BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I contacted Moneylion regarding a payday error last week XX/XX/23 on Wednesday. I get paid on XXXX. The app offered me the choice of deferment and I took it. Now I see that it is the same mistake as before, the loan is scheduled to come out on XX/XX/XXXX. They refuse to change the date by XXXX days even after I told them it will likely overdraw my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I paid off my CitiBank Visa in XXXX or XXXX. I do n't even have the card or a bill anymore to reference the account number! 
Today XXXX/XXXX/XXXX i received a letter that I owe {$120.00} + {$22.00} in interest and {$260.00} in fees with a total of {$400.00}. AND they are sndthe account to XXXX XXXX XXXX. Which I believe is a collection agency. 
I want to know how all of the sudden I get this bill after at least XXXXXXXX years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
To Begin, On XXXX, XXXX XXXX XXXX filed a NOD, notice to foreclosure, than SLS became mortgagee as of XXXX/XXXX/XXXX, or a few days later on our property at XXXX XXXX XXXX XXXX Ca, XXXX, for over {$43000.00} and forced us me and my wife ( XXXX And XXXX XXXX ) into a chapter XXXX Bankruptcy filing date was XXXX/XXXX/XXXX case number XXXX, we paid the trustee and SLS ( specialized Loan Servicing ), we paid every month on time, while in payment plan SLS, records a notice of rescission, we ( XXXX and XXXX ) have a proof of claim recorded for {$6200.00}, SLS was called by XXXX, SLS indicated months we were behind after notice of rescission *, we then paid SLS, both payments, the mortgage payments and the {$6200.00} in the payment plan, at discharge all payments were made to SLS for regular mortgage payments and {$6200.00}. 
Now case is discharged see attachments, we receive latter dated ( XXXX XXXX, XXXX ) stating we owe {$42000.00}. Our account is current, as XXXX/XXXX/XXXX we have been getting statements from SLS that indicates our balance, the last statement we received on XXXX/XXXX/XXXX indicates our XXXX payment is {$2800.00}. When we received this letter this past Saturday ( XXXX XXXX ). Imagine how we felt when reading this letter, knowing it is totally wrong and inaccurate. 
As Mentioned above, this has happened to us in the past with XXXX and SLS, going back to XXXX. In XXXX XXXX, filed an NOD [ notice of default ] indicating we owed over {$40000.00} in past due amounts, and we had to file for Chapter XXXX Bankruptcy to save our house, when we never owed that amount. We were in BK for years, and were discharged early this year. We have NEVER EVER MISSED A PAYMENT, and so here we are again with a letter threatening to " Default Notice and of Intent to Foreclose '' and stating we owe {$42000.00} when we clearly received a statement stating our XXXX XXXX payment is XXXX. What is the problem, it 's like someone or something is not communicating within SLS this company is frustrating, the holiday season here we just want to live in peace in our home and not receive letters indicating Default Notice and of Intent to Foreclose, when we are current with our payments, especially when we just received a statement indicating we are current? 
A different issue with SLS, is charging a late fee of {$100.00} for XXXX XXXX payment, the payment is due on the XXXX of the month with a grace period to the XXXX of the month, if the XXXX is on a non-banking day payment is due the next banking day which was XXXX/XXXX/XXXX, the date of payment. 

XXXX XXXX did not agree to the amount, but a POC was filed for {$6200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had an account with XXXX and after a payment was deducted from my card account. I cancelled the XXXX. 
Following my cancellation XXXX XXXX XXXX email informing me they were issuing me a refund {$15.00} and that I would receive the refund before XXXX. The refund was placed into my Netspend all access account. Subsequently the funds were removed back out of my NetSpend all access account without my permission. 
I then contacted my card account issuer NetSpend all access. Who confirmed the refund and reversal by XXXX. Netspend to my dispute along with the copy of the email I'd received from XXXX. and made me pay fees to get a new card. 
On XXXX I received a written letter from NetSpend XXXX XXXX had XXXX XXXX XXXX for {$15.00} and completely ignoring the reversal of the refund back from my account ( done without my permission ) which was the basis of my dispute. 
On XXXX ( the date of this complaint ) I contacted NetSpend all access customer XXXX. 
claim # XXXX and was given the run arround by several different employees. Though only one would provide name and Id # and that would be XXXX. 
another named XXXX and XXXX refused to provide Id numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an account with td bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
Between XXXX and XXXX XXXX, I purchased furniture from XXXX to take advantage of their two year zero percent program. My XXXX American Express card did not have a high enough credit limit on it, so the sales representative helped me get the limit increased at the time of purchase. I noticed my XX/XX/XXXX billing reflected total interest charged in XXXX {$380.00}. I called XXXX and reviewed my account with them. They agreed there was an error and that the account should not be charging interest. An adjustment was made in the amount of {$480.00}. This was the equivalent of five months interest that should not have been charged. The {$480.00} adjustment reflected on my XXXX XXXX statement. My XX/XX/XXXX statement also included interest owing in the amount of {$81.00}. I called XXXX again. They claimed they fixed the problem and the interest adjustment would reflect on my XX/XX/XXXX statement. When I received my XX/XX/XXXX billing, there was no interest adjustment for the XX/XX/XXXX billing and interest in the amount of {$81.00} was now showing for XXXX. Once again I called XXXX XXXX and explained the situation. Again, they assured me the correction was made for XX/XX/XXXX and XX/XX/XXXX and the adjustment would show on my XX/XX/XXXX statement. When I received my XXXX statement, there was an adjustment in the amount of {$160.00}, XX/XX/XXXX and XX/XX/XXXX interest. The statement also reflected interest owing in the amount of {$79.00} for XX/XX/XXXX. Again, I called XXXX and explained the situation. At that point, they said a supervisor put notes on the account stating she did a re-amortization of the account and that no adjustments should be made because it required one full billing cycle to correct the problem once and for all. They assured me my XX/XX/XXXX billing would reflect the interest credit for XX/XX/XXXX and zero interest owing thereafter. When I received my XX/XX/XXXX billing, it reflected no adjustments for XX/XX/XXXX interest. It also reflected {$76.00} owing in interest for XX/XX/XXXX. At this point, I as a consumer fell that i have done my due diligence in trying to get this corrected. It has now been six months and I have made zero progress with XXXX in rectifying this situation. I am hopeful that you can assist me with correcting this problem once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It may concern : Ive had identity theift for years and have contacted the police and their response to me was since it is small amounts each time it was nothing that could be done but if it was a lump sum then action could be taken. I have written serveral letters to the credit bureaus asking for debt validation and orginal contracts stating what is being reported on my credit report is accurate, and it comes back as verified but I never recieve written documention showing its actually an account I have authorized. I was also a victim of the XXXX data breach in 2017 and looking at my XXXX report I also see that my personal information in being viewed on a daily basis. I will attach documents for the certified letters that Ive written also proof showing my personal information has been compromised. Ive writtent certified letters to not only the the credit bureas but the collection agenices that are incorrectly reporting on my report. Ive also done my due dillegence and have documentation showing that the listed companies are illegally trying to collect a debt are unauthorized to collect in my state of Ohio. If the attached documents are not clear please visit XXXX. Listed below are the companies XXXX ) LVNV Funding 2 ) I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 

15 U.S.C. 1681 section 602 A States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have also attached a copy of my ID I did not attach my SSN considering the data breach and my personal information being compromised, but if there is any other documentation that is needed from me please let me know. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: ROLS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted original creditor regarding bill for {$24.00} ( XXXX ) and debt collector, CBQ ( XXXX ) for bill of {$48.00} to let them know that this debt is not owed by me, that this debt can't be collected because my income is Federally protected, as well as sent them both a cease and desist letter. The amount of the debt is misrepresented, and according to Federal Law, the medical facility can not do balance billing ; therefore, I am not required to submit any payment for any alleged balance they claim I owe. CBQ continues to call my number, via ringless call, going straight to voicemail ; and I have received two letters from them after, sending rhe cease and desist letter. 
TO REMOVE ACCOUNT FROM CREDIT BUREAU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am filing this complaint about the internal policies of Citibank ( Sears Credit Card issuer ). I am in XXXX with the XXXX XXXX XXXX. Citibank dropped me off of the program, due to a late payment, which is understandable from a compliance view. 
However, after I got caught up, they refused to put back in the program. 
Even though, the late payment was due to medical bills and elderly care. 
All of my other creditor 's agreed to put me back on the program, its seems their policy is hostile to the customer as it allows them to charge higher than normal rates. I want Citibank to accept the proposal that was sent from the XXXX of XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HI, I WAS SICK WITH XXXX  AND 2 DAYS LATE ON MY CITIBANK CREDIT CARD PAYMENT. I IMMEDIATELY PAID IT. I ALWAYS MAKE MY PAYMENTS ON TIME OR BEFOREHAND EVERY SINGLE MONTH. THEY CHARGED ME A FEE AND REPORTED ME TO THE CREDIT BUREAUS FOR 2 DAYS LATE WHEN I HAVE ALWAYS BEEN ON TIME. I ASKED THEM TO REMOVE THE MARK ON MY CREDIT REPORT AND I WAS SENT A LETTER STATING THAT THEY WILL NOT REMOVE IT. 

I WANT IT REMOVED FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have an American Express Serve Account which I have a debit card for. I was able to load money on debit card on XX/XX/2020 at my local XXXX. 

I went to use it XX/XX/XXXX to car insurance bill and it was declined. I attempted several times to no avail. I went to several banks to try and withdraw money from card and was declined at ATM. I try to log in to my online account to see if anything is wrong with card and see that my online account has also been locked and have been advised to contact XXXX number. 

Since XX/XX/XXXX, around XXXX XXXX, I have been calling non-stop ... Saturday night I spent 6 hours on hold and still no one picks up. The number I am calling is XXXX. 

Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. 


I'm willing to explode all my rights and send all information to Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent named XXXX at XXXX EDT who opened up XXXX Citi Gold Checking accounts for me with the following promotion code : XXXX. XXXX stated that so long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles per account for the Citi Gold accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016 for both accounts, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX  's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief