BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.

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 2017-02-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently discovered that I was " enrolled '' in a credit card protection insurance plan for my Macy 's credit card. I called and cancelled the plan, but discovered that I have been enrolled in the plan since the date that I applied for the credit card in XX/XX/2009, and have been paying this " insurance '' for close to 8 years and have spent a total of {$290.00}. I believe the insurance/credit protection company is called " XXXX direct, XXXX, and they are affiliated with Citi Credit Cards. I called to obtain their exact name, and even this was an issue. They informed me that their name was " XXXX '' affiliated with XXXX. They claim that you specifically enroll in this program when you apply for the credit card ; however, I would clearly never explicitly opt in to a scam such as this. I am sure that I am not the only person that is experiencing this " surprise. '' These companies should have to obtain your explicit consent to enroll you in this program, and should also e-mail/and send you monthly communications, allowing you to be aware of not only the amount of money that you have paid them, but also so you are aware that you are even enrolled in the program.

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 2016-08-15
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint is against Sears MasterCard and the refusal of that company to remove an unauthorized and contested charge. 
Details : 1. On XXXX XXXX, XXXX I made the mistake of enrolling with a company called XXXX, headquartered in XXXX. 
2. The fee for a 2-year enrollment was {$290.00} and was paid for with the Sears MasterCard. 
3. The account number for this card is : XXXX. 
4. After enrollment with XXXX I received a " Paid Invoice '' document stating it is for " Membership ( 2 Years ) which is attached as an exhibit to this complaint. 
a. I believe this receipt was mailed to me using the US Postal Service. 
b. No other document was received. 
5. Nothing was received stating any of the " Terms and Conditions '' of membership especially as relates to cancellation or re-enrollment for any services. 
6. No notification was received from XXXX as to a yearly fee of {$99.00}. 
7. No communication was received from XXXX whatsoever. 
8. When I received my Sears MasterCard statement for XXXX, XXXX the amount of {$290.00} payable to XXXX was shown. ( See the pdf file attached which contains documentation related to this complaint. ) 9. The {$290.00} charge was not disputed as I had authorized its payment. 
10. The XXXX XXXX statement for the Sears MasterCard showed a charge of {$99.00}. 
11. The amount of {$99.00} on the XXXX XXXX statement was not authorized. 
12. I called Sears Account Inquiries at XXXX to dispute this charge and to advise this was not an authorized charge. 
13. XXXX made an unauthorized charge to this account. 
14. The XXXX XXXX statement from Sears MasterCard shows a {$99.00} credit to my account. 
15. The XXXX, XXXX statement from Sears MasterCard shows a {$99.00} debit to XXXX. 
16. Sears MasterCard sent a letter dated XXXX XXXX, XXXX advising they could not " ... .recover the funds on this charge ... '' for reasons stated. See the XXXX XXXX Sears MasterCard statement in the document submitted. 
17. Shortly after I received the XXXX XXXX, XXXX letter from Sears MasterCard I again called to protest this charge and to demand it be rescinded. I had not authorized this charge and was not notified that the {$99.00} would be charged to me unless I took action to stop the charge. 

The documents attached as a pdf file are those referenced in the narrative above. 
I repeat, the charge of {$99.00} assessed by XXXX was not, repeat not authorized and I demand it be removed permanently. 
This is the second time I have had great difficulty with Sears MasterCard refusing to remove unauthorized charges. 
Please see that Sears MasterCard credits my account for the {$99.00} and does so on a permanent basis.

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 2021-10-07
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
during covid 2020 I contacted the credit card company to ask for a reduced monthly payment because i lost my job. The person whom I spoke to refuse to work with me and told me that they would close the card and it would impact my credit. I begged them to just take the payment i was offering until I got back on my feet and the representative flat out declined. A few days later the card was closed by the creditor and my credit was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( 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 crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These Companies pulled my credit file fraudulently and cause false Inquiries on my credit report account. I have contacted these Individual companies personally and ask them to contact the reporting agency and remove the Inquiries. XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX 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 explanation
Consumer complaint received 2021-10-06
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have noticed that interest rates for mortgages have been falling since I purchased my home and began an inquiry through the rocket mortgage app to get information on my current loan which they are the services of. I started on the app about a quarter before midnight, but due to incorrect information about me having another lien and no one available to speak to in customer service at that hour I left it as is with no desire to continue. I never submitted any application as the information they had was wrong and I did not want to further the process. This morning XXXX I see that there is an application requiring documentation on my end which was not my doing. I also got a text message from a banker at quicken loans rocket mortgage offering me his assistance but I never solicited that either. I called rocket mortgage customer service after receiving a XXXX XXXX and XXXX XXXX notification of a hard inquiry on my report. Upon trying to communicate with the banker about the inquiry he gave me incorrect information in attempt to get me off his back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
by XXXX of XXXX the home depot credit card by citybank group take frm my XXXX checqing account the amount of XXXX when the real amount was XXXX the stated a investigation nd the resolution was refound my money by XXXX XXXX i called asking what happend and they post the money in another account, by XXXX XXXX a called again and the post the money in anotheracount today i call again and they say the money for thirt time will be post in my account please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just had gotten an notification from my credit report saying I had an an debt collection which was new to me. And it popped up as EOS CCA. Saying I owe XXXX that I dont know about and also it was giving an address that I never been to in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since 2010, I have been applying for homeowner assistance with my mortgage loan and my lender has been unwilling to assist, providing me with only canned decline responses after taking an inordinate amount of time to complete the review process. The initial review took over one year, and the most recent over six months. The bank seems determined to foreclose on my home and, therefore, has made no sincere effort to provide any assistance that would allow me to remain in my home, actively pursuing foreclosure the entire time.

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
Consumer complaint received 2021-10-07
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
first interstate credit card reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: MI
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Legal Recovery Law Offices, Inc
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX XXXX, 2016 - I received a letter from XXXX XXXX, Legal Recovery Law Offices , Inc saying the Plaintiff : XXXX XXXX XXXX vs Defendant - XXXX. It list no details except that there is a Declaration of Accrued Interest. Interest on the judgement accruing at the legal rate from the date of entry on balances due after partial satisfaction and other credits in the amount of {$940.00}. 

I called the Law Office to know what they are talking about but the was asking for social security and other personal information that I did not want to give. I was wiling to give the case number which is XXXX but the receptionist hung up. I feel that I am being harrassed by this law office and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent in a request for validation to said company Hunter Warfield , Inc Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I also sent another request for validation on XX/XX/2021. I have not received any correspondence back from company! It is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
i have a loan from a payday co. i had requested my bank to stop ach payment each mo as i have that debt added to my debt releif program. my bank told me that to stop the deduction from my bank acct i pay a fee so that was done then i also cancelled my atm card as the co had my card number as well. they still debited my acct by submiting a check they generated. my acct is now closed. im a vet my primary income deposited into my acct was from va benifits. i also emailed this co and told them i did not authorize any more deductions but it still was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2021 I noticed a Transaction Rebill on my account in the amount of {$190.00} for a charge from XXXX, which I had previously disputed because the Merchant refused to address the issue of a return due to incorrect sizes. I had previously provided the emails between the merchant and myself regarding the returns, and an Itemized list detailing the original order to Capital One. 

Case Number XXXX A few weeks later I received a letter from Capital One asking for MORE documentation, of which none existed. I do not remember if I contacted them at that time. 

XX/XX/2021 When I called Capital One regarding the Rebill, they stated that the Rebill would not be removed because I failed to provide documents which did not exist. I became upset and told the representative to close the account. 

Upon looking for another charge unrelated to this matter, I saw that Capital One did NOT " Close '' the account, but " Restricted '' the account in order to continue charging me Late Fees and Interest until the Balance was paid in Full. I told them that I refuse to pay Late Fees and Interest on an account that I had asked to have closed. I have every intention of paying the Principal on the account, however, since Capital One policy intends to disregard my request to CLOSE the account and behave as if the account was Active and simply Restricted in order to collect more proceeds, I am writing this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Mailed all relevant info ( ID ) to Experian on Friday XX/XX/XXXX in order to temporarily unfreeze my credit. 
Additionally contacted Experian by phone today in order to expedite matters, giving my pin to unfreeze. Only informaton available was to the advice to do what I've already done. Apparently no unautomated agent was available. 
I believe that 3 days is the max allowed to accomplish this process.

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 2015-09-18
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The following company falsely claims my company owes them a debt : XXXX XXXX XXXX and XXXX XXXX XXXX : ( XXXX ) XXXX ext XXXX D : ( XXXX ) XXXX ext XXXX | bigdcreative.comThey hired the following debt collection agency : XXXX, XXXX Box XXXX, TX XXXX XXXX XXXX : XXXX 've instructing them not to call, email, or continue their harrassment of our employees, but they 've chosen to ignore the law and continue their contact and harrassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-03-04
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending, LLC, is charging us late fees for a payment which was cashed by them 12 days before it was due. Our payment was due XXXX XXXX, 2016 ; we mailed in a check at the end of XXXX and it was cashed by them on XXXX XXXX, 2016. They did not credit the payment until XXXX XXXX, 2016, 22 days after receipt. Stearns Lending then sent us delinquency notices. 
On Monday, XXXX XXXX, 2016, we contacted their customer service department and forwarded a copy of the cashed check to the email address they indicated. Their automated email response indicates they will get back to us within two business days. I called Wednesday, XXXX XXXX, and the phone call with the representative was cut off. I called again this morning, XXXX XXXX, and was informed that the late charges can not be removed from the account until it is reviewed by a supervisor, and this is scheduled to occur next Thursday. This is for the second payment on a 30 year mortgage.

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 2015-11-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was the victim of an internet scam. Someone defrauded me out of a large sum of money. My Dillards credit card account was not in dispute. Wells Fargo shut the account down anyway. I did not request that the account be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I paid my bill in XXXX payment of {$600.00} on XX/XX/2021, and {$150.00} on XX/XX/2021 and XX/XX/2021 {$300.00} and XXXX XXXX payment of {$220.00} and a final payment of {$46.00} on XXXX XXXX and in XXXX they charged me a finance charge on a XXXX balance and then told me that it was a legitimate charge and that I had to pay it, I didn't pay it so they charged me another fee of {$4.00}. So I paid it on the XXXX due date to close the account, well they proceeded to charge me another late fee of {$2.00} and when I told I paid the account on time, they told me that I would have to pay this charge because I have to pay XXXX bills on time consecutively. I have read their fine print of charges on the back of my statement and there is nothing that states that I have to pay XXXX payments consecutively or that they will charge me more interest fees. I have spoke with them and they said they would remove the charge and I have checked the account and they have not removed the charge. This card has been closed since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-11
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Bridgecrest ( XXXX ). My payment was due on XX/XX/XXXX. I have my bank information store in my account and submitted a payment on the XX/XX/XXXX. On the XX/XX/XXXX I received an email stating my payment was returned for insufficient funds. I contacted my bank and was told they never tried to take the payment until XX/XX/XXXX. When I spoke with a representative she told me when they ran it my account was closed but she could n't provide me with that proof. They reported my payment late and I owe them a XXXX $ late fee. I feel this is unfair to me because I 've been making my payments on time twice a month.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.

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