BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Yesterday ( XXXX ), I was unable to make a charge, it prompted me to go into the Citi app today. When I went in, there was a red bar saying I was 14 days late. I had no idea I was late as I never received any communication about a missed payment. I immediately paid the entire balance today ( XXXX ). I dug in and found interest charges for XXXX, XXXX and XXXX. I never received a single email on a missed payment, but in the meantime Citi was charging me me interest. With AMEX, if a payment is missed, you receive a very explicit email that says you missed a payment and have been assessed a late fee. Again, I did not receive a missed payment email, I received a note on XX/XX/XXXX that made it seem like I was up to date and then actually received a letter in the mail XXXX and an email on XX/XX/14 about a credit increase - Citi raised my limit to {$27000.00}! Why would you give an increase to someone who hasn't paid?! I guess it was so they could charge me even more interest on purchases. When I called today ( XXXX ), the representative could only remove this month 's fees. When I asked to speak to a XXXX, she said she was the XXXX and that the next level of dispute is via a po box . I asked for an electronic alternative and she said there wasn't one - only fax. I can only imagine the impact of Citi 's practices on the elderly, low income and under-represented. I would not have thought of Citi as a predatory lender, but the lack of communication with customers is making me think otherwise.

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 2022-09-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Greetings I've paid {$3000.00}. to the bank ( TRUIST/XXXX  Maryland ) XXXX weeks ago and they haven't appiled my funds to my account for payment. 
They also took {$1500.00} and applied it to intrest only. Not to principle. 
I've talked to these people numerios times with no action. 

Thanks

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 2015-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
do not have a record that matches the information I entered. MY personal information ( name, SSN, address ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Contacted Discover to pay complete balance on or about XX/XX/2020. Was given a figure of {$1100.00} which I paid through my bank online in 5 minutes. Thought it was done and account would be closed. However, a couple weeks later I get a statement with a positive balance of {$6.00}. Called them and said send me a check and close account. That was 3 months ago. Not only did they not send me a check like they said, I keep getting statements with the + {$6.00} balance. They are 3 months overdue on payment. I would like to charge them {$28.00} a month late fee like they had no problem doing to me. I have all the documentation. What they are doing is just wrong and think everyone is stupid. They kinda acted offended when I said I want to pay of balance and close account. I think they should be punished somewhat..it 's not the {$6.00}, it's the fact they didn't do what they said..could have been so easy. Now, I'm kinda XXXX XXXX. I think punitive damages should be considered. Look forward to hearing from you. I'm no shrinking violet..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXX account # 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 an account without my written instructions.

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 2015-11-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my TD accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from TD. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other TD customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that TD stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Remitly, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent {$400.00} to my nephew, XXXX, in the XXXX on XX/XX/2020 reference number XXXX XXXX XXXX XXXX, but it was sent by the Remitly app to XXXX XXXX XXXX  instead of XXXX. I followed the directions to update it on the next day on XX/XX/XXXX and it said update in process. I waited for the update to be done but the app still says update in process until now, XX/XX/2020. 

My nephew went to XXXX in the XXXX ( XX/XX/XXXX ) to request that they transfer it manually to them but was told they can not do it. He went to XXXX ( yesterday XX/XX/XXXX ) and they checked on it and told my nephew that the transaction was cancelled and the money went back to my account. Not clear as to when it was cancelled but the {$400.00} is not in my account as of today. I realized this is during the pandemic ( Covid19 ) but this is also the reason why I'm sending the money to my relatives. 

I repeatedly sent an email to Remitly if they can tell me when I will get the {$400.00} back in my account so I can resend it to my poor family who most need it during this tough times? I repeatedly got a response that due to the Covid19 they will not be able to help me and directed me to the app/website to get help. I sat by the computer to get help via Chat for 4 hours on XX/XX/XXXX but no one showed. Today I sat another 3 hours still no one showed. I tried to cancel the transaction myself but the app/website is stuck on saying the update is in process and would not allow any other actions to process. I don't know if the transaction was actually cancelled since I could not get a hold of anyone here in the US and I don't have the money back in my account to date. 

I need to get my money back so I can re-send it to my nephew as soon as possible. I am not getting any answer or help from Remitly at all. Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have debt in my account that I have received no written communication on. On XX/XX/22, the collection agency filed a lawsuit regarding this. They still have no provided a written notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern : I have three student loans with XXXX that have been PAID IN FULL in 2007. I contacted XXXX and they confirmed that my accounts are NOT IN DEFAULTS NOR DELIQUENT since they have already been paid 10 years ago. TRANS UNION is still listing the 3 accounts as delinquent. I disputed the incorrect reporting twice and Trans Union lied when they came back stating that the Accounts were verified.
This is causing major issues to my credit file and financial affairs. I need help getting this issue resolved.
Sincerely, 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 2020-04-09
Company: GREAT WESTERN BANCORP, INC.
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020, I contacted my bank in order to stop an automatic debit payment for an insurance company I no longer do business with. I initially spoke with customer service personal, who advised me I could not stop the automatic debit payment from happening. I demanded to speak to another person and was connected to my " banker '' in XXXX XXXX, XXXX at one of the 2 Great Western Bank locations. I was again told it was impossible for me to stop the automatic debit payment due to laws and regulations regarding banking in the United States. The conversation became heated, the individual refused to give me her supervisors name, and I do not remember her name. The " banker '' used the current pandemic situation as her reason for not giving me her supervisors name. Great Western Bank will not allow me to control my account in accordance with federal law, specifically the right to stop automatic debit payments.

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 2016-12-04
Company: Exeter Finance Corp.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services is demanding escrow payments far in excess of what is required to cover costs and offering no interest for excessive balances. They are, in fact, extorting interest-free loans from their consumers and have no justification for the charges. 
This past month, PPH Mortgage Services raised my monthly mortgage payment {$110.00} and provided false justification for this charge. I was told that insurance and taxes had increased and that there was a shortage in my escrow account that would need to be repaid over several months ( see pages 1 -2 ).

This is false. My monthly statements have never shown such a shortage ( see pages 3-4 ). In fact, I received a refund last year. They fraudulently write on one docum
ent the shortage is {$740.00} ( see page 1 ), and then they tell me it was {$400.00} over the phone. The repayment amount of {$62.00} is also random ( see page 1 ).

Indeed, there has been an increase in insurance and taxes this year ; however, it is less than half of what they are demanding.

PPH also randomly assigns minimum required escrow balances. For XXXX it is {$610.00} on one document ( see page XXXX, right column ) and {$920.00} on another ( see page XXXX ). For XXXX, they have a required minimum balance of {$770.00} on one document ( see page 6 ) and {$510.00} on another ( see page 7 ). Meanwhile, my monthly expenses are between {$410.00} and {$460.00} per month and balances sit far closer to {$2000.00} for many months of the year. 
Additionally, XXXX XXXX  themselves sent me a letter indicating that I hold {$59000.00} in equity on my {$210000.00} mortgage ( see page XXXX ). Yet they continue to charge PMI each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX account # 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 an account without my written instructions.

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 2017-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX  Experian  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX    XXXX    XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within  four  business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under  Sections-605B  and 623 ( a ) (  6  ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  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 2022-05-05
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Spring Oaks Capital, LLC
State: FL
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Account status incorrect

Complaint:
There is a 30-day and a 60-day late payment reporting on my credit card for the month of XXXX and XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at the bank and as a result, I now have a 30-day and a 60-day late payment on my credit report. I have never been late a day in my life with this company. I contacted them with the updated bank information and they failed to change it.

Company response to consumer: Closed with explanation