BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
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:
I established autopay on my Citi Credit Card on XX/XX/XXXX which was confirmed by Citi when I called them on XX/XX/XXXX. They charged me a late fee of {$29.00} because I missed my XXXX payment deadline which was XX/XX/XXXX. The representative I spoke to on XX/XX/XXXX confirmed that there was an issue with the autopay on their side which is why it didn't take. That person re-established the autopay and made a one-time payment for the payment that didn't go through, which I asked them to do. When I asked them to reimburse the late fee as it was their issue, not mine, ( I did what I was supposed to do ) they transferred me around and eventually I was hung up on. I messaged with Citi today, XX/XX/XXXX with a XXXX and she said they can not reimburse the {$29.00} late fee and that I need to call in. I'm sick and tired of calling in, sitting on hold, and being transferred all over the place for no response. They've acknowledged this was their issue and they need to fix it.

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 2017-08-16
Company: EQUIFAX, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I approached my bank whom I have a business bank account with on XXXX XXXX, 2017 in order to get a line of line of credit, which I will be personally guarantor of. I approach my banker with confidence, because, prior to reaching out to my banker, I went to Equifax and downloaded my credit report and credit score. My credit score is reported at XXXX with Equifax, XXXX with XXXX, and XXXX with XXXX. Anyhow, in speaking with my banker, I received the unfortunate news that I was denied my request due to extremely low credit score of XXXX. The banker stated that they pulled my credit report from Equifax. Immediately, I argued my case with the banker because as I explained to him that I pulled my credit report along with my credit score from Equifax prior to me contacting him inquiring about a line of credit. Unfortunately, it was nothing that he could do. Immediately, I went to Equifax.com to get my credit score. To my surprise, my credit score was again XXXX. That is a 65 point difference. I had my bank forward me the credit report, and my credit report was identical to what I pulled from Equifax HOWEVER I saw the discrepancy with my credit score. I reached out to Equifax, and a representative told me that there is nothing that they can do. Days later, I went to XXXX to see if I can get approved for a unsecured credit card. Again, the problem persisted. Not failing to mention, my XXXX credit score was now XXXX. According to the decline letter, they also sourced Equifax for my credit report and credit score. I need this rectified or I plan to sue Equifax in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX I purchase a vehicle XXXX XXXX through XXXX XXXX payment $ XXXX monthly- XX/XX/XXXX- XXXX- inter into agreement with Santander Consumer USA- with a original loan amount $ XXXX- Stated principal balance $ XXXX- payment to Santander {$880.00} that I'had XXXX payment -with Santander.- XX/XX/XXXX - State I ' have XXXX payment to make to Santander- principal balance {$11000.00} -have stated I ' Continues have accrued interest $ XXXX My estimated payoff is {$30000.00} ' Santander Consumer USA - repay for truck over again- I request to Sandtander why they have n't given me credit my military credit I went over to XXXX work for 2 years- Fax my proof ' Sandtander have refinance my loan add me in to bad debt, I went into Bankruptcy just before I'went overseas XXXX/XXXX/XXXX payment was up to date- bankruptcy sent Sandtander {$790.00} each month until XX/XX/XXXX- I Continues payment 'making 2-payment in a month after bankruptcy $ XXXX- Standtander deferment granted-payment $ XXXX.- the problem I 'm having why would Sandtander refinance my loan adding 22 more month to 20 years total 62 yrs. Sandtander this XX/XX/XXXX not fair to me of military - this was not XXXX year loan..sandtander rather refinance than take off interest for 2 years XXXX. add GAP inurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Upgrade, Inc.
State: MT
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:
I opened my card with Upgrade in XX/XX/2021. There has been no problem with using the card or with their terms. The problem I have is that they do not overtly disclose how much interest is charged each month. I must always determine this amount by subtracting the balance according to all listed charges from the balance displayed on my account dashboard. I have scoured their website and I have scoured my statements and there is absolutely no mention of how much interest is being charged. 

To be clear, my problem is not that they are charging me interest. It is that they are HIDING it. I did initially make a call to their customer support line and even the representative I spoke to could not find any information on what the discrepancy between the listed charges and the given balance was. He could only suggest that I continue doing what I am doing to determine what interest had been charged for a given month. 

I am attaching a copy of my most recent statement with the account number redacted ( though I'm 100 % certain they could determine who I am based on the transactions and billing dates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
XXXX has been non-compliant with removing the unverified account USAA SVG BK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA SVG BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We would like to file a complaint against Citibank Mortgage Company for not verifying that the lien on our home was discharged when they purchased our mortgage in XXXX from XXXX/XXXX ( now XXXX ). XXXX/XXXX bought our mortgage from XXXX in XXXX ( XXXX closed in XXXX ). We would like to include XXXX in our complaint as well. We have contacted Citibank but they they claim it was not their responsibility to ensure the lien was discharged which is ridiculous because why would they purchase something and not make sure they own it. In XXXX Citibank Mortgage sold our mortgage to a XXXX company and our mortgage is being serviced by XXXX. I do n't understand how Citibank can even legally sell our mortgage if do n't own it. In XXXX we decided to refinance with our credit union to pay off our home in 10 years and when they did a title search they discovered two old liens from XXXX which Citibank paid off and they have proof and we have copies of documents confirming this as well. On XXXX XXXX and XXXX, XXXX I faxed information to XXXX requesting help from them but I have not received a response yet. We have tried to get this matter resolved on our own but it has been a frustrating and time consuming journey and no one seems to want to help. We are senior citizens and my husband is a XXXX and we just want to pay off our home but ca n't until these old liens are discharged. Please help us. Thank you.

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 2015-04-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
i have road side asst with this loan, and hyunddia has yet to reimburse me for a tow of 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 2022-05-14
Company: Cedars Business Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cedars Business Services sent three collection notices in XXXX for traffic violations in XXXX, XXXX, to include overage charges/fees that more than doubled the original amount. They also called multiple times and used multiple numbers to disguise who the call was from throughout XXXX. They gave no proof of the alleged traffic violations either by mail or phone. When I answered the phone ( XXXX XXXX ) to talk to them and asked for proof of the violations, they insisted they needed my email address to send proof, and I asked for them to send proof by mail since they obviously had my address. After this request, they never provided proof, stopped calling, and stopped sending mail until this month ( XX/XX/XXXX ). They sent four collection notices, again with zero proof that I am responsible for the debt. The only way that these violations can be real is if they were from a business trip in XXXX years before the first notification where I had to sign out multiple rental cars for the group I was with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: Global Lending Services LLC
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On the evening of Tuesday, XXXX XXXX, 2016, my credit card wallet was stolen from the locked trunk of a family member 's vehicle. One of the cards stolen was my Citibank-issued Sears MasterCard. While at the police station, waiting to file a report, I began contacting my credit card companies by phone. I tried three different times to contact Citi/Sears about that card. Each time, I was put on hold for too long. ( And as it turned out, I WAS calling during " open '' hours. ) I continued to work on cancelling cards until I was released from the station and sent on my way home. Once at home, I contacted XXXX XXXX Services, through which I have the XXXX plan. Because my Sears card was registered with XXXX through XXXX, XXXX was able to have my Sears card blocked. HOWEVER, it must have been just a matter of timing, because before the card was stopped, I was hit for {$3600.00} in fraudulent charges at the local XXXX. I did not become aware of this until the morning or early afternoon of Saturday, XXXX XXXX, 2016, at which time I attempted to contact Citi/Sears. My initial point-of-contact took some information from me and then put me on hold for an extended length of time. She finally came back on the line to inform me that the Citi/Sears fraud department is closed on Saturdays and Sundays and that I would have to try again to file my fraud claim come Monday, XXXX XXXX. I find it utterly inexcusable that one of the largest credit card issuers/servicers in the United States does not have XXXX/XXXX/XXXX fraud/loss services available. Once I spoke with them today, I did verify that they are indeed closed on the weekends and only available on weekdays from XXXX to XXXX CST. Again, I find that inexcusable. So, this is the complaint that I wish to submit. A credit card issuer/servicer should be required to provide XXXX/XXXX/XXXX assistance in the cases of fraud and/or loss. Thank you.

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 2022-05-14
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday, XX/XX/2022, I was contacted via phone by a person who claimed he was representing US Bank & the phone number he called from was the true US Bank phone number. He indicated that there were ( XXXX ) charges scheduled to be taken out of my account within the next XXXX minutes and that if I wanted to stop them, I must act quickly. The payments ( {$900.00} ) + ( {$900.00} ) + ( {$700.00} ) were all shown as pending as XXXX money transfers. I do not use XXXX nor do I do this kind of money transaction... ever. 

He tricked me by saying that I need to transfer the funds back to my account using XXXX and assisted me in setting up how to use a XXXX account and walked me through the transfer process. He gave me an email address and phone number to transfer the funds to and I questioned this but he repeated that he was a US Bank representative and to check the phone number he was calling from ( XXXX ) - this is indeed the US Bank main phone number so I was inclined to trust him. 

He prompted me to enter my name, then an email address and a phone number. 
The email address he used was XXXX. 
The phone number he used was XXXX. 
Again I questioned this but was reassured that this was how to stop the money transfer. 

The next day ( XX/XX/2022 ) the funds from my account were gone and I realized that I had been scammed. I called US Bank at the same phone number but this time, talked to actual representatives of the bank. They confirmed that my funds were transferred and connected me with the fraud department. They are in the process of investigating this and I wish them well. It was not their fault I was scammed but I believed the scammer because he was using the US Bank phone number. 

I am elderly and this scam hurt me bad financially, but I have no one to blame but the scammer for doing this to me. I've filed a police report and will pray for the best.

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 2016-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.

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 2021-11-18
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have opened a missing XX/XX/2021 payment investigation with XXXX XXXX XXXX that is still outstanding and not resolved despite it now being XXXX and having provided all the information requested. Previous cases just keep getting closed without notice and we have to reopend them only to find out they needed something else and we have then always complied. Also despite the investigation, we keep getting calls daily for late payment and even after telling the callers to stop calling as we have an ongoing investigation and they agreeing to do so, they keep calling for late payment almost daily. 

Our bank has provided them a copy of the check that was sent and cashed. The latest excuse was full banking statement was not provided so when I went to do so for all the months they requested, I found a sent email where I did previously sent them a full banking statement for XXXX. 

I feel the case keeps getting closed and we have to reopen it and nothing is getting done. I also feel the company continuing to call us despite this investigation for late payment is wrong.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX has violated my rights.XXXX  XXXX  Account # XXXXXX**************, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, 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

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 2022-05-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Went to help my wife get a car, I explain to them not to run my credit more that one time because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief