BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ATT was my cell phone co. telephone provider. 

We agreed they charge me monthly for cell. I ended out contract in XX/XX/2020. 

I returned their cell a little after I asked them and asked they stop service. THe short delay was because I needed my new cell phone ( BEST BUY ) to transfer all the data from T cell to my new Best Buy phone. 
Making my year end review, I noticed ATT never stopped charging my credit card from XXXX on to date. I called ATT and they said they will look into it. At same time, I asked SEARS MASTER CARD to stop paying them, and also to refund from XXXX to date and STOP Paying them for any future automatic withdrawals. SEARS  refuses to put stop payments, or refund for past bills. Sear 's ' XXXX started a dispute but won't refund or put stop payments to all prior or new charges. She won't promise my a refund or stop payments claiming I signed with ATT, and sears  MASTER card can't stop making auto payments that by law she can't stop payments as it is between ATT and I to end such relation! 
So, if ATT wont stop sending me bills, and Sears Master keeps paying even if I ask them to both stop, in my mind, this is fraud. 
My sears MASTER card is enclosed in the attachment It shows the date when I returned by US Post the ATT cell, and he ate when I purchased my new XXXX phone with Best buy.

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 2015-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Several years ago, I opened an eBanking account with Bank of America. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Bank of America told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says " BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were " pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the " Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation.

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 2022-10-10
Company: Commonwealth Financial Systems, Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
Hi, I originally disputed the debt on XX/XX/2022, via mail handwritten letter. I was never notified about a debt I owed with Commonwealth Finance Account # XXXX. I asked Commonwealth fin to verify the debt and I never received a response. I included my updated mailing address in the letter to make sure Commonwealth Finance would know where to respond to my dispute. I also noticed on my credit report a few details didn't match across the credit bureaus which raised some concerns. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the letter I also asked, I am allowed under the Health Insurance Portability and Accountability ACT ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX ) for them to release my medical information to a third party. I am aware that the Hipaa does allow limited information about me but anything more is to only be revealed with patients authorization, therefore my request is twofold- validation of debt and Hipaa authorization. Please provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. This has caused my life much financial damage so if the debt isnt validated within 30 days please have it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my 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 monetary relief
Consumer complaint received 2022-03-21
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:
I have attached letters detailing this blatant disregard for the FCRA that XXXX, XXXX, & Experian has shown. They have not shown any proof of verification for these accounts and its been over 60 days. Therefore, the following accounts listed on these letters should be removed immediately.

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 2018-06-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a collection reflected on my credit report for a rental unit and have been unsuccessful. I had provided a security deposit and a key deposit around plus the first month 's rent for when I moved in 2010 around {$1900.00}. During that time the property managers changed a few years later I paid a pet deposit for {$120.00} as well. I moved out and provided a 60 day notice, I sent the key in by mail, left the property early and in good condition. Apartment complex called me later and asked for the key and clarified that the key was mailed to them and I was not contacted after that and my deposits were not returned which I figured was used for cleaning fees. Years later I found a collection on my credit report and they state I never provided a security deposit or a key deposit when I had provided all of that plus a pet deposit which they do have a record for the pet deposit. I disputed with the credit bureaus and they refused to remove it. I asked the apartment complex for the lease to prove the deposit amounts and they state they do not have it. This needs to be deleted as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello I had a good banking relation with Citibank but due to Covid and my travel movement outside US I had a very hard time connecting with citibank on my credit cards, pending payments & my rewards. 

The complaint I had is citibank closed my credit cards and took away all my rewards associated with my multiple credit cards while I unsuccessfully tried to reach out to them to clear my dues ( from overseas location ). 

From XX/XX/XXXX till XXXX XXXX I tried calling the Citibank US numbers and was never provided a clear response on the status and unfortunately I was not able to access my online account to use my rewards associated with the credit cards.

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 2021-01-01
Company: CITIBANK, N.A.
State: NV
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 XXXX is reporting on my credit reports with XXXX  and XXXXthe account is my fathers we have same first and last name but different middle names.my father has contacted shell Citibank and paid balance in full and explained that they have mistakenly put on my credit report.they have failed to do this with many phone calls leading to nothing starting in XX/XX/XXXX to present Ive filed disputes with XXXX and XXXX  ending in no help.the account was opened in XXXX I was born in 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 2016-08-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Excessive overdraft fees and unlawful reordering of bank account transactions.

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 2022-10-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hi I am having an unbelievable problem with paypal.com right now, I have a small business and I build and sell computer servers so I sold a bunch of goods to a good client of mine on XX/XX/XXXX and the transaction amount was {$34000.00} initially i did not want to use paypal because I dont like them but this client had to pay me with paypal so I said it is ok I have an old paypal account with no problems with it. So they sent me the money and right away confimred the purchase on paypal so paypal releases my money to me and they only released {$24000.00} and kept {$10000.00} in a reserve which I have never heard of reserves before I have heard of regular holds but not reserves. So i called paypal a few times and no one can give me an answer to when my money will be released like I said I have a small business and that is alot of money to be held. a month passed and I was getting angry so I messaged and called until i got an answer, one of their workers told me my account is put in a up-front reserve which means they will hold my money for the lifelong of the account and it is not scheduled to be released! This makes zero sense to me that is basically stealing I have called them many times and escalated this issue but it gets nowhere I am waiting for them to get back to me but I am tired of waiting I need this money for bills they keep telling me this is done for chargebacks but chargebacks don't take forever usually companies like paypal will hold the money for 2-4 weeks and once they see everything is good they release the money, on top of all that my client who received the goods from me already confirmed the purchase and told paypal it is all good! 

I am asking you guys to help me someone recommended you to me and told me you can help, also I am not the only one they have done this to I have talked to so many people but they told me they got a lawyer and got their money back, but I can not afford a lawyer right now and makes no sense that I have to pay to get my own money back! 

I have attached a picture of them holding my money with no schedule release if you guys need more info please contact me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: Mr. Cooper Group 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: Information belongs to someone else

Complaint:
On XXXX XXXX 2021 and XXXX XX/XX/2021 the mortgage company Mr. Cooper, requested a copy of my credit report without my consent or permission, repeat without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I are in the process of getting a home equity loan from XXXX XXXX Mortgage and they requested that we get an ARM statement from CitiFinancial loan # XXXX explain what our interest would be after XXXX/XXXX/2020 because it was not stated on our statement. They also wanted to know why we had past due payment on our account. So, when I contacted CitiFinancial to request the information they told me that the past due payment we due to late payment ; which were suppose to have been forgiven. They said that they need 7 days to check into it and it 's been 14 working day as of today. As for the ARM statement they said that they received my account from XXXX and they did not know, but could give me an rate of 5 %. That is what it is currently. I asked if they could email or mail me that information in writing and they told me they do not submit it in writing. I have been told that a XXXX XXXX and XXXX XXXX are the working on case, but when reaching out to them I get no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had filed a complaint yesterday ( # XXXX ) regarding a balance discrepancy on my Citibank checking account.After submitting the complaint, I transferred {$200.00} to my savings & made a {$25.00} donation.This morning I signed into my account & noticed I got the {$600.00} stimulus & again the balance wasnt what it was supposed to be. 

Considering that the bank refused to address the 1st issue, Im going directly to the CFPB to see if you can help me resolve these issues.

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