BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had a disgusting experience with citi bank. I was asked to verify my identity with citi bank and I did, I provided all government documents and I was able to login again but I stopped using citi bank card because the card was horrible it didnt work more times than I can count so I logged in again and tried to tell a representative but they told me that I once again have to verify my identity for absolutely no reason AGAIN. Everyone that works with citi bank is terrible. I get into my account and I find unauthorized deductions from my account for a check fee yet I have never touched a check from these people and so I brought it to a representative the quarter wit wanted to play like it wasnt there and I wish I recorded every single one of their call with me. I left the account alone because I was so ready to just head to citi bank extremely aggravated. I come back to my account to see that according to new updates to citi bank I no longer have any overdraft fee charges but these people still want me to give them money so none of this made sense, I check my statements to see that I owe nothing and they keep messing with me still! Every time you get on the phone with these people they force you to just between several departments and several different numbers, everyone that works there needs to be fired for lying and horrible help. I made sure to take screenshots of the proof and only when I found out I owe nothing these people closed my checking account to hide

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 2022-03-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act .... 
XXXX XXXX XXXX Acct # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My husband received his taxes and sent me XXXX to get my rent paid. As soon as the money hit my Venmo account, they froze it. I've been emailing them every day more then once a day. And I don't get any answers from them. And because of it, my daughter and I are XXXX now. I honestly think they are keeping my money, but not because I did anything wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TD BANK US HOLDING COMPANY
State: TX
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:
In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

XXXX XXXX Bank ( account # XXXX ) and TD Bank USA/Target ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: Convergent Resources, 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:
I have tried reaching out to this company to ask them to please verify the debt showing my identification being used because the debt their reporting is not mine. Im a XXXX vet with XXXX and had my car broken into and items were stolen.

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 2016-03-04
Company: Convergent Resources, Inc.
State: NY
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:
I have a medical bill that is the subject of a good faith dispute. It was submitted by the medical service provider to my health insurer using the incorrect billing code. The claim was resubmitted, but the insurer has not yet responded. In the meantime, the medical service provider still has in its records that I owe the entire balance, which may or may not be true, depending on whether insurance covers some or all of the charge ( and I strongly suspect this would be covered ). The medical service provided was a series of vaccines required before traveling abroad. I received XXXX, and XXXX were covered. It was the XXXX that was submitted incorrectly, and is being resubmitted. Because the other XXXX were covered, I have every reason to believe the fourth will be covered as well. 

Despite the good faith dispute, I have received several, increasingly hostile, calls and mailings from the medical service provider 's collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent is a scam. I Never took out a private loan for XXXX. Everything was federal or grants. These scammers are trying to say I owe money on a debt I never took out.

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 2019-10-20
Company: AR Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AR Resources Incorporated has erroneous information posted on my credit file. I have disputed the account with both the credit bureaus and XXXX and they have still not provided with sufficient evidence and refuse to delete wrongful information from my credit file. 

The had 30 days by law to provide sufficient information which they did not. If they do not delete immediately we will have no other choice than to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation to the collection company ( Diversified Consultant 's ) on XXXX/XXXX/2015 The company received the debt validation on XXXX/XXXX/2015. The company still has not responded to the debt validation received well over 3 months ago. The company still continues to update to the all XXXX credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Individual from this company has contacted someone I know looking for me and has called their phone number multiple times a day for several weeks. In doing so, said individual from this company has shared my information without my permission and they also provided information regarding said debt to this third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX the XXXX of XXXX I went to TCF bank branch in XXXX XXXX Illinois which was in the process of transferring its ownership to Huntington bank which didn't take place until later in the year. My goal was get part of my Required Minimum Distribution ( XXXX ) from my Traditional IRA payable to an approved charitable organization. 

To my surprise in late in XXXX of XXXX I was calling Huntington bank the new owner of TCF bank to find out where my 1099 INT form for interest so I could fill out my income tax. 
I was shocked to see a Certificate of Deposited showing {$61.00} interest as the only CD I had at the Bank was an IRA CD. I called Huntington bank to try to get this corrected and get a corrected 1099 INT they would not let me talk to the IRA department said they would research it and get back with me. After 2 weeks of waiting I did not hear from them so I called back and was told that it was a savings account no not an IRA account. I knew they were wrong so I did my own research in my documents and found all the documents needed which I took to the XXXX XXXX branch of now the Huntington bank talk to the assistant manager because the manager was not there she called the IRA department and they wanted my documents scanned for them to look at in my research I find out that I was charged a {$400.00} fee to take my required minimum distribution which is absurd. I need {$400.00} refund of the fee as there was no explanation of fee at time it was taken from my proceeds of my RMD and a corrected 1099 INT as Traditional IRA interest is not reported on 1099 INT. I can not believe the money grab and the total incompetence of a Financial institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a ticket from XXXX XXXX XXXX with a Citibank credit card. The day after the purchase, XXXX suspended the ticket and demanded documents for ID verification, to be sent by email. For security reasons, I refused to submit the documents and demanded a refund. XXXX agreed to the refund but never provided it. I disputed the charge with Citibank, but Citibank ruled in XXXX 's favor, saying that XXXX had already provided the credit, which XXXX had not, and later closing the dispute process, saying I had not submitted a valid copy of the charge receipt, which I had.

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 2015-06-02
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Student Loan has been holding onto {$17000.00} of my money for over 3 months and is not returning the money to me or the company I used to refinance my student loans. 

I took a loan from Discover to cover my tuition ( Loan ID : XXXX ) Discover sent a payment for my tuition to my school ( XXXX XXXX XXXX for {$17000.00} in mid XXXX 2015. In XXXX 2015, I refinanced all my student loans with XXXX ( XXXX ). So XXXX sent a check for all my outstanding balance to discover on XXXX XXXX, 2015. XXXX XXXX has a rule that they wont accept funds from loan providers if the the student is enrolled in less than XXXX credits. Since I was n't enrolled in XXXX credits, XXXX XXXX returned the tuition payment of {$17000.00} back to Discover in early XXXX, 2015. I paid my tuition out of my pocket. 

Since then, I have been calling Discover on a weekly basis to have them return this {$17000.00}. I told them they can either send me a check or send it back to XXXX. 

Every time I call Discover I get assurances that this matter has been resolved and the check will be mail out soon. To date I havent seen this money in my account ( personal or XXXX student loan ). 

Please help me resolve this issue with Discover. It have been over 3 months and I need to money to pay off my student loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Crypto.com has a XXXX debit card. I opened one and transferred {$300.00} to it. Now it shows only {$250.00} and I have not charged or used the card and there is no one from Crypto.com who can explain to me the missing {$50.00} or provide me with any documentation of it. Thus, I am hesitant to transact with them until the matter is fully resolved and explained. My customer service requests began on XX/XX/2022 and I have still not gotten any resolution or explanation of the missing {$50.00}. They respond with generic boilerplate messgaes that the matter has been assigned to " the relevant team '' and to please be patient. Several weeks have elapsed, with no explanation and the balance is still {$50.00} short. 

Also frustrating is that they offer no phone number for customer service. Maybe you need to be a very large customer to be entitled to a phone number. Only " chats, '' and emails or texts for the " rest of us, '' which all appear to be the same few representatives. I suspect that the response is really not a human being, but some artificial intelligence bot that responds based on the key words to make customers believe they are being helped. The phrases " no worries, '' " I remain available, '' and " please be patient '' are in almost all of the recent responses from this A.I. customer service bot. If it's a live person, then they monotonously use and reuse the same tired phrases over and over that they were told to use by the company to make customers believe they are doing something, when they are really just stalling and wearing down the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX     2017, I b egan the loan modification process with Bank of America after several months of going back and forth with several customer relationship managers I decided to undergo  the  short sale process. I spoke with then customer relationship  manager   in  XX/XX/XXXX  w ho stated that the file for pending loan modification would have to be closed as a short sale and loan modification could not occur simultaneously. My home was then listed o n  XX/XX/XXXX . I  completed a short sale packet BOA requested of me once they received notice of the listing and it was submitted the first week o f  XX/XX/XXXX . I was  then mailed a home loan assistance packet on   XX/XX/XXXX  to b e completed. My foreclosure date is schedule d for  X/X/2017 .   I  find it extremely unreasonable for the them request yet another packet to be completed and approved before the foreclosure date. I am desperate for help and I have been trying my hardest to do all that has been asked between the time the request for a loan modification was started in   XX/XX/XXXX  and  when I decided to list the property. I believe that Bank of America is not doing what the government says the lenders should do to provide foreclosure alternatives to me in a timely manner. Furthermore, I do not believe that the costumer service relationship managers failed to do what was needed to accurately inform me of the 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 2017-02-17
Company: Diversified Consultants, 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 was paid

Complaint:
I had a balance with XXXX and it was paid through XXXX my account was supposed to be removed from diversified consultants system by XXXX and deleted from my credit reporting. My account is in good standing and I am a current customer and diversified consultants does n't have a right to report this account. Diversified up dated my credit report XXXX/XXXX/17 to reflect closed and XXXX balance and this account should have been removed entirely then they went back and updated my account after XXXX/XXXX/17 reflecting open with a balance. This is inaccurate reporting and needs to be deleted from all three credit bureaus. Attached are the reporting errors and the receipt of payment with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent certified mail to XXXX, experian? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

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 2020-03-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent certified mail to XXXX, XXXX? And Equifax to provide information on XXXX XXXX, XXXX, XXXX which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX partner and affiliate of XXXX XXXX sold a product with a false description. Theyhad claimed that their mining product " Hashlets '' they were selling were obsolete-proof, guaranteed to never break down and always remain profitable. 

XXXX XXXX XXXX XXXX XXXX XXXX is preparing to shut down all operations and run off with customer 's money. I have attached the necessary documents in this file to support my claims against these charges. XXXX XXXX and XXXX has intentionally defrauded customers, lied to customers, and operated illegally. In addition they have also refused access to the products and services customers have purchased and halted operations completely. XXXX XXXX has also attempted to scrub the internet of all incriminating information regarding their fraudulent operations. Even their websites XXXX and XXXX no longer exists. 

Furthermore it is public knowledge that the XXXX Securities and Exchange Commission is investigating XXXX XXXX, XXXX and XXXX XXXX for XXXX XXXX. In addition I have learned that the Federal Bureau of Investigation and the XXXX Department of Justice are also involved. XXXX XXXX has allegedly fled to XXXX in an attempt to escape the XXXX Government and the charges he now faces. 

Over the course of the past 4 months I have attempted XXXX to dispute this transaction with USAA, XXXX times being declined because it was not submitted within their 60 days of the transaction date. I also bank with XXXX XXXX XXXX and they have the same 60 day policy however since the case was about fraud and the fact that the SEC was involved, they initiated the dispute and I was returned my {$26000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-13
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was checking my credit report and saw a notation that a debt collection agency had been added to my report. Diversified Consultants had submitted a report I owed a debt of {$34.00} to XXXX. I was never notified by XXXX or Diversified of this debt. I was never given the opportunity to pay or dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On approximately XX/XX/2019, Santander Bank removed my opening deposit from all my accounts causing many of them to go into overdraft. This was done without any contact from anyone at the bank. I have yet to receive account statements, I have yet to get a follow-up call from XXXX XXXX after leaving several messages. 

I am requesting the overdraft fees be refunded on all our accounts as we did not authorize the transactions to take place and had no knowledge this was happening. 

I would also like to receive a copy of what credit cards you have refunded the money to, because I have yet to receive all of the money. Thank you for you quick reply as I will be filing another complaint if this goes on my chex report. 

I'm not sure where a bank can take money from the account without consent, not give the refund, charge overdraft fees, and turn it over to collections.

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