BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife had an accident with a deer on XXXX XXXX with our 2012 XXXX XXXX and it was totalled. XXXX XXXX told me they paid FirstMerit {$10000.00} on XXXX XXXX. ( Loan Number XXXX XXXX ). We also had XXXX XXXX through XXXX XXXX on the car and the rest of what was owed to FirstMerit was roughly {$2600.00}. Finally this morning XXXX XXXX, after many calls and conversations with XXXX XXXX they finally had all the information they needed to pay the rest of the car off ( Their reference numbers for our case was XXXX and XXXX. 
FirstMerit called yesterday XXXX XXXX and wanted a car payment of {$290.00}. I believe I talked to a XXXX. I said we would not make that payment because the XXXX XXXX from XXXX XXXX was covering the rest of the car loan. She knew that was the case but still wanted our payment else would be delinquent on our payment. I contacted XXXX XXXX this morning and all the items they needed to pay off the rest of the loan were in order and the money would be allocated within 5 to 7 Business days. I figured I would call FirstMerit back and I got hold of a Man by the name of XXXX XXXX. I told him about XXXX XXXX making the rest of the loan payment within 5 to 7 business days and he said he would make a note of that. Then he proceeded to tell me we would be reported for 30 days over due because in 5 Days our payment would be overdue and we should make that payment of {$290.00} to stay current. I then proceeded to tell him everything I had told him before about XXXX XXXX making the payment within 5 to 7 business days and he came back with the same statement about we would be reported for a late payment if we did not make the {$270.00} late payment. I again told him the money would be there from XXXX XXXX and he said we would be considered 30 days late in 5 days. I asked him his name and he told me and I told him he should consider the circumstances and not consider us late. He then repeated the same 30 day information he had told me 2 times before. I told him to mark this down on his computer that we should not be late because the money was coming from XXXX XXXX. He said he could n't do that and started his 30 day speech again I was getting rather disgruntled with him so I said I was going to report him to a XXXX. I then hung up and got this information to make a complaint. 

Desired resolution is that we should not be turned into anyplace for a late payment. If it has been put in some record it should come off from our record immediately because of the timing of this whole issue. By this time FirstMerit would have received all their money and the late fees of {$20.00} should not apply also. 
I believe that XXXX was quite unprofessional and did not care to hear anything I was telling him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I have received an email from Venmo that I am trying to make a transfer. 
I didn't not try to initiate this transfer so I reached out to Venmo via their chat option right away. 
I was told by the rep that there was no suspicious activity on my account and that they will freeze my account for safety and not to worry. 
However, while we were engaged in this chat, someone added another bank account to my Venmo account and made XXXX transaction for about {$600.00} each. They took all the money I had stored on my account at the time. 
The rep then told me that they will freeze my account again? And that I shouldn't worry and everything will be resolved within 10 days. 

Starting on this day I have been getting around XXXX fraudulent emails from different " government '' organizations asking me to contact them. Needless to say I have been deleting these. 

In 10 days I reached out to Venmo only to be told that I should be getting the resolution " today or tomorrow. '' I haven't heard from them. 

In 2 days after that, I reached out to them again only to hear the same promise, " today or tomorrow at the latest. '' In another 2 days, I reached out again and heard the same response. I requested for my case to be escalated. 

Then, a manger reached out to me via the email to inform me that the problem will be solved 10 days from the fraudulent event. I had to remind them that by that point it had been over XXXX weeks. 

The manager responded that they have no access to my file and they have no information on when it will be resolved. They said that my account was being " investigated. '' Which is completely valid but while they are performing this investigation they are also withholding the money that is not theirs to have. 

I have not heard anything from Venmo since then. Today on XX/XX/XXXX I started getting text messages on my phone from Venmo stating that I am trying to make a transaction for {$500.00} .... I believe this is fraud again and I am unable to reach Venmo. 

In 3 days it will be exactly 1 month since this fraud took place. My account is still under attacks, I don't know if these cyber hackers have been able to obtain my personal data from Venmo, and Venmo has been irresponsive to my attempts to communicate. 

Is this legal for them to break their own policy? Isn't it a crime to withhold their customers money like that on top of not protecting my personal data and not issuing a reimbursement in a timely manner according to their own guidelines? 

I have all my communication with Venmo documented through copies of messages they always issue after the chat communicating is complete. 

This is the request number with Venmo # XXXX And these are the people that have been making false statements in regards to the timing on when my case will be resolved XXXX XXXX Venmo Support and XXXX XXXX | Venmo Purchase Support Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-01
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This complaint is in follow-up to Complaint # XXXX filed on or about XXXX/XXXX/XXXX. 
This claim was addressed by Citi Financial in XX/XX/XXXX and my credit reports were updated. However, in XXXX, XXXX, this XXXX mortgage in the amount of {$22000.00} reappeared on my credit report ( See attachment ) and I started receiving bills stating that I 'm approximately {$9800.00} past due. This issue with CitiFinancial is starting to run my credit score down again. 
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP, WHICH IS NOW INTO IT 'S 3RD YEAR. 
Thank-you in advance for your help in bringing FINAL RESOLUTION to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Citi bank was charging expedited payment fees on my delinquent accounts. I paid the fees after they said it would remove any negative affects from my credit reports. I sent in the check payable to Citi through their debt collection company. I was told this would be removed from my credit reports. Citi should have this removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: DE
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:
Upon reviewing my credit report, I found out that there is erroneous account that is still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed account, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following item : Collection XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is reporting incorrect information on my credit report. I have XXXX accounts with XXXX. ( XXXX ). I have sent in proof from XXXX that these accounts were never paid late and they should be listed as accounts that are satisfactory. I also have XXXX collection accounts on there that do not belong as I was on Medicare at the time and Medicare told me they paid these XXXX bills. Now they are in collection. With this incorrect information on my report is affecting me in obtaining credit and affecting my credit score. I have contacted transunion to dispute this several times and am being told that they can not re-dispute this information. So am I just suppose to have this wrong information keep reporting on my report and have it affect my credit score? This is completely 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 2022-07-26
Company: FIRST CITIZENS BANCSHARES, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up with CIT bank FDIC number XXXX and it says my login does not work after it took {$500.00} from me when I transferred it to open the account. I have tried calling multiple times and the wait time range from 150 minutes to 345 minutes. I need help. I feel as my money has been stolen from me and I know I am not the only one. If you go on their XXXX you can see other people are having problems as well. Please look into this and help up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am writing to complain about misleading trade practice by Experian Credit Reporting service. 
I recently requested copies of my credit report from this outfit. I was charged a fee for this service of {$1.00} then XXXX on XXXX, then this next month I was charged another {$23.00}. I called then to dispute this and was told it was a membership fee and was non refundable. 
I did not knowingly agree to any membership fee and found their website excessively complicated. This was a scam to get me to pay for service I did n't want and for a report that by law is free to the consumer once a year.

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 2015-05-24
Company: DriveTime
State: AK
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX is a dept collector at drivetime, he has sent text messages threating repossession using a phone app which leaves .he leaves Anonymous text. He also leaves messages to references comitting third party disclosure messages to references

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan has been serviced by XXXX since XX/XX/XXXX - Exhibit XXXX. Prior to that, the servicing was assigned to CitiMortgage. While the loan servicing was handled by CitiMortgage, I filed a Chapter XXXX bankruptcy - Case # XXXX. Per the bankruptcy trustee 's disclosure, all mortgage payments in arrears ( {$15000.00} XXXX were paid through the plan - Exhibit XXXX. " Notice of Final Cure Payment '' was sent to CitiMortgage XX/XX/XXXX describing the same - Exhibit XXXX. 

Per the discharge of my Chapter XXXX Bankruptcy plan, my mortgage loan was current prior to the service transfer XXXX. XXXX issued notice that the account was past due {$3200.00} as of XX/XX/XXXX - Exhibit XXXX. XXXX refused to acknowledge and investigate the claim and payment history with the bankruptcy trustee. After further investigation on the CitiMortgage payment history, I found that XXXX payments were reversed totaling {$5800.00} - Exhibit XXXX. CitiMortgage has refused to acknowledge my requests to investigate the reason for the accounting reversals - Exhibit XXXX. 

Per the FDCPA, both XXXX and CitiMortgage are required to investigate any debt dispute within a matter of 30 days. XX/XX/XXXX XXXX issued a Default Notice and threatened to foreclose - Exhibit XXXX. The notice of default " NOD '' has a payment demand listed at {$4600.00} -- which was paid via cashier 's check -- Exhibit XXXX. XXXX has been cited in the past for escrow distortion, mortgage fraud, RESPA violations and illegal foreclosure on a long list of federal lawsuits. This case obviously fits in the same group. Based on my calculations, CitiMortgage is liable for a {$5800.00} refund and XXXX is liable for {$4600.00} refund. Since XXXX parties have ignored my requests for a voluntary refund, I am seeking your assistance on this matter. You can reach me via email XXXX XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Genesis FS Card Services, Inc.
State: IA
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:
I called today XX/XX/XXXX because I just recently logged into my account to check my balance and it says I have XXXX available credit... I asked the person on the phone why I had no credit and they said it's because my account was closed XX/XX/XXXX by my request... I do not recall ever calling in and so I asked to speak to a supervisor... The supervisor stated that I called in XX/XX/XXXX and closed the account due to low credit limit... I informed him that I never called in...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, my wife and I called to AMEX XXXX and asked about my wife 's welcome bonus ( XXXX XXXX   point and one free weekend certificate ). The customer service refused to give the welcome bonus after she completed her spending amount {$5000.00} on XX/XX/XXXX. She insisted that the system told us the system warned my wife would not get welcome offer for this card. However, we did not see this kind of information or any similar things during the application. Otherwise, we would not apply this card for my wife. Ironically, she got instantly approval for this card!! 
Asked to transfer to a manager. Still gave us the same answer. 
This is unbelievable that Amex tricks their customers. And it happens to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to receive mortgage assistance from Wells Fargo since XXXX 2015. My wife and I had a terrible hardship with our children and expressed that to the lender with our loan modification request and documentation. We were strung along for 6 months falling more behind to be told that our income was {$4600.00} and insufficient, totally untrue! At the time of this mod request I sent over my XXXX unemployment income and my wife $ XXXX monthly income ( XXXX contribution ) she is not on the loan. That 's {$6800.00} in income with about {$5000.00} in expenses, a {$1800.00} surplus. So I appealed that decision with updated income since I started back to work with current paystubs from my wife and I. Our income between the both of us is over $ 10000 monthly and we were yet denied again. With no explanation. So now Wells Fargo could n't say our income was insufficient because it was n't. So instead Wells Fargo gave this vague response : " After carefully reviewing the information we currently have, we have determined that you still do not meet the requirements for a loan modification ''. That explanation is not acceptable! This lender is XXXX % the reason we are $ XXXX behind because they have wasted so much time with not trying to help. I have been misdirected and misinformed by XXXX different Wells Fargo dept whether to send in payments. I got a different answer from all XXXX dept when I asked can I still send payments. It seems Wells or the investor is looking at a better market and equity in my home and is not willing to help. You can hear and feel it in most all conversations with them. We feel this lender is not being forth right. I called the executive office today and was told that there was nothing they could do, I was trying to set up a repayment plan because we make the money and they said they could n't do that giving no explanation. This lady said that we had exhausted all our options. Are you kidding me, absolutely no help at all from Wells Fargo. We are good educated people who went through a tough time and just need a little help to bring the mortgage current. They have not put ONE plan in front of us to do just that. So at this point we want to make a formal complaint to CFPB regarding Wells Fargo mortgage for : Unfair Business Practices, XXXX Fair Debt Collection Practices Act, Violation of Cal. Civ. Code 2923-2924.5 ( Ca Homeowner Bill of Rights ) and /or Breach of Contract. We want this lender and investor to offer us at least XXXX reasonable 6 month plan to resolve the delinquency, if not a loan modification. We are reasonable people who is not trying to live for free. We want to pay the mortgage, we just need Wells Fargo to accept the payments. Please help and thank you for listening!

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 2022-07-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
sent out my a letter XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 


According to the law 15 U.S. 1681- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2020-01-02
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number 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