BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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 applied for a USAA Secured Credit account approximately two months ago. After putting a certificate of deposit ( {$250.00} ) to serve as collateral, my account was approved.

I have been using and making steady payments on the account up until now. This month 's statement balance was the first time I ever had paid an available balance in full.

I made the available balance payment ( in multiple transactions ) two days early than my statement closing date. The payments I made posted a business day before my payment was actually due.

USAA is refusing to apply the balance towards my credit limit ( restore my credit limit ) ; while the balance is applied towards my account, the use of my card is limited.

USAA gave several reasons as to the case : 1. Payments were made with an external account and the credit card was too young - I have been a customer with USAA for over 3 years, and have used only this account to externally fund the approximately nine ( 9 ) diverse accounts I have with them. This external payment account is with Chase bank, and the routing number and account number have been given to USAA prior to opening the account.

2. USAA wants to be sure that they are getting the money - this is the most insulting thing I have ever heard from a bank, especially one of USAA 's caliber ; the card is secured against a deposit, which USAA can reclaim in any event my financial obligations are not met.

3. USAA stipulates that they have the right to increase, reduce, cancel or suspend any credit line - the lack of application of a paid amount to a credit line doesn't normally constitute a credit line reduction or suspension. It does however, indicate USAA 's purposeful neglect in adhering to the terms of its own agreement - where payments made will be credited to the account the same business day ( though this means the account, not the credit line, this does not mean to say that USAA can abuse this power ). At any rate, USAA should not abuse this clause.

I have a hold of 7 days on the account for a 30 day billing cycle. Translated yearly, this equates to a nearly three ( 3 ) month loss of use every year. Further, I was so ecstatic about receiving a credit card from USAA that I increased the credit limit ( by increasing the CD amount ) by {$100.00}, making the total amount of secured credit offered to me at {$350.00}. This also received a payment hold. When I spoke to USAA credit card customer service, they informed me that credit line increase holds were defined in my credit card agreement ( a rather full version is found at XXXX XXXX XXXX XXXX XXXX XXXX ), but could not tell me specifically where such a stipulation or clause was present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had major damage to our home from a storm that came through. Our home owners insurance covered all the damage to the property. When the insurance company sends checks for the damage, they also have the mortgage company listed on them. Citizens One appears to have smooth process that should go quickly to send them the check from the insurance company, the paperwork from insurance with the damage claim, the invoices from contractors who have done the work. We had done all of these items. Citizens One Mortgage  said they release the initial {$40000.00} without an inspection but with invoices. We had invoices totallying over {$40000.00} submitted. The check was for {$42000.00}. We never saw the {$40000.00} released and sent back to us. The inspection was scheduled for XXXX XXXX. We spoke to the inspector. He came took photos and submitted his findings. Fast forward weeks to XX/XX/XXXX when we call once again, and they say they haven't gotten the inspection reports. However, the {$40000.00} should have been released prior to any of that because they said they were releasing it. It's XXXX XXXX and we still have not seen any of the funds released back to us. Citizen One said the check will be overnighted. Our contractors are waiting to be paid. The roof damage that was invoiced at $ XXXX was FINISHED by XX/XX/XXXX. I have been lied to, led to believe things were getting taken care of on the end of the Mortgage company so that we in turn could pay our contractor, yet here we are months later and still no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
WE ARE TRAYING TO WORK WITH THEM BUT THEY ARE NOT WILLING TO WORK WITH OUS -- -WE HAVE BEEN SCAM BY A ATTERNEY MODAFICATION COMPANEY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXXXXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went in to the XXXX XXXX, TX branch with a XXXX appt, the clerk didn't come back from lunch until XXXX!!!!! after an hour of her on hold with legal, she told me she needed a certain letter certified. she was quite rude though-out the appt, or at least not professional. I took my papers, asked specifically what they needed, she told me, but refused to write it down, and refused to talk to someone on the phone who wanted to CLARIFY what forms she wanted. I was very angry at this point at her complete unprofesional manner, took my paperwork and told her I would not be opening an account with them. 

the next day I get an email saying my checking account was open. 

she opened a checking account with out my approval or signature. 

I have spoken to wells fargo executive branch and they have closed the account, but it needs to be noted that Wells Fargo is STILL opening checking and savings accounts with out customer approval or knowledge and defrauding their customers just as they were found out to be doing in 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
As a consumer, I would like to file a complaint against Citibank/ HomeDepot for the XXXX credit cards that were opened last XXXX. 
After numerous efforts to resolve the problem, as of this date it has not been resolved yet. 
XXXX, I have only received XXXX photo copy of my statement for the month of XXXX on XXXX XXXX which they have reported me past due. I have received the cards after XXXX days. 
On the XXXX account, I am still waiting to receive a copy to review my transactions of purchase and credits. I was told that it was also past due. How can they report me late when I have only received both cards early XXXX and no account statements were ever provided. 
In XXXX, I have received a call that my credits cards were sent back " return to sender ''. After talking to the customer Service Dept, they realized that both accounts that was opened on XXXX separate dates has no Street Number. How can they even process my credit application when there is no street numbers on both accounts. How can this happen? Take note my drivers license were presented and SSS # during the application process. Customer service was updated on XXXX XXXX of the home address and I was reassured that everything will be taken care of and both cards will sent out immediately followed by the statements. 
I called customer service to follow up the statements. I was told I can check it online. I complained that I can only gain access on XXXX account and was refused on the other account. They found out that the second account has my middle initial and they will fix the problem so I can also have access on it. 
Until now, I am still waiting for this to be fixed. 
On XXXX XXXX I received another call from Citibank about both accounts being past due. I talked to a supervisor ( team XXXX ) and explained the situation to my accounts. At this point, I have requested that both accounts be paid off. I gave my XXXX account number and routing number. The supervisor agreed to waive the late and interest charges and promised to send me the statements so that I can review the transactions. 
To my disbelief, I got another call Citibank on XXXX XXXX stating that XXXX account is past due. After reviewing my accounts, I was told that only XXXX account was paid off. Excuses were made by Citibank but the bottom line, XXXX XXXX XXXX said that my checking account definitely has the funds and there were no stop payment orders received. 
Take note that only XXXX account was paid off and the bank account number and the routing number were both the same given to the supervisor for accounts to be paid off. 
My last conversation to Citibank was on XXXX XXXX. Again, the bank information was given to them to payoff the remaining account. I still need to confirm if they have processed my payment. 


Your attention on this matter is greatly appreciated. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of 2019 when applying for credit to buy a home I noticed several fraudulent accounts opened in my name from who I believe be my deceased ex-boyfriend although I can not now prove it. I have made many attempts to XXXX with the credit bureaus but continue only to get uninvestigated template denial letters and 0 response from either Bureau. I have attached a copy of the FTC fraud report since the credit bureaus make it nearly impossible to submit it in a timely manner I am  requesting that the cpsb help me resolve the issue and getting those credit companies to comply with the. FCRA and rules set forth by the federal goverment.

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 2016-07-18
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank Citigold Checking account in response to a promotional offer. The offer required two consecutive monthly bill payments and {$1000.00} in purchases. In exchange, I was promised XXXX XXXX XXXX miles deposited into my frequent flyer account. I confirmed the promotion was attached to my account, then after completing the actions I further confirmed that I had fulfilled all requirements for the offer. 

Citibank customer service said I had indeed done everything necessary and my points would be deposited within 10 days of XXXX/XXXX/2016. After those 10 days passed I contacted Citibank, and they told me I was ineligible for the promotion because I was not " targeted. '' That was never a requirement mentioned in any of our previous correspondence, and it seems like a deceptive practice to have the customer fulfill all requirements of an offer, wait months, and then be told that they wo n't get the incentive they were originally offered.

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 2016-02-03
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We have a fairly new lease on a new XXXX vehicle managed by Chrysler Financial. 

There appears to be no way to make a payment to Chrysler Financial without having to pay a XXXX XXXX fee. 

When we learned of the fee for making an electronic payment on the Chrysler website, we decided to add them as a payee on our banking bill pay instead. This way the payment goes straight from our bank to them and we do n't need to use the XXXX XXXX interface web page or services. 

A week or so after our payment was made, we received a bill from XXXX XXXX for a fee ... ..although we did n't even use their services!!!!! 

It seems unfair to force consumers to pay an extra fee just to make our lease payment directly to Chrysler Financial. There appears to be no way to avoid this fee from a 3rd party even though we are not using their service. 

This fee was also NOT disclosed on our leasing documents or during the leasing process. 

if Chrysler decides to use a 3rd party to process their payments, that seems to be their cost of doing business NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I missed a credit card payment on my sears card. A collection call came, and the operator told methat if I scheduled a partial payment and paid the total off on the due date, that the collection calls would stop. On XXXX/XXXX/15, {$100.00} payment was made and a payment for the rest is scheduled to come out on XXXX/XXXX/15, the due date. The operator said that the calls will stop. They stopped for a few days, buthave resumed, incessantly. Today, XXXX, I have had XXXX phone calls from them. I told them to stop calling me since i did everything they told me to to stop the calls. The last operator said they could only push the calls push the calls back until the XXXX of XXXX, and then they would resume. 
that called said they could n't push the calls back any further than the XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Collection Information Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am currently in the XXXX XXXX. I supposedly have a collection pending for a transaction of XXXX XXXX I never have received notification to pay this amount before going to collection. I believe it is unfair because if at any time i would have receive a notification, this would n't be in collections right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2022-03-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
All of a sudden, this month, I was charged a {$3.00} paper statement fee on my savings account. I have never had paper savings account statements mailed to me and never requested them. Truist apparently combined my checking and savings statement into one statement ( without notifying me of their intention to do so and without my consent to do so ) and is now assessing my savings account with a {$3.00} monthly fee to receive this statement. Although I do receive a monthly checking account statement in the mail, I have never been charged for that. And I certainly want that to conrtinue. 

Doesn't the federal E-Sign Act prohibit financial institutions from charging for paper statements when the consumer does not consent to electronic statements? Doesn't the financial institution have to provide paper statements, at no cost, although they may offer a discount to those who want to receive electronic statements? And how is this fair to someone who may not have access to the equipment needed to access and download statements online? Why should they have to pay more for something for which they may have no other way of accessing? 

This is completely unfair for them to charge this fee.

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 2017-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.

2. Failed to provide copy of the original contact bearing my signature.

This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.

Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12
Company: ENOVA INTERNATIONAL, INC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
First, payments were deducted in triple and double amounts. Then, when I canceled auto payments and asked for a payment plan, was denied. 

Cut to two years later ( when they finally decided to get in touch with me ) I '' m all of a sudden being told that I can get on a payment plan - which I replied to - never got a response. Then I was told my debt was sold, and now I'm being threatened with wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: TX
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:
The items listed below are reporting on my personal credit file and were found in myreports with XXXX, Equifax and XXXX credit reporting agency. These items wereopened fraudulently. Ive informed all parties of the issue & provided the necessarydocumentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the creditreporting agency & data furnisher have not provided me with any evidence of an opencontract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX : {$3600.00} XXXX XXXX ( XXXX : XXXX XXXX  XXXX  ) XXXX Balance : {$4100.00} ; XXXX XXXX : {$190.00} ; XXXX/XXXX  XX/XX/2021 XXXX

Company response to consumer: Closed with explanation