BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a savings account with the XXXX Bank of America branch on XX/XX/XXXX at the advice of a rep who told me the bonus would far exceed any interest I would receive from another bank. The account was funded to the prescribed amount on XX/XX/XXXX. I was to earn a bonus of {$400.00} after 90 days of maintaining the prescribed balance. I did that. When the 90 days had concluded I called Bank of America XXXX and asked why my {$400.00} bonus had not been deposited into my account well beyond the 90 days. She assured me it would be deposited the next week. It was not. I called again the week of XX/XX/XXXX and was told XXXX, the assistant branch manager was putting in the request for the bonus to be applied. It could take 7-10 days until it was deposited. Why would someone have to request the bonus. That should be automatic upon fulfillment of the agreement. No deposit. I called again on XX/XX/XXXX many times. No one answered many times. Finally one person answered, I explained the situation and she XXXX transferred me to BOAs XXXX number. I called again XX/XX/XXXX, no one answered the phone. What kind of business doesnt answer their phones? I made an appointment at XXXX to speak to XXXX XXXX XXXX Incidentally, she was the person who opened my account initially and to whom I spoke the first time about the bonus. ( It was XXXX who told me it would be there the next week. ) Upon arriving at the bank and explaining the situation to XXXX XXXX, she disappeared into the back office. When she returned she told me told XXXX was at lunch and the manger with whom she spoke to said the funds would not be deposited for 30 days. It has been more than 120 days since I opened the account. After leaving the bank I received a notice that I had cancelled my appointment. That is NOT true. See below. 

Friday XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX Other XXXX Cancelled XXXX appointment XXXX XXXX on XX/XX/XXXX XXXX XXXX pm XXXX at XXXX XXXX XXXX XXXX NJ XXXX The issue here is obviously the {$400.00} bonus I am to receive. I can not close my account until the bonus has been deposited or I will NOT receive the bonus. I am not even earning {$1.00} a month interest on this account. I have to close the account and open one elsewhere so I am able to earn interest. This is part of my income in addition to social security. 

Bank of America has been untruthful on XXXX separate occasions. This is unconscionable. I want the {$400.00} bonus and interest I would have earned after the XXXX fulfillment of my agreement. 

Thank you in advance for your assistance in this matter. Please confirm receipt of this complaint. 

Best regards,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I AM A US CITIZEN LIVING IN XXXX. I HAVE A CHECKING ACCOUNT WITH CITIZENS BANK OF PENNSYLVANIA, XXXX XXXX XXXX. I HAD A DEBIT CARD ASSOCIATED WITH ABOVE ACCOUNT THAT EXPIRED XX/XX/XXXX. PREVIOUSLY EXPIRED CARDS WERE REPLACED AUTOMATICALLY. THIS TIME NO CARD WAS FORTHCOMING. I HAVE CALLED SIX TIMES THE TWO XXXX NUMBERS PROVIDED TO DEMAND A REPLACEMENT. EACH TIME I WAS TOLD IT WOULD BE SENT ASAP. THE MOST RECENT TIME I WAS TOLD IT WOULD BE SENT XXXX. NO CARD HAS YET ARRIVED. MY LAST CALL WAS YESTERDAYXX/XX/XXXX. EACH TIME I TALK TO A DIFFERENT SERVICE PERSON TO WHOM I HAVE TO REPEAT A LITANY OF SECURITY INFORMATION AND RECOUNT THE PROBLEM IN DETAIL. EACH CALL HAS LASTED MORE THAN 30 MINUTES, SOME OVER AN HOUR, SOMETIMES BEING PUT ON HOLD INTERMINABLY TO CONSULT A SUPERVISOR. SPECIFICALLY THE PROBLEM REVOLVES AROUND THEIR NOT BEING ABLE OR WILLING TO VERIFY THAT A CARD HAS BEEN SENT AND NOT BEING ABLE TO GIVE ME A TRACKING NUMBER FROM XXXX WHICH I NEED TO CALL THE LOCAL OFFICE IN XXXX XXXX TO DETERMINE IF IT HAS ARRIVED. THEY TOLD ME THAT A CARD HAD BEEN SENT BUT RETURNED UNDELIVERABLE, BUT XXXX DENIES THIS. I ACCESS MY RETIREMENT INCOME PAID TO THE CITIZENS ACCOUNT USING THE DEBIT CARD. WITHOUT IT I CA N'T GET MY MONEY. I NEED THE CARD NOW OR SOON I WILL BE WITHOUT CASH AND DESTITUTE. THEY MUST, IF AND WHEN, THEY SEND THE CARD, GIVE ME A TRACKING NUMBER. WITHOUT IT THEY CAN GO ON OBFUSCATING ( SHOULD I SAY LYING? ) INDEFINITELY. THEY ( THE SERVICE AGENTS ) SAY THEY ARE NOT IN CONTACT WITH THE XXXX OFFICE AND HAVE NO WAY OF SENDING ME A TRACKING NUMBER ; LIKEWISE, THEY WO N'T TELL ME WHICH XXXX OFFICE WILL SEND THE CARD, WHERE IT IS LOCATED, AND WHAT ITS TELEPHONE NUMBER IS. FOR TWO MONTHS I HAVE BEEN CALLING IN VAIN. I NEED MONEY NOW. WHO CAN MAKE THIS BANK SEND ME MY CARD?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Albert Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
XX/XX/22 amount XXXX. No action with company I uploaded my at XXXX I submitted proof and so did XXXX I were texting XXXX XXXX hr

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Applied for 2yr promo card with home depot. Used only once on the date of application. Never explained to exactly what would happen after 2yrs. Covid hit 4 mnths after applying. My business was hit hard and never recovered. Yet, I continued to make min monthly pymnts to stay afloat- & I did. Promo ended during covid and in seconds my balance doubled. I went from XXXX balance to XXXX. I had made 2 payments of significant amounts just a day or 2 before promo was ending. Rep on the line never mentioned what was goina happen and still collected payment. Overnight my min bal went from under XXXX $ to XXXX $ minimum. I have tried for several mnths to set up a pymnt plan to no avail. Today I talked with a rep, a L2, & a customer service supervisor. I am being told if I can not afford XXXX $ XXXX I am not allowed to set up the pymnt plan. OR pay XXXX within XXXX. I can not afford either & I have explained this to all XXXX of them. Again to no avail. I am told that my interest will continue and have a possibility to continue til XXXX! XXXX go to collection agency. Why should I suffer at every turn. I didn't make the pandemic start that ended hundreds of thousands of businesses. I didn't ask for any credit limit close to XXXX cause I can't afford it. I paid every mnth throughout the entire pandemic. And am still trying to pay this underhanded company now. I'm doing best to be responsible and accountable for this but at every turn I get a gatekeeper that won't allow you to pay down a balance if it's not their exact amount to pay ev month. Instead of some sort of rectification they'd rather just KEEP CHARGING ME so that the hole becomes deeper. I've never known a debtor not collect towards debt UNLESS they have a different scheme to get you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Consumer Portfolio Services, 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: Account information incorrect

Complaint:
Consumer Portfolio Services is deliberately reporting false and defamatory information on all three Credit Reporting Agencies. False and malicious information is being reported and I have repeatedly tried to clear this up with the credit reporting agencies and Consumer Portfolio Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
For a {$1000.00} payday loan they added a one time loan fee of {$1400.00} If I want to pay loan in full I have to pay the fee They will not accept the principle in full without the added fee which is more than the loan

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

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 2017-04-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I had this credit card that was closed and paid as agreed in XX/XX/XXXX. Citibank. In XX/XX/XXXX, they sued me after reopening without my knowledge and doubles the amount owed with fees. When I called them they say they are not the one suing me, the card was sold to / Assignments rights given to Citi XXXX in XXXX and no longer owned by them. They could not even find it in their system. I ended up speaking to a XXXX in their recorders section in NY, that told me all lawsuit records are processed through her, and they Citibank is not the Plaintiff where my cases is concerned. When they, and also I did call Citi XXXX, we got the same recording that the account is handled by a outside vendor, etc .... the 3rd party vendor is the attorney firm that bought it. They have been suing me since XXXX, and this is causing XXXX and financial hardship on me an my family. My XXXX is extremely high, my doctor can even XXXX it, because I 'm constantly under this XXXX.I have paid over {$4000.00} so far, and still owe the attorney over {$4000.00}. XXXX have paid them too, just about the same amount of money and I really do n't know what my attorney office is doing. They keep passing the case around the office to their different attorneys and redoing all request afresh as a new case. 
They have all the evidence they the attorney firm suing is fraudlently using citibank from day one, and will do nothing about it. Now after 8 years of suing, and about 10 years since the card is closed, I was just told by my firm we are going to court for a trial and they, my attorney firm are withdrawing. After over {$10000.00} in fees and proof they are fraudulent, they want to withdraw? HELP, HELP.

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 2022-09-03
Company: EQUIFAX, 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:
XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX  would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.

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 2017-08-25
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was XXXX XXXX and XXXX from the XXXX XXXX XXXX Military. The primary reason was XXXX, and I was awarded XXXX XXXX XXXX pension. I appealed the decision effectictive in XX/XX/XXXX. On XX/XX/XXXX, I had XX/XX/XXXX, which was one of my main medical complaints. I have XXXX of the XXXX ( XXXX XXXX XXXX as well as XXXX and XXXX of the XXXX ) and XXXX of the XXXX. I am still having XXXX XXXX XXXX and problems and taking XXXX medications through the V.A.. The V.A. is talking about possible XXXX again on my XXXX and XXXX XXXX. They have also discovered I have XXXX of my XXXX XXXX  and XXXX, as well as XXXX of XXXX XXXX XXXX. The V.A. also determined that I have XXXX XXXX and / or XXXX in my XXXX XXXX. All the above is under appeal STIIL and it 's the Department of Veteran Affairs. The state Social Security XXXX denied my claim stating that under their rules, with my education, training, and experience, I can still perform certain jobs. They are wrong and I will be appealing again. I XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and so on without severe pain.
Anyway, since all of this started, I have been out of work and trying to live off my XXXX XXXX XXXX pension from the military. I missed one payment a while back, and Vanderbilt Mortgage DID take that payment and put it to the end of my mortgage. I missed another payment, then only made a partial payment because my truck broke down ( which I can not afford to fix ) and had to have it towed a long distance costing me a good chunk of money. Now, Vanderbilt Mortgage is no longer willing to work with me and are saying I am 2 and 1/2 months behind on my mortgage. I get paid. Once per month at the end of the month. I make my payment online the day the money hits my account. Vanderbilt works off electronic checks. They keep charging me almost {$20.00} late fees each month claiming I am paying late. I tried to modify my mortgage by extending it to lower my payments, but was denied because " I do not make enough money ''. Then I get a letter stating that they are under th impression that I can NOT make my payments anymore and offered me {$500.00} to be out byXX/XX/XXXX. I received that letter on Saturday, XX/XX/XXXX. Then I got another letter stating that they are attempting to help me, but I am not willing to make the effort. WRONG! It is the exact opposite. They are not willing to work with me or help me in any way. They are already charging me over 10 % interest. They wo n't even explain to me how they figure I am past due by 2 1/2 months.

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 2017-08-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased furniture at Ashley 's furniture in XXXX 2016 ( total {$3100.00} ) and signed up for a 24 month same as cash credit card. After a year of paying on it, I was hit with {$960.00} in interest. I looked at my paperwork and the comments state " stars and stripes no interest 24 months tax. Below that it shows they only gave me the 12 month same as cash credit card. I have worked with the District Manager and they will only credit me back 1/2 the interest because they say it was signed. I have asked for the original paperwork ( with signatures ) 4 times now and they still have not sent it to me. I only have the paperwork that does not have signatures. So what I " thought '' I signed up for, I did not receive. I feel like they should honor the 24 month interest that I was promised.

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have numerous inquiries on my credit report only because capital one pre approval stated that I was approved.Capital one wanted me to send in documents to confirm my identity and I did.im stuck with hard inquiries and points being taken off my credit score and no credit card.Um trying to build credit but capital one misled me by telling me I was approved but later stated that my documents were not.i don't understand.I did finally get an approval for a card XX/XX/XXXX but the card never came.I want all of the hard inquiries from capital one removed and I can apply for a card with a genuine and honest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I saw there was a {$840.00} negative account on my credit report when attempting to purchase a house inXX/XX/XXXX, I notified the credit bureau that I was not aware of this charge on my account. Subsequently the creditor ( Midland Credit Management Inc. ) sent me a response on XX/XX/XXXX stating that they were unable to determine the nature of my dispute and denied that their records were incorrect. Phone calls continued to come to my home phone, letters requesting payment of the debt and eventually they filed a lawsuit against me. My only issue with this all is that they expect me to pay for a bill that someone from Mississippi made. I have never lived in Mississippi and do not know anyone who lives there therefore did not feel I was obligated to pay this debt. My court date has now been set for XX/XX/XXXXand I have to put time and money into a debt that I did not make. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in 2014 my purse ( which included my license, social security card, pictures etc. ) I had to shut down all bank accounts so I would n't have told you that something cleared my bank. Also my personal information was leaked online to public information sites ( see attachment ) anyone can google my name and obtain detailed information about me which I 'm trying to get removed off line. I do n't even live in New Jersey. Nothing has been presented to me as verification of debt either by Trident or XXXX online. 

Disclaimer advise by lawyer to note : I did not authorize any debts to be brought by a third party company. I did not authorize my personal information such as name, address, social security number, Date of Birth to be given or brought by a third party company, if you are not the company at which I acquired a debt you are a third party company. I have the legal right to protect my identity, if any debts are owed the originally company can send proper verification i.e. a signed legal document explaining my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I 've been struggling to try to pay my loan due to the fact I work and go to school and is trying to get by everyday and then I ended up XXXX for traffic tickets and lobel financial repossessed my car I understand they 've been trying to contact me but how when I was XXXX and could n't do anything. They told me I could n't get my car back unless I pay the full {$7000.00} loan by XXXX XXXX! Who has that kind of money to just give out! I explained my situation and the girl kept saying because it 's a new loan it 's nothing they can do about it. I 'm pretty sure they can I was willing to make the {$680.00} I owe plus the repossession fees and still they were n't budging. People go through situations and events that we do n't ever expect to happen in our life. why ca n't they understand, I promised I would. It be late anymore and she just kept offered the repossession tow yard number. She was very rude and just hung up the phone on me and my girlfriend. She did n't allow me to speak to management and just kept saying there 's nothing she can do! Yes there 's something u can do! Let me speak to management besides hanging up on people!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation