BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank fraudulently debited my account and additional {$2000.00} on XX/XX/XXXX and even when I notified then about it and they admitted that it was their mistake, they flat out refused to do anything about it. 
Citibank put my account in on " Overdrawn '' status because of its own fraudulent debits and denied me access to my own funds for 2 days. 
I use this account as my primary account and losing access to my hard earned money for 2 days caused me lot of hardship. 
Since they put my account in " Overdrawn '' status for 2 days, my XXXX request for pulling money from an external bank ACH 's service were also rejected. I was charged 2 {$35.00} fees for that and Citibank is refusing to do anything about it. 
I lost at least 5 hours trying to reason with their XXXX XXXX  CSR agents who habitually XXXX to customers. 

If all that wasn't bad enough, their customer service is even worse. There is no way to put it, but they are all donkeys, no offense to donkeys. These are some of the XXXX  excuses I was provided - They tried to blame me for their own account mistake, even though debits showed the same id ( XXXX ), they kept blaming me by saying that I initiated 2 transactions. 
- Some were so XXXX that they couldn't even recognize the transaction id as initiated from Citibank itself. Asked me to contact the recipient bank which had nothing to do with Citibank 's stupidity. 
- If you ask for a supervisor, they just hang up on you - Some agents feel it is ok to chat and giggle with their co-workers while they are on call with a client - The worst part, when you ask for some one higher up, they flat out XXXX to you. The excuse is always the same that their manager is in a meeting an they will call me back, Of course, no one ever calls back. 
- They flat out refuse to correct the mistake even after they admit it after hours of arguing. 
- When asked what should a customer do when a XXXX bank like Citibank fraudulently overdraws a customers account, the answer is try borrowing money from a friend. 

To the person who is responding to this, I have proof of everything that I said included the phone calls. So you better not lie like everyone at Citibank habitually does. 
I have attached proof that even on the 2nd day, after spending 5 hours on the phone with these XXXX XXXXs, they hadn't rectified the issue. 

CFPB, will you please also refer this case to DoJ so that they can take appropriate action against the XXXX XXXX who run this bank. The only reason this scam of a bank survived was because of clients and tax payers like that.

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 2016-10-25
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX .... Balance : {$140000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I, XXXX XXXX XXXX XXXX XXXX, I have tried to reason with Navient Re :, a private school loan that should have been considered for the original Navient lawsuit. However, my loan was never considered, nor did I ever receive any type of correspondence regarding the same. According to the information notated in the lawsuit, my loan did and still does meet the requirements of the original judgment. 

The aforementioned private loan is in default and was charged off/closed via Bankruptcy Court in XXXX. Yet, the loan continues to be updated on my credit report every month as if it is a current loan that is in collections. This prevents me from being considered for housing due to ongoing negative activity. It continues to update my credit report each month. 

I attempted to reach the credit department for Navient to seek assistance with my credit report without success. I never heard from them. 

I have recently been corresponding with a XXXX XXXX via email and phone conversation to date. I was informed by XXXX XXXX that my XXXX score was too high at the time of the loan. How is that? My XXXX XXXX was not in good standing, much less having a decent XXXX XXXX. However, she did not come up with a solution for my issue. I also mentioned to her that I had applied for consideration for XXXX, and that was rejected as well. She informed me that I had applied with the wrong website and that she was sending me the correct information which I never received or it was never sent. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: ZWICKER & ASSOCIATES
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I've demanded that WELLSFARGO AUTO PRODUCE THE ORIGINAL REATIL INSTALLMENT CONTRACT AND THIS IS THE 3rd TIME THEY SENT ME A COPY OF THE CONTRACT NOT THE ORIGINAL, SO IM DEFINITELY FEELING LIKE THEY ARE IN BREACH OF AGREEMENT. THEY REFUSE TO SEND ME A RECEIPT OF ALL 1099s and BONDS. I WANT TO BE SURE THAT I AM NOT DOUBLE PAYING AND IM PAYING THE CORRECT PERSON. I WANT THE XXXX BOOKKEEPING OF MY ACCOUNT NOT THE " TRANSACTION HISTORY '' IF YOU CAN NOT COMPLETE THE REQUESTS THEN I WILL ASSUME THAT WELLSFARGO AUTO AND XXXX XXXX ARE COMMITTING FRAUDULENT ACTIVITY AND WE COULD TAKE LEGAL ACTION. IF YOU CAN NOT PERFORM THE REQUESTED ACTIONS I WILL LIKE MY FULL REFUND OF PAYMENTS I MADE ON THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX A XXXX .... Balance : {$130.00} ; XXXX  XXXX .... Balance : {$85000.00}

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 2021-01-08
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
At end of paying off auto loan 6 years period and maturity date is XX/XX/2021. Santander stating that I may owe a balance after maturity date when last payment is made etc. Was not informed of this on getting original loan and through conversations with agents
epresentatives was told when my last payment made car loan will be paid off. Recently was told because of extensions I received on loan ; would have a balance or balloon payment yet I am paying interest at high rate. Would not even give me any estimate and vague about answering questions concerning the loan pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: Payoff process

Complaint:
I HAVE A CREDIT CARD WITH PNC BANK, THE PNC POINTS CARD. IT HAS A LOWER INTEREST RATE FOR PURCHASES, AND A HIGHER INTEREST RATE FOR CASH ADVANCES. I CALLED THE BANK TO FIND OUT HOW TO PAY OFF THE CASH ADVANCE BY MAKING A PAYMENT ABOVE AND BEYOND THE MINIMUM PAYMENT. HOWEVER, I WAS INFORMED BY PNC THAT THIS IS NOT POSSIBLE, THAT THE EXTRA PAYMENT WOULD GO TOWARDS THE BALANCE WITH THE LOWER INTEREST RATE. I INDICATED THAT THIS SEEMS TO VIOLATE THE CREDIT CARD ACT OF 2009, BUT THE PNC EMPLOYEE SAID THAT IS THEIR POLICY IN HOW THEY ALLOCATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
receiptI wen t to Conns and w as approved to purchase a computer from there on credit. I accepted the terms of the agreement and also purchased insurance to protect the computer. After having it for about 6 months to a year ( give or take ) I started having issues with the computer and remembered I had purchased insurance on it for the length of the contract. I brought it to the store in  XXXX  Texas and drop it off for repairs. I spoke with and handed it to my salesman  XXXX   XXXX . I receive a receipt and wa told they would call me once it was repaired. Nearly a month went by and I called and asked was the computer ready, I was told they would have to call me back and advise as they would need to call to check the status as electronics had to be shipped out. I did not receive a call so I went to the store the next day to make my payment and ask again. They were still unable to give me an answer. I advised them at this time that I would NOT make the payment on an item I did not have due to them loosing it. I spoke with my saleman aga in (   XXXX    XXXX    ) a nd he said he would do everything he could to get this take care of. I called their corporate office in  XXXX  to advise of the issues and was told they to would reach out to me once it was resolved but still to date I have not been contacted. Also, I am unsure as to why this is still reporting to my credit file due to the age of which the first " late payment '' was in reality verses what they show.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: FinCo Services Inc DBA Current
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 from XXXX - XXXX, there were XXXX attempted atm withdrawals from my account. XXXX were successful. All in the amount of {$84.00}. Totaling {$500.00} The banking company is called Current I immediately cancelled my card and reported that there were fraudulent charges. 
That same night I filed a police report. My roommate had money stolen from his card moments before it happened to me, however his bank blocked it. 
Current does not have customer service via the phone. The police werent able to subpoena Current. 

I sent a copy of the police report to them and explained what happened. They said my dispute could take up to XXXX business days. I frequently checked in there was no update. Finally I called again at the end of XXXX and they said it was denied because the merchant said it wasnt fraud. I have never even been to that part of XXXX. I filed an appeal and checked in multiple times. I was directed to email, they would take days to get back to me, and it seemed like I was just getting floated back and fourth and that no one was taking this seriously. Everytime I contact them Im told theyll escalate it. Im usually so exhausted by the end of it I just say fine. But I have spent over 5+ hours talking to current to resolve this, and I dont think they care. The way theyve handled this is very wrong. It doesnt even feel legal. Im hoping reporting it here can get something done because I cant seem to get them to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car lot to see and car they told me they wouldnt run my credit and they did anyway I would like to see it removed

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 2022-10-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal refuses to close my account. I have already payed my debt with them and I'm clear and free, and they keep saying they will not close my account. I have spoken to many agents including supervisors, and I keep getting a different excuse every time I call. They have openly refused to close my account and Id like to end my relationship with them, they are creepy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
If banks can not loan their capital, where did they get the money that they claimed they loaned me from? Why wasn't i fully disclosed the terms and agreements in the retail installment contracts? And why didn't we come up with a clear UNDERSTANDING DEFINITION OF WHAT " MONEY '' is. DID WELLS FARGO LOAN ME MONEY OR DID MY PROMISSORY CREATE THE MONEY THAT THE BANK DEPOSITED IN MY ACCOUNT AND CLAIMED THEY LOANED ME MONEY AND CHARGED ME INTEREST ON MY OWN CREDITS? I WANT A CLEAR EXPLANATION FROM CEO OR CPA ON HOW DID THEY LOAN ME MONEY, WHERE DID THE MONEY COME FROM, AND HOW DO WE DEFINE " MONEY '' IN OUR AGREEMENT?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In school deferment I was told if I could not afford to make payments while in school I should keep this deferment and if I made payments during school it would not count towards forgiveness as my last loan had not yet been disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan servicer is MyGreatLakes. On XXXX XXXX, 2016, I spoke with a representative who advised me to apply for the repay program for my loans. During this call, he also represented to me that I would receive subsidized interest contributions through this plan. On XXXX XXXX, 2016, I submitted my application for repay. On XXXX XXXX, 2016, I called to follow up on my loan application and was informed that I did not apply for repay, was on a completely different plan, and that the information I was provided on the XXXX was inaccurate, as there is no subsidized interest contribution. When I asked what plan I was on, they were not able to identify the newly assigned plan. I was told I would receive a call back. I did not. On XXXX XXXX, 2016, I telephoned again to check on status. Still no one could identify the plan I was on or how much my monthly payments were to be. On XXXX XXXX, 2016, no one was still able to tell me the amount. As of today 's date, no one can tell me the plan and no one can tell what my next payment schedule will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX {$0.00} 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX, XXXX Account number : XXXX. 

Account XXXX XXXX Account number : XXXX. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account numbers XXXX XXXX ) : ( XXXX ) ( XXXX ) ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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:
I was trying to get my home loan refinanced at the lower credit rates. The loan officer said my credit report shows my home was in forbearance from XXXXl-XX/XX/2020. I was never in forbearance and my payments were automatically coming out of my checking account the XXXX of every month. I never agreed to forbearance and all my payments were made on time. I checked with Bayview Loan which is now Community Loan Servicing and confirmed I never missed a payment. I never signed anything to that effect. 

The problem is that my credit report shows I had a XX/XX/XXXX balance every month and the bills were all paid on time from my checking account. However the " forbearance '' was never used or instituted and it is affecting my credit scores and is hindering my ability to obtain a loan until this is corrected on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Diversified Consultants, Inc.
State: OH
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:
A recent overview of my credit report revealed that Diversified Consultant, is appearing on my credit file. So I sent notice to this company that they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Diversified Consultant is continuing to report negative information on my credit report, even after they have failed to provide validation.

Company response to consumer: Closed with explanation