BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have bought a product in 36 installments with XXXX XXXX who gave me credit through Synchrony Bank. The bank instead charged the amount of {$3900.00} in full. When I called them to ask about on XXXX/XXXX/16 they have told me they will issue a check for {$3800.00} and that it will take up to 3 weeks to arrive. I received letters on the e-mail saying the check was sent on XXXX/XXXX/16. It is XXXX/XXXX/16 and the check never arrived, now they are charging me again for the {$3800.00} amount due on XXXX/XXXX/16. At this point I just want to avoid paying them again since the check never arrived and I already paid the full amount. Please help me this is going to get me in trouble with my credit if I do n't pay them again.

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 2021-01-05
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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2016-10-15
Company: MB FINANCIAL, INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX complaints against MB Financial Bank : 1. Despite the correct trial debit and credit transactions designed to establish ownership and permission which have been processed at MBFB from both XXXX XXXX Bank and the University XXXX XXXX, XXXX has failed to process the subsequent transfer requests made by me from those XXXX banks for funds residing in my account at MBFB. This has caused bills to be missed. They have failed to provide the contracted services and caused me financial harm wrt late fees and penalties which resulted from their failure to transfer the requested funds. 

2. Despite assurances on at least three occasions that my new MBFB ATM card would function exactly as did my XXXX XXXX XXXX ATM did prior to the bank being acquired by MBFB, it does not. MBFB fraudulently claims that there is no service fee to use their new ATM card at overseas locations. This is a lie. They do not indicate any fee, but they do not provide the current bank exchange rate when withdrawing money in local currency from overseas ATM 's. The acquired bank ATM card provided the actual current bank rate of exchange for all ATM transactions overseas for over 20 years. MBFB practices amount to a fee for such transactions. For the XXXX transactions I have made in XXXX, XXXX XXXX, and XXXX, this has amounted to a transaction fee of between XXXX and XXXX %. They are lying about this fee, stating that they do not charge one. It is fraudulent because they hide the fee in the exchange rate used for the transaction. 

These practices remind one of the type of moral XXXX prevalent at XXXX XXXX. Please take action to correct this criminal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had submitted this information a couple of months ago. These are not my debts, nor do I have a contract with any of them. Please refrain from these companies reporting to my credit report as it's hindering me from attaining a house loan. Again, these are not my accounts so please remove them.

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 2015-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was paid off at Select Portfolio Services , Inc. on XX/XX/2021, and I am still receiving statements indicating that a payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: SUNTRUST BANKS, INC.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened my accoun t with SUNTRUST ba nk in  XXXX  virginia  XXXX  of  XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on  XXXX  and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well  XXXX   XXXX  of  XXXX  they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $  XXXX  monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.

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 2016-02-29
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise

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 2015-06-03
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB, Citibank assisted me with paying my property taxes and homeowners insurance because I was unemployed for nearly 2 years. I pursued a XXXX license to develop new skills and was hired by XXXX XXXX XXXX, in XX/XX/XXXX. Since, I have been struggling with Citibank to straighten my mortgage account balance due. 
In XX/XX/XXXX, I took over paying my OWN homeowners insurance and property taxes because Citibank 's Escrow charges were escalating at an exorbitant rate. They are charging me {$28000.00} in arrears. Citibank added their own homeowners insurance and paid approximately {$4500.00} XXXX year and a second time {$4700.00}, WITHOUT MY CONSENT, At that time, I tried doing a Modification so that I could catch-up. Citibank refused. 

Recently, I also tried to lower my interest payment to see if there was a way that I could make progress towards paying my mortgage and account in arrears. However, all Citibank offered was to refinance my mortgage to a 20 year, but I said no because I should be finished paying off my mortgage balance in less than 3 years. 
What I find I find interesting, is that I did not receive statements from XXXX County indicating how much Citibank paid and NOW CITI is charging me {$28000.00}. 
Needless, to say, I am in the dark and do not trust any of the charges that appear on my statements. 

PLEASE HELP!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
Company: MoneyLion 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 status incorrect

Complaint:
Money lion never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Carmen V. Porreca, P.C.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
When contacted by Carmen V. Porreca P.C. on XXXX XXXX, 2016, my husband who is an authorized third party was advised not to send in a letter disputing the charges when he stated I wanted to dispute it. He was advised if we wanted to dispute the charges we should allow for the charges to go to court and wait to be served by a sheriff. I never received any notice or anything advising I have the right to dispute the debt. 
When contacted by XXXX from Carmen V. Porreca P.C. on XXXX XXXX, 2016 I told her that I had received letters from law firms advising my check was to be garnished to due this debt. She told me that it was not true and that it 's just what they do as they are like ambulance chasers. She said I am worrying for nothing. As the call progressed she refused to let me speak to a supervisor and when asked if calls are recorded she stated '' Yes and they will see how mean you are ''. When I still pressed for her supervisor she hung up. I called back and she answered. After continuing to ask for her supervisor 's information she finally gave the name of XXXX XXXX and advised she was not sure when she would came in but she would call me when she does. No call was ever received. I told her I would like the bills and I will try to look into them with an attorney she advised it would not matter it wo n't stop them from collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
Around XXXX of 2015, Citi Bank advertised a signing bonus of XXXX Thank You points. To receive such signing bonus, according to the linking page which I took a photo, no spending is required. I applied during the promotional period using the application link provided by Citi website and was approved. However, despite repeated inquiries, Citi has yet to post the signing bonus to my 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 non-monetary relief
Consumer complaint received 2020-03-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Reportining Act : XXXX XXXX XXXX account # XXXX {$980.00}, XXXX XXXX  Account # XXXX {$1900.00}, XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX  Acount # XXXX Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2015-10-27
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Navient has been calling me multiple times a day about my Personal Loans. I am behind on payments. They have also been calling my in-laws and leaving messages on their machine about my debt and that I need to call to get it settled. Their number is not on my account, only my c ell phone number is. I also do not have any cosigners on my loans. There is no reason for them to be calling my in-laws to get in touch with me or to discuss my debt. That is my personal business that I did not want to share with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: LA
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've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation lastXX/XX/2021, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Harley Davidson Financial Services 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 States I have the right to privacy. 15USC1681 section 604a section 2 also states that consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666b A creditor may not treat a payment on a credit card account under an open consumer credit as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CAPITAL ONE BANK. I had previously disputed this account. I have never done business with CAPITAL ONE BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CAPITAL ONE BANK Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ONE BANK Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Our XXXX XXXX was stolen this year from out home. Our insurance company XXXX paid out all but {$2600.00} of the remaining balance on the note held by Capitol One Auto Finance. 

Capitol on sent us correspondence stating that the balance would need to be paid by XXXX XXXX in XXXX. We arranged a monthly debit of XXXX to pay down the balance and to pay the remaining balance due by the end of XXXX XXXX. Capitol one would not put this agreement in writing. To date, we have asked them if we can extend the payments through XXXX and pay the remaining balance by XXXX XXXX XXXX. They tell us there is nothing they can do. And they will charge off the account by XXXX XXXX if we do n't pay in full. They also deleted all account information on their website. We fully intend to pay the balance in full but need some extra time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Other

Complaint:
CAPITAL ONE BANK USA XXXX, reported to the XXXX major credit bureaus that I was 30 days late from XXXX XXXX through XXXX XXXX and also XXXX of XXXX. I have had the account on automatic payments for more than the required amount due every two weeks and have since the beginning of this credit card. I have contacted them on numerous accounts to resolve this discrepancy of which none have yielded valid action to rectify their major reporting deficiencies.

Company response to consumer: Closed with non-monetary relief