BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to contact Conn 's Credit Corp. to dispute the validity of an account. On XX/XX/2021, I submitted my initial letter to the address listed on my credit report to validate the debt of {$4400.00} and the letter was returned. On XX/XX/2021, I submitted another letter to an address that I was able to locate online and it was also returned to me to validate this debt. I have not been able to successfully reach them at the contact information that is provided on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: ClearOne Advantage, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX I entered into a program with ( COA ) CLEAR ONE ADVANTAGE to pay off a creditor ( XXXX ) XXXX XXXX XXXX XXXX. Clear one made a settle agreement with XXXX in the amount of {$5700.00} with fees included of {$3400.00} for a total of {$9100.00}. I have been paying {$250.00} per month from XXXX to today which comes to {$4400.00} paid to date. Once I learned that Clear One was only paying the creditor {$10.00} per month I started asking questions, " How much has XXXX been paid and how much was COA was paid in fees ''. I logged into my account but was unable to find much information. I did find a vague Activity Statement but it did not explain what was going on. I sent emails and made many phone calls also. On XXXX I canceled the program with COA and made a direct payment arrangement with XXXX. According to COA I owe them another {$500.00} in addition to the {$4200.00} already paid. When the fee going to COA was only {$3400.00}. My balance with XXXX still remains, COA took all of the fees up front. I do not agree with how COA does Business I have been cheated. All or most of that money could have been paid to XXXX. I am a XXXX XXXX Veteran on a fixed income, I can't afford to be ripped off.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
Company: A.R.M. Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX to receive propane in XXXX of XXXX. I never received any propane and therefore had my credit card company dispute the claim. After several months of back and forth the company agreed that we have an account balance of {$0.00} and sent an email dated XX/XX/XXXX reflecting this. We received a letter dated XX/XX/XXXX from ARM solutions trying to collect this debt. I have attempted to communicate with both companies to resolve this but can not reach anyone who wants to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received numerous call from this company called XXXX XXXX XXXX. They call me multiple times a day from different numbers while I 'm at work. I 've explained to them on more than one occasion that since I work in a XXXX that I can not except calls during the day, which they continue to ignore. They are often times rude during the few call that I have taken. They also for several months now have threatened to take me to court and claim to also be in the process of verifying my place of employment. I have searched this company online and have found that they have been involved in numerous scams. I am not sure what else to do or if this company is legit.

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 2021-04-24
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I signed up for Gemini on XX/XX/XXXX and it is now XX/XX/XXXX and I've deposited over {$1000.00} so far and I'm still not verified on my account and my account is still restricted. After uploading my ID and waiting almost 2 weeks, on XX/XX/XXXX Gemini said they need me to reupload the images. It is now XX/XX/XXXX and I have not heard from a single rep despite numerous email attempts and attempts to contact Gemini support on twitter. I've also tried calling Gemini 's phone number, but it's only an answering machine saying to e-mail them, which they don't reply to. It is frustrating for a financial service to have such slow customer service with 0 communication for weeks when time is of the essence for the investments of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
This is a second complaint to follow up on my previous complaint against the Bloomingdale 's card. Bloomingdale 's improperly credited a returned item by sending gift cards instead of crediting the credit card account - notwithstanding the fact that Bloomingdale 's card had agreed to credit the account prior to the return being made. Subsequently, Bloomingdale 's promised on numerous occasions over more than 10 hours of phone calls from me to them, to fix this error, but never did and instead ended up reporting me to the credit agencies. After a complaint to the CFPB, Bloomingdale 's finally fixed this issue ( thank you CFPB! ). However, I have now received a new invoice from Bloomingdale 's showing finance charges due related to this issue. I had not charged anything else on the Bloomingdale 's card, so there could be no other source of this finance charge.

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 2017-03-02
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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'M HAVING ISSUES GETTING MY DISPUTE PROCESSED

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 2016-09-22
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
In XXXX XXXX, my mother and I closed on a refinance on her property. Since then a lot has changed. The mortgage was sold to TruHome without any notification to either mother or myself. There was also a Hardship Application we could file in case of hard times. Now TruHome is refusing to follow through with the Hardship and wanting to scam or steal the property my mother has lived in for over 50 years. They say I now do n't have anything to do with it and my loss of employment will not count on the Hardship Application. The person I talked to on XXXX XXXX, XXXX stated they just received the Hardship Application when I have proof in print that the paperwork was received by that same office on or before XXXX XXXX, XXXX. It is clear that they are lying and are clearing trying to take the property for no reason but for their own profit with no regard to the XXXX XXXX XXXX woman in not good health on the street.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Transferwise closed my account in XX/XX/XXXX without giving a reason and has not returned my money. I appealed their decision and the appeal was denied. There is approximately XXXX and approximately XXXX in the account and they said that this would be returned within 60 days. It has not. 

I contacted them in XXXX, XXXX, well after the 60 day period had elapsed, and was told that the return of the funds had been delayed 'indefintiely '. 

As of XX/XX/XXXX I still have not received the money. 

I have attached a previous account statement to provide you with details necessary to identify me and the account. Please note the currency amounts listed are not current. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Consumer Financial Services
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:
I am co signer for my husbands auto loan. Already paid off that loan 2 years ago. But showing open status on XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Rewards

Complaint:
Hi. I 'm a young guy and have XXXX credit cards, using them responsibly to build a good credit history. I have never missed a payment, and always pay in full. But, I 've since realized that one company, CitiBank, has been manipulating my balance by not applying cash rewards through statement credit as a valid payment. For example, if my statement is {$100.00} dollars, and I pay {$90.00} through a payment and {$10.00} from a statement credit cash back reward, they do NOT count my statement as paid in full. That means at the end of the month I get charged interest on the entire {$100.00} because they chose not apply the statement credit as a legitimate payment. There is nothing that clearly states this when using the statement credit ; the terminology and wording is abstract and not specific. Besides this being a practice that should be outlawed anyway - as it 's clearly an attempt to squeeze interest charges out of card-holders.

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 2021-04-23
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Credit Management is reporting a debt that is not mine. I recently checked my credit file and noticed this debt reporting on there. It looks like they are trying to collect for XXXX? I have never had an account with XXXX for as long as I've been alive. This account must be fraudulent and I have filed a police report for this account. I ask that during this investigation period Midland Credit remove all negative reporting from my credit file and such deletion letter will be provided to me. Reporting unvalidated debt on credit could constitute fraud under both federal and state laws so I ask that Midland Credit remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
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:
Hello, and i am a victim of inacurate and false information reporting by credit bureaus. I have submitted claims many times with all attached documentarion regarding the claim and everything thats neccesary to resolve it including police report. Credit bureau did not help me and many times even ignored my claims. Please 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 2016-04-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I was trying to wire money from Wells Fargo Bank ( WFB ) in XXXX, Arizona USA to XXXX XXXX , XXXX XXXX . It finally got there after three weeks plus. A similar wire from another Arizona Bank to XXXX had taken a couple days. 
The confusion and incompetence at WFB were unacceptable causing XXXX and loss of money.

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 2017-03-09
Company: Rosebud Economic Development Corporation
State: CT
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Zoca Loans is not licensed to do business in CT. Per CT statue Conn. Gen. Stat. 36a-563 et seq.Usury act applies or small loan act applies. The can only charge 30.03 % interest. {$11.00} per {$100.00} up to {$1800.00}. They are charging $ 769.35 % interest.

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 2021-04-23
Company: Supreme Lending
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This lender has checked our credit score on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. OnXX/XX/XXXX he told us that he was going to call us back in order to start the housing process. He never called us and ghosted us. I have been asking for my credit report and he has not responded back. He was very unprofessional and has not taken the chance to write back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, Citizens One Home Loans closed my home equity line of credit for further use. In XXXX I paid off this line of credit. Their Lien Release Department never released the lien from my title. I am in the process of refinancing my mortgage and ca n't do so until the Certificate of Satisfaction is filed. This was requested XXXX XXXX, XXXX. On XXXX XXXX, I was told they were in the process of preparing the certificate. on XXXX XXXX, XXXX, I was told it was not done. How do I get them to clear my title? I have requested a Pay Off Statement, but since I do not owe any money, they will not do this. I can not close on my refinance until either the Certificate is file, my title is cleared, or I receive a XXXX payoff letter. Every day I call an am told someone will call me back but no one ever does. I understand it can take months for the jurisdiction to record the document, however, I ca n't get Citizens One to even file the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please help me. We a paid ahead on payments. When we just paid a regular payment once a month they were charging me around {$890.00} in interest. My interest rate is 3.375 % Since I started paying an extra payment they are now charging me twice for my interest. XXXX they charged me {$1600.00}. I need help. They should be applying my extra payments to the principal not penalizing me with double interest if I am paying early. This is a conventional loan. See my attachments. We were with XXXX XXXX for years and never had a single issue, SPS took over our Servicing in XXXX and they are horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Global Lending Services LLC
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I bought a new car XXXX 2013 From a car dealership out of the state, I live in XXXX bought the car in XXXX. 
I was told that the total amount of the car was a little over XXXX .I asked if that included The high interest rate and she said yes. 
I asked why were the payments so high XXXX monthly, She said I could pay it off in 3yrs. I agreed and never looked at the contract until 2 months ago only because I thought I would double up on the payments so I would pay off the car before XXXX. I called the bank and they told me that the car which sticker price Brand new is about XXXX, I was paying XXXX. That was not explained to me. I would have never paid that much for a 2013 Hyundai Sonata. Have paid over XXXX For this car. I ca n't pay another XXXX. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
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:
The XXXX account XXXX is inaccurately reporting on my credit report. XXXX and Equifax keep saying they have verified the information but I have evidence from XXXX saying otherwise. This inaccurate account needs to be removed immediately from my credit report or I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I got a receipt today at TCF Bank which was very, very deceptive.The available balance included my overdraft protection account, BUT NO WHERE ON THE RECEIPT DOES IT STATE THAT THIS BALANCE INCLUDES THAT ACCOUNT.It is so easy to see they are trying to rip people off, as they will mistakenly believe more money is available than they actually have, and will overspend and get charged fees and a high interest rate on money they think is theirs.Anyone who has already overspent because of this egregious deception should be reimbursed immediately!!! ( the XXXX and XXXX will surely be most victimized ) TCF Bank should be ashamed of their unlawful business practices and I hope a lawsuit is on the way.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: States Recovery Systems, Inc.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am being asked to pay over {$900.00} dollars in interest to a debt collector in XXXX, CA for a credit amount of {$1000.00} attached to a closed checking account ( XX/XX/XXXX ) with XXXX XXXX Bank in XXXX XXXX, CA. The debt was charged off around XX/XX/XXXX. I do not have a credit agreement to see if the collection company can legally continue to charge interest. Further, I have not received monthly statement from the collection company indicating accrued interest and penalties. I understand there is the statute of 4 years in California. We are now in XX/XX/XXXX which if five years since the amount was charged off. I am not certain the collection agent has the legal right to charge accrued interest and further can still pursue collection. The credit reporting agency shows an amount of {$1000.00}. I want to know my legal writes as it pertains to the bank charge off and accrued interest demanded of collector and California statute of limitation on the claim. Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation