BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: AXOS FINANCIAL, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a joint checking account with AXOS bank with my husband on XX/XX/XXXX and transferred all of the gift money from our wedding, along with setting up direct deposit. On XX/XX/XXXX I received a notification that a XXXX payment of {$2500.00} was sent to someone named XXXX XXXX. I do not know this person and never sent this payment. I had such a hard time trying to get ahold of a real person to help shut down this payment. The robo chat feature goes in loops and doesn't connect you to a real person when you ask it to. Eventually I got ahold of someone and they helped me stop the payment but they also put a restriction on my account without telling me. They also could not tell me how this happened, if I was hacked, or how to prevent this in the future. I could not transfer any money from my account and there was no follow-up from anyone why this happened or how to unrestrict it. Days past and I finally was able to get someone on the phone and they made me set up another checking account in order to move the money. Even with the new checking account I couldn't transfer money in my online account. I tried calling, I tried the chat, I tried their secure message system, and no one got back to me with any solution. They finally unlocked my account but the dashboard and the transfer move money option would not load. I sent them screenshots of errors, tried multiple browsers, and cleared my cache. Nothing worked and they kept denying that there was any problem. I finally got someone on the phone today on XX/XX/XXXX to escalate my message to send me a cashier 's check and close the account. Why was this not done in the first place? They have over {$11000.00} of my money locked up without any plan to give me access to it. There was no follow-up with anyone at the bank and they felt no urgency getting this resolved, which was no fault of my own. AXOS bank has basically stolen my money without any access to it for WEEKS. Their customer service is basically non-existent and they have no communication within the company itself. Also, they have no security, because how was this XXXX payment initiated in the first place? They need to figure out their workflows for dealing with hacked accounts, create actual customer service, and have better security. This experience was so horrible that I would never use them again, and honestly they should be shut down because they should not be trusted with anyone 's money given how poorly they handled this situation. Does anyone actually work here? It seems like it's just automated and the system is completely broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I stopped payment on a check that I did not present XXXX. The drivers license number or birth date or signature are not mine on the check. Have contacted Trident Asset Management numerous times they are very rude and wo n't listen to me. They reported this stop payment check XXXX and the refuse to delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : Notice to Cease and Desist To Whom it May Concern : While checking my credit report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your company formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this communication, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 


If you do not cease communication a lawsuit will be commenced 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 explanation
Consumer complaint received 2016-05-20
Company: U.S. BANCORP
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
to help clear this matter I am prepared to offer XXXX % of the total O/S balances. In exchange for re-inserting auto loan, credit card accounts and remove the consumer loan from all credit reporting. I AM SEEKING REFNDS FRON XXXX XXXX AND XXXX XXXX DIRECTLY. THOSE ARE FRAUDULENT IN NATURE AND ALSO HAVE Please send me agreements.

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 2015-07-17
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am trying to refinance my mortgage with the same bank that already has my mortgage, CitiMortgage. I also have a HELOC with XXXX. CitiMortgage wants me to supply a copy of the " NOTE '' for the XXXX HELOC. I contacted XXXX for a copy of the " NOTE ''. They supplied me with a copy of the notarized signed HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT and said that is the NOTE. CitiMortgage is telling me that it 's not and I have to get XXXX to send me the NOTE or a certified letter stating they do not have a NOTE. I spent XXXX hours this afternoon getting the same answers and no resolution. My complaint is why is XXXX banks documents not official enough for another bank? And why is it okay for CitiMortgage and XXXX to require different documents for the same house that when it was purchased and financed 8 years ago by both Banks this said document was just fine? I do n't know where to go from here. I ca n't get the document that CitiMortgage says I need from XXXX. As far as I know or can remember I never received or signed anything other than HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT from XXXX. Can someone tell me and both banks what is really needed here? I have n't defaulted on my loan, I 'm not asking the bank to reduce my principle, I just want a better interest rate so that my payment wo n't be so high and I should n't be put through all this nonsense. Bank loan documents whether conventional loan or Home Equity Loan should be standard. It 's your house/home that 's the collateral. And why are there all these closing costs when your financing with the same bank, they already have the title insurance, they already have the deed of trust, they already have the original appraisal and now the current appraisal

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter.

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 2017-01-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
we have a home loan mortgage from CitiMortgage since XXXX we never missed any payment. last XXXX XX/XX/XXXX CitiMortgage said somebody made a stop payment for the check we sent. nobody made a stop payment. went to XXXX XXXX XXXX and clarified and no record for stoppage and check was cash by CitiMortgage and no return check. we tried to dispute and called CitiMortgage customer service so many times but na avail. while on dispute for 4 months late charges were added and we decided to send another check payment for that XXXX plus the late charges. now we are trying to get out of CitiMortgage and refinance to other and ca n't do it because our credit report showing we missed paying our monthly morgage and our credit report is no good/messed up. would like to clear our records resolved. thanks.

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 2021-06-18
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that Honda Financial Services is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with Honda Financial Services due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?

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 2015-06-26
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had XXXX late payment so Citi card lowered my limit. The late payment could not be avoided. I am told that this is an illegal act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Sequence of activities happened between XXXX/XXXX/2016 and XXXX/XXXX/2016 1. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 2. XXXX/XXXX/2016 - Deposited {$500.00} in Chase bank ATM XXXX. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 4. XXXX/XXXX/2016 - Withdrawn {$100.00} from XXXX XXXX XXXX ATM 5. XXXX/XXXX/2016 - Withdrawn {$4000.00} from XXXX XXXX XXXX teller counter which is located in XXXX around XXXX or XXXX. 
6. Walked one block 7. XXXX/XXXX/2016 - Deposited {$4100.00} in Chase ATM which is located at XXXX, NY around XXXX 8. Got technical error around XXXX. 
9. Immediately Contacted branch officer around XXXX 10. Claim was created. 
11. On XXXX/XXXX/2016 around XXXX - No money found message from Chase bank 12. On XXXX/XXXX/2016 around XXXX - Contacted chase claims department 13. After sometime there is an error found {$3600.00} and {$500.00} missing. Requested to do second round of research 14. On XXXX/XXXX/2016 - Money not found, Research was done no further investigation will be done. 

Finally I lost {$500.00} money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: MS
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:
These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: MS
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2016-08-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX I received a notice in the mail stating that I would be able to earn up to XXXX XXXX XXXX XXXX by opening up a Citigold account. That month after I opened the account I sent them an e-mail that confirmed that they had applied the promotion to the account and they were waiting for me to fulfill the requirements. In XXXX XXXX I sent an e-mail to get an update on the promotion. Citibank stated that my requirements were completed and that I should wait until XXXX to see the points applied to my account. As of today I have n't seen any points and citibank refuses to respond to me.

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 2016-01-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Applied Data Finance, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022 I received a collection call from Personify advising I am past due on my payment due XX/XX/2022. I made my XX/XX/2022 on XX/XX/2022. I have asked the company numerous times what warrants them the ability to make collection calls on a timely made payment, they could not advise it. I told them I have already made a complaint the attorney generals office on a prior collection call on a timely made payment and wanted to know what law allows them to start the collections process on a timely made payment, I was told they don't have that information. 

All I have been told is that if I make a timely payment 5 days or greater before my due date, it supposedly is considered an additional payment for the prior month. I was told if I want to make a payment 5 days or greater before my due date, I would need to call to reapply it to the loan. This is an unacceptable business practice, and it's against the law to start collection calls on a timely paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I purchased a generator on XXXX for {$250.00} on XX/XX/2022 and paid through PayPal. 
The package was delivered on XXXX, XXXX. The problem is it wasn't delivered to my address. I contacted the seller right away and they agreed it was shipped to the wrong address and last name, but the same city. Street address doesn't appear on the tracking information. 
They promised to solve the problem with XXXX, to ship another generator, but didn't do any of that. 
Another thing is weight of the package, according to XXXX, is XXXXXXXX XXXX. Ordered generator is XXXXXXXX XXXX. 
I have opened a dispute on PayPal, but it was closed immediately after they contacted XXXX, because the package is marked as delivered. Their online representative didn't help at all. I can not appeal. 
However, I don't receive anything. Contacted XXXX online and their representative confirmed that the package was shipped to the completely different address. 
Screen shots of the chat with XXXX agents, reply from the shipper and tracking information with weight of the package and the wrong last name are attached. 

Thank you.

Company response to consumer: Closed with monetary relief