BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After Costco/Citi closed my account, they sent a letter ( attached - XXXX inquiry ) asserting that there was still a balance owed of {$1900.00}. In fact, the balance was already paid in full and there was a credit balance of {$63.00} ( attached - XXXX your weekly balance alert ). 

XXXX knowingly misstated the balance of my account and claimed that the online account was inaccessible. In fact, the account is still there and generating automated notices that contradict XXXX 's letters to the CFPB and me. 

I want XXXX to send me a cashier 's check for the full credit balance on my account within 24 hours, and submit a written apology to both the CFPB and me for their conduct.

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 2016-10-06
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Section One : FALSE OVERDUE NOTICES I am making a request for your office to determine why I am receiving letters stating that my mortgage payment is overdue and I am now being charged a late fee? 
Attached is an affidavit from my bank showing that all my payments from the past have been received and posted prior to the XXXX of the month since XXXX XXXX. 
2. Please find out what are my monthly payments? I have been sent a notice of {$950.00}, {$660.00}, and now {$740.00}. I would like to see the math on all of the above figures. How did my loan go from {$790.00} to {$950.00}? I would like to see the math. 
After a refinance in XXXX of XXXX, I have been making payments of XXXX. This is an FHA loan and includes principle, interests and hazard insurance. I have a 100 % tax abatement given to me by XXXX Country for persons who are XXXX and over and beneath a certain income since XXXX. 
3. I have also been sent a statement for late payments for the previous month for {$1500.00}. How was this tabulated? 



Section Two : ESCROW ACCOUNT/UNAPPLIED FUNDS 1. I finally found out last month there was some type of unapplied funds of XXXX. Why are these in an unapplied fund bucket? Where did the {$220.00} go of the XXXX? I have never made a partial payment. What check number was this? Please ask them to provide the check number ( see bank report for check numbers and payment ). I have never paid a partial payment. Please ask them to provide the check number and why money is missing.

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 2020-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hi, I received the Bill of Credit card of Bank Of America On XX/XX/XXXX, I have attached a copy of that email. I went to the brach of the bank of America on XX/XX/XXXX to pay off the total due, where according to statement and email my due date was XX/XX/XXXX, but at the branch, banker told me that account has been closed so they can not pullup information for my account and suggest me to call customer care so I called customer care to know the total due amount, customer care representative told the same amount which was in the earlier email, I asked him to tell the total amount including interest, fees, balance, and any other charges so representative told me final amount was {$6300.00} I asked representative again " will I receive any statement after doing this payment or do I have to pay anything other than the amount of {$6300.00}? '' Then the representative said after doing this payment you will not get any bill or statement because this is the final due amount and don't worry you don't have to pay anything after this payment. So, I paid the total due amount {$6300.00} on XX/XX/XXXX and after that, I received 1 more statement on XX/XX/XXXX with due of {$34.00} ( see attached file ). 

After receiving this email I get XXXX XXXX and I called customer care on XX/XX/XXXX where I spoke with supervisor name XXXX and I explained and asked her why I get charged again & for what? so she accepts the mistake of the previous representative with whom I spoke on XXXX of XXXX, XXXX while doing payment, and after accepting mistake she registered complaint and gave me this tracking number XXXX but she told that I will not get reversal of charges due to bank policy. 

so that is the reason why I am writing this complaint here.

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 2020-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One bank is report an incorrect balance on my credit report that has cost my credit score to drop below good to fair. The amount being reported was declined by Capital One due to my credit limit of XXXX dollars.

I have attached document from Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Company reported debt in collections as paid and requested removal in XXXX XXXX, 2016. Transition is on reporting agency not updated correctly

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 2020-01-11
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX- I tried to pay my XX/XX/XXXX payment using the online services on NewRez website. When I selected the XX/XX/XXXX payment and the computer must have autoselected the XX/XX/XXXX payment, so when the payment went through, it was for two payments {$2100.00}. I only had enough money in my account for one payment. I called NewRez when it opened and was told by one of the representatives that the transaction would be cancelled and I could possibly resubmit the payment by the end of that day. That did not occur. 

XX/XX/XXXX I received a credit of one payment to my account XX/XX/XXXX I called and spoke with a NewRez representative " XXXX. '' I told him that money was deposited into my account and that I was unable to pay my mortgage using the website. XXXX advised me to leave the money in my account over the weekend and that NewRez would recognize their mistake and take the money back out of my account. 

On XX/XX/XXXX I called NewRez and was transferred to the XXXX XXXX side of the company. I spoke with XXXX XXXX who told me that I owed {$5100.00}. I was transferred ( escalated ) to XXXX XXXX who said he would return my phone call after he investigated my claims. 
On XX/XX/XXXX I spoke with XXXX XXXX by phone ( XXXX ), who called me to tell me that I was behind three months because I had a NSF on XX/XX/XXXX. I asked XXXX XXXX why my XX/XX/XXXX payment was not credited to my account and why did I receive a payment credit to my account from NewRez. He did not have an answer. He said he would escalate my account and that someone would get back with me. I asked him why I could not pay my mortgage online and he said that there wasn't any restrictions. 
I attempted to pay my mortgage online XX/XX/XXXX and was unsuccessful. I received a message that stated that my account was more than 3 months overdue for payments. 

XX/XX/XXXX sent a paper check to the payment address in XXXX. When I returned home, I received certified mail that stated the correspondence was " Notice of Default and Intent to Accelerate ''. The letter states that I owe a sum of {$5100.00}. This sum includes late fees from another lender that were in dispute, because just like this lender, the past lender accused me of not making payments when I did. The previous lender also tried to charge me for attorney fees when it was determined by CFPB that I was correct. The letter states I have 45 days to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
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 noticed this account on my credit report that does not belong to me XXXX XXXX XXXX XXXX  ... XXXX... XX/XX/2012...

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 noticed this account on my credit report that does not belong to me XXXX XXXX XXXX XXXX  ... XXXX... XX/XX/2012...

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 2020-01-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I and my aide came to Santander Bank in to purchase tttle explahree bank checks for my landlord XXXX XXXX. XXXX XXXX later told me three bank checks bounced and tried to evict me on XX/XX/XXXX. I went back to Santander Bank in XXXX trying to talk to manager XXXX XXXX why she canceled three bank checks, XXXX simply kicked me out without any reason. I and my aide then went to XXXX XXXX  XXXX XXXX branches seeking answer and help. 

Santander Bank employees at XXXX XXXX XXXX XXXX branches tried very hard to help me by contacting back office in vain. By the ways employees at XXXX XXXX XXXX XXXX branches asked me questions and conversations with back office I could sense that the manager XXXX XXXX absolutely provided back office with false information about me and my aide in order to give me hardship on purpose. Employees at XXXX XXXX  XXXX XXXX apologized to me and my aide over and over that they could not provide us with further assistance by XXXX XXXX 's directive. 

I assumed that XXXX XXXX told back office many people were involved and I was some kind of fraud victim such and such. My aide was in tears in front of Santander Bank employees and said to them that no one deserved this kind of treatment from XXXX XXXX because I was in wheel chair with XXXX XXXX. Legal action is next if something bad happens 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 explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX. I got credit report on XX/XX/2022, I saw a credit card account, ending with XXXX. 
XXXX. First called to KOHLS Fraud Admin on XX/XX/XXXX, KOHLS opened a case, later on, consider " Not fraud ''. 
XXXX. About XXXX, case reopened, later on consider " Not fraud '' again. 
XXXX on XX/XX/XXXX, I called, KOHLS said " Pay to delete '', then I paid. 
XXXX but on XX/XX/XXXX, new account created. 
XXXX on XX/XX/XXXX, this new account paid off. 

the problem is, the original account, is still stay in credit report, a negative mark. 

XXXX on XX/XX/XXXX, account balance increase to {$290.00}. I do not know which account. 

So KOHLS use my personal information, create new account, increase balance, at any time. 

XXXX. By requested, I received a statement on XXXX XXXX the address on statement is not my own. 

I called KOHLS, declared the address is not my own at very beginning. why KOHLS considered " Not fraud '', again and again, and now, KOHLS doing many messy stuffs by using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: DISCOVER BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Im a XXXX and offer XXXX. I was contacted by someone seeking XXXX  and come to find out it was a scam. They sent me a check which I cashed through my bank : Discover Bank. The check was returned 3 days later but with no explanation other than contact sender. I explained to the bank that I believed the check was valid because it was cashed and my bank said the funds would be available early, that same day of XX/XX/XXXX. There was no fraudulent warning when I deposited the check. I contacted the fraud department but they were unwilling to give me back the {$1500.00} that were sent out from the funds of that check because they said I willfully deposited and sent out the money. The person that sent me the check does not answer my texts or calls and they have a XXXX number. I filed a fraud claim with h to he FTC. I hope you can help please. Im a XXXX and on a single income for my family. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I tried to set up bi-weekly mortgage payments in an attempt to make an extra mortgage payment per year. The mortgage company is denying me this option unless I pay a full mortgage payment up front. Please see response below : PennyMac offers a bi-weekly payment service, where the equivalent of 13 payments are made within a 12 month period and to be eligible for this program, you must be paid one month ahead. You can also achieve the same result of having 13 payments applied to your account annually by having automatic monthly payments drafted as opposed to bi-weekly payments and having 1/12th of your monthly payment drafted as a principal curtailment. If you still wish to enroll in the bi-weekly program, please contact our Customer Service Department at ( XXXX ) XXXX for enrollment. '' But the odd thing is they say I can do it using my bank 's bill pay. I am unsure on why they are ok with me doing it on my bank 's site but they do not allow you to set up bi-weekly payments i.e if I pay XXXX 's payment on XX/XX/15 and XXXX I'm actually ahead by half a payment aren't I?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX XXXX XXXX on XX/XX/2021. However, I received XXXX XXXX XXXX XXXX. After multiple emails to the merchant I was offered the following options : XX/XX/XXXX : Merchant Requested that I send photos of what was received along with a picture of the tracking number to show the correct package was being reference. 

XX/XX/XXXX : Merchant offered to refund {$15.00} to keep the order as is. I declined the offer. 

XX/XX/XXXX : Merchant offered {$35.00} to keep order. I declined the offer. 

XX/XX/XXXX : Merchant offered {$50.00} to keep order. I declined the offer. 

XX/XX/XXXX : Management would authorize {$65.00} to keep the order. I declined the offer. 

XX/XX/XXXX : Offered {$86.00} for items but not {$12.00} for shipping. The original offered free shipping if 2 or more XXXX  were purchased. I order XXXX and declined the offer as I do not need any XXXX 

XX/XX/XXXX : Merchant was to apply for a full refund and advised to wait another 5-7 days. No refund was issued. 

I contacted the credit card company, disputed the charge and was issued a temporary refund on XX/XX/XXXX. The credit card company sent me a letter with a notice from the merchant showing the package was delivered. I acknowledged the receipt of the package ; but, as the previous photos showed the wrong items were in package. I was rebilled by the credit card company and I immediately opened a dispute on the rebill. The information was forwarded to the credit card company on XX/XX/XXXX via XXXX  and XXXX Mail. Both sets of documents were received. 

In the meantime, I place a second order for a XXXX XXXX XXXX for {$96.00} on XX/XX/XXXX. The XXXX never arrived and I disputed that charge. The credit was issued on XXXX but the credit was applied to the disputed amount of {$99.00} and not put back on my credit card as expected. The bank has refused to put the {$99.00} in a disputed status and I now owe {$3.00} due to the differences in the amount charged. I requested to speak with a supervisor multiple times but XXXX ( operator id XXXX ) refused to get a supervisor and said I would have to wait for up to 2 billing cycles for the issue to be investigated. This is unacceptable as I was told at the time of the dispute, I would not have to make a payment for the rebilled {$99.00} until the issue was investigated. Instead of getting my {$96.00} credit to my account it was applied to the open dispute. 

see the attached emails and pics attached showing what was received. You can see the tracking number associated with my XXXX order.

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 2017-07-19
Company: EQUIFAX, INC.
State: TX
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:
Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXXXXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We received fradulant purchases from Macys Credit card, the purchase was made XX/XX/2019 and as soon as we received the statement in XX/XX/XXXX due XX/XX/2019 we called and registered the fraudalant claim of 2 vaccumms totaling XXXX. Our account number was stolen and we had just activated the card. It would of been the first purchase. We then contacted our XXXX XXXX company and then all credit bureaus and they immediately flagged our accounts. They will be flagged for a year which means it will be difficult to open any new accounts. Also we had not had any credit purchases with a Macys card in several years. 
When they sent us a new card we made a decision not to activate. XX/XX/XXXX which was received today XX/XX/XXXX that we will be responsible for all purchases. The letter states we received benefit from the charges made in this account, the facts of the investigation did not support your claim. We are law abiding citizens and we did not make these charges. What are our rights and how can we Prove we did not make these purchases. Sincerely, XXXX and XXXX 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 2016-12-02
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX entered a payment arrangement with me, in which they were to deduct my payments. I signed and returned the information. XXXX was going through a merger at the time with XXXX. The account was not even 30 days deliquent when I set up the auto pays, next thing I know, they marked the account 120 days past due, and charged off. I am upset because this has ruined my credit, and they wo n't respond or provide ACCURATE and full details of my payment record. I have tried to work with them several times, but it seems they do n't have the records, and are placing blame on my. If you view the payment reporting to the credit agencies- you will see the account went from paid on time to 120 past due in less than 1 month. They need to remove all of this information, I have given them 2 years to work with me or fix this, and it has ruined my quality of life and availability to consumer financing I would otherwise qualify for.

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