BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Late fee

Complaint:
US Bank charges a late fee when I make a monthly payment on time because it is beyond XXXX CST rather than the end of the day. The disclosure is n't shown until submit payment is selected.

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 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was mistake to close my Paypal account. I am using my Paypal account for my XXXX XXXX XXXX XXXX XXXX since XX/XX/2021. My Paypal account Title is XXXX XXXX, Yes! I am a XXXX XXXX XXXX but whene the covid19 lockdown, I stop my Job as a XXXX XXXX thats why I became an XXXX XXXX XXXX XXXX XXXX My paypal account XXXX has stuck funds in it that I have to withdraw asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds Thank you and Godbless. 

For Identity verification I attached my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it

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 2016-08-24
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.

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 2021-09-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX, the amount of $ XXXX, included $ XXXX overdraft XXXX, by TD BANK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXXXXXX XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened and 4. Last payment date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Working night and day right now to stave off attacks from Navient. After hiring an attorney and disputing the debt for my education ( a huge economic loss ), the debt should go into a " disputed '' status. Which means by law I can withhold payments while the investigation is taking place. The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. Everyone is entitled to dispute a debt and investigate the lender for any violations of the contract or validation of the debt. In most cases, the lender would not even be able to provide proper documentation tying you to the debt. These violations, combined with unlawful debt collection practices, and the complete disregard of the law ( by Navient ) is the reason behind this complaint. 

Cease and desist letters went out. Of course, I anticipated the Navient would report the loan as delinquent. And they did. This had a huge negative impact on my credit, of which I will be disputing my accounts with the credit bureau. After being bombarded with calls from the Navient, they then turned their attention to the co-signer ( my parents ), demanding they start making payments. This is again in violation of the law ; they are legally required to work directly through my attorney. They then reported my parents to the credit bureaus as delinquent after they were unable to extract money from them. This has affected their credit as well as they are now unable to re-finance their mortgage. This has also affected family relations. We live in a XXXX bedroom apartment with very little living space. We are unable to take out credit of any shape or form. The very basic requirements for living in today 's society and our entire future is currently on hold. 

NAVIENT IS A PREDATORY LENDER WITH NO REGARD FOR CONSUMER PROTECTION LAWS OR PEOPLE 'S LIVES. THESE LOAN SHARKS PREY ON XXXX OLD HIGH SCHOOL GRADUATES WHICH ARE UN-INFORMED & INCAPABLE OF MAKING DECISIONS THAT WILL IMPACT THE REST OF THEIR FUTURE. THEY THEN ENGAGE IN DECEPTIVE BILLING PRACTICES AND INCORRECT CREDIT REPORTING, MAKING BASIC LIVING IN THE U.S. NEARLY IMPOSSIBLE. PLEASE ASSIST US IN BRINGING ACCOUNTABILITY AND JUSTICE TO THESE LOAN SHARKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: AFNI INC.
State: LA
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:
I have a loan with AFNI ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AFNI ( Original Creditor : XXXXXXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XX/XX/2020 XXXX/WESTLAKE FINANC  XX/XX/2020 XXXX  XX/XX/2020

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 2022-05-17
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a cfpb report and they claim they cant find my case.. This totally unacceptable that they can not find my account. Therefore, Wells Fargo closed my account after completing my claim. The agent said he was mailing my new debit card and I was good. I tried depositing some money and my account was closed on XXXX XXXX. They mailed my debit card on XX/XX/2020. My phone was stolen out of my car in XXXX. I told them my debit card and phone was in the card because I brought my XXXX XXXX card and other phone in the party. My phone was unlocked with my info available in the notes. The scammer tried putting fraudulent checks in my account. I even told the bank to run the cameras back and they said they agree they didn't see me on camera at the teller. Claim # XXXX ... Debit Card Last Four XXXX AND ACCOUNT # LAST FOUR : XXXXThey lied to me about keeping my account due to no fault of my own. They wouldn't believe me that I didn't have a code on my phone. How could you tell me what I have on my phone. This in 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 2020-08-07
Company: PNC Bank N.A.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I need with a loan I have a bank account n can back in payment looking for a couple hundred to help me pay my note due to COVID-19. Let me know if u can help out n I will appreciate it if u can.. n thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
CHRYSLER In XX/XX/2020 Chrysler offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for Chrysler, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX department store is reporting to the credit bureaus that an account has been closed and charged off but as of XX/XX/XXXX they keep updating the balance. To my knowledge if the account was closed in XXXX and charged off why is it still carrying a balance? This information is incorrect.

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 2022-05-17
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX XXXX XXXX9 I was contacted by Nelnet. I has previously been on a Income based repayment plan that had to be renewed. I spoke with a representative that informed me I was 3 months behind on my renewal. I went through the process of renewing with him and asked how this would impact me for the 3 months I was late after informing him that I was XXXX  and due any day and had been pulled out of work due to a XXXX XXXX XXXXXXXX. I was told it would go back and cover those months since it was retroactive up to 6months. That never happend I have spoken with nelnet several times since then to clear this up and they refuse. I have also disputed it several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was instructed by Customer Service to mail in the details of the charges that I am disputing as fraud. Please find enclosed a list of all charges that I am disputing. Hopefully, the ones where a phone bill was paid will provide you with a name and more information. I have never had service with these companies. All of these charges took place more than two hours from where I live in XXXX, XXXX Several of the merchants I do not recognize. 
I did not initially identify these transactions as fraud because I am XXXX and XXXX. I, therefore, require assistance. Unfortunately, I only did a cursory review of my statements and obviously not a detailed and thorough analysis because of the medical conditions that I was experiencing at the time. 
I was unaware of the extent of the fraudulent charges especially since I was using the card at the same time and my primary method of reviewing the statements was by phone and not all of the relevant information was available to me, such as the city where the charges were made. Furthermore, my bill was due and I wanted to avoid late charges and extra interest and to maintain the good standing of my account. 
I am certain these transactions are fraudulent. I had to provide an agency with the last twelve months of statements. As I was reviewing my statements I noticed a fraudulent charge on another card. This prompted me to examine all of my past records/statements for all my cards. With assistance and hours of close examination of all my statements I discovered charges for cell phone companies that I had never had an account with. 
I was instructed by a representative to mail my explanation and charges to XXXX. I originally mailed this letter to Fraud Claims Department, CitiCard, XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX, 2016. It was returned to me as " Not Deliverable as Addressed '' on XXXX XXXX, 2016. On XXXX XXXX I spent over 2 hours on the telephone trying to dispute the XXXX charges with XXXX XXXX XXXX and the XXXX toll free numbers listed with the XXXX charges. Neither number worked. XXXX XXXX XXXX wanted a phone number, account number or a transaction code. These do n't appear on the statement. So I called CitiCard. They could n't provide any of this information so it makes it impossible for me to file a police report and they did n't offer a correct mailing address for sending my fraud claim and they claimed there was no fax number that I could fax my claim to. I have already been waiting for 3 1/2 weeks for a response.

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 2022-05-17
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a cash app account and I believe someone had access to it so I created a second cash app account they told me I was allowed to have as many as possible a couple months ago I closed my original account I have contacted customer service yesterday and today over and over to request copies of my bank statements due to my need to amend my taxes and when you amend your taxes the IRS requires proof of the things you are saying. Every single time they contact me back as a brand new customer service representative saying the exact same thing they can't Grant access I never asked for Access they offered a temporary access so I can download my statements I said that's fine they came back said oh sorry we can't do that because somehow it would jeopardize my second account with them and they have security measures in place and I said fine email me or mail paper copies of my statements and the next reply is exactly the same I can not Grant you access and the next reply is the same and the following replies the same in the following replies the same I have three times asked for a higher level tier representative to assist me nobody has even addressed that or said they would move my ticket up to a higher level they have not even acknowledged that I asked that and I refusing to assist me beyond level one help desk support I also asked them if I close my second account then I should be able to have access to my first account and nobody has addressed that question for me but yet each customer service Representatives closes with the same sentence please let me know if there's anything else I can help with only nobody actually helps me with things that I ask for like someone else to assist me or are you going to mail or email my statements or if I close the other account then I should be able to access the first account and then they said we can not provide any more information to you. Last I checked they are providing a service they are making money off of me that checking account was my money that I made I earned those statements on my information and it hasn't been 5 years it's been a couple of months I would like access to my information to go ahead and amend my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013

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