BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My case-I opened an online checking account at citi bank on XXXX XXXX .After few days on XXXX XXXX when I already deposited money on it I received a mail that my account is closed and i have to reach out to fraud department. On XX/XX/XXXX After reaching fraud dept at this number they said my account is closed with no clear reason. Upon asking when I can get my money back XXXX $ which I deposited, they started asking my phone number and code I received on my phone. After lot of hesitation in sharing my code I finally did then they asked me to upload my address docs and said after uploading we will send the money. After uploading the docs called again on XXXX XXXX and got same response and asked same address docs to upload. XXXX called on XXXX XXXX they did the same 30+ min process but after showing lot of frustration they told me that I will receive my money within 15 days. After calling again on XXXX XXXX they said my check has resent on XXXX XXXX and will receive by XXXX XXXX. I have still not received any 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 2017-03-26
Company: U.S. BANCORP
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.

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 2021-08-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
complaint id:XXXX : this complaint was not resolved to my satisfaction ; paypal did not answer my questions ; wrapped their response in a lot of jargon! 
from what I understood, the cash advance I took in XXXX  is still unpaid after 4 years! 
I have been charged {$10.00} cash advance fee in addition to other finance charges per month since XX/XX/17 ; this cash advance interest will be charged until the cash advance is paid off! according to paypal credit, when a payment is made they take finance charges off, any fees, any special/promotional offer charges, then apply the rest to principal ; therefore paypal credit has applied only cents toward the cash advance principal! ; I, ve been charged almost {$10.00} per month in finance charges since XX/XX/17 ; according to my math that's {$450.00} in finance charges till now for a {$650.00} cash advance!!!!!!!!!!!!!!!!!! that's usury!!!!!!!!!!!!!!!!!!!!!!!!! ; in the response letter, paypal credit stated I can designate an amount of the payment to go toward the advance, I believe ; I am not sure because of all the unnecessary jargon in the letter ; I could be wrong again. basically I will never be able to pay off the cash advance this way unless I pay off the entire balance ; at this point this is impossible for me ; so paypal credit would drain me as much as they can. shame, really

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Residential Credit Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a communication dated XX/XX/XXXX from Residential Credit Solutions , Inc. ( hereinafter " RCS '' ) attempting to collect a debt. I received the letter XX/XX/XXXX. 

I sent it a demand for validation and notice of dispute XX/XX/XXXX. RCS received it XX/XX/XXXX. 

On XX/XX/XXXX I received a communication dated XX/XX/XXXX from XXXX XXXX of the Loss Mitigation Team at RCS. The letter is another attempt to collect a debt that RCS claims I owe, was delinquent when it acquired the right to collect it, and offers options to avoid foreclosure. 

RCS has failed to provide validation of the debt and every part therein as of the date I received the letter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting : XXXX XXXX/XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: MT
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:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

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 2018-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.

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 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2018-05-28
Company: Experian Information Solutions Inc.
State: NY
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:
Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2017-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2017. In receipt of another generated response to the complaints filed with WFHM and after providing documents / receipts / Bank statements / direct payments WFHM excluded in their records. The information WFHM provided says nothing new, does not fully explain why they excluded pertinent information and why they are not reporting my mortgage to the credit bureaus. Additionally why WFHM continues to report my mortgage payments as late or not made at all, when they clearly have all of the information, receipts, etc, provided by myself and the Wells Fargo Branches. I have consistently reported this issue to the CFPB only to have WFHM send the CFPB generated responses, with no end result. The other issue I have is that WFHM is directly affecting my ability to re-finance, it also is directly affecting my credit score and ability to obtain new employment. To make matters worst WFHM in sending the incorrect information to re-finance, have directly resulted in a denial. With the information provided ( All Payment History/Month by Month ), WFHM will continually state that the information on their end still has missing payments. It would take a simple phone call to the branches to where the payments were made to resolve this information and clear up any confusion. Resulting in a apology letter from WFHM and compensation of any late fees attached.

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 2016-06-06
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Please review prior complaints numbered : XXXX and XXXX. 
This complaint is a follow up to the XXXX prior complaints, and refers to untruthful statements made by Well Fargo in reply to BOTH the prior complaints. In summary, Wells Fargo alleges that I can transfer money from my US Wells Fargo accounts to my bank in the XXXX XXXX using the Wells Fargo online system. I have a Wells Fargo on line account ( despite the Wells Fargo repeated assertion that I do not have such an account ). I phoned the Wells Fargo phone Help Line today to help me transfer funds. They told me today that there is a tab on the online web page ( the tab is allegedly called " Wire Transfers '' ). No such tab appeared on my session with the Wells Fargo on line system. Wells Fargo asked me to reboot my computer, which I did. When I logged on to the Wells Fargo online system again, there was STILL NO SUCH TAB and no such page on their online system. Wells Fargo have told the CFPB in writing, twice, that wire transfers can be accomplished from the US to the XXXX using their online system, but today, even with the help of the Wells Fargo phone Help Line, Wells Fargo could not demonstrate that this transfer capability even exists.

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 2015-12-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX, 2013 I went to bank to cash at the drive -through window. The teller informed me my backing account was frozen because suspicious activity. I went inside the bank and talked with a manager. The manager could n't discuss the account because my daughter was n't present at time and account was college join account. I immediately called telephoned my daughter and told her check her account. My daughter notice than her wallet was missing and telephone the day. We checked banking activities later that evening online. Several large checks was deposit in her account which she had no knowledge where the funds came from.The bank never informed before hand of any possible fraud activities prior by email or telephone call until I went to branch to cash a check. My daughter did have a bank deposit slip, ATM and with her pin number written on deposit slip inside her wallet. The next day we went to bank and talk with manager about missing wallet and it contains. The manage over the account, told us all our accounts was frozen and all activities would stop. The bank continued to allow deposit checks, ATM withdraws for another 7 days. My daughter and I went to police department filed fraud and ID Theft complaint in XXXX and XXXX Police Department. We also file an report with Federal Trade commission and Attorneys General office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
i submitted a dispute with Equifax and the dispute to more than 30 days so i submitted a 30 day non response they in turn sent me mail other than my disputed results which i have attached i think they are playing with me and i need this corrected asap my previous dispute case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.

Company response to consumer: Closed
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is an appeal of a decision made by Wells Fargo against me. I initiated a complaint several months ago stating that I was the victim of a predatory lending scheme and was told today by XXXX XXXX at Wells Fargo that my claim was denied and my case had been closed. No reason was given. I had previously tried to speak with XXXX XXXX but she did not return my calls. When she called to tell me that my claim was denied, I asked why she had not returned my calls. She stated that she was " too busy. '' I would like this matter to be re-opened and researched by a third party ( not Wells Fargo ). They have proven themselves to be unethical and unreliable and clearly can not conduct a fair investigation. I was not asked any questions by Wells Fargo during their so-called investigation. They unilaterally decided that I had no basis for a case. I respectfully request that my case be reopened and reexamined by a neutral third party. Thank you. 
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ 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 2015-10-06
Company: Great American Finance Co
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am XXXX XXXX. I am submitting this complaint on behalf of myself, no third party involved. XXXX of XXXX I began the dispute process with Equifax over 3 unverified accounts in collections on my report. I disputed all 3 accounts from XXXX XXXX because all accounts were unverified. I received no responses from the first investigation. I repeated the process with 3 more rounds of disputes, a total of 4 rounds of disputes in an attempt to resolve the discrepancies with the company. Each time from rounds 2 through 4 they provided invalid forms of proof in order to justify illegally reporting these accounts on my credit report. Each time their willful and improper investigations yielded no VALID forms of documentation as required by the FCRA under section 611 to provide proof that the debt is in fact mine. There must be an original document consumer contract containing my signature on it in order to verify the account and legally report it. The dispute process with the company ended XX/XX/XXXX without remedy. My account has had these collections since XXXX and for several years has damaged my credit and negatively impacted my life. Im homeless and have been unable to obtain housing for years because of the illegal practices ruining my credit caused by Equifax. Ive exhausted all options with the company and they have repeatedly dismissed my valid disputes over my credit report. Roughly cost {$120.00} to dispute with Equifax for printing, copying, postage, and notarizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CCS Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Represented themselves as a known insurance company online, was not aware until apetwork came in the mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ALLY FINANCIAL INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank 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 2021-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital one has not sent my monthly statements. I spoke to XXXX a supervisor at capital one. He stated capital one has been experiencing delays due to the post office. I explained I have been randomly calling in to make payments but have not received a monthly statement thus far! The company refused to correct the fees and update my account. I feel that the company is intentionally exploiting card members financially during this pandemic. They overcharging the customer to get the member at a large monthly amounts through fees so the account will always owe more for a longer period of time and potentially can not every pay off the balance. It appears to be a scam or fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Address listed for primary contact was an address I never lived at therefore all notices for repayment were sent to this address? Two accounts listed on credit report as collections never received a notice and to this day have never received any notices of collections.

Company response to consumer: Closed with explanation