BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2020 I initiated two transfers in order to draw my account to {$0.00} in advance of closure. Transfers were declined and now I find that I am unable to close my checking and saving account.

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 2015-12-23
Company: EZCORP, INC.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I was contacted by a company XXXX XXXX XXXX on a payday loan. They said I had committed a crime and would be put in jail if I did n't immediately provide them with money. They said it was a misdemeanor offense and that I would be put in jail if I did n't pay. I had my attorney contact them and they refused to provide any contact info to him. They also call my father and my work and said I owed a debt. The called repeatedly, and when I said I would set up a payment plan they said I was going to jail unless I paid today. 

The only info I have on this company is they call themselves XXXX XXXX and their phone number is XXXX XXXX XXXX they gave me a case number of co XXXX and I was to contact XXXX XXXX at ext. XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I telephoned Citi Cards ( Citibank VISA ) on XX/XX/20 to request a deferred payment on my credit card. The CSR ( Customer Service Representative ) advised me on their recorded line that my next payment was not due until XX/XX/20, so I did not need a deferred payment at that time. I began receiving emails and a text message on XX/XX/20 advising me that I was then delinquent regarding a payment and Citi Cards ( Citibank VISA ) was charging me a {$29.00} late fee and they were then demanding over 3x the normal bi-monthly payment of {$170.00} that they now claim was due on XX/XX/20. I requested that Citi Cards ( Citibank VISA ) review their recorded conversation I had with their CSR on XX/XX/20. During this international / national crisis with Covid-19, Citi Cards ( Citibank VISA ) is acting with a complete lack of compassion for the hardships being endured by the American people as well as engaging in deceptive trade practices. This conduct is illegal during normal times, but is reprehensible during a national emergency. My personal income has been cut in half during this national emergency and Citi Cards ( Citibank VISA ) is acting like mobster loan shark debt enforcers. 

The first Citi Cards ( Citibank VISA ) CSR I spoke with ( # XXXX ) was argumentative and refused to admit Citi XXXX ( Citibank VISA ) previous misrepresentation on my earlier phone call on XX/XX/20, refused to dismiss the late fee and is now treating me as a bad customer due to Citi Cards ( Citibank VISA ) incompetence and inefficiency. The 2nd CSR ( XXXX ) did the same as # XXXX, but offered me so-called payment arrangements that were no more favorable than my initial minimum payments. She claimed that someone would review the taped call of XX/XX/20 and get back with me in 1-2 business days. 

I have a perfect payment history with Citi Bank ( Citibank VISA ) for  years ... NO LATE PAYMENTS EVER!!!

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 2022-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2022, Capital One opened a XXXX XXXX XXXX Account in my name without my permission. I never used the account. In XX/XX/2022 Capital One closed the account just as mysteriously as they had opened the account two months prior. Again, I had no transactions in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: LoanCare, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex husband purchased a home on XXXX/XXXX/XXXX with only his credit utilized for the mortgage. I had a foreclosure the year prior and did not qualify for a loan on either a home or even a car. My ex husband signed the paperwork for the mortgage. On XXXX/XXXX/XXXX, my ex husband and I separated and he stopped making payments on his home that he lived in. We divorced on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my credit was affected by his delinquency and also on XXXX/XXXX/XXXX the Loancare mortgage was applied to my credit report even though the entire time my ex husband owned the home, the mortgage account never showed up on my credit report. I called Loancare and it took the customer support specialist over 20 minutes to locate " my initial '' on a part of the paperwork for the mortgage, even though back in the XXXX of XXXX, my ex husband had to give a verbal authorization for me to speak to Loancare about his loan, since I was not on the mortgage. I 'm filling this complaint because Loancare is fraudulently claiming i 'm on the mortgage my ex husband signed and is now damaging my credit. Below is the LoanCare address information. 
LoanCare Attn : Cashiering Department XXXX, VA XXXX Telephone Number Customer Service : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX has been pulling my credit report, XXXX fraudulent pulls, the bank says it want remove them even though it has wrong info, TransUnion has refused to remove them after several disputes,

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 2022-04-12
Company: ERC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted collector, Medical Data Systems I, trying to obtain information on what the {$350.00} debt is that they are reporting on my credit, date opened XX/XX/XXXX. The collector only attempted using word tricks to try and get me to admit I owe this debt. I requested a detailed statement, and never received. I have disputed the collection with XXXX  3 times. All 3 times requesting supporting documentation for the unknown debt. The collector reported back to XXXX all 3 times as accurate, but still has not provided any detail to what they are trying to collect. 
XXXX disputes : XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
XX/XX/XXXX # XXXX responded as accurate, no documentation provided. 
I have exhausted my attempts to remove this unknown debt from my credit report and can't get any cooperation from the creditor. I had an XXXX credit score until this collector has ruined my credit. I have no documentation to include with my complaint since I have no knowledge of owing this debt.

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 2017-03-02
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In reference to tracking number XXXX, XXXX opened a deposit account and funded by XXXX to pay the property taxes. Seterus changed it to a deposit account opened by Seterus and funded by home owner in violation of the terms and conditions of service transfer agreement between XXXX and Seterus. The reason XXXX did the way they did is that the mortgage is principal and interest payment only and they honored it. Seterus violated it. If Seterus argument that XXXX opened an escrow account based on XXXX crediting {$0.00} of my excess payment towards mortgage, they need to say so clearly and unequivocally. Seterus already admitted ignorance of what XXXX did and yet they claim they opened an escrow account based on {$0.00} credited to the deposit account...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
On or about XX/XX/2020, I applied for an auto loan through Capital One, and got pre-approved for {$35000.00}. Found the car I wanted ( Only cost XXXX ). I submitted all the paperwork they requested and they gave me an approval number. I did all the loan paperwork, handed over my deposit and the dealer gave me the car. Almost a month goes by then Capital One says they now need employment verification and my boss needs to call them. They refuse to call my work, they say my work has to call them. My boss attempts to call Cap One 's underwriter. One hour on hold and she hangs up because she actually has work to do. Calls again. And again. Day after day. Still unable to get through. Finally, she gets through, verifies everything and they tell her the loan is good to go. Then they called me and told me everything was now fine and the dealership would receive the funding. A week later they call again and say they need my boss to call and verify my employment. Again. So she calls and can't get through. Days later she finally gets through and once again verifies everything. The underwriter tells her he has everything he needs and the loan is approved. Today they called and said the pre-approval had expired so I would need to reapply or turn over years of tax returns. I'm not buying a XXXX, just a normal, inexpensive used car that is {$8000.00}. And in the month that I've had the car, Cap One did hard pulls on my credit six times. So my credit score now dropped. And I traded in my car so I can't get that back. Now I'm stuck trying to get other funding with a lower credit score from them doing repeated hard pulls, or having to return the vehicle with no alternate vehicle since my original one is now gone. And the dealership may not return my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX! My complaint is in regards to a collections account on my credit from AMERICOLLECT. The collection is in the amount of {$640.00} and claims to be from a medical bill. The collection was opened XX/XX/2016. I have attempted to dispute this collection and request information from the Collection agency as I have no knowledge of this claim. I have had XXXX insurance most of my life and all of my medical expenses are covered. When I attempted to request Information and proof of validity the collection agency refused to give me any information other than the amount thats owed. I have no recollection of owing a medical bill and do not believe this claim to be accurate. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a direct student loan held by Edfinancial with a remaining balance of {$9900.00}. On XX/XX/XXXX and on XX/XX/XXXX I requested a timely refund for payments made on the account since XX/XX/XXXX, in the amount of {$9200.00}, as allowed by the Dept of Education. This request was clearly made in the hope of being able to make a request of my full eligible amount of student loan cancellation as outlined by the Biden administration. Edfinancial has responded with saying they will at earliest be able to process the refund and have that reflected in my loan balance in at earliest 150 business days, which is an unreasonable timeline compared to other loan servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was told that my square account transactions would be suspended if I didn't look in my dashboard on squareup.com to resolve a letter. I answered the questions in the letter Monday XX/XX/22 about the CBD or cannabidoil products I use by opting out of the CBD market and taking the listed CBD balm off my items list that is used in XXXX XXXX as an add-on. The reply automated said that my cooperation more or less was fulfilled and I should be able to use the Square services for credit card transactions in time for my appointments that were Wednesday XX/XX/22 same week. I accepted the credit card that day and the next day when I was expecting to use the funds transferred to my checking account I was told the funds were suspended and that I should contact Square in some community center to find out why. I found the phone number and called it XXXX and spoke with a few customer service reps, the first one didn't connect me and the 2nd one made me feel she handled it and gave me copies of the reasons why account suspended for CBD. I told her I already complied and she told me the department handling my account was reviewing it and I would expect to be able to access the funds by the end of the day. Rent was due and I was assessed a {$50.00} late fee and the XXXX XXXX holiday on the weekend didn't make me think I would be able to have my account reviewed. I closed my account that Monday XX/XX/22. I called back today on Tuesday XX/XX/22 and spoke with a representative who told me the other person didn't email me back like she was supposed to that some other item was on my account with CBD from a massage oil product, when asked why I wasn't told about that item. I had already closed my account and he confirmed I had {$240.00} after fees in my Square account that would be released as I wasn't in the CBD market or also don't use their services. But he said he would have to hear from that department then email me. It is the end of the day and I still haven't heard anything. I don't think it is fair for them to take my funds over CBD that is legal to use in services and bought at XXXX and XXXX and XXXX from a client 's account. I don't sell it, and Square intentionally hurt my small means of income that impacted me with more fees to pay for late rent. The costs of fuel and less tips at my employee job and time off the previous two weeks to study and pass finals in XXXX XXXX hurt me already and I relied on that money to pay my rent. They are robbing small businesses and financially abusing them for a CBD compliance issue that shouldn't be any of their business. I already have really XXXX XXXX XXXX to people and drive to their homes for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am being charged late fees for a negative balance on top of the {$110.00} negative balance fee which is more than I was originally negative, they wont work with me and I am at a lost for wages due to covid-19 and with the additional fees added it really put me in a bind. 5/3 bank will not remove the fees I asked to remove so I could resolve my issue and are now adding more fees. I believe they are doing this to get more money out of someone who is struggling to make ends meet. I also believe the fees they are adding are coming at a perfect time due to the stimulus package going into effect. My thing is why not help your customers why are you robbing the poor, I obviously dont have the money, I had the same issue on XXXX Day were I was charged a negative fee, They are the true definition of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
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 sent numerous certified mailings to XXXX and XXXX attempting to get the information for XXXX XXXX  and Portfolio Recovery to be corrected or removed. After almost two years of disputing it is still reporting incorrectly on both reports! 
XXXX does not list either account, thankfully. 
Attached at the two most recent credit reports, as you can see both have incorrect information. 
I have a security freeze on all credit reports due to this ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have reached out to this company about placing a security freeze on my report 2 times I have yet to receive a response, i have attached pdf files of me asking these companies for security freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Bright Banking checking account online with BB & T on XX/XX/19 with the promotional code XXXX. This promotion offered a {$250.00} bonus after receiving 2 direct deposits. Despite my fulfilling this requirement the bonus was not paid out. My related inquiry on XX/XX/19 received the response that I had not provided a " valid promotional code '' online. 

In fact, the code in question auto-populated after using a link to the application page.

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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir or Madam, I am a victim of identity theft.

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 2017-12-15
Company: Experian Information Solutions Inc.
State: MA
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:
There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked the credit bureaus to stop reporting wrong or mis-leading information on my credit report. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX, NC XXXX. I sent in a copy of my license with the correct spelling of my whole name and date of birth. 

I also sent in a copy of a bill to show my address. I do not know any of the other addresses, nor am I associated with any of the other addresses that's being reported. 

I have asked the credit bureaus on numerous times to please validate, as well as investigate the accounts that they're reporting to be mine and delete the ones that are not mine. I also asked for the validation procedure because I have not heard of these accounts.

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