BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2022-10-14
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$420.00} XXXX XXXX. I do not owe this debt never heard of it or never seen it until credit report. AWA COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a loan with CitiFinancial XXXX 2001 for {$25000.00} for home repairs. 
I only borrowed {$25000.00} and was supposed to pay back {$5500.00}. Somewhere in the making of this loan. {$30000.00} was tacked on to my loan of which is not mine. I have called CitiFinancial for years and sent letters etc. Trying to find out what happened. 
I can not get anywhere with them. I have already paid over {$100000.00} back to them for a loan of only {$25000.00}. I need to know if somewhere some how you can investigate ths loan. I was scammed. I make monthly payments still. I am always behind due to having to rent a place to live because that property is in need of more repairs. 
The property is only valued at {$40000.00}. I have done everything humanly possible to find out why and what happened. I feel like they need to close this loan and investigate. 
I borrowed {$25000.00} in 2001. 
I am still paying monthly payments. 
I have paid back over {$100000.00} on a property valued at {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX an scammer hacked my acct and made an online deposit for XXXX and contacted my son to return the money. He saw the deposit and informed the person he had the wrong person. The person began to send him threats via text and informed him to return the money via XXXX. As he did because he was scared and did not want any parts of the money. Once he informed me, I attempted to cancel the payments and was unsuccessful. He was not aware that this was an online deposit as this is his 1st bank account. I contacted customer service immediately and they informed me there was nothing they can do about the XXXX payments and go to the branch. I went to the branch and met with XXXX XXXX who is a Lead Associate of Operations. She assisted us with changing his user id and password and also verified that his account was accessed from a different time zone in the morning. We opened claims numbers : XXXX and XXXX for the fraudulent check and XXXX payments. I was informed to call the bank on XX/XX/XXXX to verify what type of deposit was made. I reviewed my statement and saw that this was a fake check that was deposited and was advised to allow XXXX business days for resolution. I made follow up calls XX/XX/XXXX and was informed that the check claim was cleared, and it was fraud but, the XXXX payment is still pending and to call back. I called on XX/XX/XXXX and spoke to an agent who informed me that the XXXX payment was approved on XX/XX/XXXX and to allow 10 days for the deposit to be refunded back into to account. That never happened! XX/XX/XXXX I spoke to a supervisor who informed me that I was provided incorrect information and there would be no refund for my original balance and the account is overdrawn {$580.00} due to the XXXX payments. I requested for the call to be pulled and to be honored. I have never received a follow up call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by 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 2022-10-14
Company: Debt Recovery Solutions, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
DEBT RECOVERY SOLUTIONS Have no knowledge of XXXX XXXX XXXX  the company and seen it was a loan place that I have never been to. I have no knowledge of that loan or account. {$310.00}. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
dispute of response case # XXXX so again i do n't see where my principal only payment of {$50.00} paid on XXXX XXXX was reversed..what date was reversal applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FinCo Services Inc DBA Current
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new bank account with Current Bank and everything seemed to be good and dandy. I linked one of my other bank accounts with XXXX XXXX XXXX XXXX to the newly opened Current Bank account and transferred a sum of XXXX XXXX No issues with this transfer, everything seemed okay. I wanted to transfer a full XXXX $ on the first transfer but my bank has a XXXX $ per day limit so I waited until the next day and transferred another XXXX XXXX I immediately was notified within the Current Bank application that my account was under security review and that I could not make any transactions. Head scratcher, confused, went to my emails and saw an email with the request from Current Bank for me to submit my private confidential metadata with them by submitting a face scan with my identification in the photo as well. As well as a bill from the last 60 days verifying the address. I begrudgingly agreed and sent them this information. Four days later I get another amazing update from Current Bank that they have suspended my account and that I will no longer be able to utilize their bank for banking needs and that all decisions are final. They left out one gigantic, extremely important, essentially the only thing that matters piece of information though. They never told me where they were sending my XXXX $ and it seems as if theyre trying to steal my money. There is no way to get ahold of anyone at Current Bank via telephone. They simply have no customer service it is a disaster. But if you do manage to get a response via email, which I did, from a gentleman named XXXX from Current Bank, the message almost seems robotic and completely outrageous. I informed them that I am extremely worried about my funds that they have in their possession and that it would seem wise to return my funds to the place that they came from ( XXXX XXXX XXXX XXXX ). XXXX told me no, they will not be sending my money back to the originating source. They in fact did not give me any more information than that and I am so confused and feel like I just got robbed. I cant get ahold of anyone at Current Bank and they dont seem interested to do a XXXX thing about my money. I contacted XXXX XXXX XXXX XXXX to inform them of what had happened and they are at a loss for words as well. They are completely befuddled and confused as to current banks strange actions and lack of transparency when it comes to where my money exactly is. I believe they legally are required to send this money back to the originating source if they are the ones who closed my account for no XXXX reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX ( Original Creditor : 11 XXXX  ) Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am receiving a bill from Bank of America for a student loan I do not believe I received. I have attempted to contact them many times including leaving voicemails, calling the BoA main number, and noone has been able to find this loan in their system yet I continue to receive a bill from them monthly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Southwest Credit Systems, L.P.
State: IN
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:
This Dispute started in the spring of XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XXXX. First by sending it to the collection XXXX XXXX in the spring of XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency Southwest Credit. Again my credit score was lowered and now I am disputing this unreasonable charge with them and Southwest Credit. At this time XXXX and XXXX  have again agreed to remove the report, but for whatever reason XXXX is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with XXXX. I have also told Southwest Credit I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, XXXX, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with Southwest Credit, XXXX is dragging their feet and Southwest Credit will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a retirement check due to hardship from my employer and I deposited it with my bank. Once I started paying off bills which were expensive the bank flagged my card so I went in to the bank and explained what was goin on at which point they closed my account and told me they would send me a check for my remaining amount but the check hasnt came nor can I retrieve my money to pay bills I am about to be evicted homeless with all XXXX of my kids due to this matter. Truist is terrible

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 2021-01-15
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:
Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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 2015-08-25
Company: SUN LOAN COMPANY INC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I borrowed {$1000.00} from Sun Loan Company in XXXX XXXX, Mo. to be repaid in 14 monthly payments at a rate of $ 158 monthly at a annual percentage interest rate of 67.03 %. When I realize what this loan would cost me in interest, I called the company in XXXX, 2015 requesting a payoff of the loan. The figure they quoted me seemed way high so I send the monthly payment in for XXXX. 2015. I called the company again on XXXX XXXX, XXXX expressed my displeasure on the payoff they gave me and request a manage call me and give me another figure. The lady on the phone told me she was the assistant manager and gave me a figure of {$1300.00} and told me the payoff would be good for 10 days from this date, but she stated I owed {$30.00} plus dollars for late charges. I immediately mailed in the check for {$1300.00} to Sun Loan Company and as of today my check has not been cashed by my bank. Instead I have been receiving daily calls from Sun Loan Company representatives telling me to call their office as soon as possible to discuss my delinquent account and today I recei9ved a nasty letter from Sun Loan Company threating to take collection action against me if I do not get my past due account current. They also state in the letter I received that my credit rating will be effective if I do n't communicate with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation