BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: CENTRAL BANCOMPANY, INC
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The advertisement I responded to promised a {$300.00} credit if I opened a new account and kept it open for 90 days. I also had to fund the account with an initial deposit of {$50.00} and make two direct deposits within the first 90 days. I opened the account on XX/XX/XXXX and my first direct deposit was made on XX/XX/XXXX. On XX/XX/XXXX, my balance on the account showed {$56.00} and I made a credit card payment for that amount on XX/XX/XXXX. A day after the credit card payment cleared on XX/XX/XXXX the bank claimed an XXXX charge had cleared prior to that charge and put the account in a negative balance of {$55.00}. Prior to all of this, the XXXX shipment cleared on XX/XX/XXXX so it makes no sense the charge would disappear from the account and appear again when I had a XXXX balance to place me in overdraft. The account had been opened for 90 days on XX/XX/XXXX. The overdraft occurred on XX/XX/XXXX. They are now telling me I am ineligible for the {$300.00} bonus because their fine print indicates the account must be open for 90 days and be in good standing through the time it takes them to process the payment, no matter how long that is. This is extremely deceptive in my view both in the fact that a charge disappeared from my account and then suddenly reappeared the very day they were evaluating the account for the bonus and just happened to disqualify me. The postcard I received said no minimum balance was required. Offers like this must be clear and this was not clear at all.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian will not remove wrong info and take XXXX report dispute are always denied.

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 2020-08-04
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
As of today XX/XX/2020, my American Express account is reporting on all three credit bureaus that I'm overdrawn, when that is not true. I have a balance of {$1500.00} as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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 information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Sent a payment to a friend via Venmo. She says her account was frozen ( I received no such notification when making the payment ) and she can't obtain the payment. I contacted Venmo and they indicate that the payment was completed and they can't issue a refund. ( So it sounds like Venmo will just claim the funds ). 

Venmo ticket ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXAccount Number # # # # XXXX XXXX XXXX XXXX XXXX XXXXAccount Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate My Rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX-Account number XXXX, XXXX XXXX XXXX- Account Number # # # # # # # # # # # # # # # XXXX, XXXX XXXX XXXXAccount Number # # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-Account Number # # # # XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX, XXXX-Account Number # # # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX-Account Number # # # # # # XXXX. Has Violate My Rights.

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Had a leased truck with boyfriend through Ford. We broke up. The boyfriend started paperwork to transfer the lease to his name only so I would be removed since we were no longer together. We were charged a transfer fee. He then passed away just after this was completed. Ford now acts like the transfer never happened and is looking to me to pay this. if the transfer was n't complete, they should refund that fee. I have asked for copies of the documents ( since according to them I am still on the account ) ... all documents including the transfer of lease forms. I received nothing. I was told my account was turned over to someone at ford and they would be calling me..i have received no call. I also receive no help from XXXX XXXX in XXXX IL where this was purchased. The boys club does n't seem to want to respond to me. Paper work for the lease when we began this had to be redone 4 times with XXXX at the onset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
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 complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Applied for a loan and bank retracted loan after they made internal error but even though contract and bank note was signed by both parties and Bank was in a legal binding contract they advised they will not assist with the providing the loan back. They retracted personal funds from account to cover loan as well and no one is able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: NATIONS DIRECT MORTGAGE, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted numerous amounts of request to get an incorrect credit report corrected for months which have affected reapplying for a mortgage and have caused me to almost live in poverty due to mortgage error which refuses to rectify and repair the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013 I paid my debt which was to Cash Net USA however they sold my account to a XXXX XXXX XXXX company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to XXXX XXXX XXXX on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact XXXX XXXX XXXX at XXXX or XXXX " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.

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 2021-09-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the past years with PayPal Credit and Amazon before Synchrony Bank combine the payment process, I always paid my account out to a XXXX balance each month by the XXXX. However, now Synchrony Bank has employees to take both payment simultaneously with the same representative and payments are " lost '' or misappropriated to the wrong accounts. Now between XXXX to XXXX, 2021, {$220.00} worth of payments are lost. 
My money has been transferred from one account to another. I have requested almost 10 times on a recorded line that the calls be pulled between XXXX through XXXX, 2021 to see exactly what I stated and how my payments were processed. I have spend over a hundred hours out of my recent days attempting to address this. I am an honest person and good customer. My account has never gone into collections. However, I do not have {$220.00} to give away.

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 2021-04-21
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage servicer, dba. Mr Cooper, did not pay my XX/XX/XXXX property taxes despite having escrow to cover the amount. On XX/XX/XXXX, I contacted my town tax collector and I was informed the taxes were not paid, triggering a {$140.00} penalty. I contacted Mr. Cooper on XX/XX/XXXX to inform them of the tax payment not being made plus the penalty and I spoke to XXXX in the Escrow Department. She informed me she would escalate the issue and pay the delinquent taxes and the penalty. XXXX assured me the penalty would not be paid from my escrow account. On XXXX XXXX I contacted Mr. Cooper again and spoke with XXXX. XXXX informed me that the tax Department has submitted a tax verification request to the county and they would pay the taxes when they received a response. XXXX apparently did not like my characterization of Mr. Cooper 's customer service as poor and she hung up on me. This mortgage was completed in XX/XX/XXXX with XXXX XXXX  XXXX. Despite XXXX XXXX  including the XXXX tax payment in it's escrow calculations, XXXX XXXX  failed to pay the property taxes on time resulting in a tax penalty just under {$100.00}. XXXX XXXX  sold my mortgage to Mr. Cooper without reimbursing me for the payment of the tax penalty for not paying the taxes on time. Mr. Cooper has now missed the second property tax payment and my home insurance is due next month. It would be safe to say I have no confidence in Mr. Cooper fulfilling it's obligation with my escrow payments. Mr. Cooper representatives informed me multiple times they would not ease the escrow requirement despite their failing to properly apply escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
State: OH
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:
My servicer ( Navient ) made false promises and gave me bad advise as to how to handle my loans, servicer agents steered me towards deferments and forbearance 's that lasted for years driving up the interest and fees on my student loans to a very unmanageable amount, when I was finally given an IRP they signed me up for a 2 year contract and X amount per month but after only a few months they raised the monthly payment way above what I could afford. I filed a complaint with the Ohio attorney generals office in early 2017 ( complaint # XXXX ). The practices of NAVIENT are very deceitful and misleading putting me into a financial situation I will never be rid of in my lifetime causing me to incur a lower credit rating and making retirement an impossibility this late in life. Navient 's illegal business practices has literally caused my to have tens of thousands of dollars in interest and late fees added to my original loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: CA
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:
I had a promotion of 0 % APR till XX/XX/XXXX. On XXXX, I paid my balance IN FULL ( billing period XXXX, due date XX/XX/XXXX ) on XX/XX/XXXX, before due date, to avoid interest charge after promotion ended. However, in my next statement ( billing period XXXX XXXX, I was charged {$54.00} interest for my purchases happened XXXX. The way they calculated interest and promotion is super tricky, I got charged interest event hough I paid my XX/XX/XXXX balance in full. Agent told me I need to pay in full for everything happened before XXXX, which is when the promotion ended. This is ridiculous, they are using statement cycle and promotion cycle at the same time, which is super unclear to me. Also, to my understanding, I should not be charged interest as long as I paid off statement balance, however, it's not the case under this condition. Citi confuses me with the way they calculate interest and don't refund me the interest. 

I talked with 2 different agents from Citi already, they can not help me solve this problem ; I also filled a complaint on BBB, haven't heard anything from Citi yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I sent Wells Fargo a certified letter on XX/XX/2016 for validation and proof of the account that they 're claiming that I had with them for a auto loan. Wells Fargo has failed to provide me with the necessary information proving the burden of proof that the account belongs to me within the XXXX days by law that is allowed by the FCRA. They 're reporting twice on both XXXX and XXXX for the same account but with different amounts and XXXX using the name Wells Fargo auto finance and the other using XXXX Services. This is totally unacceptable and against the law and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-06-26
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I filed chapter XXXX bankruptcy -- chase bank was in the original filing. my paycheck went direct deposit and cleared the arrearage but a few weeks later the account -- same account number that was declared went back into a negative status. I have been fighting back and forth with them for months and I am at my breaking point. I want to know how to sue? this account is in the bankruptcy and chase is now violating federal law. for over a year I have not been able to get a bank account because of this and I have to take this to the next step

Company response to consumer: Closed with explanation