BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: NY
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:
After several years of being an excellent Citi Double Cash cardholder with zero late or missed payments, Citi closed my account on  XXXX   XXXX ,  2017. The y did not provide warning or notice and I was not given any explanation as to why they closed my account. At the time of closure, I had an accumulation of {$7300.00} in unredeemed cash rewards. The earned amount was confirmed by Citi on my  XXXX   XXXX ,    2017 sta tement and through their phone system on  XXXX   XXXX ,  2017 ( se e attached transcript of phone call, also recorded on an audio file ). However, when I subsequently attempted to redeem the rewards, they claimed that my cash rewards would be forfeited since the account was closed.     Citis withholding of my earned rewards is a blatant breach of our covenant of good faith. I earned the {$7300.00} in rewards according to the rules outlined in their marketing and promotion campaign . Citi  engaged in widespread media marketing campaigns to promo te Citi Double Cash. T he reward card was promoted as having cash rewards that never expire. Howeve r, Citi is now  claiming that the cash rewards are forfeited if the account is closed. In other words , if Citi decides  they dont want to pay an accrued liability, they can simply close the account for no reason. This can not possibly be lawful in the letter nor spirit of contract law.     My credit card account was terminated, even though my account had never been in default and I never missed a monthly payme nt. Citi stripped me of rewards cash that I had earned, without any form of compensation. This is clearly a situation where Citi is tryi ng to avoid paying a liability they owe.

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 2020-03-24
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Due to a current crisis in the US ( COVID 19 ) I'm unable to work due to a XXXX 's governor order " Stay home '', thus I called them to ask for an extension, they offered me 1 month extension however this money will be added to the end of my term which is fine, PLUS they make me liable for an APR for the current month, I want you to understand this is not me who caused this crisis in the country and thus I refuse APR which is 18 % ; associate on a line spoke to a manager and  they refused to waive the APR for the current month. I'm not using their car this month and it just sits here parked, they are trying to take advantage of a situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: WELLS FARGO & COMPANY
State: NY
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 was scammed with XXXX  {$900.00} and my bank not XXXX  want to be responsible for this they just tell me their is nothing they can do and its to bad horribke experience so Im supposed to get robbed and not be reimbursed by my bank which XXXX said they can take repaibookity this is the first time as a final bank courtesy and reimburse refund my account the {$900.00} but they chose not to and tell me no

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 2015-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
Initially contacted Experian to see personal id info as part of Social Security account initiation process. SS told us to use info as listed with Experian for id verification. In the process inadvertently signed up for their service. Their website has no link to cancel service and very long waits on the phone to get service. 
By the time we finally reached someone the 7 day " trial '' period had passed and we were charged for a month of service. It has been less than two weeks since we initiated the service. They would neither refund nor prorate the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: MA
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:
They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Bank of America. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Bank of America barely tried to help me at all. I want to try to do a " chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. 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 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was taken over by XXXX XXXX XXXX in 2015. When they took over they notified me that our previous lender, Bank of America, had not applied our payments to our loan for at least 2 years. Because I am under Chapter XXXX bankruptcy I am protected AND BOA sent me a statement each month showing payments were received and I was paid in full each month. So I reached out to BOA and they sent me my 2 year payment history - I 've looked through it and ca n't figure out where my payments were sent. BOA denies any fault however, XXXX XXXX refinanced my loan to catch the loan up and make up for the 2 years of missing payments. My problem is I ca n't get BOA to accept fault and tell me where my payments went. I 'm even considering getting a lawyer involved but I do n't want to if I do n't need to.

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 2017-03-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX/Navient Accepted promissory notes that were fraudulently filled out, one of which had the student name incorrect. They also applied payments in a manner to ensure that loans would enter into default, as well as " finding '' an additional payment in XX/XX/XXXX and back dating it to XX/XX/XXXX without any adjustment towards any interest or payments that the payment would impact regarding current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has been with Fifth Third Bank since XXXX. My mortgage payments were {$2100.00} which included my taxes and insurance prior to XX/XX/XXXX. I received a over escrow check in XX/XX/XXXX from the mortgage company for over {$1000.00}. On XX/XX/XXXX I was notified by the mortgage company that my escrow was short {$3800.00}. They increased my mortgage monthly payments from {$2100.00} to {$2500.00} ( a increase of {$480.00} per month ) After talking to several customer service representatives I was told the mortgage company miscalculated my mortgage escrow. I was furious! How can a mortgage company miscalculate someone mortgage to this magitude! i wrote them a letter to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EXPERIAN has a slew of inquiries on my credit report that don't belong to me and should be removed immediately ... ..I have had problems disputing these directly with the creditor and the credit reporting agency. I keep getting the run around ... .these need to be removed. 7 out of the 11 inquires should be gone! Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and 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 2017-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have contacted transunion several times regarding this debt, this case was dismissed by the bankruptcy court on  XXXX / XXXX / 11 . I have also faxed transunion documents from the court showing case was dismissed and they still fail to remove this negative account from the department of Treasury from my credit file showing a debt for over {$6500.00}, the original debt is showing {$3900.00},  XXXX  and  XXXX  removed it and transunion still has this government fine on my credit report.

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 2020-03-24
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a Debt validation letter to MSB MUNICIPAL SERVICES BUREAU. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MSB MUNICIPAL SERVICES BUREAU did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MSB MUNICIPAL SERVICES BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a few months since they put the debt on my credit report and More than 1 month since I requested validation. This isn't my initial time filing a complaint on this company, I filed a CFPB complaint before and it was deemed unauthorized and removed from my credit. Evidently, they have marketed the account to another creditor and creating further efforts to collect on a debt that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase Auto Finance refuses to let me make extra principal payments on my loan via online bill pay service from my bank. The demand that I either send a paper check or use there website for principal reduction.Online bill pay like i do on all my debts would result in them treating it as prepayment for future months. This prevents me from trying to save interest and pay down my loan balance faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
They would not open bank account because of report form XXXX XXXX bank.meaning.c Chase XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card opened in my name but I didn't open an 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 2017-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received a call at  XXXX   XXXX  CT from  XXXX , a representative  of Portfolio Recovery  (  XXXX  ). I asked that the company not call me which was greeted with an ended phone call. I immediately called back (  XXXX  ), and when I asked again to be removed the representative demanded that I give my first and last name when I call back and then hung up.     I do not want them contacting me over the phone. Any and all business they have can be done through the USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MA
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 XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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, XXXX XXXX account # XXXX, has violated 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 2022-09-01
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filling a complaint against the CCS companies which is a collection company. They were attempting to collect a debt for XXXX XXXX  which I left months ago and shouldnt have been charged in the first place. I moved to another state. CCS had my phone number on file and never attempted to contact me to collect this debt which is a petty amount that I would of payed if I knew. But instead they messed up my credit. This company is very lazy and makes no attempt to really try to contact customers. They claimed they sent letters. Well I moved, at least try to call the customer since you had the right phone number on file. I had to try and find out who they are and call myself to settle this once I saw it on MY CREDIT REPORT. This company is useless, greedy and very lazy. Put them out of business CFPB. They have a XXXX stars on XXXX and every customer is complaining about the same things.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint:
My financial life is under attack. 
The bank gave me a credit line of over draft protection and some sicko system has gotten its hands on it's algorisms. 
It will not honor the protection the account was assigned. 

Also, in addition of this, XXXX was refunded by the merchant regarding a failed attempt at travel, with the company on the XXXX. XXXX stated their was issues getting trains out of the XXXX South Carolina Area. Did issue the money and within a day the bank told me it was pending to go into my account. 
All of a sudden on the XXXX the money has disappeared and the only thing they can say, is that it will hit the account some time. At this point I now believe there is a thief at the bank using customer 's money and then putting it back when and if they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at University of XXXX and received a loan in XXXX when I completed my education and it came time to pay I deferred my loans because I was having difficulty but citibank would not defer so the account ended up being charged off. I tried to call and make arrangments because on my credit report they say I am charged off but they are still charging a past due fee of about XXXX every month on my account. The representative on the phone says the company does not accept payments anymore but the account is still theres and they can charge because I havent made any payments to them, and they havent for a long time they contract out and gave me the number to a collection agency. Now I went on the website and you can make payments but it says I dont have any active or full disbursed loans, so how am I still getting charged for an inactive account that they will not accept any payment for?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus Experian, XXXX and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX Closed XXXX XXXXXXXX XXXX Closed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX/ XXXX : XXXX Closed XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Closed XXXX XXXX XXXX XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX/ XXXX XXXX CLOSED 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 non-monetary relief