BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed a credit card with Citibank on XX/XX/XXXX. The choice of this date was purposeful, as the membership fee the prior year ( XXXX ) was charged on XX/XX/XXXX ( screenshot attached to this complaint ). I wanted to end the account before the next annual charge. Note that the membership fees are prepaid for the year following the charge, as can be seen by the description of the charge " MEMBERSHIP FEE XX/XX/XXXX'' charged in XX/XX/XXXX, thus on the day I closed, I did not owe Citibank anything XXXX 

I closed the card via phone on XX/XX/XXXX, and was assured by the representative that I would not be charged an annual fee. Citibank sent an email confirming cancellation on XX/XX/XXXX ( attached to this complaint ). Furthermore, at the time of closure, my balance was XXXX and there was no membership fee charged ( I have a screenshot to this effect, as I suspected this would be an issue, given their prior customer treatment ). 

The following day, on XX/XX/XXXX, I was charged a {$95.00} annual membership fee ( which they backdated to XX/XX/XXXX, I have a screenshot showing no charges on that date prior ), despite the account being closed, and despite being assured that I wouldn't be charged. 

I called Citibank back on XX/XX/XXXX, and was told that I would be given a credit on my account to offset the charge. Several weeks later, as of XX/XX/XXXX, I have received no credit to my account, and will be forced to make a payment or have a derogatory mark on my credit report for missed payment. 

On XX/XX/XXXX, I called citibank, and was on hold for XXXX minutes, then a representative hung up on me. I am continuing to get in contact with them, but can not get a hold of anyone who will help me. The representatives can not or will not do anything to 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 monetary relief
Consumer complaint received 2017-04-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I disputed a merchant charge on XX/XX/XXXX for {$1900.00} transaction date XX/XX/XXXX. The merchant failed to honor the contract to install a custom sliding glass door, leaving it installed incorrectly, incomplete, and unwarrantable. The merchant 's would only agree to fix and " reinstall '' the door, which is not warrantable based on the manufacturer 's warranty. I submitted ample documentation supporting this fact, and that the door is completely worthless to me and the amount should be charged back. I received a letter from Chase dated XX/XX/XXXX stating that their investigation learned that the merchant provided the product/service for which I was billed ( which is not true ) and that they considered the charge valid. This was the only explanation provided. I contacted Chase Cardmember Services and spoke with employees and supervisors for about 45 minutes. They could not answer any of my questions about the reasons that they did not advocate for their customer ( me ) over the merchant. All they could say is that the dispute had been closed, could not be reopened, and I could resubmit another dispute. I explained that resubmitting the same dispute would be counterproductive and could result in the same outcome. I told them I needed them to provide more specifics so I could understand why they did not advocate for my position, and provide any additional information to support my case if I had to open a new dispute. I also told them that I was dumfounded that they did not give me an opportunity to rebut any information they received from the merchant ( who has a history of lying ) before they closed the dispute against their good customer ( me ). The supervisor told me that they would send me a letter outlining the specific reasons that they did not advocate for me, along with any information received verbally or in writing from the merchant. It has been 4 weeks and I have not received anything. I also went to my local branch manager and they could not help me. They told me they reported this to the Chase executive office in NY, but I have not heard anything from them. I 'm hoping that a CFPB complaint will compel Chase to respond to their customer 's concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Convergent Resources, Inc.
State: CA
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:
The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX as a result of an Satellite dish that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX on XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by Convergent Outsourcing ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the Office of Personnel Management, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by Convergent Outsourcing. 
Later on XX/XX/XXXX, I received a separate notice from XXXX requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.

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 2021-06-01
Company: EQUIFAX, INC.
State: NY
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/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paypal calls multiple times every day and doesn't leave a message. On XX/XX/2021 they called me at XXXX XXXX which is inconvenient to me, prior to me being at a funeral.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX I was recently a customer with chase bank. I had a roommate living with me for a significant amount of time and I had no knowledge that she had been keeping a note book of my information as well as stealing my cell phone that had information stored in it. She stole my phone and essentially used it to make 2 separate XXXX XXXX  she use this information to steal alot of money from my account and leave it over drawn. When I became aware of this I disputed the transactions. There were so many that it was done in several claims. In 5 or 6 I believe the disputes where mostly ruled in my favor but there was one that was not totaling XXXX dollars they closed my account and said I owed them these funds. My issue is that I don't understand how they could determine this if Evey other dispute was ruled in my favor it make no sense that I was denied this dispute but in every situation it was all the same information provided and nothing more. They also told me my account was closed but still accepted my work check into the account. Leaving me with out money. In my savings account I still had XXXX dollars they just took that money never issued a check and never subtracted the XXXX from what I supposedly owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Account status incorrect

Complaint:
I contacted Equifax roughly around the beginning ofXX/XX/XXXX through their online dispute resolution center regarding a tradeline they indicate as still open even though the tradeline has been closed sinceXX/XX/XXXX. I performed a dispute of the tradeline XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, LA, XXXX, XXXX ( XXXX ) XXXX ). The dispute response was : " ACCOUNT HAS NOT BEEN CLOSED. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *Additional Information *Credit Limit *Scheduled Payment. I contacted XXXX, and they confirm that the tradline has been closed. The updated information for the tradline Equifax provided also shows both the date of last payment and the data of closure as XX/XX/XXXX ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Global Lending Services LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to work with my car loan company Global Lending Services for months. The company is reporting on my credit report that my car has been repossessed for almost a year, since summer XXXX Its now XX/XX/2021. Ive called and written the company. Ive sent my billing history from their website along with receipts. I have disputed the claims with credit bureaus with the same information including pictures of the car in my driveway. Finally I have hired XXXX to work to help with the problem. My next and last action is suing Global Lending Services, et all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 


However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2019-08-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have agreed with American express on payment plan, and we agreed that they withdraw the monies automatically from my bank account ( auto withdrawal ), I have already made 10 payments out of 12 agreed payment agreed upon ( agreed to pay all by XXXX 2019 ), then they send it to collection agency for FULL amount, the original agreements was still in-force and they should have not send it o collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I had XXXX fraudulent charges on my Bank of America Visa on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX were for XXXX, XXXX for XXXX. I contacted Bank of America to have these removed from my account on XX/XX/XXXX. They said they would remove them from my account, but I was unhappy with the customer service and canceled my credit card with them. I paid the remainder of my account balance, but Bank of America continued to bill me for the fraudulent charges. They started adding late fees to the balance as well as charging interest on the fraudulent charges. My balance should be XXXX. Product_Or_Service : Credit Card Visa Account_Number : 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 2019-12-17
Company: EQUIFAX, INC.
State: NV
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 requested these accounts to be deleted as they aren't mine in the past but they are still on there. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Acct # XXXX and XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to XXXX, FL XXXX XXXX XXXX on XXXX XX/XX/2022. Regions Bank representatives failed to appear. The Honorable Judge XXXX XXXX entered a Default Judgement in my favor and I was told to return XXXX XX/XX/2022 for a Final Hearing. Regions Bank representatives appeared for the Final Hearing and the judge vacated her Default Judgement and allowed the banks lawyers to proceed with their defense. Regardless of all the circumstantial evidence I presented to prove Fraud and Embezzlement on the part of the Regions Bank Teller, the judge agreed with the lawyers that they were not liable for the theft of some {$2300.00} because I had failed to discover the fraud within 30 days.

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 2017-04-16
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For approximately the last 10 years, I have been paying on a private student loan through XXXXNavient. I was the co-signer, my son decided not to pay the debt. The problem is from time to time I have tried to get a sheet to reflect the payments I 've made and current balance. To this day, I still have no idea what I owe. It seems like I 'm a cash cow for Navient with no end in sight. The company has refused to provide me with this information. Early on when this loan went into default I was pushed into forebearance option, informing me that my payment could be missed for 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: PNC Bank N.A.
State: MI
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 had four items coming out of my checking account within 3-4 days of each other. One withdraw was for a automatic payment to my overdraft account for {$25.00} dated XX/XX/XXXX. Two withdraws were for {$180.00} and one withdraw at ATM for {$60.00} dated XX/XX/XXXXTwo of the other withdraws were for XX/XX/XXXX at {$25.00} a piece. One larger one for {$400.00} was dated for XX/XX/XXXX.At the time there was {$100.00}  left in account on XX/XX/XXXX and {$88.00} in OD account, plus a upcoming payroll deposit of {$460.00} dated XX/XX/XXXX.The checking account was debited the {$400.00} amount first causing the other debits to come up short and causing 4 - {$36.00} OD fee charges. Then within two days of this incident a payment for {$45.00} was withdrawn, and I was charged for {$36.00} for a NSF fee. 
When I contacted the bank they had no viable information on how this happened or why it happened. 
During this time I had to scramble to borrow money from family members to cover shortage and extra fees that would be accruing. The bank charges {$36.00} OD or NSF fees plus {$7.00} a day for four days after transaction. This would have wiped out my upcoming pay period not to say that I was short half a payday for the next three weeks paying back my relatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-15
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Sometime between XX/XX/2019 and XX/XX/2019 I got a credit limit of XXXX at the dentist place it came to XXXX and when I left on a computer at the front desk it asked if I was going to make payments or pay it off in 6 months I choose payment I was making payments and it was not going down now it is up to XXXX this is totally messed up I was making payments just like that computer asked me and it was not even changing I want this fixed I am not a millionaire I live off ssi and sad XXXX dollars a month that is it what you guys are doing is not right fix what someone XXXX up on their end not me

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 2021-03-04
Company: SYNCHRONY FINANCIAL
State: IN
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 always paid my account on time every month thru the portal and website that the company provided and receive notice when they receive the payment. One month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2022-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My auto loan from Fifth Third Bank was opened on XX/XX/2022 and the first payment was due on XX/XX/2022. I made a payment from my external XXXX XXXX  account on XX/XX/2022 and they reversed the transaction XXXX XXXX later on XX/XX/2022. They do not send a notification that the payment had been reversed. I called XXXX XXXX and they say they have no incoming request from Fifth Third Bank. The Fifth Third Bank website is incredibly buggy. It says you can add up to XXXX external accounts when after you've added one it will not let you add another. Many times the payment errors out and you're required to clear cookies on the browser for it to work again. I tried to make the payment over the phone and they tell me my account can no longer be used but they can never give me a reason for that. They just say it is blocked even though I've use the account to pay all my bills. During all this time, the interest on my account is accumulating. I've tried paying this loan from XXXX different accounts and they all have issues with Fifth Third Bank. I'm incredibly frustrated because XXXXXXXX XXXX  says there is no issue with these accounts and they never have gotten any request from Fifth Third Bank for withdrawing money. It seems to be an issue with Fifth Third Bank. Many times the payment gets posted and then it's reversed a few days later all the while XXXX XXXX says they never received a request. Fifth Third Bank can not even give me an answer why it's happening. 

During this time, the interest on my principal is accruing daily and i'm still not able to pay through their website or over the phone.

Company response to consumer: Closed with explanation