BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX/XXXX/XXXX I bought 3 X 5 year CDs from Fifth / Third Bank ( Required was a savings acc. with a {$1000.00} minimum and a checking acc with a {$500.00} minimum ) XXXX/XXXX/XXXX my savings acc.  charged 2 X {$5.00} / My checking acc charged 3 X {$5.00} both for 'dormant fees ' No notice or warning was given. I 've never heard of a dormant fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: AMA Advisors, LLC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore, I was unable to speak with anyone there either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Kehoe Financial Group, LLC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This phone number has made numerous calls to a phone number that is not and never has been registered to my name. They have on multiple occasions left my personal details on an answering machine that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
To whom it may concern, I would like to establish a formal complaint against USAA Bank. I submitted an application for a VA loan ( refinance ) and was mislead throughout the full process. I was pre-approved and submitted all associated documents as requested. After having everything submitted and reviewed, they had me conduct an appraisal and a termite inspection. About 7 weeks into the application process I verified that no other documentation was needed and they confirmed that my loan was clear to close. I then received the final disclosures and then was asked via phone if I wanted to roll over the closing costs since I had enough room to roll that over. I was then transferred to a loan officer and then they started reassessing the loan and then determined that I was no longer approved for the original amount which makes no sense. There was no transparency and caused me financial harm by paying for a termite inspection and appraisal. I am also a partially XXXX veteran and feel that they may even have discriminated against me. 

I am also truly concerned because they sent an adverse letter to me after talking to the loan processor. No options were given to me such as the possibility of putting down a larger down payment or anything. This was the worst experience by far with a financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I originally received a phone call from Harris and Harris ( debt collection company ) on my home phone. When I called back they said it was for my son who has not lived at our address, or in the same state, for 10 years. I asked him to call them which he did. He never got an answer. He said he has no debt, has never received a letter of collection. Now I am getting the same calls on my cell phone ( XXXX ). I always have the same recording which says they are debt collectors and to call them. I called them today. You do n't get a live person to speak with, just a voicemail you can leave. I left the message that I would be filing a complaint against them today. I also do not have any debt and have never received any past due notices for anything. This appears to me to be a scam to collect money from unsuspecting consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Pacific Rim Alliance Corporation
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called repeated times, claiming I owe a debt from Checkmate Payday Loan. I do not recall ever making this agreement, I asked them to send me the original contract, they refused saying to go a website and I can get it there. I asked them for the physical address and licence number and they refused, stating that it is security protocol. I asked to speak to a supervisor and they kept putting me on a silent hold then a hard hold. They are calling my family saying I owe this debt and trying to collect it from them. I explained to them that they need to stop calling my family, they have my direct line and I have answered every time, they refused. They said they would " keep on harassing me until the debt is paid ''. I have asked for the burden of proof 6 times already, they refuse to send it. I downloaded the cease of communication notice and sent that to them today, XXXX/XXXX/16. They are very aggressive and will not stop their harassing collection techniques.

Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 settled the XXXX with account number ending XXXX. This account has been paid in full.

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 2016-02-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency : Midland Credit Management , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Alleged claim of debt amount : {$1200.00} Their assigned account # : XXXX Their claim of representation : CitiBank/Sears Midland Credit Management has written to me on XXXX separate dates demanding I pay their claim of alleged debt. Each time I have replied, in writing, that XXXX validate their claim of debt and prove they are licensed/registered to collect debts in the state I live in. Each and every time I have sent my reply Midland has ignored/refused to validate their claim of alleged debt. 

In addition they have called me on numerous occasions despite being advised in writing not to call me and to handle their alleged claim in writing. I have all XXXX copies of the demand letters they have sent me and all XXXX copies of my written demand to validate their alleged claims including XXXX certified letter receipts signed by Midland associates proving they have received my demands. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Late fee

Complaint:
When Costco changed from XXXX XXXX cards to Citibank Visa, the balance from XXXX was switched to Visa without notice. When first Citi Visa statement was received, there was a late fee. Several other friends/relatives had same experience. Just received latest Citibank statement that included late fee and interest. Our bank transferred funds to Citibank XXXX/XXXX/17 as the statement had XXXX/XXXX/17 due date. Customer Service rep said the bill was actually due XXXX/XXXX/17 in spite of due date XXXX/XXXX/17 being clearly printed on statement. They reversed charges upon complaint, but many customers wo n't bother to complain. Believe Citibank practices are a scheme to defraud customers. Fraudulent business practices likely result in many XXXX of dollars loss to customers annually.

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 2016-12-07
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against 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 2016-10-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
There has been an issue with my Citibank account that I 've had with them for 3 months. I was mailed this offer by them that clearly stated that there was 0 % Intro APR for 18 months on balance transfers and purchases, however, I 've been charged interest on the card for my purchases, when it, again, clearly states that I was to not be charged interest for 18 months. When I called them, I was told that no interest was only for balance transfers and not his purchases, and AGAIN, the mail that I was sent by them STATES " 0 % INTRO APR FOR 18 MONTHS on balance transfers and purchases ''. I was then transferred to a supervisor who was literally no help at all, and who had the audacity to telle that in order to fix THEIR problem, I needed to mail in the letter that THEY sent. I 'm not really sure how that even makes sense, considering this was an offer they mailed out, not something that I made up. I got so fed up with this nonsense that I ended up paying {$2200.00}, along with another XXXX something dollars in interest which he did n't even have to pay for another 18 months, and closing my account with them. This was incredibly fraudulent of them. They are practicing false advertisement.

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 2016-01-24
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX  XXXX  within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Why, if you are reporting the account as paid timely in XXXX XXXX to XXXX XXXX, are you then reporting the account to XXXX and XXXX as paid 30 days late in that same month of XXXX XXXX. Obviously both statements can be true so why are you confirming to the credit bureaus that you have investigated this account and both of those statements are true? 
Additionally, you are reporting the account to XXXX XXXX as late for the months of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX and XXXX you have reported these months as paid on time. 
Additionally you have reported to XXXX XXXX that the account was paid on time in XXXX of XXXX then the next month in XXXX XXXX it shows as 60 days past due. You claim to have " investigated '' and found this to be accurate. If you can explain this accounting of timely in XXXX then 60 Days late the next month in XXXX, I would love to hear that explanation. 
Finally, your correspondence of XXXX XXXX, XXXX indicates that the account was late 3 times 30 days or more. If this is accurate, why did you subsequently verify to the credit bureaus the 60 day late payments in XXXX and XXXX of XXXX? 
I am asking for them to remove all negative late payments because they failed to perform a substantive investigation, in fact any type of investigation would have uncovered these discrepancies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.

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 2015-06-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?

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