BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.

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 2022-08-29
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Since opening account with Navy Federal Credit Union in XXXX, I suspected that my funds being deposited were stolen in small quantities throughout account opening and closing of account approximately XXXX. Since then, I have obtained access to mortgage account history that appear to confirm my suspicions. I ask that you please review all payments received by Navy Federal Credit Union that occur prior to and after monthly loan payment made. It appears that multiple payments are made to mortgage accounts. Also, please pay special attention to transactions occurring on due date XXXX date processed : XXXX, XXXX, XXXX for {$1000.00} per transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, INC.
State: NM
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:
XXXX  EQUIFAX XXXX  REPORTING FTC VIOLATION ON THIS XXXX XXXX XXXX XXXX THAT IS NOT MINE OR NO KNOWLEDGE OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2016-10-24
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My mortgage originated with XXXX which was taen over by Wachovia. I got a refinance loan from Wachovia. When Wachovia was taken over by Wells Fargo thid loan dissappeared. I called the bank day in day out looking for information about this loan. They could give me no information what so ever. I wanted to increase the payments in order to pay it off before I retired. All the secure emails relating to this problem were deleted, hence no evidence of my correspondence. I even sought my sister 's help as she lives in New York and could communicate more easily with the bank. Still no joy. i can honestly say I spent 4 years trying to get to the bottom of it. Then suddenly about a year and a half ago it appeared online with my checking account and mortgage details. Since the revelations about the ban I have gotten in touch with them again and have been told my account details have been forwarded for further scrutiny. It has not been resolved yet. I also transfer money internationally on a monthly basis and have been charged double for these transactions for ages. I complained about this last year and was once again fobbed, I would be most grateful if you could look into this for me as i am struggling to get this loan paid off and was unable to get payments increased before, so I feel it 's the bank 's fault that I am now left with this debt. Where did this loan disappear to for so long? I feel I am paying loan shark rates.

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 2022-02-24
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Va. At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, BB & T XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

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 2015-12-17
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This submittal is associated with complaint # XXXX in that this is the bank my check was written against. I had made a mistake in writing a check ( # XXXX ) to the assisted care facility for my mother 's care. The figure amount was {$2000.00}, however, the written amount was " XXXX ''. Wells Fargo Bank credited my account for the abovementioned amount. When they received the actual check the discrepancy between the figure amount and the written amount should have raised a " Red Flag '' as to what is the correct amount to credit my account. Previous checks have been written against my account for the figure amount ( {$2000.00}, XXXX thru XXXX ). When I questioned the bank 's Branch Representative of why this check was not denied. I was informed that they go by the written amount and not the figure. This I believe to be improper business practice because it might render a customer account in an overdraft situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called each bureau about fraudulent inquiries on my report Experian removed some XXXX said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX  ; Experian continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. XXXX XXXX XXXX continues to damage my Character and has caused a great amount of discreditability to my name. XXXX  and Experian continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Alliant Capital Management LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX call a third part number XXXX and left a voicemail, detailing what I need to do, but not Identifying himself as debt collector or what collection agency he works for. This third part now knows my personal business. XXXX XXXX also called my number, and on the caller ID it was masked as private. He leave a voicemail, but again did not identifying himself as a debt collection. The only thing he stated was, there was a compliant file against me and to call XXXX and reference # XXXX before further action it taken against me. XXXX XXXX then called me at work and identified himself only as XXXX XXXX and tried to obtain personal information about. I asked if he was a debt collector and not to call me at work. He replied " Yes '' and " Why? ' I explained I could be terminated and XXXX XXXX proceeded to collect on the debt after he was given this information. XXXX XXXX actions are harassing and believe this collector/agency has violated FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Cash advance

Complaint:
I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.

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 2023-02-23
Company: CCF Intermediate Holdings LLC
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:
PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with Speedy Cash. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that Speedy Cash has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with Speedy Cash. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that Speedy Cash takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, as previously notified

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
i have ask EQUIFAX, XXXX, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, 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:
inaccurate information is not known to me to the best of my knowledge XXXX XXXX XXXX {$1500.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$1300.00} Needs attention HIGH IMPACT  XXXX XXXX XXXX {$530.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$320.00} Needs attention HIGH IMPACT XXXX XXXX {$290.00} Needs attention HIGH IMPACT XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage through Penny Mac. This loan was an FHA loan with mortgage insurance. I paid off the loan on the XXXX of XXXX. I was charged mortgage insurance and interest for two months when calculating the amount needed for closing. Interest for XXXX and the entire month of XXXX though it was paid off on the XXXX within the grace period for payment of the loan and mortgage insurance supposedly for XXXX and XXXX paid in XXXX and XXXX, again the payoff was received within the grace period for paying the payment. 
Also I analyized the escrow account for the entire period of the loan and the amounts paid in the the escrow plus the initial amount in from loan inception, less payments made do not come to the total refunded to me after closing. 

I would like someone to review the mortgage as I feel I have not received all of the funds due when the loan closed. 

The loan number is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. 
XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On   XXXX   XXXX    2017 I no ticed my credit went from  XXXX  to  XXXX  with   XXXX   and from  XXXX  to  XXXX  with  XXXX  credit reporting agency. This is eroneous reporting coaused by  Capital One credit card. Capital one was erroneously   reporting that I was using between  12  and 29 % percent of my credit for the month of may. I only actually used 8 %. I spoke to Supervisor  XXXX  from  Capital one o n Sunday   XXXX   XXXX   , 2017. I as ked her to send a notification to the  XXXX  credit buruea reporting agencies. She stated that she would but I never received any email confirmation of this. Capital one created this mistake with the credit buruaes knocking my crddit down. I need this fixed ASAP as I am in the process of fianancing a Town home awaiting approval for a VA home loan. The mistake with capital  one occurred when they credited back my account for   {$200.00}, but wrongfully put this credit as a debit on my credit limit. Subtracting the the amount from my credit l ; imit instead of addin g to it. Total INCOMPETENCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.

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 2016-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX I placed an order with XXXX ( Order # XXXX XXXX for {$210.00}. 
Unfortunately, the item was received damaged and XXXX issued a return. They claim to initiated a refund on XX/XX/XXXX to my original source of payment, which was my debit card issued by Chase. 

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 
So since the refund was issued after the account was closed, Chase claims that they would not be able to locate the refund and issue a credit. XXXX claims that Chase would be able to do that. 

After making several phone calls to both companies, both reps and supervisors on both ends kept point fingers at who would be responsible for issuing me a check refund. I even had supervisors from both companies conference in two times and they could n't agree on how the refund will be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citizens bank had messed up and the calculations of things taken out and the proper time line which caused fee after fee the whole amount of {$1700.00} is all fees and the sent it into collections.The fees also ate {$800.00} before it started collecting more.

Company response to consumer: Closed with explanation