BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
We have multiple personal and business accounts with Citizens ' Bank. One of these accounts is an equity line of credit. It automatically deducts the interest to pay off the account from our checking account monthly. Any principal has to be paid separately which we've been doing on-line via the Citizens Bank website regularly. When I tried to pay the principal from the Transfer tab of their website today, it no longer provides an option to pay off the principal! After calling customer service, I learned that I can now pay using their new system on their website transferring from my checking account, but my intended principal payments will go to interest and be 'held ' until the monthly date the principal is paid off and then any balance paid to my principal. Are they actually allowed to do that? 
My other choices include : write a check, call and make a payment, go to a branch, or go to a completely separate URL and enter personal information. There is no place on this new URL that indicates what they will do with your personal information or its relationship with Citizens. All of these options are ridiculous and the one they suggest- going to this other URL is possibly unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As a secondary owner of vehicle financed through the company. Shortly after financing I was XXXX  years of age. The co signer and First owner returned vehicle to loan company due to court order being in affect. Child custody order. Co signer and first owner returned vehicle due to having to turn it over during court of child custody. I called loan company and asked if can get possession of vehicle and continue to make payments. Loan officer advised me I could do that but if custody battle was hostile co signer did not have to turn vehicle over to me and could still possess title. Vehicle was never mine. Was only signed on loan to help build credit as I was starting out. I tried to take ownership of vehicle to keep credit in good standing. Loan officer advised me co signer would still get possession of title and vehicle if I made the payments throughout the loan. Was advised to appear in court to have my name removed from vehicle. Never received court date nor documents on when to attend. Would like this debt removed from my credit considering it has been several years. I have filed disputes and can not get the vehicle removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this account several times and the results on XX/XX/19 came back that XXXX  and the company deleted this account from my credit report. Now this company is back reporting it after deletion how can I get this resolved? I do not owe this and this company sent me paperwork with false signatures on it. I want help to keep this account deleted this is unfair collection acts.

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 2017-08-10
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I received a letter from Citi bank ( reference # XXXX ) stating a refund of {$150.00} was credited to my Citi credit card. The date range for the charges on the account regarding Citi Idenity Monitor from XX/XX/XXXX to XX/XX/XXXX. I had an active credit card during that time frame. However I had to file bancruptcy in Federal bancruptcy court in XX/XX/XXXX and debt was disolved in XX/XX/XXXX. I have called the contact phone # listed on the letter plus other numbers given to me by Citi bank associates only to have the letter read to me over the phone. I was also given a website : XXXX XXXX but when I put the letter reference # and my last name the data base did not recognize the information I submitted. I am getting no where with this refund that is due to me. I no longer have an account to credit a refund to and the debt has been disolved. Your agency is listed in this letter stating that Citi made an agreement with your agency to refund certain customers who were charged for a service they were not enrolled in. I fit into that criteria. I hope you can assist me with this problem because I have been getting no where with Citi bank even after I spoke with a supervisor requesting a refund check. I look forward to hearing from you and getting your assistance in this matter Sincerely, 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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, the following have violated my rights. 

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 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 an 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 2019-11-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 Sears Mastercard by Citibank charged me {$5800.00} in deferred interest for two promotional items that were paid off prior to the promotional expiration dates. The first promotional item was paid off on XX/XX/2019, 19 days prior to the XX/XX/2019 promotion expiration date and the second promotional item was paid off on XX/XX/2019, 6 days prior to the XX/XX/2019 promotion expiration date. I specifically allocated payments for these two promotional periods. This deceptive and abusive act put me over my credit limit and severely impacted my credit resulting in a 36 point decrease in my credit score. After two calls to speak with a supervisor, the creditor  eventually reversed the fees, however the damage to my credit had been done, and over a month later my credit is still impacted. This creditor 's mismanagement also negatively affected my ability to refinance my mortgage which I had planned to do while the rates were historically low. The high balance reported to credit bureaus from XX/XX/2019 to now has still not been corrected. This is the second occurrence since I opened the card that this creditor has incorrectly charged deferred interest for promotional items. I believe this is a violation of the federal consumer financial laws.

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 2022-01-12
Company: Receivables Performance Management, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2017-06-27
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.

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 2021-04-14
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to purchase a XXXX from XXXX  and the person kept giving me the run around after I already sent him money and I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Information belongs to someone else

Complaint:
I wrote to Experian, XXXX XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my numerous endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud.Pursuant to Section 605B of Fair Credit Reporting Act this unknown item must be deleted : XXXXXXXX XXXX XXXXXXXX

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 2022-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I regularly monitor my credit reports due to identity theft that Ive been having is I deal with for several years. I got an alert that there was a collection for a doctor in Florida, but I havent been to any doctors there or even been to that state in many years. 
I contacted the collection agency and sent them copies of my ID theft report and police report. I even sent them proof of where it was at the time the person who was impersonating me was seen at the hospital. They still refused to remove the fraudulent debt from my credit file. 
I then contacted the credit bureaus and sent them the same information. All they did was notate that it met FCRA requirements, but its still showing on my reports.

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 2017-10-07
Company: Radius Global Solutions LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me after I told them to stop. They will not tell me what they want without providing personal information.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from 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 2022-06-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
company close account for no specific reason

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 2022-12-15
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
replying to case number : XXXX XXXX XXXX XXXXXXXX is Continuing to break federal law. I never refused to pay but only asked for debt validation pursuant to 15 usc 1692g which was sent to their company, and they never responded with the documents validating this alleged debt. No contract or agreement or anything. When I filled out this agreement I was not informed on basic facts, such as you needed two consenting parties to make an agreement. That I needed to understand what was in this agreement it had to be clearly and conspicuously explained to me to know what I was agreeing to, which they did not do. I was supposed to make an informed decision pursuant to 15usc1601 ( a ). I made an uninformed decision onXX/XX/2021when there wasn't any evidence of indebtedness, the only evidence of indebtedness was the agreement but because it was an uninformed decision that agreement is null and void. The agreement never served as adequate notice because the agreement never set forth those pertinent facts clearly and conspicuously to me where I could notice it and understand its meaning pursuant to 15usc1602 ( k ). XXXX XXXX XXXX then sold my nonpublic information to RESURGENT capital services, and they admitted to purchasing it. These companies have been damaging my reputation by reporting inaccurate information on my consumer report advertising it to the public and I don't know who is seeing it. I am tired of being a victim of these criminal acts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my 2nd complaint in regards to this collection. The original complaint : XXXX, concluded that Collection Information Bureau , Inc. will resend account statement of collection. I contacted the company requesting the ORIGINAL invoice document. I was informed that the original amount was {$25.00} plus accumulated interest and the documents had been sent some time between XXXX/XXXX/XXXX to date. I advised that I DID NOT receive any documents until XXXX/XXXX/XXXX as a result of completing a credit check and noticing said account indicated as collections on my credit report with one credit bureau and not the others. The employee arrogantly informed me that notices were sent in the past ; however was unable to provide specific dates of when notices were sent out to me. She arrogantly stated, " We are not going to keep sending letters! '' I asked if the document was sent via certified mail and the employee responded that mail is not sent certified from their company. She also informed me to send a money order to the address listed and then I will receive an invoice receipt. I refuse to send a payment to an organization that has failed to provide the ORIGINAL invoice that is not dated 5 years later or the originating proof of said account, as this is my right as a consumer. I am requesting original documentation from doctor indicating amount, as I have always had health insurance and doctor 's offices do not render services unless co-payment is paid first, as well as proof of date the notice was sent. I also noticed that this collection agency had an incorrect mailing address on the summary of account that was just mailed to me after I submitted the original dispute. During my telephone contact today ( XXXX/XXXX/XXXX ) is when my address was corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank reorders transactions in order to increase overdraft fees. High charges on account were not shown to be pending, and later these charges were suddenly posted when the account 's fund was at its lowest, triggering back to back {$35.00} overdraft fees on charges as low as 4 dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-13
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
It has taken far longer than initially estimated to close on my home equity loan application and I have not been given an estimated close date from Navy Federal Credit Union. I am at a loss on how to complete this application and have already spent over {$500.00} on a home appraisal required to complete the loan. 

I have reached out to my loan processor and both of her immediate managers with no response on estimated closure dates. The only response I receive is that the loan is in final review with underwriting. 

I first applied for this loan on XX/XX/2022. Advertised processing time was 30-45 days but due to increased demand, loan processing was estimated to be 75-90 days. I am now over 150 days into this process. Due to statutory requirements, our credit has had to be rerun and income reverified due to these delays. Please help me resolve this issue, bring the needed attention to my application and compete this loan request. Thank you!

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 2017-10-17
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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint to this body regarding Experian wrongfully reporting a bankruptcy on my credit report and disseminating that incorrect information to creditors. Since I have been challenging Experian on these matters my credit score has been on the decline, dropping 55 points since XX/XX/XXXX. I believe I am being retaliated against. Following my complaint Experian responded by stating they had investigated and that no bankruptcy was listed on my credit report and that Experian was not reporting a bankruptcy to any financial institution. In support of their claim, Experian sent me a clean credit report devoid of any bankruptcy. The screen grab attached refutes Experian 's claim. Credit Check powered by Experian reported as of XX/XX/XXXX that my FICO Score was a XXXX. The source listed is Experian. The number 1 factor influencing my downward score... 
" There is a bankruptcy on your credit report. '' Credit Check powered by Experian reports to XXXX on a monthly basis. XXXX is one of my creditors. Due to the false reporting by Experian, I have had deleterious actions taken against me. On information and/or belief, Experian 's actions are deliberate. They advised this body they were not reporting a bankruptcy on my report, they send me a clean report giving me the impression the bankruptcy is deleted but continue to send information to my creditors that a bankruptcy exist on my credit report... .an elaborate ruse to defraud and mislead. Experian is disseminating disparate credit information to financial institutions.

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