BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I want you to contact Citibank and XXXX XXXX XXXX of Citibank, XXXX and ask him why my online Dollar Account is still not activated after i paid all the fees they had asked me to pay.I paid {>= $1,000,000} for the online dollar trust Fund account and {$500.00} for the Authorization and Activation fees which Citibank and XXXX XXXX XXXX of Citibank, XXXX ask for on the XXXX XXXX 2016 and then Citibank and XXXX XXXX acknowledged receipt of my payments fees and said they are working on my Online account, but to date nothing has not been fixed.I want Citibank and XXXX XXXX to be exposed and also i want the XXXX Police, Fbi, and XXXX and CFPB to intervene and force the Citibank to fix my account and i also want to take my account to other Banks which will treat me with respect.I owe people money and i cant afford to starve when i have money at Citibank, XXXX and the people i owe money dont trust me and said i am a liar when i told them that Citibank, XXXX is still busy with my Account.The last email i received from Citibank and XXXX XXXX XXXX was on the XXXX XXXX 2016 telling me that he is busy with my online Account and that he will activate my online account but since then, i have not heard nothing from him or Citibank.When i try to contact XXXX XXXX XXXX and Citibank, XXXX, they keep ignoring me or dont attend to my calls or emails.I am not happy at all and i want actions to be taken against Citibank and XXXX.Should you need additional proof of documents and job id card of XXXX of Citibank, XXXX feel free to contact me on my email address and i will forward you with all the documents, Proof of payments i made to XXXX XXXX bless of Citibank, and all his emails he send me and his Citibank Job id card .I look forward to hearing from you and how to resolve this with Citibank , XXXX.I would also like for Citibank to refund me all my money i paid to them and XXXX XXXX of citibank, XXXX and possibly take my Account to other Banks which will treat me with respect.There are better banks like XXXX , XXXX XXXX XXXX and others which can give me better service than what Citibank is doing to me.Thanks Regards 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 explanation
Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I make an inadvertent pay through my online bill pay to my Macy 's credit card in the amount of {$2500.00}. I have attempted to get a refund of this amount to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted the bureau on several occasions to correct these issues and have received no response. I attempted to call and got the run around

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 2016-10-28
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i seen a collection from XXXX XXXX ON MY REPORT FROM LAST MONTH for the alleged debt of XXXX and i sent them another letter on XX/XX/2020 for validity of the debt and has not receive it as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: IA
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:
LATE PAYMENTS SHOWING 30-60 DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX MORTGAGE AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: NY
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 RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2017-09-01
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Status of the account is closed and written off with an high amount and purchased by another lender. Personal information was shared and sold off the account to harass, hassle and report negligence of an high amount on the account and sent to an debt collection agency.

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 2017-06-03
Company: FC HoldCo LLC
State: NC
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:
XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against Flagship Credit had  been resolved yet it has not.      Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a  violations of the FCRA.      Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/XXXX I went online to view my experian credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a macy 's card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XX/XX/XXXX. We are in XX/XX/XXXXI have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order 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 2022-02-24
Company: CrossCountry Mortgage LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently tried to log into my account ( XX/XX/XXXX ) to resume making payments for my mortage and was locked out of my account. When I contacted Cross Country Mortgage to resolve the issue, they admitted to locking my account. Their explanation was because they discovered a bankruptcy, which belongs to my dad. We have the same name, however, XXXX am XXXX and he is XXXX. My father 's bankruptcy was filed late XXXX or early XXXX. What I find very disturbing is, Cross Country Mortgage did not verify the social security number to make sure it indeed belonged to me. If they would have just verified the ss number, I would not be in this stressful situation. I also take a problem with being asked ( by Cross Country Mortgage ) to send them a copy of my dad 's bankruptcy paperwork. My father is not a client of Cross Country Mortgage. This violates my father 's privacy. Although bankruptcy are public records, sending someone else 's records are not something a Mortgage company should be asking their actual mortage holder to do ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been repaying my private student loans with Navient for 3 years now. My loan does not seem to decrease. Over the past 5 years I was misguided into entering forbearance. I did not want to have my loan go into default and cause it to affect my cosigner. I asked for several options to lower my payments and was told my only option was forbearance. Due to this forbearance I am now paying far more interest than I can handle. I am trying to pay my debt off and find it difficult to achieve. I was unaware of the amount of interest I would incur due to the forbearance, all I wanted was a lower payment so that I could pay them every month. My payments range between $ XXXX- {$900.00} a month just for the XXXX private loans. I still have a federal loan that I am paying as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus XXXX, XXXX  and Transunion about the unverified account : XXXX XXXX acct # XXXX XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TCF NATIONAL BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check written to me and they placed a hold on the check which they had every right to do. Then they charged me for the amount of the check. Making my account negative when it had over XXXX dollars in it. They said this was due to them thinking it would bounce. Again they had never made the funds available so they had no right to charge me for the check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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:
In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my Equifax credit report. I immediately filed a dispute with Equifax stating the account was not mine. I was informed by Equifax that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. Equifax contacted me again to say that the collection agency still reports it is mine. I was told by Equifax to contact the collection agency because Equifax does is contact the company and the company says it is mine an that's the end of the story. I contacted XXXX, albeit reluctantly because I felt like Equifax did not do their due diligence and I am afraid of repercussions from the collection company and Equifax. At XXXX I spoke with XXXX who stated that the account was opened in XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with Equifax was over XXXX and now it is down to like XXXX. That should not be allowed especially because it is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: KEYCORP
State: MI
Product: Credit card
Issue: Late fee

Complaint:
KeyBank has consistently posted payments made to my account late. A payment of {$330.00} was mailed by XXXX 's BillPay service, and was confirmed to have been delivered to Key by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 5 days late. Since the due date was XXXX/XXXX/2016, KeyBank assessed a {$25.00} late fee. A payment sent the next month also posted late. XXXX mailed a check in the amount of {$95.00}, and confirmed it was delivered by XXXX/XXXX/2016. KeyBank did not post the payment until XXXX/XXXX/2016, 6 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions 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:
XXXX ; Experian  and XXXX are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.

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 2016-03-06
Company: UNITED SECURITY FINANCIAL
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored.

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 2016-06-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
An unauthorized charge of {$120.00} was taken from my prepaid credit card and applied to my estranged husbands account. When I contacted the company they said that because the card was used previously on the account, that they are authorized to take the funds. The card was supposed to have been transferred to my new account when I established it a few months ago. I have filed a complaint with American Express and with XXXX, both with no success. American Express said they would contact me within ten days with a response as to whether or not they will return the money, but dispite several calls to them, they will not connect me with anyone in the dispute division. They just keep saying it may take longer than the 10 days. Its been over a month since I first contacted them to correct this issue. Your webpage states that they need to respond within the ten days, or refund the money minus up to {$50.00}. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I defaulted on my private student loans. Back in XXXX, when I had obtained a stable job, I set up a payment plan and have been making consistent monthly payment ever since in what they told me was a rehabilitation program. However one day XXXX XXXX XXXX XXXX they stopped taking my payments then called threatening me and telling me to pay the full amount or they 'll garnish my wages. I 've made several attempts to make payment arrangements but they only want me to settle. I would like to settle, but I do n't have access to that large amount of money. They badger me daily. I 'm terrified and tired. Please help. I 'm really trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation