BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller, therefore allowing the seller to keep the {$600.00}, and the insurance claim refund, all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country, something that is not explained in the user agreement I had signed with paypal. It boldly states " Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - " Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement, which includes quoted buyer protection. Now, I am without {$600.00}, without the purchased goods, without any recourse to reclaim lost funds and the seller keeps the {$600.00} and collects {$600.00} from the XXXX insurance claim. The trust I placed with paypal has been abused and has cost me to loose a subsequent amount of money that should have been protected per our agreement. Currently the dispute is in the appeal process but I was assured that the decision will not change and I will not be reimbursed for the lost {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I been trying for 8 years to refinance my loan this time they turn me down because of credit history. which is in good standing.The underwriter will not bring my loan montly payment down to a, Affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I was falsely reported dead to USAA. The person who reported me dead withdrew the money from my CD and closed the account. I reported this to the fraud department of USAA and they said there was no fraud. There wasnt anything they could do. I reported it to the police department. The investigating detective said he found several felony charges. USAA allowed this crime to occur and did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by Experian and 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 2021-03-18
Company: Better Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The representative for 30 minutes we reviewed my rate, closing cost and cash back to borrow. She kept asking me to do a rate lock and request and appraisal using my credit card. As soon as we hung up and after I paid the {$500.00} I go online and the loan estimate has changed arbitrarily. I was to get back over {$1700.00} and now a little over a hundred. We discussed this in detail. In a matter of an hour it just changed itself. I called and was only able to leave a message. This is bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received an email to open both a Checking and Savings account with Chase Bank. I would receive a {$200.00} bonus if I opened a checking account and set up direct deposits, a {$200.00} bonus if I opened a savings account and kept {$15000.00} in there for at least 90 days, and a {$100.00} bonus if I completed both. As long as I used the coupon code provided in the email, I would qualify for the bonuses. 

I then opened my checking account on XX/XX/XXXX using the coupon code provided and it then prompted me to open the savings account. I populated the savings account on XX/XX/XXXX with {$15000.00} and then set up direct deposits to start XX/XX/XXXX. I received the {$200.00} checking bonus on XX/XX/XXXX. 

I waited until XX/XX/XXXX which was 90 days after I populated the account for the additional {$300.00} bonus ( {$200.00} for the savings and the {$100.00} bonus ). according to the email, it could take up to 10 business days for the money to hit my account. 

On XX/XX/XXXX when the money hadnt hit, I called Chase customer service. They told me that I had not applied the coupon code for the savings account so I was only eligible for the checking account bonus. They also said if I had noticed within 21 days of opening the account they could have helped me but it was now too late to do anything. 

I find this to be extremely predatorial banking. I followed their processes to a tee and completed everything they asked of me and they refuse to give me my bonus because I somehow didn't apply the coupon code to the savings account opening. To be clear, I thought it had applied because it applied to the checking and then prompted me to open a savings account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to bed XX/XX/XXXX and checked my business account and there was {$4.00} in it, which was correct. I was waiting for a Covid related loan to come through and checked again the next morning. The account showed over {$1700.00}. I assumed my loan was deposited. I spent the money to get my small company caught up on bills. Covid has been hard on my bakery but I worked 60 hours a week and was able to stay open. Two days later, my account showed I was overdrawn almost {$2000.00}. I called my branch in stow and explained what happened. I was told there was a glitch in the system with their debits and credits. I told her my business couldnt survive this. I requested a loan to bring my account out of the red and back to good standing. She gave me a few alternatives. 1. Get a payday loan and 2 ask my business landlord for the rent back. I was appalled at these suggestions. I am now over {$2200.00} in the red as they keep charging me {$39.00} for sustained overdrafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: CL Holdings LLC
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:
Hello I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX and has since reported as a collection account on my credit report. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX and Jefferson capital absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. I have been trying to get this removed for over a year and it is not being resolved. 
I presently live at XXXX XXXX XXXX XXXX Ga. 
The reporting agency is XXXX XXXX XXXX XXXX ACCT # XXXX XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 been disputing inquiries that I never approved of and obviously did not obtain credit for since XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2016-06-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Zenith Financial Network Inc
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Radius Global Solutions was contacted by me did not provide me with accurate information. I do not know what this particular debt is about with the amount of {$110.00} which is being reported on my credit report. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit report. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.

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 2016-01-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
The issue is that Equifax Credit Bureau seems to have some personal issues when I am assessing their line for services that need to be corrected. I am tired of writing about the same things over and over. There are XXXX items that are totally incorrect. XXXX is XXXX credit which was reported long ago about their defective merchandise sold to me and I notified them several times and they did nothing. The second is XXXX, XXXX XXXX which was a secured card and you had to have money on it before you could use it. I believe I put at least XXXX on this card for my constant use as a credit card which is what it was as long as you had the money the account. Another is XXXX XXXX, a seller of damaged merchandise and not what was ordered. Told him also, and he ignored but could ask for payment. The other shows XXXX. There was a problem with them because when I would go to the line to make an affordable payment, they would not take it if it was not what they wanted. Called and was told same thing about what was due after I explained to them I need time to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I requested the information on my Equifax for the XXXX XXXX account be verified because there was some discrepancies regarding last payment dates, incorrect amount on last payment amount received and Equifax keeps coming back with information verified but the information is not being updated. This is the same for the XXXX account on the credit report as well. The Date of First major delinquency and Last payment date is inaccurate on this account. I have requested this on several occasions to be reinvestigated and/or deleted and they refuse to do their job. I demand to know how this information is being verified if it is indeed incorrect. The information on my XXXX and equifax credit report are reporting XXXX different thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has not provided new checking account promotional bonus as promised. 

I have been a Citibank customer for 19 years and have been very satisfied with all products, services and customer response levels. The current issue is with the Citibank response to the CITIGOLD CHECKING PROMOTION XXXX XXXX XXXX BONUS - earned but never received. Fees for this account are {$30.00} per month. 

In XXXX XXXX Citibank was offering a promotion for opening a new CITIGOLD checking account. On XXXX/XXXX/XXXX I requested a confirmation via Secure Message that I was eligible for PROMOTION - CODE # XXXX - XXXX MILES. ( Message Reference XXXX ). Citibank responded on XXXX/XXXX/XXXX and confirmed that I was eligible for XXXX XXXX XXXX promotion and provided the requirements for earning the XXXX XXXX XXXX miles promotion. ( Message Reference XXXX XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I opened the account and made an initial deposit. I then met all requirements completely as Citibank requested in their Secure Message Response of XXXX/XXXX/XXXX Ref. XXXX for earning the promotion. On XXXX/XXXX/XXXX I requested confirmation that I had met all requirements for earning the promotion XXXX XXXX miles and requested the timing of receiving the promotional miles. ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded, stating that I had met all requirements in XXXX XXXX and that XXXX miles would post to my XXXX account by XXXX/XXXX/XXXX ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX via SECURE CHAT, I requested an update since I had not received the promotional miles in my XXXX account. I was told an INVESTIGATION would be submitted ( Reference XXXX XXXX ). On XXXX/XXXX/XXXX via Secure Message I requested another status update ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded that my investigation was being reviewed and that a request would be submitted for it to be expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and stated that my next step would be to file CFPB complaint if Citibank did not resolve this issue. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that the INVESTIGATION was still pending and had been expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and requested that a manager from the executive department call me. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that INVESTIGATION was still in processing. The issue is not resolved. On XXXX/XXXX/XXXX I submitted this CFPB complaint.

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 2021-11-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY COLLECTION ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CarMax, Inc.
State: CT
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 entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash but XXXX XXXX XXXX took cash. The finance is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance seperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recently fell behind on my student loan payments with Citibank. When I was going to be one month behind, I had made proactive phone calls to tell them about my situation to come to a payment agreement, but no offers or assistance were offered to me. I was told to just make a payment when I could and to expect to receive phone calls until then. When I realized I was going to be two months behind, I called again to request a 60-day forbearance ( no payments for XX/XX/XXXX or XX/XX/2015 ), resuming payments in XX/XX/XXXX. I was approved, and the paperwork was sent to me. I faxed my application and received my confirmation. My confirmation stated the dates of my forbearance were for past dates and that my next payment was due in XX/XX/XXXX. 

Customer Service did nothing to help me. They told me that my forbearance started the day after my most recent complete payment, and that because my XX/XX/XXXX payment was behind at the time of the application, that 's when my forbearance period started. An Account Specialist told me I should have received disclosures explaining these terms. I did not receive these disclosures nor was this explained to me at the time I applied. 

I am extremely frustrated because I feel I had communicated my situation and was taken advantage of at a time I most needed help. Having been in such a dire financial situation, reaching out for help, and finding results that offer virtually no relief, the experience has felt predatory.

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