BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
BACK IN XXXX I RECEIVED A LETTER FROM USAA BANK SAYING THAT I HAD APPLIED FOR A CREDIT CARD WITH THEM AND IT WAS DENIED. I IMMEDIATELY CALLED THEM ON XX/XX/XXXX TO LET THEM KNOW I DID NOT APPLY FOR THE CARD AND I HAVE NEVER BEEN IN THE MILITARY. THEY SAID THEY WOULD FLAG THIS ACCOUNT SO NO CHARGES COULD BE MADE. I THEN CALLED ALL 3 CREDIT BUREAUS TO PUT A FREEZE ON MY ACCOUNTS SO NO ONE WOULD BE ABLE TO APPLY FOR CREDIT UNLESS I CALL THEM MYSELF. TWO DAYS AGO I SAW MY FICO SCORE DROPPED IMMENSELY. UPON PULLING UP MY CREDIT REPORT I FOUND SOMEONE HAD OPENED A CREDIT CARD ( USAA ) USING MY INFORMATION. I NEVER APPLIED FOR OR OPENED THIS CARD AND I WAS TOLD THIS ACCOUNT WAS FLAGGED BACK IN XXXX. I CALLED USAA BANK TODAY ( XX/XX/XXXX ), SPOKE TO XXXX XXXX, AND SHE SAID THAT I WILL NOT BE RESPONSIBLE FOR THE {$25000.00} CHARGES ON THIS CARD AND THEY WILL LET THE CREDIT BUREAUS KNOW THAT THESE CHARGES ARE FRAUDULENT. HOPEFULLY MY CREDIT SCORE WILL BE RESTORED PROMPTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Payoff process

Complaint:
In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o (

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-19
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In 2010, my student loans were being transferred to another lender. 
During the transition time, apparently the previous lender reported me late because I was making payments to the new lender and not Ed Financial. 

I have tried to correct this several times on my credit to no success. They keep reporting me as a " paid collection '' and a derogatory status on all XXXX credit bureaus. This information is incorrect. The loan was transferred to XXXX XXXX and has and continues to be paid on time. This is ruining my perfect credit score and is harming me. 
I ask that Ed Financial report this as Paid in Good Standing and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Mercedes Benz Financial Services
State: WA
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:
Unauthorized credit inquiries on my report. XXXXfrom Mercedes Benz of XXXX . It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2021-03-11
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In both of my previous complaints ( XXXX, XXXX ), AmeriSave promised to refund the {$500.00} application fee to my credit card. The first time, they claimed they had an internal glitch that prevented the refund to go through. The second time, I am still not seeing the refund to my credit card. 

I am requesting that AmeriSave to send me a check for {$500.00} to my mailing address to avoid further delay and credit card refund issues.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believe this company is keeping unnecessary balances on your purchases just to collect interest. I made a purchase on XX/XX/XXXX {$50.00} and still had a balance of {$6.00} on XX/XX/XXXX. On XX/XX/XXXX I had a purchase of {$23.00} and on XX/XX/XXXX I still had a balance of {$1.00}. I have others also. I don't understand how they can do this. I really feel it is so they can continue to charge interest. I feel this is a fraudulent act. They are ripping people off. A lot of times when you look at your bill on line you don't see these charges. I think people should be made aware of this and check their bills closely .Look under promotional purchases. You can't see them all but you will find some.

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 2016-05-18
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is on behalf of our client regarding their mortgage with Citi. We are the XXXX XXXX of XXXX XXXX assisting our client with their mortgage issue. We 've been trying to obtain vital information pertaining to their loan. A full modification package was submitted with hopes of an update. The account manager was reassigned to a XXXX XXXX at Citi Mortgage XX/XX/XXXX. Since that transfer, we have no been able to get any updates for the modification application that submitted for review. By now the document will have to be resubmitted again- another delay tactic from Citi and it 's employees. XXXX XXXX called our office maybe three, four times tops and sent random emails advising he called and I schedule an appointment to speak with. This is beyond exasperating, time consuming a violation out of CFPB guildelines, TILA guidelines and Regulations X and Y. It is impossible to get an representative who cares enough to go deeper into the file and inform us on the status review. To make matters worse, we had to resubmit the authorization countless times before to Citi when one was already issued and a confirmation of receipt was acknowledgement. What is going on here? Our client is only trying to make amends with the mortgage company but there seems to be unreliable and uncaring representatives handling this file. Once the authorization and cease and desist was provided ( again ) XXXX XXXX sent an email advising he will reach out the borrower instead of the firm. XXXX XXXX will make no attempt to call our office unless he receives a message advising him to return the call. 
How long will this " review '' take before we are provided with a response? This file has been going through the ringer since XX/XX/XXXX. What next, foreclosure? Please have this file reassigned to another representative immediately. We no longer want XXXX XXXX or his manager assigned to his file. There 's only so many emails and messages you can leave a representative and his manager. We can not provide our client any reassurance or creditable updates on their case. If possible, I am requesting to have XXXX XXXX reassigned to this case.

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 2015-07-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
I had a {$0.00} balance on my Macy 's credit card and still received a bill for {$2.00}. Had I not checked ( assuming the bill was {$0.00} ) I would have missed a payment, negatively affecting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX I received two fraudulent charges of {$100.00} and {$70.00} from a vendor called XXXX XXXX XXXX from XXXX. 

I notified Wells fargo and the denied my claim.I had asked them to send me proof on what they used to base their decision. 

All they sent to me is a copy of the electronic transaction.They did no review any receipts or could even tell me what was purchased since I do not even know what was purchased. 

They stated since card can not be duplicated then it had to be me or someone with my permission that made the charges. 

I think it's very unfair for a bank to assumea consumer made charges with out any real proof.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Inquires on my report that do not belong to me, and I want them removed immediately.

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 2022-05-31
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I loaded {$200.00} or {$300.00} onto a Netspend card at XXXX in XXXX of XXXX. ( I do not have the receipt any longer and the card was misplaced until I found it last week. I talked to two different representatives yesterday and neither would tell me the exact amount that I loaded. ) I went online to activate the card and start using it yesterday. I received a message that I had to call an XXXX number. The first representative did not provide me with adequate service, telling me that the card was " expired ''. You will see on the card that it has an exp date of XX/XX/XXXX. So I asked for a XXXX. That individual told me that the balance was {$86.00}. I have not used the card for ANY purchases. He promised to " see what we could do '' and put me on hold. After ten or so minutes, I went back into the queue. I called back and was told that it was a temporary card. Nowhere on this card, or in the fine print does it indicate that it is a temporary card. This lady tells me that a new card can be issued for the {$86.00} balance, and proceeds to ask me personal identifying information. I never submitted my name when I purchased ( put money on the card ). I told her that I was uncomfortable with providing this information. She mentioned the XXXX XXXX... I went ahead with it because this is MY MONEY. They stole the balance of my money. I understand a small administrative fee for transactions, but I did not make any purchases.

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 2016-09-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'd like to add to your investigation of Wells Fargo scams. They owe me and my wife a months payment and refuse to correct the situation. Since they like to utilize various techniques to sidestep the issue and ignore a court order I 've been keeping a correct record that I can send to whomever your investigative officer may be. I 've been keeping this record since 2008 and send a letter asking them to correct this issue with each mortgage payment, which happens to be made a month in advance, each month. They boldly ignore my request to correct the issue then insult us by sending a letter stating their refusal of our proper request to credit our payment to the account. Bottom-line : They 've absorbed an entire mortgage payment and are avoiding responsibility for the missing money which my bank processed to their account regarding our mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I received a letter from Verisk Financial ( LCI ) dated XX/XX/22. In the letter, LCI stated that they provided TransUnion with information from a " Public Record ''. Under the FCRA, a furnisher is obligated to ensure that accuracy of the information reported. In this case the furnisher is The " United States Bankruptcy XXXX XXXX XXXX XXXX Florida ''. I have not given LCI permission to use my " Personal Information '' which is not " Public Records '' to transfer, report or use in any transaction related to my consumer report. LCI has violated 15 U.S. Code 1681b ( 2 ) and therefore must remove any records related to this matter. In addition, LCI has also violated 15 U.S. Code 1681i, which requires that a furnisher verifies the accuracy of a reporting account. I have attached a letter from the US Bankruptcy Court in which the Deputy Clerk certifies that " The court does not report any filings to credit agencies ''. This is clear evidence that TransUnion or LCI has not contacted the furnisher for proper verification and therefore this record must be deleted. In a letter dated XX/XX/22, XXXX XXXX of TransUnion admitted to using ( XXXX  ) to verify this record, which again is a violation of 15 U.S. Code 1681i as PACER is not the furnisher of this record and does verify the accuracy of the record. I have not given TransUnion permission to use my " Personal Information '' such as my " Social Security Number ''.

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 2015-09-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After banking with Wells Fargo Bank since XX/XX/XXXX, they decided to terminate my checking and savings accounts. I was not notified by Wells Fargo but made the discovery myself when trying to make an ATM withdraw on Sat, XX/XX/XXXX and was unable to. The branch staff called on my behalf and was told by their loss prevention department that the accounts are terminated based on unspecified " Business Decisions ''. No specifics have been provided and this appears to be a non-transparent process. There has been no fraudulent activities on my accounts, no NSF checks, no complain against the bank in the past and no issues with my credit report. I only have XXXX checking account with Wells Fargo Bank. At this point, my account funds are frozen and can not be withdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
I have once again been locked out of my citi bank credit card access. This is the second example of this happening to me in the last six months. I previously had to cancel my XXXX XXXX XXXX XXXX due to the poor design on citibank 's web portal. The first instance was on XXXX XXXX of 2015. I was kept on the phone for over an hour and was refused assistance which resulted in me cancelling the card. 

Today I phoned in again as instructed by the web portal to XXXX, I spoke to XXXX, agent ID XXXX. She deleted my login and asked me to re-register. I was then once again unable to re-register the card. She refused to have someone call me back at a later time and gave no other solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2016-01-04
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amounts filed on the attached vary from their {$11000.00} balance. I have been paying {$400.00} a month for 7 months and there is about a {$1000.00} discrepancy between their balance and mine. The interest rate is also higher than daily rate disclosed on the attached paperwork.

Company response to consumer: Closed with explanation