BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-19
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Jaguar Credit is listing inaccurate information on my XXXX & XXXX Credit Reports. I have written to the credit reporting agencies in an effort to resolve this inaccurate reporting information, but with no success ( Exhibit # XXXX ). Jaguar Credit was listed in my Chapter XXXX Bankruptcy filing dated XXXX/XXXX/2012 ( Exhibit # XXXX ). Jaguar Credit is in violation of federal law and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
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 has charged me 4 overdraft fees when my account was never overdrawn. And refuse to give it back because of pending charges that have not gone through. This is the second time we have had this issue with Truist.

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 2015-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold Checking account during a promotion that Citi was running to give a XXXX ThankYou points for new members who signed up with promotion code XXXX and satisfied several terms. I confirmed via secure message to Citi on their site that the account was set up properly with promotion attached on XXXX/XXXX/XXXX. After completing the requirements, I confirmed via secure message that the account had the promotion attached still and I had successfully satisfied the terms of the promotion. Citi was able to research and confirm all of these things and stated there was a waiting period of a maximum of 90 days for the promotional points to post to my account for use. Starting with the last day possible for the points to post, XXXX/XXXX/XXXX I followed up with Citi via secure message to ensure everything was good and the points were going to pose. I was again assured the points were going to post but they never actually did. I followed up multiple times and received responses on the following dates all assuring me the points were going to post : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to the correspondences via secure message, I received 2 " E-communication '' letters on XX/XX/XXXX and XX/XX/XXXX assuring me the points were going to post. A familiar refrain of all of these communications was something to the effect of " Well the points should have posted already so we went ahead and posted them again but now you just have to wait another 30 days. '' over and over and over again for the past 6 months that I have been waiting since completing the promotion in accordance with Citi 's terms. During this wait, I have been charged {$42.00} in monthly service charges on the checking account and I ca n't help but wonder if the prolonged nature of the resolution to this issue has something to do with the amount of money collected in monthly service charges.

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 2016-08-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
i have home depot credit card, this credit card charge 26.99 % interest .is this legal .can they charge what ever interest they want. i cant charge what ever i want .please investigate this credit 26.99 %. this is highway rubbery.this is not right.where is consumer protection against loan shark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
CITIBANK MADE XXXX HARD INQUIRES ON MY CREDIT REPORT THAT I DIDNT CONSENT NEVER HAD TRYED TO GET ANYTHING FROM CITIBANK

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}, U S DEPT OF EDXXXX XXXX Balance {$3100.00} , U S DEPT OF EDXXXX XXXX Balance {$5100.00} XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX & XXXX XXXX Balance {$200.00}, XXXX & XXXX XXXX XXXX {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/15, I purchased several items of clothing online from Macy 's with my Macy 's credit card. On XXXX, I returned XXXX items via XXXX and requested ( online ) that my credit card be credited for the total ( {$130.00} ). Macy 's instead sent me gift cards for that amount. I returned the gift cards on XXXX and again requested that my credit card be credited. When my bill arrived, the amount had not been credited. I placed XXXX phone calls in XXXX to Macy 's customer service dept. and was informed on both occasions that the outstanding amount would be credited. It was not and I was charged interest on that amount. In XXXX, I made an online written complaint to Macy 's customer service and XXXX weeks later was informed via email that the interest alone ( about {$3.00} ) would be credited and it was. I received a bill shortly thereafter ( attached ) in which I still have an outstanding balance of {$130.00} and have now been charged an additional {$5.00} in interest. I wrote Macy 's again online XXXX days ago and have not received a response. My Macy 's bill is due XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01
Company: CITIBANK, N.A.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Hi, I have a personal loan through one main financial. I have insurance on my loan, if I am out of work the insurance will make the payments so I do n't get behind in my loan payments. I was out of work on XXXX. I contacted one main financial to let them know I was out of work, so they could submit a claim. one main contacted me to set up the paperwork needed to submit the claim. as the claim was processed, a member of the company contacted me. he left a XXXX minute message on my phone. the message that left was very inappropriate. message stated was the gentleman on the phone started of by sounding XXXX and saying " hey I love XXXX, I love big XXXX, I could play with an suck on big XXXX for hours. Then talking about movies, Grandmas boy. XXXX year old XXXX, with co workers in the office. then he said they were XXXX while watching these movies. message ended. I then contacted the district manager stating my complaint, he said that he would look into it. I felt that he blew our conversation off. nothing was done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-10
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XX/XX/XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Ceannate
State: CO
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
FMS student loan collections : I have been threatened over the phone, they have used intimidation tactics, I have had an agent threaten that I will have my wages garnished. I have had multiple agents disclose the exact quotes, after telling them my name is XXXX, they have screamed at me over the phone stating " you need to confirm your name is XXXX, and your last four of your social is XXXX '' Also One time I told them I had no problem updating my mailing address but I dont want harassing letters sent to me in the mail. And the first thing they do is send me multiple debt collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Netspend Corporation
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I purchase a prepaid Visa NetSpend credit card at the corner Check Cashers close to my home after arriving back home I attempted to activate their credit card where I was placed on hold a number of times after 45 minutes a representative informed me that my card can not be activated due to a past due delinquent account with the same company " net spend '' which they indicate {$1000.00} purchase at XXXX in XX/XX/2016 I have never had a card with this company not credit nor prepaid '' and I do n't understand how you can have a balance on a prepaid card also listed under their terms and conditions you must have a direct deposit set up on ur account '' to even be allowed to overdraft I 've. I 've never had the direct deposit anywhere ever '' paid in cash. I literally stayed on the phone with these people for two full days being placed on hold being hung up on twice being rerouted to other operators itwhomwas unfamiliar with the situation '' I demanded the release my money and activate the card however that did n't happen they just took my money {$180.00} and they 're only concern was to convince me to pay the remainder of the XXXX they said I owed they could not disclose to me the location or phone number or any contact information of this XXXX where they indicate I may day {$1000.00} purchase '' I do not owe this company I 've never had an account with this company. I have never had a direct deposit with any company '' they 're just trying to shut me out of my money also upon investigating on the internet n read how they are currently involved in a class a lawsuit filed back in XX/XX/2016 for basically the same scenarios stealing money from card purchasers the company reacted to me in a manner as if I was a thief and they were a victim when I was the victim all I know is this has been a nightmare I simply just need my money back that they took for no reason please help thank you for your time and consideration

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSWORLD SYSTEMS INC
State: WA
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:
Background : This complaint is a follow-on to case number XXXX ( the " Original Case '' ) because I received an auto-generated response on that complaint that more information was needed, but the CFPB customer service at XXXX was unable to assist me on XXXX XXXX because the Original Case did not give consent for CFPB to release my personal contact information. Your phone representative asked me to resubmit the case with consent to publish my personal information, as I am now doing. 
* * * Complaint : XXXX processed a consolidation loan for me in XXXX XXXX, 2016, that repaid and consolidated XXXX prior direct loans : XXXX with XXXX and XXXX with University Accounting Service ( on behalf of my university ) ( " UAS '' ). In the repayment process, due to passage of time and intervening payments I made on my UAS loan during the consolidation process, XXXX ended up overpaying my UAS loan by {$520.00} ; UAS says they issued a refund in that exact overpayment amount to XXXX on XXXX XXXX, 2016, but XXXX claims not to have received the refund. Despite my requests to UAS via phone call ( in XXXX ) and the UAS website ( XXXX XXXX ), XXXX has not provided any proof that the refund was issued or further information about the refund so XXXX can research what happened. 

I have worked with UAS and XXXX to resolve the issue, but their customer service departments have been unable or unwilling to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Google Compare Credit Cards Inc.
State: WA
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
Between XXXX and XXXX I had my identity comprimised and someone charged my credit cards from the google play store ... over 50 times between this time period. I have for 2 YEARS CALLING TALKING TO SUPERVISOR AFTER SUPERVISOR AFTER SUPERVISOR TRYING TO GET MY REFUND. I 've been hung up on, I 've been left hanging for months ... I have had no resolution. This has caused me financial burden and stress ... and I 'm tired .... so tired of dealing with Google ... I need your help and would like to be compensated for all the pain and suffering ... I do have full documentation of this via emails ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Paypal Holdings, Inc
State: MI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Paypal Holdings, Inc
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it.

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 2016-02-10
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: Paypal Holdings, Inc
State: MD
Product: Credit card
Issue: Other fee

Complaint:
This complaint is about PayPal Credit. PayPal Credit offers promotional financing for certain purchases where interest is not assessed on the purchase if the balance is paid off within a XXXX promotional period. I was attracted by that promotion and paid for XXXX items with PayPal Credit. Both purchases were from XXXX XXXX. The promotional XXXX period expired XXXX XXXX, 2015. PayPal website states that payments may be made for same-day credit until XXXX XXXX on the due date. 

On XXXX XXXX at XXXX XXXX XXXX I tried over a dozen times to log in to pay the remaining balance before the promotional period ended, but the website froze each and every time. When I called customer service to pay the remaining balance, I found out that it closed at XXXX XXXX. 

I tried again to make the payment at XXXX XXXX through the website and finally succeeded in paying the balance due of {$1700.00}. At XXXX, I was finally able to reach customer service. They confirmed that the payment made at XXXX was received, did not know why the website was not working several hours prior, but said they would not waive the interest charges that now applied since the promotional period ended at midnight. 

PayPal 's website made a representation that same-day payments would be accepted until XXXX, but since the website was not working, effectively gave me no opportunity to make that payment since the customer service phone line was closed. I made the payment required under the promotion in full as soon as the website was operational, having to wake up in the middle of the night to do so. 

I was effectively precluded from making an ontime payment by a dysfunctional website and a closed customer service phone line. It 's deceptive to advertise a payment cut-off time, close the customer service phone line, effectively not provide the customer with the opportunity to pay, and then insist on penalizing the customer for PayPal 's own failures to provide the opportunity to pay. 

The promotional interest charges that should be waived total {$340.00}.

Company response to consumer: Closed with explanation