BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two complaints against Citibank, 1 and 2 below : 1. I deposited a check in the amount of {$2000.00} to my Citibank checking account via an ATM machine located at a Citibank branch. I deposited the check on   XXXX    XXXX , 2017, at   XXXX   XXXX   EST at the Citibank branch located   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , Florida. The check was from a local municipality from the   XXXX   XXXX   XXXX   XXXX  , Florida, which under the Expedited Funds Availability Act, the funds should have been available on the next business day after the deposit was made which was   XXXX     XXXX , 2017. On  XXXX   XXXX , 2017, the funds were not available which was a flagrant violation of the law under the Expedited Funds Availability Act. I tried contacting Citibank via their chat feature on their website, their customer service said they could not help me with my funds because the check was supposedly in a " clearing house ''. Citibank is flagrantly violating the Expedited Funds Availability Act. The funds from the check deposit from a local municipality should have been available the next business day which they were n't. I deposited the check on  XX/XX/XXXX  and the funds should have been available on   XXXX    XXXX , 2017 per the Expedited Funds Availability Act. Citibank is violating the law by not having funds available the next business day when the check deposit is from a local municipality. Citibank is instituting excessive hold times on my check deposits and have broken the law by not having my funds available for me to use.
2. In addition, Citibank charged me overdraft fees on XX/XX/XXXX  and  XX/XX/XXXX  of {$130.00} for four payments of {$2.00} each. So for {$12.00} that was charged on my account from a vendor, Citibank charged me {$130.00} in overdraft fees. During a conversation with a Citibank representative they admitted that Citibank intentionally clears the large transactions first, and the smaller transactions last. I have attached a transcript of the conversation with the Citibank representative. This has the consequence of Citibank being able to charge more overdraft fees from all the small transactions. This is an unethical business practice, as Citibank wants to be able to rack up overdraft fees by intentionally draining my account with large transactions first and smaller transactions last so that they can charge more overdraft fees.

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 2016-02-23
Company: Sortis Financial, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Clearsprings Loan Servicing, Did A Loan Modification due to a personal financial hardship. I made my 6 Loan Mod payments from XXXX 2015 thru XXXX 2015. And then I continued to make on time payments. 
On XXXX of 2015 Clearsprings Loan Servicing, Transferred servicing to XXXX XXXX XXXX. They transferred the loan with a Escrow deficit of {$750.00}. The loan mod should have brought all elements of the loan current. Now, Clearsprings Loan Servicing, is doubling my escrow payment adding a financial burden to my loan payment. 
Clearsprings Loan Servicing should be is responsible for correcting their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18
Company: Colony Brands, Inc.
State: TX
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 contacted   XXXX   XXXX  , regarding a negative report that they have placed on my credit report with  XXXX ,  XXXX , and  XXXX  credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all  XXXX  credit bureaus as required by the FCRA. My first dispute was on  XXXX / XXXX  /201 7.   XXXX   XXXX   signed for a letter from me on  XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on  XXXX / XXXX /2017 signed for by   XXXX   XXXX   on  XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with   XXXX   XXXX   for your review.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Navy Federal Credit Union allowed for a credit card to be opened in my name fraudulently. I have contacted Navy Federal Credit Union,  XXXX ,  XXXX , and   XXXX   and made them aware that this account was opened in my name fraudulently and I have not been assisted. I was the victim of identity theft and I have over the past several years had accounts opened in my name fraudulently using my correct personal information, and this account is one of them. I have written to Navy Federal Credit Union about this matter, but they continue to hold me liable for an account that was opened in my name fraudulently. I have received no assistance at all from NFCU in getting the account closed out of my name and off of my credit reports. When I have tried to call in about the accounts I have received no assistance at all. The partial account number is  XXXX   XXXX / XXXX /2017 credit limit {$24000.00} is what shows on my credit report. This is not my account and is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on 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 non-monetary relief
Consumer complaint received 2015-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTo Whom It May Concern : I am in receipt of your letter stating that the XXXX XXXX XXXX XXXX XXXX was updated and verify and the dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( Original Creditor : 06 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

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 2017-01-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been attempting to work with Navient in efforts to reduce my student loan payments for over two years. My husband lost his job and I can no longer afford the payments as they stand. Every time I speak to them they say I am ineligible to for Income Based Repayment. My husband made XXXX a year and we took a tremendous hit when his business went under in XXXX. We have been trying to recover since, but these student loan payments ( due to the constantly rising variable rates ) are insane. I owe thousands more than I originally took and have paid consistently since XXXX. And with the company unwilling to work with me, we 're barely getting by. I had to take out a pension loan just to pay them. Nobody explained to me what I was getting into going to college. The debt is affecting every aspect of my life. I regret the attempt to better myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX , Transunion and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on 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 2016-07-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.

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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To who it may concern I am here writing to you because on my credit report it shows that I have to pay   XXXX    XXXX  $ for an account that I have no recognition from I believe that I am going through identity theft if you could help me with this issue I have reached out to the compliments and try to distributed but they have denied 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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on 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 2015-08-12
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Central states Recovery has been contacting me at work and when asked no to the lady her last name was XXXX told me she would call me as often and as much as she wanted at work ... this started happening on XXXX XXXX 2015 when I told her to call me after hours when I am not at work and had no problem talking to her at that point. She told me if I did n't talk to her when she called she would sue me. I told her do not call me back at work and hung up on her she immediately called me back and asked to speak with HR department when I told her we did n't have XXXX she said Yes you do. I asked her again not to call me during work hours and she immediately called me back again then called again on XXXX/XXXX/2015 then the weekend went by ... I did n't get the time to call her before XXXX on Friday the XXXX.The calls started again on Monday the XXXX again she was told not to call during work hours. then on Tuesday the XXXX she called again I took the information down and called back at XXXX I reported how she treated me and requested a different collector. she then again started calling me at work on the XXXX and again I asked her not to call me at work she replied that she will call when she wants I told her that my employer has requested her to not call me at work and she said " well your employer probably doesn, t know you owe XXXX dollars either. It is none of my employers business what I owe. I hung up on her. She then called back and talked with my boss asked for the address and HR of my job.. I called to make a complaint to CSR and the refused to let me speak with a manager. I was put on hold and then I hung up because I am at work I can not be bothered by this I told her I called back on the evening of XXXX and she said NO YOU DIDNT ... I AM BEING BOTHERED BY THIS DAILY AND CAN NOT AFFORD TO LOSE MY JOB DUE TO THEM HARRASSING ME

Company response to consumer: Closed
Consumer complaint received 2017-07-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
There are two issues with regard to my complaint about Coinbase Inc. based in XXXX XXXX, CA.
First, not exercising due deligence as promised by the company to protect the financial well being of the customers. This includes locking my account, and not being responsive to my numerous voicemail and email requests to resolve the issue. As a result, this has inhibited me from taking adequate action to protect my financial situation against recent too volatile digital currencies movement.
Second, not depositing or otherwise rejecting the fund I transferred from my XXXX XXXX XXXX account to my US dollar wallet account which is stored on coinbase platform ( {$8000.00} ).
The story : I opened a coinbase account and slowly started buying digital currencies ( BTC, ETH and LTC ) using my checking account and credit card. I excecised extreme caution in my new venture. On XX/XX/XXXX, I transferred {$8000.00} from my XXXX XXXX XXXX account to coinbase account at XXXX XXXX XXXX. The fund was supposed to be available in my US dollar wallet at cointbase account within 3 days. The XXXX XXXX XXXX  even confirmed that XXXX XXXX XXXX  received money on XXXX XXXX, 2017, but as of now (XX/XX/XXXX ) they have neither rejected nor deposited the fund. I contacted their bank but it did not avail me. As I mentioned, they lack a responsive customer support line.
Most importantly is the incidence that occurred on Friday, XXXX XXXX, 2017. I  made an attempt to sign up to XXXX XXXX, which is part of Coinbase Inc and is maintained by them. I used a different password than that used for my main coinbase account. I also used XXXX Authenticator required by Coinbase Inc as part of the sign-up process. I never scynronized my XXXX account with my wallets at Coinbase Inc. Within 2 minutes after my sign-up, I decided to log in to my main coinbase account, only to find that I could n't log in. I checked my email and found a notification from Coinbase that my password had been changed. Having thought that my account might have been compromised, I requested that my account be disabled by clicking on the safe link they had provided in the email. I also sent them an email to report the incidence. They got back to me the following day asking for the reason for my request!, and informing that my account would remain disabled until I confirm my password, email, and 2-factor security codes are secured. I have sent them numerous emails, and left them voicemails at their number at XXXX, but no responses yet. My account excluding the above {$8000.00} is worth around {$25000.00}.
This incidence may simply have been caused by my main coinbase account password being replaced by my XXXX sign-up password, a situation that I should have been warned upon XXXX  registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: BMW Financial Services NA, LLC
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. BMW FIN SVC item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( BMW FIN SVC XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is important to note, my loan officer company is XXXX XXXX XXXX. XXXX is a different firm managing my loan payments. I have received in mid XX/XX/XXXX attached statement " XXXXXXXX '' from loan officer XXXX. In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is XXXX. In addition, in that statement, you can see actual payment on XX/XX/XXXX as accounted for and it clearly stated that i overpayed the year of XX/XX/XXXX XX/XX/XXXXand it included a check of XXXX $ made to me to pay for the surplus i paid. I was preparing to make my XX/XX/XXXX payment as usual. but after this letter, i checked loancare.com website and deducted no payment is required. No emails nor phone calls nor mails were received from neither firms until XXXX letter attached which was received in XX/XX/XXXX stating that i was actually late. Before i even knew, I went to loancare.com late XX/XX/XXXX to pay for XX/XX/XXXX and realized the issue and paid for both XX/XX/XXXX and XX/XX/XXXX. that day spent hours on loancare interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed. Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared. However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake. This company been redirecting me from one department to another and today i was redirected to a fake email XXXX They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month. despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified. I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing. Regards, 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