BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: DISCOVER BANK
State: NY
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 am resubmitting a complaint I made before since I believe I made it a little too complicated before and since then after speaking to attorney 's and doing research I confirmed that my rights were being violated by Discover Financial Services and I didnt point out how. 

I will include the same written documentation that I did before but this time perhaps your agency can see my complaint more clearly. 

This is SO easy to resolve. Discover is claiming that in XXXX of XX/XX/XXXXwhen I applied for a credit card that I VOLUNTARILY signed up for their propietary service Discover Protection Service. I am claiming that I did NOT. 

Due to this misunderstanding my credit score has gone down 100 + points. I am asking them to simply provide me with that original application with my Esignature that shows that did indeed sign up for this. They refuse to. They say its NOT possible. I know that is false and they are violating the Fair Credit Protection Act. 

They basically want me to sue them to get it and thats NOT fair. They know I am up against their attorneys and it will be very expensive to get that info so they figure Ill just settle and pay. Look IF there is a mistake and I did by mistake check off something that signed me up for that than I will have to live with my mistake and work out a settlement with Discover. 

But I have the right to see with my own eyes that application. I have spent 16 months overall dealing with this and countless hours on the phone and writing letters. Why am I getting the run around? With technology now a days there is no excuse and they could have provided proof to me 16 months ago. 

They keep saying '' I have not provided any new information " I am NOT the one that needs to provide new info THEY ARE.. What info do they need? They hold the cards I simply need someone to intervene and mediate this simple as that! 

I am reattaching my letters, I am sure you can sense the frustration I am going through

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
Thanks

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX without 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 year old daughter PLEASE HELP ME PLEASE.

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 2016-11-25
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Best Buy / CitiBank Credit Card closed my account without prior notification. Best Buy says that they sent me an email. I did not get said email. I would think that even if I am enrolled in paperless billing that " Closing of an Account '' Documents should override the paperless billing and they should have to be mailed out. The lady I spoke to on the phone today said that it is illegal to hard copy mail something out if you are enrolled in paperless billing. I told her it should be illegal to close someone 's account without prior notification and as a consumer there should be protection against that. They should have to mail me something instead of just email. I do n't want my Credit Report to be negatively impacted by them closing my account and also me having to open up another Best Buy account. I feel that they should re-open my account because they did not notify me prior to closing my account.

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 2015-10-31
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to submit my modification package on my home because my interest rate is changing this month since XXXX XXXX BUT Ditech will not give me a valid fax number, I have spoken to several representatives that give me the following fax numbers of XXXX, XXXX, and XXXX BUT when I fax the information the fax machine returns a " unsuccessful fax transmission '' every single time and with all the fax numbers provided. When I tell the customer service representatives that I already have those numbers and that they 're not going through they state that they ca n't help me. I need urgent help in modifying my loan otherwise I will be forced to be foreclosed on IF they insist on not helping me and if my interest rate keeps on increasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Select portfolio servicing did not attempt to collect a debt. This loan serviced is holding {$250000.00} of my proceeds with no one to pay!

I have been told by two representatives that the money will be returned. The first told me 5-7 business days, the next said 72 business hours and then from a response to a complaint I filed they called and said they would submit a request for a refund!? 
I want to know what is going why select property sent a {$250000.00} payoff to the title company and why they have MY proceeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: Ditech Financial LLC
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Due to new information I 'm submitting a new issue. This loan was paid off at close of escrow as shown in the settlement document, however, the lender is n't counting it as being paid. My belief is that in the XXXX+ years ago when this was recorded the lender accepted the payoff and then its doors closed. The other case i have open with you is:XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CURO Intermediate Holdings
State: TX
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:
Please explain how you're reporting this account as reported on XX/XX/22, you are " re-aging '' this account and that is illegal. Please delete it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
You have massive fraud going on related to unemployment benefits. I never filed a claim, notified DC that was still employed and yet received a card with benefits.

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 2015-12-25
Company: Financial Credit Network Inc
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:
Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Between XX/XX/20 and XX/XX/20, Huntington Bank charged my account a total of {$720.00} in Insufficient funds fees. When I called the only customer service number offered, I explained my financial hardship because of the fees, I'm a single mother with only 1 income, and the fees are causing further financial harm ( {$720.00} is half of a months rent, or a car and electric bill payment! ), they apologized, said they can only refund {$150.00} of the fees and sent me on my way. I have yet to find another way to dispute the fees with Huntington directly. I asked for the fees to be refunded so that I can pull myself out of the financial hardship I am experiencing due to Covid 19 setbacks, and the bank declined. The fees are exorbitant and causing myself and my children to suffer unnecessarily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: NV
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:
My information was stolen in a data breach and now I have multiple accounts on my credit report that are not mine and I did not authorize. I filed a police report, filed identity theft and disputed all items with all 3 credit bureaus. The credit bureaus keep saying that the companies verified it as valid which I don't understand how that is when it was not me who authorized the opening of them. They refuse to help me and keep telling me to call the companies the accounts were opened with and I have multiple times and they're no help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Lennar Financial Services, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were down to the last few days of our home purchase process. We were coming up against the deadlines for my husband to have to start his job in the new city and for me to return to work for my existing job. Closing was originally scheduled for XX/XX/XXXX however we had been asking to close earlier. We were already here living in a hotel until we closed. We didnt think it would happen but on XX/XX/XXXX we got a call from the title company to schedule our closing for that afternoon. We got our funds wired over. Got to the closing appointment and signed all the documents. Then they said they had to confirm it funded and they would bring us the keys. We were there for 2.5 hours. Finally I get email notices of new conditions. They come in and tell us me we cant have the keys without making these conditions. We start working to get the required docs and I come to find out from a processor we have been working with that we were not clear to close. I have been trying to call my loan officer and no return calls. The company still has my deposit and closing cost money. Now I am hearing it might be 3 more days before we close. No calls from the company explaining what happened and why they sent us to closing if we were not ready. We are living in a hotel and need to start our jobs.

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 2017-01-06
Company: Ditech Financial LLC
State: ID
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a ReFi from DiTech XXXX for a small mortgage loan. Ever since they misapply funds and harass me about payments already made. We make our payments more than XXXX days in advance. XXXX treatment from support staff until they find out it was their failure and not mine. Now they claim I need to pay an extra {$500.00} dollars for escrow though annual payments only increased {$53.00} dollars on insurance. They claim they made a payment but ca n't tell me to whom. We pay more than the required payment so I do n't understand why my monthly payment should go from {$590.00} per month to {$640.00} over a XXXX time annual fee increase of {$53.00} dollars. They keep giving me different and incomplete information and when I ask for mailing of their analysis they tell me different months it was supposedly sent out yet was never received in mail. Most recently they misapplied another payment and yet claim I now owe double the normal monthly payment.

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 2020-10-01
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. Citibank granted me Covid Defferal for 3 months however Citibank neglected to process the third month and put my account into a past due status. it wasnt until many calls later this had been discoverd. 
2. Egregious customer care 3. Inconsistant employee knowledge of CitiBanks protocals 4. Being told making a partial payment would keep my account from being past due however doing this put my account past due for two consecutive months when indeed it was not 5. Not being able to correct my account in a timely manor ... being told over and over it would take 7-10 business days to correct 6. My account being thrown into collections when it shouldnt have been 7. Being charged late fees in error and not being able to reverse in a timely manor 8. Damaging my almost perfect credit report ... falsely reporting three late payments ... FICO down to XXXX from almost a perfect score ... Citibank is the only bank to report late payments during covid 9. Being told Citibank wasnt responsible for correcting my credit report 10. Being denied credit with other banks due to Citibanks errors ( first time ever in my life ) 11. Sky high interest rate for an auto loan I was eventually given 12. Not being able to speak to the department responsible for correcting my account. THIS SHOULD BE ILLEGAL!!!!

13.. Having been told numerous times there wasnt anything representatives could do about the errors ... .WHAT?

14. Time wasted during lengthly phone calls, chatting online, writing and faxing a letter to an address I was given with no response.

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