BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a loyal Citibank customer since XX/XX/XXXX. I have made every credit payment on time, until recently ( Summer of XX/XX/XXXX ). Unfortunately I was placed on medical leave due to some treatments I am receiving and as a result I am not allowed to work temporarily. As a result of my leave from work and delay in getting my temporary leave benefits, I did fall behind on one payment to Citibank. Actually, I did log on to Citibank to make that payment and was expected to pay 3 times the normal payment amount, therefore I was unable to make that payment at that time, resulting in some fees and interest charges putting me over my limit. 
On XX/XX/XXXX, I did speak to an Agent whose job was something along the lines of Customer Solutions ( I apologize that I do not have the proper title, but the call was on XX/XX/XXXX. ) I entered into an agreement with this agent that I would pay {$130.00} a month until the account was caught up ( take note that this is still more than my average minimum payments by at least double ) but I wanted to get caught up and back on track not only to protect my credit, but also to keep my card in good standing for the future. I was assured by this agent that entering into this agreement would protect my card and keep it open as long as I made the minimum monthly payment, via bank draft. On XX/XX/XXXX, Citibank took {$130.00} out of my checking account as agreed upon. On the same date Citibank closed my account. When I became aware of this ( a week later XX/XX/XXXX ) I did call and speak to an agent who stated that the bank closed it, and that no reason is listed. I escalated the issue and indicated that the account should have been protected against closure, as I had entered into an agreement with Citibank- an Accounts Manager did tell me that my account should have been protected from closure with this agreement as she could see where the payment was made as agreed upon. I have upheld my end of the agreement & I feel disappointed that Citibank would close my account anyway, despite my good faith efforts. Prior to this, I have never missed any payments on any of my accounts on my credit, so there would be no other reason to do that. Even the paperwork sent states that the account will become current if I keep the agreement, however it can not become " current '' if it is closed. We made an agreement and Citibank has broken their end of the bargain by 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 2020-08-04
Company: Experian Information Solutions 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:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

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 2023-08-06
Company: EQUIFAX, INC.
State: PA
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 am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Experian Information Solutions Inc.
State: AR
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: Investigation took more than 30 days

Complaint:
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

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 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 XX/XX/XXXX I left for California, leaving behind my XXXX XXXX debit card. On XX/XX/XXXX I saw that more than {$5000.00} were missing from my account so I called the bank and reported it. My card was still at home while I was away on a business trip. The transactions date back to the XXXX XXXX XXXXXXXX. However the bank denied any errors and I issued a rebuttal. I filed police report # XXXX on XX/XX/XXXX. Most of the money stolen was deposited into my account from XXXX for my tuition. Ever since then the bank hasnt resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I heard about the Wells Fargo lawsuit and we had bought our house in 2010 and had wells Fargo as the Mortgage Company. After roughly 3 years my father passed suddenly and I remember contacting Wells Fargo for assistance on the Mortgage and ways i can potentially lower my payments. After an extensive period of them asking for all my financial details and bills and me continuously sending over information and proof they insisted that the only thing i can apply for is the hardship assistance and i continued for 3 months sending information and then then told me that i didn't qualify because i never missed a payment and that i would have to have missed payments or make partial payments to even qualify. This was very rude and crazy to hear when the company was the one that said i qualify for the assistance and hearing this after 3 months after all the back and forth was so brutal. I tried and then slowly gave up and started trying to find a second job to make ends meet. Shortly after i received a packet of papers at home with rush delivery and stayed that i had only 2 days to sign and return papers that stated i can make half payments for 3 months on my mortgage and included 3 mortgage payment stubs for the next 3 months. I found this very strange since no one even mentioned a package being sent or what this was for and what it meant term wise to sign. I called my realtor and discussed and contacted the mortgage broker i had during my deal and finally realized this was fishy and not something i wanted to attempt even signing since it looked as they were purposefully trying to make me make partial payments and show that way that i can afterwards qualify yet didn't know how that would affect my credit score or other financial condition. I didn't sign and found another way to work things out and later refinanced with a different company but now that I hear about the lawsuit I'm starting to think of there was more errors and other scams or issues that my mortgage might have been enclosed being with XXXX during that time frame. 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
Consumer complaint received 2020-02-15
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
An initial complaint was sent to CFPB ( # XXXX ) regarding TD Auto Finance not correcting the address on my vehicles title ( so that I can update my car registration ) but still has been receiving payment monthly towards the car note. I have been having this issue for 4 months now and have been back and forth with TD AUTO, the XXXX, and CFPB. There are numerous amounts of complaints surround the same issue and what looks like a common problem at TD AUTO. 

( https : XXXX ). 

I received a fax of my cars initial title ( dated XX/XX/2017 ), but was advised by PA DMV that the copy is not enough. TD Auto finance stated that they sent the original to a local DMV in XXXX, but I was also advised that local DMV 's can not complete the transaction & that the title needs to be forwarded to XXXX . 

Several call have been made to TD Auto and the customer experience advocate ( XXXX XXXX ) to provide this information and to check on the status of my request ; but no success & recently all my calls have been going unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This debt collector contacted me claiming a false debt that does not belong to me. I sent them a cease and desist letter. They violated the cease and desist letter and continued to contact me without any regard of the law. They then sued me without serving me and are attempting to obtain a default judgement in a deceptive manner since I was not notified of the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: AMERICAN EXPRESS COMPANY
State: AL
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 XXXX XXXX XXXX purchased a timeshare on XX/XX/2022, with XXXX XXXX at their XXXX XXXX XXXX. Prior to this purchase, the account with American Express did not exist. The sales staff pressured me to apply for the credit card and then charged the full amount to this account for the vacation interest in the amount of {$12000.00}. 

The sales representatives insisted that I apply for this account even though I would have preferred to not use a new account. They also insisted that the full amount be placed on the card to cover the cost of the contract purchase with XXXX. 

I later discovered that the vacation interest is nothing like what was told to me at the sales presentation. We were advised verbally, and they visually demonstrated to us that the Resorts would only cost a certain amount of points which was a lot lower than the points would actually cost. 

Due to the misrepresentations made by XXXX 's sales reps and the pressure placed on me to apply for this American Express account I am disputing the full amount that was charged to this card on XXXX XXXX in the amount of {$12000.00}. 

Please note the amount for the contract that was charged to the American Express was more than 50 % of the total cost associated with the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express is refusing a welcome bonus for the XXXX  XXXX  despite me never holding the card, and my current AMEX products being in good standing and receiving a large portion of my spend ( nearly XXXX last year ). The reasoning they give me is inappropriate, the only times I stopped using any previous Amex product ( Delta Gold ), was to instead put my spend on the more expensive Amex product ( Amex Gold ) instead. Customer service basically told me that it sucks, but it is what it is, and that the " system '' makes its decision and it can not be appealed. The terms for denial of bonus are too vague and anti-consumer, as it gives the company license to deny bonuses for any reason, without giving the customer an appropriate or explicit answer as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: MS
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 disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the, DATE OPENED IS WRONG,, BALANCE IS WRONG, HIGH CREDIT IS WRONG, LAST REPORTED DATE IS WRONG, DATE LAST ACTIVE IS WRONG AND THE DATE OF LAST PAYMENT IS WRONG! 

This grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681e Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates.

15 U.S.C. 1681n Section 616 ( a ) Civil liability for willful noncompliance In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2023-05-06
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Aidvantage XXXX XXXX XXXX XXXX XXXX have a copy of my bankruptacy petition and the discharge from aboiut two decades ago and thei can't tell me if the amopunts on my credit report are accurate. 

I went with the consolidation under teh Obama Administration and loans were consolidation. I had and have no idea if loans covered by the bankruptacy are removed. 
I am getting no assistance but I know the numbers are likely wrong and I am struggling getting information from teh National Student Loan Database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We Purchased a house in 2016 and our loan was sold to Round point Mortgage. When we purchased the house for {$260000.00} it was far below market value as other homes in our development have sold for {$400000.00} and above. We have put over {$70000.00} into the home since we purchased it ; in updating and renovating. We have tried twice to get Round point to Drop PMI and the latest appraisal came back at LTV 77 %, they will not drop PMI even though we are under the standard 80 % LTV requirement. They charge a fee to have an appraisal done and if you don't agree with the appraisal you can pay an additional fee and Round point again can rule on this, even though they were the ones that originally denied your claim to have PMI removed. This practice i feel sets the home owner/ Customer up to never win any dispute. The purpose of PMI is to Protect the loan and the investment, when homeowners are willing to put that much money back into their homes shouldn't that also show the mortgage company the homeowners willingness to increase the homes value.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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