BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted The Home Depot on XX/XX/XXXX to confirm my balance and assure my auto payment amount was active. While speaking to the CSR I uncovered my balance increased to XXXX. I had a siding and gutter installed in XX/XX/XXXX and bottom cost was XXXX. I established APO to pay off the balance, rarely had any issues with past due and payments were received on time. During my consultation for the installation I was told that promotional offers are available ( Sales consultant at that time XXXX XXXX ) however, I was totally unaware of how these offers worked. There was no in-dept break down of which services received what promotion, and what I'm required to pay per month to avoid large amounts of interest. For example, I was advised in XXXX a promotion expired, due to not paying in full XXXX, I was charged interested on XXXX in the amount of XXXX which spiked my final balance up. I was also informed that I was placed in the Covid-19 deferred payment program, which no payments were required for two months ( XX/XX/XXXX ) and that my promotions were extended out that would be a benefit for me. I never asked to defer any payments, I opted into auto pay, I had to manually call The Home Depot to continue submitting my payments. The XXXX continued to tell me about how the Covid defer program helps, me than after XXXX minutes of trying to understand my chargers she than says : Your not in the Covid program, I escalated the call to a Manager XXXX, who hangs up on me than, I called back requesting another Manager. XXXX from executive relations takes over the call. I revisit my case, advise her multiple times that The Home Depot did not disclose how these promotion work, I have a balance due over XXXX XXXX, she overlooks my problem, and become very bias, stereotypical and says " If we did not disclose the promotions, I will send feedback, you've reached out escalation department in the past, and if you want the XXXX removed you have to pay XXXX today ) I will complete an investigation and reach you in 5 days. I than asked for the CEO information, she advised he can't give that information out.

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 2023-03-05
Company: Rocket Mortgage, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was informed by Rocket Mortgage that a soft pull on my credit report will be done. Instead, a hard pull was done which affected my credit score. I am not looking to borrow funds and was looking for rates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This was for my Citibank card. I had an autopay that usually pays in full but I moved across the country and had more charges than usual, so I changed that payment to {$1700.00}, an amount well over the minimum required. At least that's what I thought but I must have accidentally created another payment of {$1700.00} because two {$1700.00} payments were taken on XX/XX/2023. I spent hours calling that day and several days after to get one of the payments reversed, and even spoke with a manager who assured me it would be reversed. It was never reversed and this has had a big negative financial impact on me. This should be a simple and easy process. It should not have been difficult to reverse one of those payments. I have been a stellar cardholder for years and never missed a payment. 

In addition, I have continual fraud alerts with both Citibank cards I have. Every time I have to call to verify information, the process is inconsistent ( meaning they ask numerous questions that are different each time ) and it takes at least 30 minutes each time. The last time was this morning and they had to cancel my card. I told them that I don't want another one. Communication and hold/wait times are atrocious, as again, this should be a fairly simple process. I will not have a Citibank card again.

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 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
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:
The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

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 2023-07-11
Company: Kohn Law Firm S.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a communication from Kohn Law Firm regarding a debt they claim I owe. During this communication, a representative from the law firm threatened to take legal action to seize my house if I did not immediately pay the alleged debt in full. These threats have caused significant distress and anxiety for me and my family.

I believe that the actions of Kohn Law Firm are in direct violation of the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Threatening to take my house is an extreme and inappropriate action that goes beyond the bounds of legal debt collection. 

I want to emphasize that their threats are unwarranted and have caused me significant distress. I have not yet responded directly to the law firm as I wanted to seek guidance and support from the Consumer Financial Protection Bureau before proceeding further. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Kohn Law Firm for their unlawful and intimidating behavior. It is crucial to protect consumers from such abusive debt collection practices and ensure that debt collectors adhere to the guidelines set forth by the FDCPA.

Kohn Law Firm is already alleged for unlawful violations of the Fair Debt Collections Practices Act for allegedly omitting " safe-harbor '' language as a means to allegedly mislead and collect larger amounts from debtors that what is owed. It is causing a lot of stress reading online cases like Kohn law firm mailed a letter to XXXX ( XXXX ) in connection with the judgment entered and the alleged debt. The letter informed her of the alleged debt, but allegedly did not inform her that the debt would be increasing at a rate of 5 % per day. 

The suit accuses Kohn of not including so-called " safe harbor '' language disclosing that they were attempting to collect the full amount plus interest accrued daily until it's paid off. 

XXXX XXXX  language provides debt collectors with a way to notify consumers that the amounts they owe may ultimately vary. 

I am prepared to cooperate fully during the investigation and provide any additional information or documentation required to support my complaint. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I appreciate your assistance in addressing this violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm having some third party company reporting inaccurate information to all 3 credit bureaus about a past auto loan. I'm asking for written proof showing my signature that I owed this debt and Not some e-Oscar online check. This is a violation of the Fair Credit Reporting Act. This negative reporting needs to be removed from all 3 major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I was the victim of identity theft. I learned that someone had opened a BestBuy credit card through CitiBank in my name without my authorization. This person made a single purchase at BestBuy with this new card. As soon as I learned of the purchase, I called BestBuy to report the fraud and close the account. I then called CitiBank to make the same report. I opened a fraud claim and created a PIN. I also created a fraud alert with the credit reporting agencies. I also filed an identity theft claim with the FTC, reference # XXXX. 

On XX/XX/XXXX, I again called BestBuy because I was still receiving emails from BestBuy about my account. I spoke with a customer care agent, and the agent " successfully sent an account closing request. '' On XX/XX/, I initiated a chat with BestBuy because I was still receiving bills and account statements. The person I chatted with assured me that the card had been cancelled and would not be sent to collections. However, I continued to receive bills from CitiBank. 

However, I continued to receive bills and calls from CitiBank about this debt. Whenever I answered the call, I was informed that the person calling about the debt could not access or do anything about the fraud claim. So on XXXX XXXX XXXX, I called CitiBank consumer protection. I spoke with someone named XXXX. She told me that this account showed a " confirmed active fraud claim '' and assured me that I would receive a letter in the mail to that effect. I was also told that it would not be sent to collections. 

One month later, the calls and letters from CitiBank continue. One week ago, I received a letter in the mail indicating that the account would be sent to collections. Feeling out of options and dismayed by CitiBank 's inability to facilitate communications between its consumer protection unit and its collection unit, I have turned to the CFPB. I continue to suffer from CitiBank 's intransigence. On XX/XX/XXXX, my credit score was XXXX. Today, it still records a " late '' debt that was due to fraud and my credit score is 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 2020-09-24
Company: EQUIFAX, INC.
State: GA
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:
The companies continue to report inaccurate information on my credit report. I notified them twice that they are illegally reporting inaccurate information on my credit report. Im attaching my letters with all the information necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Comerica
State: MI
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:
We issued a check on XXXX XXXX in the amount of {$12000.00} drawn on Comerica Bank and issued City of XXXX XXXX for the summer 2023 real estate taxes. 
The check was altered and cashed remotely in XXXX. 
Upon notice from the City that our taxes were delinquent we immediately filed a report with Comerica concerning this fraud. 
We also filed a police report with the City of XXXX XXXX on this matter. 
They suspect that the check was stolen from the post office or at the City offices. 
They contacted their counterparts in the City of XXXX to advise them of the fraud. 
They also reached out to Comerica to a little more investigation on this matter, such as who cashed this fraudulent check and received no reply from Comerica. 
We have exhausted all avenues to get reimbursed from Comerica for this fraudulent check. 
We have had a banking relationship with Comerica for over 40 years and have never had this type of incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: TD BANK US HOLDING COMPANY
State: MD
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 wrote the Internal Revenue Service ( IRS ) a check for {$2500.00} to clear up a debt owed. 
I received a notice from the IRS dated XX/XX/XXXX, that I still have an outstanding debt. 

I asked the IRS Representative was the {$2500.00} check received. The Representative gave me a list of checks that had been received by the agency, however check # XXXX for XXXX was never received. 

I went to my bank, ( TD Bank ) on XX/XX/XXXX and filed an affidavit of forgery and received a copy of the alter check and unauthorized withdrawal of {$2500.00}. 

Check # XXXX was altered and made payable to XXXX XXXX. This person made a mobile deposit to her account at XXXX XXXX. 

My bank denied my claim because this transaction was over XXXX old. However, my bank extended my claim to 1 year. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX Police Department with XXXX. XXXX XXXX # XXXX. He assigned me a case # XXXX. For questions please contact XXXX. XXXX XXXX on ( XXXX ) XXXX or on his XXXX I am requesting that TD bank investigate this matter thoroughly, and I would like the end results to be an reimbursement of the funds that was stolen form me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: Self Financial Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I paid off my Self loan and I was told that I would receive payment on the XXXX of XXXX. I was asked to verify my identity with the debit card I payed with and a drivers license. I found this strange because why wasn't this done before they started my account and accepted my payment? Self Lender never said this process would result in them freezing my funds. The lend my to believe this process was just about keeping my account. After trying to comply with there demands now there website won't accept my docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Possible Financial Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. XXXX XXXX XXXX has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account POSSIBLE FINANCE. Last month I submitted a cfpb complaint, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. XXXX has since removed this inaccurate account but your company is still furnishing information to XXXX and XXXX. You are also reporting 2 different account numbers for the same account. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 3-bureau credit report which shows the inaccurate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB CARD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Married couple are co-borrowers on mortgage. As a sole proprietor for a business, one borrower had to file for business bankruptcy. Our home loan was NOT part of the bankruptcy. All mortgage payments have been made monthly. As of XX/XX/2023, our loan statements were labeled " bankruptcy loan statement. '' We were charged {$900.00} from Flagstar for their attorney 's fees, even though this loan was not included in the business bankruptcy. The bankruptcy was completed and filed on XX/XX/2023. Flagstar was notified by our attorney that the plan was approved. We received a letter date XX/XX/2023, that " we are committed to working with you to find the best solution for your current needs. '' On XX/XX/2023 XXXX XXXXXXXX we called Flagstar and was told our loan was in bankruptcy and do to this, we no longer have online access and all payments need to be made by phone. When asked when we were notified of this, XXXX XXXX who claimed she was the supervisor, stated the " system '' was down and we were sent a letter on XX/XX/2023, also claiming we should have known this already. To this date, we have not received this letter. When told we have not received any such notification XXXX informed XXXX that " they don't control the post office. '' There has been no notification on the loan portal, where we make our payments, Flagstar also has both of our email address ' and cell phone numbers. At no time was any attempt made by Flagstar to notify us using any other means they had at their disposal.

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 2022-04-12
Company: Experian Information Solutions 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:
I keep receiving communications from XXXX about a loan for XXXX and the account and loan is not mine. This is an unauthorized and fraudulent account that should not be reporting to any credit bureaus. It is reporting to Experian to date. I reached out to XXXX on XX/XX/XXXX concerning this matter and did not receive a response until XX/XX/XXXX stating that XXXX took XXXX XXXX XXXX side and that the account was delinquent. I've tried contacting XXXX and they are not available via the telephone only email. Per my rights under FCRA, this unverified and unauthorized item must be removed from my credit report with Experian.

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