BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I already closed my credit card.
I contacted citibank to close my account.
They agreed to close those.
So I asked them my balance ( to pay all balance ) Then I paid those off in full which they told me.
After couple month later.
They said I have past bill.
I tried to contact them but no answer.

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 2019-02-25
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have complained before about Ally Bank. They have falsely sent my information to XXXX in retaliation for a complaint

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 2019-07-10
Company: Michael J Adams PC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The XXXX XXXX XXXX the attorney sue me that I dont what is they been try to call me they file lawsuit. When I go to the courthouse and response to the courthouse they told me that case is already close and dissmed with out presentation to the us. The judge order judgments without party affair to the court I been response to the court myself. But no luck. I think the judges is already bought by the lawyer present the by XXXX XXXX XXXX. The judge dont my situation Im very disappointed of the judge for judgments because I cant afford the lawyer presenting me .and XXXX XXXX at the he is XXXX  XXXX very seriously sick. He couldnt walk or talk. Im been struggling to taken of him. Even been going to the courthouse the judge is already bought of his judgments. On XX/XX/2017. The judge made his judgments with out talk to us. I dont know what is creditors sue us all know I been harassed by this company. They going to sue me or put me the court with discuss to what is, I am really this appointed by the judge for not knowing our situation.. I very stressful my life since my deceased now. No ones to go. I can not afford to hired a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
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:
I have XXXX points on my XXXX XXXX Mileage Plus credit card. I attempted to use these points by going onto the company web page. I was unable to go through the various steps to redeem the points with a purchase. I contacted the credit card company and a representative in their computer department attempted to help me purchase an item however he was also unsuccessful in being able to download this item. I asked the representative if I can redeem my points by speaking to a representative and he stated that this is not possible as the redemption can only be made via the web. My points expire this month. The quandry is that I will lose these points because the credit card company can not help me and as I can not speak to a human being for the redemption.I will lose these points this month. I am enclosing several documents.

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 2017-10-03
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
For the past XXXX months, XXXX XXXX XXXX XXXX has been actively sending me promotional materials about their credit card and its associated benefits. The benefit that was appealing was that after spending {$3000.00} in the first XXXX months, XXXX would credit my XXXX XXXX rewards program with XXXX miles. After spending more than {$3000.00} during the first XXXX months, I called XXXX to inquire when my mileage credit would occur. I was advised that since I was a credit card holder XXXX years ago, these " reward '' miles would not be credited. I was totally surprised and due to their inability to address their own promotional information, I have closed my account with them and will probably never do business with this organization that undertakes consistent false advertising.

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 2021-06-11
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f )

( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Yes, I have on numerous times spoken with various specialists with XXXX   XXXX regarding my XXXX XXXX account with XXXX being the last one spoken with on XX/XX/XXXX. At that time I explain completely my financial hardship at that time, had no available income, job cut hours tremendously and with my other financial obligations of which I must live can not or do not have any extra monies for this account. I asked if it could be place on hold or postpone until I find a new job and was told no but that she will notate the account. Now just today and yesterday XXXX/XXXX/XXXX and XXXX/XXXX/XXXX they have placed my file with another harassing representative specialist by the name of XXXX XXXX, she stated on voicemail that she works at the company until XXXX XXXX EST and her telephone number was ( XXXX ) XXXX Ext. XXXX. This lady calls all times of day and sometimes I have had these calls come thru at night, whether it be her or someone else from this company. This affecting my health, I do not have any monies and continuing to call and harass me with these threatening phone calls will not help any monies come to me or the company at this time. I can not pay if I have no money. I want the calls to stop. They should not be allowed to continue to hound me. I know that I owe them and I will take care of this debt as soon as I am able, but I have no income of any kind to settle this debt at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/17 a deposit in the amount of {$900.00} was made using my Mobil App. Right after I made the deposit I received an email from Capital One 360 letting me know that the Mobil deposit that I made was a fraudulent transaction and they will close my account. When I made the Mobil deposit my account had a negative balance of {$37.00}, the negative balance was cleared once the deposit was made, when I called the number displayed in the email they told me that once the amount cleared they have to wait until the check returns as a NFS and then they will proceed to close the account. I have called capital one almost every day to find a solution and answers to my questions, however every representative that I speak to tells me since this is a capital one 360 account their assistance is limited, they tells me that only a security department can assist me, but I ca n't speak directly with a representative I 'm transfer to a machine where I have to leave a voicemail with my information, which I do but I NEVER get a call back. When I ask fo the phone number so I can call directly the answer is that they can not provide me with their phone number.It has being three months and the funds still are in the account, the check has n't returned as NFS not only the funds are in the account but it is earning it 's monthly interest and on top of all my college funds were direct deposit in to the account and I ca n't have access to those funds either. I 'm very troubled with this situation, I 'm a student and a part time employee that trusted a financial institution to conduct my simple finances and without further explanation one day I 'm told that my account is restricted and I do n't have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: First American Solutions, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refinance with XXXX on XX/XX/2021 for my residence located in Massachusetts. First American, who contracts with the mortgage company, incorrectly filed the mortgage with the registry of deeds. 

I have had several conversations, both telephone and email with First American in regards to fixing this issue. They have been unresponsive as it relates to resolving this issue. Not having the mortgage recorded correctly has resulted in my inability to close on a home equity loan. As I am unable to close on the home equity loan I am unable to pay a contractor for work on my home. The contractor has indicated that they will be placing a lien on my property due to non payment, which will result in filing fees and interest on monies owed. This issue could have been resolved wtihin 24 hours by First American by electronically refiling the mortgage when they were first notified last month.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-05
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA the Credit Bureaus are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureuas and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LTD ACQUISTN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LTD ACQUISTN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX 2021, XXXX XXXX sold my mortgage to Freedom Mortgage. I have not seen it recorded in the registry of deeds in XXXX XXXX PA. The deed recorder said she did not receive an assignment of mortgage. When I contacted both lenders and asked " when will they record the mortgage '' they replied with vague information and did not answer my question. I read that it should take XXXX days. And it still is not recorded. It seems suspicious that they don't want to give me an answer.

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 2020-12-22
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A ALLEGED DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE CONNECTING ME TO THE DEBT. ALSO I NEVER SIGNED A HIPPA REQUEST FORM SO THEY ARE VIOLATING MY HIPPA RIGHTS REPORTING THIS ALLEGED MEDICAL DEBT TO MY CONSUMER REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TD BANK US HOLDING COMPANY
State: NY
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 joined XXXX XXXX on XX/XX/20. On XX/XX/20 I noticed a hard inquiry on my XXXX  report from XXXX XXXX, and then on XX/XX/20 I received another alert from XXXX XXXX that there was a hard inquiry on my XXXX report from Td Bank XXXXtarget C. I disputed the XXXX  inquiry, however XXXX  is requesting I send documentation from FTCXXXX in order to dispute. I am concerned that my information was somehow breached by XXXX XXXX as I have never experienced these issues prior to signing up. I am not certain if this complain my is common. I request that the hard inquires be removed from my credit report.

Company response to consumer: Closed with non-monetary relief