BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
was on vacation in XXXX on XX/XX/2018, and I had my credit card with me, I went to dinner and when I paid my bill I gave my card to the waiter to make the payment, the waiter left and a few minutes Then he return with my card and my bill. 
that was the only time I did not have my card in my hands Two days later when reviewing my account statement I realized that I had a charge of XXXX dollars from a bar restaurant in which I was not there that night and in fact I have never been in that place. 
I made my claim with the credit company and they did not want to follow my case because supposedly that payment was made with the physical card. 
I have asked for proof that it is actually my signature, because although physically I was supposed to sign. 
The credit card company never showed me any proof that the signature is mine or that in fact that receipt is signed. 
I was a victim of fraud and they ( the credit card company ) said that I have to make a report to the police, I was on vacation and I realized when I returned to the country. How am I going to return to make a report? 
I think they have an obligation to follow up and show me the proof that I was the one who was consuming XXXX dollars in food and alcohol for one person.

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 2017-11-07
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC, is our current mortgage company, and is holding a flood loss check issued on XXXX/XXXX/XXXX in the amount of {$26000.00}. issued by XXXX XXXX. XXXX for losses sustained in Hurricane Harvey. Our home is in XXXX XXXX, TX. The check had been sent to them and after claiming they had not gotten it, we contacted the flood insurance company as to it 's whereabouts. We were again informed that the check had been mailed to Fay Servicing. Fay finally " found '' the check and mailed it to us for our endorsement. ( They over-nighted the check to the property address, requiring a signature, where no one was living due to damages. ) We returned the endorsed check to them on XXXX/XXXX/XXXX and they deposited the check to their account on XXXX/XXXX/XXXX. During this time, from XXXX/XXXX/XXXX, our initial contact, we have made numerous phone calls, emails and written communications explaining our need for the release of funds. We have signed and sent them the Homeowner 's Certificate of Intent to  Repair on XXXX/XXXX/XXXX, with the receipts of close to {$9000.00}. already spent on repairs. Fay had also requested a flood insurers inspection and estimate of loss from us. Due to the extensive damage, way above the insured amount, the flood insurance company did not give us a report. A letter was sent to Fay from the flood insurance company to that effect. As of this date we have not had an inspection on the property by Fay or any release of funds. Our account manager, XXXX XXXX, emailed us on XXXX/XXXX/XXXX stating that he had forwarded a request to the company 's loss draft department for expedited attention to our account.We replied to his email acknowledging his help but also stating we had already reached out to Texas State authorities. Our Attorney General 's Office advised us to file complaints with several different authorities which included this office. We also started a file with the XXXX XXXX XXXX XXXX set up for free financial help to Hurricane Harvey victims. We will be contacting other agencies today in hopes that they can help us in some way. Our son has borrowed funds to repair the home and has spent another {$5000.00} in materials and labor. We feel Fay Servicing LLC is attempting to keep the flood insurance proceeds to recoup their investment or at the very least to  collect interest on the amount. We only owe less than {$24000.00}. on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-01-16
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a CitiMortgage loan account it went past due back in XXXX or XXXX I got a letter from XXXX XXXX XXXX saying they could help me work out a repayment plan with CitiMortgage. So i paid them a lump sum up front and made payments to them for 18 months. Then i found out they did nothing for me at all they just took my payments and got me more behind with CitiMortgage. 
Since that time i have been trying to get my loan in some kind of repayment plan But CitiMortgage is very unwilling to work with me They keep asking for documents that i have already sent over and over again. 
Then CitiMortgage started coming up with other reasons such as your interest rate is lower now then what we can offer you. 
You have already had loan Modifications in the past we can not offer you another one. 
Your paperwork was not sent on time to stop your foreclosure. 
In the last year i have received loan modification paperwork from CitiMortgage but then i was told it was not approved or sent by CitiMortgage. 

These are the problems i am having with CitiMortgage besides the fact i have asked for copy 's of my loan documents from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, So i can find out what kind of fraud is going on with my account. 
Instead i get the run around and to this date i have not seen one document i have asked for all i want to do is resolved this matter. 
I have told CitiMortgage many time i believe my account information has been tampered with and it need to be looked at, There answer to me is. OH IT IS SET FOR A FORECLOSURE SALE AND I CAN NOT STOP THE SALE. 
There is a sale date set for XXXX/XXXX/XXXX I need this canceled until we can get to the bottom of the fraudulent activities going on. 

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 2018-01-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I having problems with my someone using my identity and causing these negative accounts on my credit. this is very stressful and all I want is my like back please help me revolve this headache for me thank you

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 2021-03-09
Company: Experian Information Solutions Inc.
State: NY
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 recently filed a complaint stating that there were inaccurate data being reported by the bureaus. They claimed it was verified. I requested that proof be provided from the bureaus showing their method of verification as well as any evidence to support this claim. I never received anything. I have attached copies of recent credit reports showing different information being reported between two bureaus for the same account. This is a blatant violation and proof that the information was not verified. I have given more than the time allowed by FCRA laws and will sue if I am left with no other alternative. This must be updated per my request to remove the late payments and reflect paid as agreed immediately.

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 2018-01-22
Company: CITIBANK, N.A.
State: CA
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:
Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.

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 2018-11-08
Company: Experian Information Solutions Inc.
State: MI
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 have submitted disputes with XXXX, XXXX, and experian about balances and incorrect reporting of student loans and also student loans that do not have contracts. Experian and XXXX has refused to dispute these items and did not validate or verify information with the companies but stated that they were valid and updated while none of the accounts were updated or valid. Upon asking for re investigation it was denied although the accounts were never investigated. XXXX  investigated the accounts and deleted them because there are no contracts and and are also reported incorrectly/open close dates/amounts/ balances/etc. I am seeking the method of verification from XXXX  and experian as they are not valid and there are no contracts for these accounts. I am adding the disputes so that they can be re investigated validated and deleted immediately. The Credit reporting bureaus Refuses to investigate items but will state in dispute letters that it has been investigated upon contacting the company the companies state that they have not validated or verified any information with the credit reporting bureaus. I have attached the dispute to this 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: D&A Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by D & A Services , LLC of IL. D & A Services , LLC of IL has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to D & A Services , LLC of IL. They received it certified mail and signed off at XXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-01-11
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent an email on XX/XX/XXXX to let the company know that i was XXXX to a secret location and i would not have access to any communication and I wasted to be covered by the Civil relief act for Soldiers. They never responded to me. I called again on XX/XX/XXXX and they asked me if I wanted to make a payment. They never sent me correspondence or advised me that my account was charged off. When I called on that day I paid the account off in the amount of {$5900.00} and they mailed me my Title. Even though I paid the account in full they still charged off {$7200.00} of the Account selling it to another company. If they charged it off, I would like to receive my money back with interest and the account moved from my credit file because their practices are criminal in taking advantage of military individuals.

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 2018-01-15
Company: BARCLAYS BANK DELAWARE
State: AZ
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 customer service

Complaint:
On XX/XX/XXXX I received an email from Barclays advising me of fraudulent charges on my XXXX. Someone stole my card number from a free-standing ATM machine outside XXXX XXXX XXXX XXXX XXXX when I visited in XX/XX/XXXX. They used my card information to take out a cash advance in XXXX on XX/XX/XXXX. I live in  XXXX, AZ. I called Barclays immediately. They closed out my account and gave me a new card. I was told it would take 2 to 3 billing cycles to be reimbursed for the {$500.00}. After several calls and many promises, the charges are still on my bill. Barclays is also charging me {$26.00} a month in interest on a bogus charge. During my last call on XX/XX/XXXX I was again promised the charges would be deducted within 48 hours. Today is XX/XX/XXXX and charges are still on my card. 

I want my money back NOW! I was told that my money will not be refunded until investigation is complete. When I called on XX/XX/XXXX and spoke to the supervisior XXXX, he informed me someone at Barclays dropped the ball and never started the investigation. 

I would like to file a lawsuit against Barclays but do n't know how to go about it. I 've also considered going to a local tv station in hopes that negative airtime would encourage Barclays to fulfill their promise. I am angry and frustrated. I feel totally helpless and taken advantage of. Where do I go from here?????????

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 2021-03-09
Company: LoanCare, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried several times to call and speak with LoanCare regarding LoanCare inaccurately reporting our account number XXXX as late by 90 days in XXXX. I finally got connected to a lady name XXXX, who provided me with an email address to deal with the credit reporting error. On XX/XX/XXXX, I received an email indicating a ticket number that they had assigned our account to LoanCare 's Loss Mitigation Team for review and resolution, but I have heard nothing since.

Meanwhile, we are moving and our mortgage loan approval and interest rate are being affected by this errant reporting. Below is background information regarding this inaccurate credit reporting by LoanCare as detailed in my email to LoanCare : Due to the pandemic, we applied for and were approved for a 90 day payment forbearance ( see attached letter dated XX/XX/XXXX from LoanCare approving the forbearance Confirmation number XXXX ) Due the continued unknown future of the pandemic and the Stay at Home Order, we could not rent the subject property collateralizing this loan, so we called and were provided with a 90 day extension through XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX and out handwritten notes on the letter - Confirmation number XXXX ) On or about XX/XX/XXXX, I noticed through my XXXX and XXXX accounts that my credit score had gone down by about 50 points. I researched the matter and found that LoanCare had reported the subject loan as delinquent 90 days. I called LoanCare and spoke with a lady that said LoanCare did not report us delinquent and that I had to go to the credit reporting agency for resolution. I contacted XXXX, and after a few weeks, they sent a report indicating that the issue had been resolved, and my XXXX and XXXX credit scores are now both back around XXXX. ( See attached letter from XXXX  dated XX/XX/XXXX ) I am now applying for a loan to purchase a new home and my mortgage company informed me that LoanCare is still showing my loan as 90 days past due ( See attached credit report, page 3 ).

Please note that the subject loan was never past due and was paid in full through sale of the property on XX/XX/XXXX. Coincidentally, that is the date that LoanCare reported our loan as 90 days past due. We never received any past due notices.

My wife and I have never been past due on any payments in our lives, and this is affecting our credit availability.

LoanCare is not being responsive. There customer service phone number is ( XXXX ) XXXX. Please help!

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 2019-07-18
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a 2000 XXXX XXXX which was financed by Westlake Financial Services, LLC in XX/XX/XXXX. During a difficult financial period before I passed the California XXXX XXXX, my car was repossessed for being 45 days late. After extensive conversations, I was provided with a viable option to obtain the car back, including the waiver of repossession fees. I did in fact get my car back and paid off the loan in XXXX, except for a small balance representing the repossession fees ( which still had not been removed ). 

After several heated conversations with representatives of the company, this charge remained on my account. They threatened to repossess the car, but did not take such action ( in fact, the balance was charged off by Westlake in XXXX ). 

In XX/XX/XXXX, I received a letter from Westlake/Redress Administrator along with a check for {$180.00}, in connection with the Consent Order that Westlake Financial Services, LLC entered into with the CFPB ( File # XXXX ). I was identified as Group B in the letter. 

I reached out to Westlake in XXXX of XXXX and spoke with Mr. XXXX who advised me " well I'm not just giving you your title ; you have to pay something '' and falsely claimed that I received a refund check for interest ( I have in fact read the Consent Order in its entirety ). Mr. XXXX tried to make me pay {$230.00} to obtain my car title and refused my request to speak with a supervisor. He advised me that my only recourse was to send a letter to the charge off department. I subsequently sent a letter and received no response. On XX/XX/XXXX I finally got a supervisor on the phone ( XXXX XXXX ) who advised me to email all documentation to him so he could personally address the matter. When I called today ( XX/XX/XXXX ) I was transferred to a representative named XXXX XXXX who refused to transfer me to Mr. XXXX and insisted that I should have taken the check I received to pay them and demanded that I pay them in full. He also stated that the Consent Order did not apply to me. 

Westlake Financial Services, LLC is holding my car title XXXX. While I purchased a new car last year ( directly through XXXX ), I am unable to do anything with the 2000 XXXX because of their egregious practices.

Company response to consumer: Closed with explanation