BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: CITIBANK, N.A.
State: KY
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 have been trying to get an issue resolved with Citi since XX/XX/XXXX ( today is XX/XX/20 ) to dispute several credit card charges. It has been nothing less than a nightmare dealing with Citi. I have spent many hours on hold, getting hung up on, given the wrong number and trying to use their chat feature to get no response or get a response from chat in the wee hours of the morning when I was not even available. When initially calling Citi their 800 # wouldn't even route you to a real person it would immediately route you to the automated system if you were lucky or it would hang up on you. I have asked to speak to supervisors and have been told they won't be able to call me back for weeks so just try calling back at another time. This has been a horrible experience. I have been with Citi for many years and have been a great customer and this is the treatment a loyal customer receives? I am a part of a XXXX group with many members who have Citi credit cards and their experience has been quite the same or worse. All over social media Citi is telling the world what they are doing for COVID-19 but won't even help existing customers. This has been so frustrating and I have been patient in trying to resolve this issue through them but it is basically impossible when they won't return calls, disconnect me or flat out just won't listen. I have also field a complaint with my Attorney General and will be filing a complaint with the NY Attorney General soon. Any assistance you could offer would be greatly appreciated. Please know I am NOT the only person this is happening to ... check Citi 's XXXX page for all customer complaints as many many customers are experiencing these same issues. I can be reached at XXXX should you need to speak to 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 2020-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is my letter to my mortgage company that I e-mail to them on XX/XX/XXXX, to which they have not replied. I have called, but the automated system continued to kick me off the line. It is impossible to reach a live person on the phone. Best, XXXX XXXX RE : Loan # XXXX Dear SLS, I am writing to inform you of another error in your calculations. Please see the screen shot attached for verification. On XX/XX/XXXX, my principal balance was XXXX. On XX/XX/30, I made two payments. The first, was {$4500.00}, which brought my principal balance to XXXX. However, the second payment is not calculated correctly in my account ( see attached ). I made a {$1000.00} Payment to principal, which should have then brought my principal balance to XXXX. On, XX/XX/XXXX, I made another payment, of which XXXX should have been applied to the principal, which would have lowered my principal balance further to XXXX. Please check to see if this is correct. [ As of XX/XX/XXXX, my principal balance is listed as {$240000.00} ]. Please update our principal balance to the correct amount.

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 2019-01-20
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi.Legal recovery law office representing XXXX XXXX got a default judgment on a credit card debt in XX/XX/XXXX. They had a bank levy and started wage garnishment immediately. On XX/XX/XXXX I received a letter from Law offices of Hunt and Henriques. stating that that they are now representing XXXX XXXX with still a balance of {$9700.00} and the last payment they received was in XX/XX/XXXX. ( Wage garnishment started in XX/XX/XXXX and is still ongoing ). I have on numerous occation asked for a payment history but they keep sending the original Judgment. I believe either the judgment has been paid or being closed to being paid off. I would like The law office of Hunt and Henriques to provide some clarity on this judgment and a payment history please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit card with Belk for some time and recently I checked my credit balance and my credit limit was lowered for some unknown reason. I have not filed Debtors Court or Bankruptcy and the account has always been paid in a timely manner so now out of the blue they decide to lower my credit limit. This is a hit on my credit history because now it looks like I have maxed my credit out and it shows that I have little available credit. This is an unethical practice that I suspect is based on their customers race because I would be willing to bet they are not doing this practice across the board. This is a very discriminating practice that they should not be allowed, and I am asking that someone will look into this new practice that they have put in place.

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 2019-01-20
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: Public record information inaccurate

Complaint:
Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX  and fraud at the US/MEX border in XXXX. 

They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX  as a joke.

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 2018-04-04
Company: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. 

XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.

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 2019-01-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified. 

On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX  called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place. 

First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store. 

The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.

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 2020-10-15
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called many many times to find out what I needed to do about the loan I cosigned for my daughter. I am XXXX, I live on XXXX  and do not work. I will never work for the rest of my short life. I receive 100 % SSXXXX. I do not drive and Im on so much medication someone had to help type this. I have called there office 8 to 10 times each time they tell me they will mail me out my paperwork, but I never get an mail. All they do is transfer me to another dept and I was told a form will be sent to me I never got anything from Ed financial this is causing many issues with my credit. I have also written to them a few times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CFPB staff : I paid the statement balance {$2600.00} on XX/XX/XXXX to my Citibank XXXX XXXX XXXX XXXX account. However, I received an email from Citicards that reduces my payment to {$210.00} on XX/XX/XXXX. My bank account shows that both charges of {$2600.00} and {$210.00} were post on XX/XX/XXXX. I called Citicard and asked why you reduce my payment without my authorization. They agree to refund {$210.00} to my bank account. 

I ask the Citicard customer service to stop this illegal practice to reduce customer payment and charge high interest for outstanding balance without customer permission. 

I report to CFPB to investigate how many customers are victiums of this illegal practice. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NV 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 2019-01-20
Company: EQUIFAX, INC.
State: MO
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:
Please remove me from an account that's closed and listed me as an authorized user inwhich I know anything about, the account to be removed is XXXX XXXX, opened XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I went into a kohls Department store XXXX XXXX, IL like I have plenty of times. The associate asked me actually she was very persistent for me to apply for a Kohl 's charge card.When I filled out the application just some most was on the keypad I did request the protection. Like I do with other credit cards. This was a short but very memorable credit account. Kohl 's credit department called me constantly even before a payment was due. I felt alone in this account because upon approval I didnt receive contact information or payment information. So, I begin to have financial problems of course I couldn't pay my Kohls account but could make some type of payment. All my inquiries for help was denied. No assistant or other payment options were offered. I ask if some late fees can be removed when I make a payment she told me 1 or 2 but my account charged 6 late charged at that point. I have credit cards currently and all offer some type of payment options even if your not in the protection plan. Then kohls credit department stopped calling me and collecting on this account. So I called and talked to a collection manager, she stated the account has been closed. So, I was puzzled of course. Asking her what can I do to pay or set arrangements. She stated nothing can be done at this point. Kohls credit department did not call me or notify me about closing my account. Actually they told me that in my account information " ( do not contact '' ) is listed. I never ask kohls credit department not to contact me. I think something is not right with this account is seem like they opened the account just to have it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I write to complain against Toyota financial. They claim that I owe them the amount of {$6000.00} and has sent me to collections. I can not pay this amount. Instead, I write to request my {$2000.00} down payment be refunded. 

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX, XXXX and made a {$2000.00} down payment to Toyota financial through XXXX XXXX located on XXXX XXXX XXXX XXXX PA XXXX. 
The vehicle was defective ; it had a cracked windshield, broken view marrow engine was bad. The weekend I took it home the engine became dead, and the car refused to start. I immediately reported this to the XXXX car dealer and was told via phone and in person by the manager, that there was nothing they could do about it. Per my request, they could not repair the vehicle nor give me a replacement vehicle. My insurance company provided a tow truck and transported the vehicle back to XXXX 's lot. Meanwhile, my Lawyer ( XXXX XXXX ; phone number XXXX ) sends them correspondence which they refused to acknowledge. 

In XXXX of XXXX, I received a letter from Toyota Financial informing me that the vehicle was voluntarily turned over and that they will sell to retrieve their money. I got in touch with the dispute team many times informing them of the setback. I provided my lawyer 's information to be contacted. They ignored my requests, send another decision letter that I owe {$6000.00}. 

Kindly consider my formal complaint. I look forward to your assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/XXXX Re : Collection of previously negotiated bill from Portfolio Recovery Assoc. 

Dear Consumer Protection Bureau, Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill about which I originally re-negotiated to pay off with XXXX XXXX  years ago. My eventual inability to pay anything is the result of FEMA not delivering on promised financial support for another 6 months but unexpectedly stopped the support after the FEMA disaster covering the XXXX XXXX flood in XXXX XXXX to XXXX. 

I would like to plead with XXXX and Portfolio Recovery Assoc to eliminate the disaster-related bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, This account that has been reported numerous amount of times is basically the same bills. They are adding them to every inquiry for the same month twice and amount. How is this possible to report something over and over with same amounts and in same month. There are just a few that have a different amount but majority are the same. I want to know how this can be repeated over and over. Here is the company and the amounts that are the same but just reported on different days. How can they do this? Makes it look like I owe numerous bills and for the same amount and months! See below the same company and information. 

New collection WAKEFIELD & ASSOCIATES XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Receivable Management Group, Inc. (GA)
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid online {$160.00} through my insurance the bill as soon as it appeared on my account on XX/XX/2021. 
I received the XXXX XXXX  statement the day after to be paid on XX/XX/2021. 
Since XX/XX/2021 XXXX contracted debt collector XXXX and then another one Receivable Management group claimed the same invoice. 
We paid once more and finally received the cancellation of {$160.00} on XX/XX/2021. 
This is an unacceptable harassment and that is why I am escalating to you this case.

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 2019-11-06
Company: Santander Consumer USA Holdings Inc.
State: NV
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 never authorized this company to run my credit bureau reporting on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.

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