BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from Citi XXXX dated XX/XX/XXXX noting my credit line would be decreased from {$12000.00} to {$2700.00} due to " Serious delinquency '' of the account. This is not accurate since the card has been paid on time and the account was completely paid off XXXX. I have had some challenges this year but have managed to keep this account managed and paid in full. I tried to resolve through the Better Business Bureau however Citi will not address this issue and only wants me to re-apply for a credit limit they reduced for inaccurate reasons ( as well as further damaging my credit score in re-application process with an additional hit on my credit ). Since they are not replying to the XXXX   complaint with reasons for inaccurately noting my account had " Serious delinquency '', I think this may have been an act of discrimination on the part of Citibank and that is why they are not addressing the real reason they took away my credit for inappropriate reasons. This reduction by Citi Cards removing the available balance significantly affects my business plans since I planned to use that card to help grow my business in XXXX. I have worked very hard over the decades to grow my credit and have several accounts with Citi Cards, this one is the most important to me since I established a credit line that gives me security and the ability to grow my business. By drastically reducing my credit line Citi has hurt my personal credit report and credit score as well as negatively affected my future business plans. If this is how Citi plans to treat me on a year in which I have had challenges but have overcome them to pay off this account in XXXX of this year, I will always remember Citi as the company that let me down after decades of giving them business and I will then plan my future credit plans without using Citi for any of my personal, family or business needs. Note : I am not interested in reapplying for credit when I had already spent decades establishing this account credit before Citi drastically reduced the account signally they no longer valued my business.

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 2018-04-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXXXXXX XXXX  and Lowes have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2017-08-01
Company: American Credit Acceptance, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I purchased a car from XXXX and American Credit acceptance financed my XXXX XXXX XXXX On XX/XX/XXXX I had a bad accident and my car was totaled my insurance company sent an adjuster out and the car was deemed a total lost they cut a check to American Credit Acceptance for {$7900.00} they are still harassing me for payments when my insurance company has paid them off Ihad full coverage and gap insurance ive called American Credit Acceptance for a whole week trying  to get them to send documents to Gap insurance and they have been giving me the run around puttingme on hold for hours sending me to the different departments but the right one different representatives  are giving me conflict information this company is a rip off i want them to close my account and quit harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX continued to bill me after I switched back to att. Their customer service agreed and told me it was taken care off but they still sent me to collections. I ended up paying the XXXX They claim I owed ( have prof they billed me for months after I switched my numbers back to att ). Ive spent hours on the phone with their customer service that is based in XXXX & got know where. Im sure others have experienced this from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: Comerica
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The bank allowed a company to take monies out of my account without my authorization. It was on XX/XX/2018. It was 2 transactions on same day. I do have loan with the company and granted I was late paying but never authorized to take any money out of my account. I NEVER made ANY payments with my debit card. I ALWAYS went into store and paid with cash. They only had my account number for proof of income. Also, the bank allowed them to take money totalling more than my payments would have actually been. When I filed dispute with bank, at first the representative seemed to be stalling me by saying they never received my dispute on document ( which I mailed back immediately ). Then ( my opinion ) when couldn't stall any longer, I was told by representative at the bank that one of the FDIC rules were that ANYBODY that had my account number had the legal right to take money out of my account. Of course I contacted FDIC and was told that statement was outright FALSE ( which I actually knew ). On the 3rd time I checked a supervisor at bank told me that my claim was denied because they ( the bank ) couldn't get documents showing my agreement authorizing the company to take my money. This last " excuse '' for denial made no sense to me because THAT'S EXACTLY WHAT MY DISPUTE WAS I DID NOT AUTHORIZE THE COMPANY TO TAKE ANY MONEY OUT OF MY ACCOUNT SO THERE IS NO SUCH DOCUMENT. The company was XXXX XXXX and they made two unauthorized withdrawals from my account of {$41.00} on XX/XX/18 and {$75.00} on same date XX/XX/18. I immediately notified the bank that these withdrawals were not authorized by me at any time. I also notified company that they did this illegally via email. The response was they would not refund " my payment ''. The bank sent me form to fill out to return and let me know it was time sensitive and I complied within the time frame. My assumption of this is my money was taken as if it were a garnishment and my bank allowed it to happen and to tell me that anybody that had my card/account number could " legally '' take my money at ANY time. This SCARES me and shouldn't happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Family members were contacted to get ahold of me. Information was used that is not listed on my account an a non company phone number was listed as the call back for Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
We were supposed to travel to Arizona with my wife and XXXX daughters. My younger daughter became very sick and we had to cancel my wife 's and my daughter trip. We purchased the trip with Sapphire Reserve Card which had travel cancellation insurance.We paid part of the price with the points we accumulated. 
I submitted insurance claim including proof that we purchased the tickets, signed form by the doctor and airline cancellation confirmation number. 
Despite this Sapphire Reserve Benefit service continue to require from me the same documents and adding new unreasonable documents that I can't practically obtain including ( see list of documents and my comments below ) : - A letter from the tour provider or common carrier that provides a breakdown of the unused prepaid flight expense, hotel, or cruise ( airline refused to provide me this letter ) - The copy of the Travel Supplier 's Cancellation or Refund Policies ( the airline does not send these policies to clients but we provided to the company airline trip cancellation numbers - see attached ) A copy of your original itinerary which includes the dates of travel, name of travelers and cost of the trip ( i already submitted this document ) The Physician Statement Form that you provided was not complete. Please provide us with a copy of the Physician Statement Form completed and signed by your physician ( I already did multiple times ) Verification from the Common Carrier, Tour Operator, Travel Agency, or Travel Supplier ( ex : airlines, cruise lines, hotels, etc. ) on their letterhead or email regarding any refunds or credits provided for future travel. ( Airline refused to provide this but I already submitted airline cancellation conformation numbers ). 

A copy of your updated itinerary outlining any change fees you incurred to change your trip or documentation from the Common Carrier outlining any change fees you would incur to use your credit at a later date. ( i just cancelled the trip and there is no such a document exists ). 

I strongly feel that Sapphire Reserve asks me for the same documents again and again and asks for the documents I cant practically obtain in order not to pay my insurance claim which is extremely straight forward in its nature : My wife and my daughter had to stay home and Sapphire Reserve has to refund their flight tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called today on XX/XX/2018 and have been repeatedly called by this company to collect a debt that I do not owe. ( There is nothing on my credit report. ) Many times they refuse to identify who they are.

They have also called my wife, parents, brother and sister to collect a debt I do not owe, disclosing details about the alleged debt. My parents were threatened that I would be prosecuted if the debt was not paid.

This has gone on for years. Approximately two years ago I sent them a cease and desist letter demanding that they stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was delivered XXXX XXXX, 2017 sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.

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 2019-04-11
Company: Agency of Credit Control
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
" Agency of Credit Control '' just inserted erroneous information on my credit report just over {$60.00} in collections. I have absolutely no knowledge of this account. What's more, the collection is allegedly from XXXX XXXX XXXX (? ), even though I use XXXX XXXX XXXX for my eyecare needs. Finally, they seem to believe this account 's " original '' amount is $ XXXX-something, so somehow they are also trying to collect some form of interest on an account that should not exist in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: MILES FUNDING, L.L.C.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX I noticed XXXX XXXX to start to apply my mortgage. My realtor sent all the amendment to her on XX/XX/XXXX. According to the amendment we signed with seller, the closing date was XX/XX/XXXX. But XXXX XXXX said we can not closing on XX/XX/XXXX because we were missing appraisal. The mortgage company should make appointment earlier, but until XX/XX/XXXX, the noticed us that they just make appointment with appraisal company. On XX/XX/XXXX lender noticed me and seller we can closing on XX/XX/XXXX, but we received an email said we need a new appraisal, because the lender not approve the last one. Seller was very mad, because we have changed the closing date twice aready. Seller didn't want to sell the house to us unless we pay extra {$2000.00} to him. The final closing date was XX/XX/XXXX, it was delay 7 days cause us lost {$2000.00}. It was not our fault. I think the reason we delay so many days because the unprofessional mortgage company, the agent didn't do our document on time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
paypal synaynay bank put credit inquiries on all three credit reports!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
Please HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 74 days and I have not received a reponse. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately please help or I will have to file 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 2021-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
Experian and XXXX credit bureau and others display fraudulent, inaccurate, information on their credit bureaus that is severely damaging to me. I have tried through more than XXXX different disputes submitted to both bureaus to have this harmful degrading information removed. 
The subscriber is XXXXXXXX XXXX, account number XXXX. 
Both bureaus possess the same historical and balance information here. I have only included a third party report, an Experian product, as XXXX, -- -it is difficult and time consuming to get a new report because I am blocked by XXXX in their new ridiculous EXTRA SECURITY system ; that if I get interrupted while in the middle of their newly lengthy process to get anything done, I WILL FOREVER BE BLOCKED ... THEN I HAVE TO CALL XXXX WITH UNBELIEVABLY LONG HOLD TIMES TO GET UNBLOCKED. 
The point is of this recitation is that I am certifying that I have exactly the same reporting errors on XXXX and do not want XXXX to escape liability for their erroneous and fraudulent, damaging, relentless, reporting of false information on me. THE INFORMATION IS FRAUDULENT ON THE FACE OF THE RECORD TO ANY COMPETENT HUMAN WORKING IN THE CREDIT FIELD WITH A BARE MINIMUM OF INTELLIGENCE. THE BALANCE HISTORY FROM XX/XX/XXXX THROUGH XX/XX/XXXX AND ACCOMPANYING HISTORICAL INFORMATION CAN ONLY BE EXPLAINED AS THE WORK PRODUCT OF SOMEONE IN THE MIDDLE OF A XXXX  EPISODE. WHAT I MEAN ... ..IT IS IMPOSSIBLE FOR THIS INFORMATION TO BE CONSIDERED ACCURATE BY ANY REASONABLE PERSON. IT IS IMPOSSIBLE FOR THE INFORMATION TO BE CONSIDERED ACCURATE ... YET BOTH BUREAUS SIMPLY DO WHAT XXXXXXXX XXXX  WANTS AND VERIFY REPEATEDLY THIS ABOMINATION. 
SEE THE ATTACHED CREDIT REPORT FROM TODAYS EXPERIAN. EXPERIAN REPORT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2019-04-11
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have FHA loan from XXXX, LTV less than 90 %, term for 30 years. 
The Informed Consumer Choice Disclosure Notice states that if the term of your loan will be greater than fifteen ( 15 ) years and LTV is 95.01 % or greater, borrow is required to pay MIP for thirty ( 30 ) years. As the loan was originated after XX/XX/XXXX, and good LTV our PMI should be cancelled. 
We are paying PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. 
We have requested M & T to drop PMI but they don't agree and state it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have 20 % equity build up..

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 2018-12-10
Company: Computer Credit, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and Computer Credit , Inc are attempting to collect a debt for services that were not rendered. I have notified XXXX XXXX 's office in XXXX XXXX XXXX, Iowa of the issue but to no resolve. Instead, they have engaged Computer Credit to attempt to collect from me. 

The bill amount is for {$1200.00}. The only services performed by XXXX XXXX was a XXXX procedure. This bill is for a XXXX - a service NOT provided by XXXX XXXX. Further, I was under NO CONTRACT to buy a XXXX  from them. The reason I did not use their service is that the prices were too expensive and they treated the entire process like I was buying a used car.

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 2019-04-11
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: Old information reappears or never goes away

Complaint:
Approximately 6 years ago I had a dispute with XXXX a mobile service company They could not verify a final balance and next I knew it was in collection way over the amount I expected ..I contacted them about this, had to change service because their system did not accommodate my phone They put it as resolved but derogatory ..on XXXX XXXX credit report Approximately a year ago I was contacted by a collection company. On investigation it appeared to be a phishing scam and was not reported so I assumed that is what it was Now it appears to be on experian Very concerned because there have been this kind of phishing going on in other area of my public profile It comes up as XXXX XXXX XXXX XXXX In the amount of {$510.00} Please let me know the result of your investigation XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation