BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
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: Other problem

Complaint:
In the Financial year 2019, I had Citi Double cash with Citi Bank and that's the only service of theirs that I used. For the year 2019, I have received two 1099-B with proceeds totaling ~5000 . Both have a description " XXXX XXXX XXXX ''. I never did any such transactions with Citi 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
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: FL
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:
Demanding Equifax to complain with the FCRA laws and to immediately remove unauthorized on my credit report that are affecting me. I have sent numerous of documents to have this issues address but they have failed to address my concerns or complain. 
I spoke to XXXX XXXX at XXXX XXXX  EST today addressing this issue as this is my last attempt. Below I have listed the inquires and dates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company sent letter notifying me of debt. I disputed the debt through written notification provided in the 30 day allowance showing proof of debt awarded to spouse in divorce. Company refuses to remove the negative information from my credit report

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 2020-06-30
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Established account in XXXX, 2020. Used online banking service ( " OBS '' ) from another institution to schedule payments, which are due by the XXXX of the month, however as OBS did not have ACH information paper checks would be mailed 5 business days prior to address from periodic statements. System worked well for three months whereby payments were received in timely manner. In XXXX of 2020, creditor claimed payment was not received until the XXXX - 1 day late - and imposed a {$27.00} late fee. Submitted dispute to OBS who attempted to contact creditor via two different " customer service '' numbers, without success ( stated wait times in excess of 2 hours ). Same issue occurred in XXXX, except OBS mailed payment so it would be received by the XXXX given XX/XX/2020 was a Sunday ( non-business day ). Creditor claimed payment was not received until the XXXX and imposed a {$38.00} late fee. Again contacted OBS who stated they had continue to make multiple attempts, unsuccessfully, to contact creditor, and asked that I attempt to contact the creditor directly. Submitted online dispute with creditor for the two late payments and asked via online system for name and number of contact for OBS to call and/or for process/instructions for OBS to make electronic payments. Creditor agreed to waive the {$38.00} late fee as a " one-time courtesy '', yet response to multiple requests for contact name/number and/or additional information was simply to contact the creditor via published numbers. Currently on hold with said number for past 60+ minutes waiting to speak with someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted debt collector amerassist AR solutions on XXXX, informing them there must be an error with the debt that they are claiming, due to the fact that I was incarcerated from XXXX until XX/XX/XXXX. They informed me that it's my responsibility to pay the debt or they will seize all my assets, garnish my wages etc. I asked them who is the original creditor and they told me its XXXX XXXX XXXX  in XXXX New Jersey. I explained to them that XXXX XXXX XXXX  was brought up on charges for defrauding auto insurance companies for millions of dollars on XX/XX/XXXX, and I am simply one of their victims. I last explain to them that i have original documents from my XXXX date and XXXX  date, showing proof that I never received such XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am facing foreclosure and I applied for a short sale and my short sale application was approved by the bank. I had a buyer who made an offer which was also submitted to the bank. However, the buyer pulled out because of the extensive umber of repairs that is needed on the property. I had another buyer who made an offer and this was submitted to the bank immediately after informing them that the first buyer pulled out of the deal. 
The second offer and proof of funds along with the HUD was submitted for the second buyer. The bank advised that they have received the second offer with supporting documents and are reviewing it. I was advised today that the file is now closed and the only option available to me is foreclosure or deed in lieu. The bank refused to review the second offer for short sale.

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 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear Consumer Financial Protection Bureau Official, Red :  XXXX with American Express I submitted a credit application for an American Express credit card. On three occasions they called me by phone indicating that I should send documents to validate my address. On three occasions I sent a copies of recent personal documents such as a receipt for the water bill, a receipt for the electricity bill, and a receipt for the internet bill. In all of these documents my address was fully verified. However, they were again demanding more documents to make a decision. I have been in this direction for more than 15 years and I have an excellent credit history and I have an empirical of more than XXXX points. 

I have Credit cards from XXXX XXXX, XXXX and others principal US baos for many years, all in good standing. 


I am sure that this is a situation of pure discrimination because of my XXXX  condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
X/XX/16 advised original creditor i had been sick and lost job. i was advised that we could set up a more feasible plan to pay debt back. however, the account was closed despite verbal agreement we agreed upon and when I did speak with them to find out why i was advised the account was closed and would be handle by the collections department and since I did not know how to pay my bill my credit would be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
Name of the Bank : American Express Complaint Reason : No cash rewards ( {$250.00} ) as they advertised after applied for credit card and spent more than the amount of money ( {$1000.00} ) in the first 3 months Date : XXXX 2017 Actions taken by me and the company : 1. Called Amex agent. They filed a case and admitted this issue. They said this is a known issue and they would resolve this issue in 2 months. After that, the reward would go to your account.
2. Made another call in XX/XX/XXXX as their promised rewards were not fulfilled. This time Amex agent said it is a system issue that impacts all the accounts opened in XX/XX/XXXX. The agent can not resolve the issue and said there would be no a time frame when this issue could be resolved in near future. 
3. Made the third time call in XX/XX/XXXX. The Amex agent said this system issue is still not resolved and can not tell you when this issue could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute a bankruptcy reported on my credit reports several times but it has yet to be removed. I spoke to the Clerk of Courts in XXXX County where the bankruptcy was filed and was told they did not report it to the bureaus but the bureaus keep stating this information is being verified by them. I also requested a my records from XXXX and was advised they have no record of a bankruptcy on file. Although I have disputed this inaccuracy several times they have yet to remove it.

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 2018-11-06
Company: EQUIFAX, INC.
State: UT
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 XXXX and XXXX XXXX are both currently reporting the same debt collection on my credit file. They are DOUBLE reporting and this is in clear VIOLATION of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$80.00} from a person claiming to have concert tickets for sale. I was asked to use XXXX through my bank account. I soon realized this was a scam but had no way to get the money back and Bank of America refuses to help with it besides asking the person whole scammed me to give the money back. Obviously that wont happen. XXXX is advertised through them yet they have no fraud protection on it.

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 2017-11-05
Company: EQUIFAX, INC.
State: MN
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 am submitting my second complaint through CFPB for the removal of a released tax lien on my report. The first response I received said it simply updated the status to " released '' and it still violates the new NCAP rule. I have submitted a dispute through Equifax and have not been able to retrieve the results but am certain that it has not been resolved to my or NCAP 's rules as it has not been removed from the report. 
I sent the following documents to Equifax for my dispute with them earlier in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Loan with Loan Depot. I set up autopay with them since XXXX. Every XXXX of the month they De it my checking acct at XXXX XXXX XXXX. XX/XX/2020, XX/XX/2020 went fine. Without telling me they shut off my autopay and never told me my payments were not paid for XX/XX/2020 and XX/XX/2020. Since then I discovered the problem on my own and had them Debit the same XXXX XXXX XXXX acct for both past due payments. They then reported me to the Credit Agencies and now want Late Fees and are threatening me with Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I AM CURRENTLY IN FORECLOSURE WITH " XXXX  '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. XXXX  AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT XXXX XXXX XXXX IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED XXXX  TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " XXXX '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH COUNTRYWIDE HOME LOANS, SWITCHING TO BANK OF AMERICA AND THEN ALLEDGELY TO XXXX XXXX IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH XXXX AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.

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 2018-11-06
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months 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
Consumer complaint received 2020-05-25
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a validation letter to PMAB thst was received in their office on XX/XX/2020. They sent me a response back and it contained some very sensitive information ( HIPAA violation ) I didnt receive and signed consent documentation. They went as far as changing the account numbers on the correspondence to a number other than what they are reporting on my credit report with all 3 Bureaus. The amounts they are reporting are the same but the illegally changed the number bc they knew I was disputing the validity of the debt. I have file a complaint with the XXXX  and I am also in the process of consulting legal counsel. This company is awful and are their business practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency has been reporting that I have an outstanding debt since 2017. However, they failed to advise the validity and rights of the debt. Specifically. Article 809 a - 1 through 5 and article 899 b and c. Please delete from the credit bureaus XXXX, XXXX, and XXXX  since you guys trampled my rights under the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello. I am filling a complaint because I have submitted a dispute to Experian for a bankruptcy on my credit file. I asked them to investigate the information and if it was valid. They responded and told me that the courts verify the bankruptcy information. I wrote them a letter asking them to inform me of their method of verification they use to verify that this is correct on my credit file. They did not respond and simply said that the information was verified. I called the courts and a woman named XXXX informed me that the CRA do not verify with them ( XXXX Bankruptcy Court ). I am filing this complaint because i have a right to know their method of verification based on the FCRA and they will not provide it to me. I have attacthed a copy of the letter i sent them and pictures of the responses. I find it very hard to believe that Experian verifed this info in 3 days and over a holiday weekend ( XXXX XXXX ) at that. I do not believe they are treating me fairly in how they are verifying this supposed information and they are violating the FCRA by not providing their method of verification which I am entitled to.

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 2018-09-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ordered an item from the XXXX XXXX XXXX work.After I received the item I get a card from a credit card company.So I call XXXX and ask why the card .They say I signed up for it on the order.I say no I didn't.Dobthe tell me to call the company and cut up the card since I hadn't used it.Thats what I did .The company said the order was part of the deal.The amount grew from what was originally stated. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation