BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a unique problem and none of the options offered exactly covered it ... 

In autumn XXXX, deposited a check into my checking account at Citibank in the XXXX CT branch. The machine did not take the deposit and I got a strange message that something was wrong. I went to the teller who put me in touch on the phone with someone at Citi who said that an investigation would have to be done, which would take some time ( 45 days I remember, but I am not sure ). It took at least two months, but finally I received a call from someone at Citi who said that the check was there and my account had been credited. 

However, during some part of that period, the account was somehow frozen, and automatic payments such as ones to my mortgage company and an insurance company were not made. When they got the first failure, they were not able to debit funds from that point onward. I only found out in early XXXX when the mortgage company called and asked if something was wrong. I believe 5 months or so of unpaid mortgage payments had accumulated by that point. I paid the entire accumulated balance right away. However, there have been some lasting effects. First, my FICO score suffered greatly, which raised my mortgage payments ( it is a floating rate mortgage ), and even today there is a record of " serious delinquency ''. Second, an insurance policy that was paid out of this account was cancelled for nonpayment of premiums and there was no way to resolve this. 

My mortgage company said that they would happily tell the credit bureaus that this was an error if they got a " credit update '' from Citi acknowledging that the failure to make the payments was through an error on their part. I have talked to many people at Citi and it has not been resolved. They basically don't even call back.

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 2018-03-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Currently I have approximately 400 K on students under XXXX where I was under IBR payments which was also qualifying PSLF payments since XX/XX/XXXX. 

On XX/XX/XXXX - I received a letter from XXXX informing me that my annual IBR income renewal was coming to review by XX/XX/XXXX where I need to resubmit my annual income certification. I completed that before that date and received a second letter on XX/XX/XXXX informing me that my request to switch from IBR to REPAYE was being processed however they required that I change to standard repayment prior to the switching to REPAYE. This requires a full standard payment which is not affordable to due to my income to debt ratio and thus XXXX places my account into automatic forbearance while the transition to REPAYE occurs. During this time I received a 3rd letter on XX/XX/XXXX indicating that my loan successfully converted to REPAYE with a monthly repayment of XXXX ( this new payment under REPAYE qualifies for PSLF payments ). However when I log into XXXX to submit payments, there are completely different amounts of required payments which I spent 4 -6 hrs over 3 phone calls ( prolonged periods of hold, various transferring to different personal ) and no one was able to verify where these differing amounts and they where coming from and what was accurate vs inaccurate. Every single person that I spoke could not identify the various amounts that is populating as my payments. 

To put into context based on the paper invoice I received a bill of XXXX ( REPAYE calculation based on my income ) but the dashboard when I log in to XXXX was showing 2 different amounts totaling approximately 2,200. Again tried to clarify with various personnel over the phone at XXXX and no one could verify these amounts and how they populated to my account. 

I am concerned because I have been making payments on time and consecutively in order to reach my 120 payment goal for PSLF. By not clarifying this current error in a timely fashion XXXX is forcing me to go into a forbearance and require me to make my monthly payment which wouldn't qualify towards PSLF. This is not acceptable when : A. I submitted my income verification ahead of schedule to appropriately convert from IBR to REPAYE to not miss a payment B. when XXXX forces us into forbearance which interrupts qualifying payments into PSLF. We should be penalized for this when its the errors from XXXX 's side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I file a complaint id # XXXX with TransUnion. On XXXX/XXXX/XXXX, TransUnion responded, however, they did not provide who they verified this information about two bankruptcies ( Case # XXXX and Case # XXXX ) showing on my credit report. I spoke with the US Bankruptcy Courts and they stated they DO NOT provide or verify any information. Please see the attached letter I received from them. I spoke with XXXX and they stated they DO NOT provide or verify any information. Please see the attached email I received from them. On XXXX/XXXX/XXXX, I sent TransUnion a certified letter which on XXXX. TransUnion provided me the attached response dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I sent TransUnion the attached letter and they sent me the attached response dated XXXX/XXXX/XXXX. TransUnion is not letting me know who they verified this information with AND per the letter I received from the US Bankruptcy Courts and XXXX they DO NOT verify or provide any information

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 2020-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery has reported a fraudulent charge as a collection account on my XXXX, XXXX  and XXXX  credit reports, the account has been previously corrected by the credit bureaus and blocked per [ 15 U.S.C. 1681c2 ], Portfolio Recovery changed the account number and/or creditor information for purpose of deceiving the credit bureau and reporting it as a new collection account on my credit reports. I have provided Portfolio Recovery with a copy of my ID theft police report as well as a copy of my FTC affidavit via certified mail and they continue to request documents which have already been provided and have refused to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We got phished during our wire transfer to purchase our house. We received an email from our title company advising us of our wiring instructions in the secure XXXX portal. Within hours, I received an email from a person posing as our title officer, who after a brief but logical email correspondence, sent new wiring instructions including a different bank account. I ultimately sent the money to the fraudulent account and upon realizing it the following day, we filed a police report, and notified the bank. An investigator from our bank, XXXX XXXX  XXXX, immediately sent a request to J.P. Morgan Chase to stop and recall the wire. Chase failed to respond. This occurred on XX/XX/2022. An actual investigator with Chase has yet to respond to our complaint and request. Rather, an automated response was sent XXXX weeks after filing the paperwork, where Chase requested that I contact the fraudsters to ask for my money back because it was sent in error. From the law enforcement end, we received back subpoena results showing that our money was still in the Chase account when we filed all appropriate documentation. Had Chase responded in a timely manner, the money could have been frozen and returned. Instead, it appears to have been dispersed to various accounts. We are exploring who's email list could have been hacked because the fraudsters created cloned email accounts posing as individuals who received the same email notification from our title agency who utilized XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Alpha Recovery Corp
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My debt was with XXXX XXXX XXXX i.owed money to the card.they transferred it to alpha recovery or the bureas i made a settlement with them and paid it off its still shoeing on my report I owe XXXX XXXX XXXX and the bureas not true. Ita all been paid I would like it off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Resurgent Capital Services L.P.
State: NV
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:
There is a collections amount of {$810.00} from XXXX XXXX XXXX  that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BARCLAYS BANK DELAWARE
State: TN
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:
My XXXX XXXX XXXX credit card was to become a Barclays XXXX XXXXXXXX credit card on XX/XX/2022. XXXX XXXX  requested that the balance be paid in full by XX/XX/XXXX. I paid a balance of {$2100.00} directly from XXXX XXXX  to XXXX XXXX  on XX/XX/XXXX. Subsequently, my balance from Barclays in early XXXX showed a glitch in the payment. They show that the bank made the payment and immediately rescinded it, which did not happen. As you will see in the attached documents, Barclays has been nonresponsive and, to date, has not resolved the problem. After 13 phone calls to them, along with one fax and two letters, Im convinced that they are unwilling or unable to resolve this problem. I sincerely hope that you can help me ; I dont know what else to do.

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 2021-08-20
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: Account information incorrect

Complaint:
I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 
XXXX XXXX Account 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 2019-08-26
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I exercised my rights under FCRA 611(a)(6)(B(iii) which provides that a consumer may request “a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available,” regarding inaccurate accounts on my credit reports reported by XXXX/Law Offices of Mitchell Bluhm by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX.  To date, I have not received any  compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/2019.  To date, XXXX/Law Offices of Mitchell Bluhm is reporting false information to my credit bureaus.  Therefore, I expect this account will be removed from my credit files immediately.  Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08
Company: JPMORGAN CHASE & CO.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/2017 demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, XXXX XXXX XXXX # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
There was an offer from American Express for adding authorized users on their XXXX XXXX XXXX XXXX for XXXX points after {$500.00} spending. I added my family member and the {$500.00} spending was completed in XX/XX/XXXX. 

XX/XX/XXXX : First contacted Amex regarding the bonus points. 
XX/XX/XXXX : Contacted again and was told to wait 8-12 weeks ( the spending was completed in XXXX ) XX/XX/XXXX : Amex made a note on my account for the delay XX/XX/XXXX : Amex opens investigation which could take 6-8 weeks XX/XX/XXXX : No update on the investigation. Told to wait XX/XX/XXXX : Claims Amex has " technical issue due to which the points are not posted '' and was told to wait XX/XX/XXXX : Was told they are working on it XX/XX/XXXX : Still working, they left a note on the account XX/XX/XXXX : Was told to wait ; claims they are still working on it. 

I have the statements for the spending and the promotional statement. Not sure why they are refusing to give out the reward points they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank closed my account without warning and will not send my funds for 30-60 days. I can't wait that long for my funds to be sent.

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 2020-11-12
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened my credit account on XX/XX/XXXX when I was notified that I had a XXXX doll in outstanding balance in collections from A company name AFN I have no knowledge of an I suppose to open the account on XX/XX/XXXX! But thats impossible.because I have not opened an account or made any arrangements with anyone to make any payments during XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: General Motors Financial Company, Inc.
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX financial is reporting negatively to credit bureaus. derogatory unsatisfied charged off account. XXXX  XXXX is XXXX. Vehicle was illegal repossessed. Breach of peace. Prior to Vehicle Being repossessed 3 large payments were made through money gram withing a month to bring the account current. GM took the payments and repossessed the car anyway. It was never disclosed where or when the vehicle was sold or for how much. They never kept in contact with me about anything. I was the co signer. The owner is currently in XXXX XXXX and has been for the last 4 years.. I contacted gm a few weeks ago because my credit is showing in public Records a court order to garnish wages.. for some XXXX now they're saying XXXX. Absolutely. I requested a copy of the file and I got a letter from gm stating the account may have been fraudulently established as a result of identity theft .... WHAT??? The person I spoke to wanted me to give him the amount I have to see if my records match theirs.. I'm not gon na send them nothing they can adjust.. I know how much money was sent to get the car current. They applied those payments to court fees repossession fees late fees interest. None of it went to principal. I want them to send me all the statements proof of payments they have I want the date time place and amount the car was sold. I was told that the car was to sell at auction for the balance the balance was XXXX it should of sold for more and there should have been a refund for the overage difference. After looking at the court record GM filed just last year order to garnish. I want to appeal that ruling along with the negative deragory in my credit file. They can give me a XXXX valued XXXX and I'll pay otherwise they are insane to think they can destroy me with their lies. Every attempt was made to pay them they refused if it wasn't past due amount paid in full they refused payment after they had already received 3 different amounts through money gram in the month the car was repoed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: R & B Corporation of Virginia
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called to cancel my XXXX XXXX on Wednesday XX/XX/XXXX because I was changing my service to XXXX/XXXX on Saturday XX/XX/XXXX. The representative advised my cutoff date for billing was the XXXX of each month. During that call I explained to the representative that I was working from home that week because of sick kids and needed my internet services for Friday the XXXX. She placed me on hold for several minutes and came back and said she was able to work it out that I could keep my services until XXXX on the XXXX with no additional charges and I would not be billed for another month. I returned the equipment withn the boxes and XXXX tracking they provided within a week of cancelling the services. I did not receive any calls or follow up from XXXX until XXXX. I received a past due notice saying I owe {$81.00}. I called XXXX on XX/XX/19 and spoke with XXXX. I was told an investigation would be opened and completed about the bill they sent under claim # XXXX and it would be up to 5 days. I asked that they listen to the call to confirm what I was told and I requested the bill to be waived after listening to that call. Again I did not receive any follow up until XX/XX/19 when I got another bill for {$290.00}. I no longer have access to my old account online and they failed to follow up in writing or by phone. It is XXXX XXXX error for this bill and they need to waive it based on what I was told during my cancellation call. They can confirm all this by reviewing that call as they should be recording their calls. I previously filed a CFPB complaint against XXXX on XX/XX/19 but it was forwarded to the FTC and I have not received any follow up from Frontier. That complaint number was XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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:
I have disputed an account with XXXX XXXX several times with experian. The account number is XXXX. This account was closed and charged off in XXXX of XXXX XXXX XXXX has been manipulating the data to keep pushing the date of federal obsolescence forward and maximize the point loss for it. 

As you can see from the enclosed copy, they stopped reporting the delinquency just after they charged the account off and closed it. But in XX/XX/20, suddenly they report that the account was 150 days late for the month of XXXX. 

This is a clear violation of the Fair Credit Reporting Act requiring the bureaus to report the correct present status of an item or delete it. It is willful non-compliance by XXXX XXXX for manipulating data with the sole purpose of moving the obsolescence time frame forward. 

This would be a valuable case for you to publicize. How many hundreds if not thousands of XXXX XXXX customers are having their data manipulated for this reason. What is this manipulation doing for the validity of credit scores which XXXX XXXX and the bureaus promised to Congress would be " empirically derived and STATISTICALLY SOUND ''?

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