BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed my checking account and credit card account on the same date over the phone. The funds in my checking account were sent to me via check. There was no balance on my credit card. The reason I closed the accounts was that I no longer needed them. The timing of my closing instructions was to assure that I was not billed for an upcoming annual fee. 

It became apparent to me that my instructions to close the credit card were not followd when I received dunning notices for non payment of minimum balance. I called customer service and after a too long conversation I was told that the appropriate correction would be made. It was not as dunning notices continued. Second call to customer service resulted in transfer to " account retention '' department, Annoying conversation resulted in assurance that account situation would be corrected ( this may have been XX/XX/XXXX ). I began getting phone calls referencing collection. I returned call on XX/XX/XXXX and was transferred to customer service, The resulting conversation was bizarre. I recounted all the above and apparently the bank records reflect my credit card was closed in XXXX and not XXXX and there was a {$50.00} balance for annual fee. I believe the representative understood my position that the fee was inappropriate since I had instructed the bank to close my account but the solution offered is the bizarre part, I was told that the customer service rep was unable to correct the matter. The solution was for me to makea {$50.00} payment and it was promised that the {$50.00} would be returned to me within one or two billing cycles. 

Despite having lost all faith in the customer service organization at Citi, I did a quick cost benefit analysis and decided to make a payment by giving them the routing number and account number of my current bank and authorizing a XXXX payment, We will see what happens. 

I think the customer service issues are clear. Do it right the first time and react quickly to errors. 
I understand that there must be restrictions on making charges against previously recorded income, but is the byzantine solution necessary? Are fees being collected from customers even though unearned. 
The referral to account retention was problematic to me. Not following my instructions resulted in my account being open on Citi records for 3 months in error. The transfer to account retention shows how important numbers are- they frown on closed accounts. The retention team also offered a " deal '' for me to keep the account open for at least three months more. You have to wonder if the incentives offered are in the best interests of the customers of Citi

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: OH
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 block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: DISCOVER BANK
State: MD
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. DISCOVER BANK XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Wave Financial USA Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Please, I am XXXX XXXX from XXXX, Firstly, I did Registered to Opened Online Account to that Company Call, XXXX : ( XXXX ) for Some Weeks ago and Again, Created Some Companies Invoices Receipts Retainers to that Company, But that Company had Refused to Processed my Payment Claims Transfer for me to my VISA CARD or BANK ACCOUNT, Up till now, So I want your Company to help me and Use my Details to Check from that Online Company : ( XXXX  ) and Process to Recover all my Past Invoices Receipts Payment for me to my Visa Card or Bank Account now and Send me the Payment Transactions Transfer Receipt by My Email now, So I am waiting for Reply now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning approximately XXXX XXXX, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number XXXX for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( XXXX XXXX ).

They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this person has NEVER lived at my residence.

I have attempted to call them back but have not been able to get a live person and their automated menu does not allow me to ask for customer service to request that they cease and desist their robocalls because the person they are asking for does NOT live at my residence and I do not know the whereabouts of this person they are calling for.

They are now violating the Fair Debt Collection Protection Act ( FDCPA ) by : 1 ) Repeatedly calling daily when this person they are attempting to reach has never lived at my residence and I have no information as to the whereabouts of this person.

2 ) I am not party to the debt-related issues that Penn Credit is trying to discuss with this " XXXX XXXX '' as I am not related to this person whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Hello, i had financed a laptop for my wife for her birthday from best buy, i put more then half down i think it was XXXX $ around there, then i can back maybe a month or two after and paid it off in full in cash, either i got robbed by the person that was at the counter or best buy robbed me because i paid it off and now its on my credit score. 

NOT COOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

NEVER AGAIN!

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 2021-09-20
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Problem started First week of XX/XX/XXXX, after 100 % XXXX sought escrow to be reduced because of property tax reduction that would decrease our monthly payment over {$130.00} or more and as I contacted the mortgage company and asked what they needed and sent in the awards letter and the new tax estimate directly from the property tax commissioners office with his name and telephone number on the paper ( I submitted 4 times to an XXXX that identified herself as in the escrow DepXXXX of the mortgage company.. The Company on several occasions even spoke to a 3rd party including me on the call From a XXXX XXXX  company verifying if I had a mortgage with this company and they said on several occasions our loan number was not with them ; however, we have never missed a payment or had a late payment in any mortgage history. We have been canceled by 2 reputable mortgage companies because this company placed us unknowingly on a forbearanceXXXX XXXX XXXXXXXX situation that was explained to us by another mortgage company that we were blocked from securing refinancing because of this major decision made by the mortgage lender without our knowledge and consent the lady XXXX called me on XX/XX/XXXX and said everything had been corrected and our records were clean and I requested a letter stating this because we need PROOF that we never asked to be put on forbearanceXXXX XXXX as this s has caused us major intentional delay and excess spending because of this company not honest and willing to correct and release accurate information on our account.. they have been collecting our money including the call on XX/XX/XXXX and paid on the phone with a confirmation given to be called again by XXXX on XX/XX/XXXX saying payment didnt go through and I told her this is out of order and I will not be penalized for her mistake and checked with my bank from another line and they said that amount was not taken she promised that since it was their fault about the transaction there would be no late charge.mind you as I had received the XXXX statement prior to call and checked my email XX/XX/XXXX and the Company has issued another statement with a {$30.00} late fee! PLEASE HELP US RESOLVE THIS AS WE FEEL THAT THE MORTGAGE COMPANY SHOULD REIMBURSE US ALL THE EXTRA MONIES WE PAID ON OUR MORTGAGE AT THE HIGHER INTEREST BECAUSE THEY INTENTIONALLY DID THIS TO US BECAUSE THEY KNOW WE HAVE NEVER MISSED A PAYMENT AND WANTED TO REFINANCE WITH ANOTHER COMPANYTHE MONTHLY REFUND SHOULD BE GIVEN FROM XX/XX/XXXX THROUGH PRESENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have told them plenty of times that I never resided with my mother nor signed a lease. I was in XXXX XXXX FL around the time they stated this account was opened XX/XX/2016. I was still working for XXXX that was in XXXX FL. I advised them of this and still this is on my account no documentation or anything was sent to me. All i seen was my XXXX with this info on it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Shellpoint Partners, LLC
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:
The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
This is a complaint against XXXX, inquiry date : XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Saturday, XX/XX/XXXXmy roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. 
About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. 
We both went into a Chase and they said not to worry and just to wait a few days. 
After a few days, we contact Chase and they say we have to contact their claims department to get the money back. 
My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXXXXXX XXXX has to do something. 
For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. 
The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. 
Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. 
Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! 
They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. 
Both banks STILL wo n't cooperate even with the police! 
I even called the Chase Executive Customer Service number and submit a complaint on the XXXX of XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. 
Please help!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
after 6 calls and told each time they were going to fix problem on their end. i keep getting late payment foreclose notices. i have not missed a payment, my auto pay paid one 2 days earlier due to a XXXX requiring early payment, my payment have bee moved up 3 times, so if a payment falls on a weekend or non working day, its applier earlier month or late. changes make auto pay since they bought my loan, i have change auto pay, after the fact, with it extra late payment, but paid still in grace period.fixing issues is and having them follow through is the main problem. it took 6 month to fix last issue, and i got foreclose notices every week. for months after the corrections.they applied the extra forced escrow payment to the wrong place even after they refused to reapply the extra principal pre paid to escrow. both in wrong account. i over pay my amount by {$75.00} for the last 10 years to cover escrow and other unseen issues. 
i have had to pay XXXX extra escrow due to prior mortgage mistake. my payments went up XXXX $ and still have not returned to normal amount even after i paid mistake amount. i hoping to sell home but need to get them to really fix problem. late fees are removed and re issued on next bill, im told they will address issue but problem goes on.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: MNE Services, Inc
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
10/30/2017- This company asked me to purchase a {$150.00} in XXXX cards in order to secure my loan via XXXX XXXX at XXXX XXXX But the company representative told me that I needed a {$100.00} dollars more and kept harassing me to borrow the money. That was my last {$150.00} that I had to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Investigation took more than 30 days

Complaint:
The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
For the fourth time, XXXX XXXX XXXX XXXX has given my identity and private information to another collecting agency. I have solved disputes due to collecting agencies ' and XXXX XXXX XXXX XXXX 's failure to verify debt. 

On XXXX XXXX, XXXX, I received a letter from Phoenix Financial Services LLC demanding XXXX dollars. 

The account number is XXXX, Creditor Account Number is XXXX, Original Creditor is XXXX XXXX XXXX XXXX and date of alleged service is XXXX/XXXX/XXXX. The letter informs that XXXX XXXX XXXXXXXX XXXX XXXX, current creditor, purchased the account and has placed the account with Phoenix Financial Services LLC for collection. 

So, for the fourth time I do not owe such debt because I never received such services. 
I am disputing the above-referenced debt. Please verify this debt as required by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Section XXXX ) and New York City Administrative Code ( section XXXX ). New York City regulations require all debt collectors to send specific written documentation verifying the debt. Under section XXXX of the Rules of the City of New York, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, I AM A VICTIM OF IDENTITY THEFT and according to the information you sent me I never received such service for which Im being charged in the first place. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the XXXX and the XXXX XXXX XXXX XXXX 
Aside from verifying the debt, do not contact me about this debt. The XXXX and Rules of the City of New York ( section XXXX ) require that you honor this request. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation