BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX XXXX, I sent a registered letter ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian Credit at XXXX XXXX XXXX, XXXX TX XXXX, enclosed with a letter was a copy of a XXXX, the registered letter was received by Experian on XX/XX/XXXX per USPS Tracking website. The letter regarded XXXX XXXX acct # XXXX, and the balance of {$1900.00}. I have disputed the validity of this account on several occasions asking for written documentation pursuant to Sec. 609 but never getting it only to say the creditor verified the information as correct. In this letter I sent a copy of a just recently received ( XX/XX/XXXX ) XXXX from XXXX XXXX ( creditor ) which showed the date of indentifiable event as XX/XX/XXXX, and an " AMOUNT OF DEBT '' as {$1500.00}, so how did this ever previously get verified? Now today on XX/XX/XXXX, after more than 30 days after my most recent letter I called Experian to find out the status of the most recent dispute, I spoke to a customer service rep by the name of XXXX ( may not be spelled correct ) of TEAM IMPACT. after a brief hold was informed she was able to locate my sent documents but they where NEVER forwarded so a " DISPUTE '' was never opened nor sent to the creditor for verification but NOW, today XX/XX/XXXX, would be sent and it could take 30 more days. I explained thats why things are sent by registered mail and the 30 days starts when received, she went on to say, she went in and corrected the balance to reflect {$1500.00}, when I explain they where in violation of the FCRA, she had nothing further to say. At that time I asked to speak with a supervisor, the CSR took my contact information and said no supervisors where available at the time, I asked when I should expect a call and she said within two ( 2 ) hours, needless to say the time came and went without a return call.

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 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one charged me {$120.00} in interests AFTER i paid my statement balance in full. They claimed their policy is that I have to pay the statement in FULL two months in row to avoid interest being charged. I have paid over {$1000.00} in interest in 2021. They are deceptive. I am not paying the fee and I want it waived. A supervisor " XXXX '' basically told me to read the back of my statement... .well, my statement is email to me and there to no back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing you because Citimortgage continues to violate CFPB rules do that were set forth to protect homeowners. I am a homeowner in XXXX, OR. 

I have been trying to modify my mortgage since XXXX. XXXX XXXX. I have sent thousands of documents only to have them lost or illegible and then abruptly have the file closed. 

Yesterday they violated the CFPB dual tracking rules. I have attached documentation below. 

I always notify their CEO, XXXX XXXX, of the violations. They have already been fined $ XXXX for these violations but that does not dissuade them from continued violations. Their CEO is knowledgeable and culpable. 

Again, I have been trying to modify the loan since XXXX and they continue to tack on fees and interest on my mortgage and continually drag me through their mess. This has caused much stress in my life and has cost me hundreds of thousands of dollars and has ruined my credit. 


I am writing to report yet another violation of the CFPB rules on dual tracking by Citimortgage. Attached are the necessary documents outlining the violation. 
Posted XXXX XXXX, XXXX at XXXX. 




Screenshot from email sent by Citimortgage to XXXX XXXX on XXXX/XXXX/XXXX Sincerely, XXXX XXXX XXXX, OR 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 2018-03-22
Company: REGIONS FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.

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 2018-03-22
Company: Automated Collection Services, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I spoke with XXXX XXXX from ACSI on XX/XX/2018 around XXXX CST, in regards to my student loan. Because of the experiences with collection agencies in the past I hired help on my student loans. When we called to set up a payment plan the collector refused to discuss payment option with me and my hired help on the line. I do not understand why I am not able to have someone on the line to help me understand my options. I have the right to have someone on the line that is looking for my best interest only. XXXX asked me if I was able to pay the whole balance off which I can not. Then I gave XXXX permission to speak to my hired help since I do not know what options are available. When my hired help tried to intervene and speak on my behalf, he started to talk over her and his tone was harsh and voice was loud. My hired help tried to explain what she was doing for me to get the best option for my student loans. XXXX XXXX was very rude to her, I have never experience such bad customer service, he was yelling over her and wouldn't allow her to tell him what my plan was for my student loans. It was extremely unprofessional for someone to treat me and my hired help like that regarding student loans. The way he went off on us on the phone is unacceptable, I do not want to deal with people like that regarding my student loans. He made me feel uncomfortable about how I may be treated if she wasn't on the line. Is this how service is provided to people who have student loan debt? I have worked in customer service before, you never want to yell at someone over the phone and talk over them and be as rude as he was. It was the most unprofessional phone call I have experienced with my student loans. My hired help tried to get the information that was needed for me and we were not able to get that, after she tried to get a supervisor on the phone I was so disguised I wanted to just end the call. I hope the proper repercussion comes after listening to that call since they said they record all the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is past the 7 year mark. Company dropped it from my credit then reaged it as if it were a new debt. Debt is from XXXX and is now being reported that it was from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MY EQUITY SOURCE ACCOUNT APPLICATION WAS DENIED BY CITIBANK NA BECAUSE OF CURRENT DEROGATORY TRADE INFORMATION ON CREDIT BUREAU.I WISH TO HAVE THIS CREDIT INQUIRY REMOVED FROM ALL XXXX CREDIT REPORTING AGENCIES BECAUSE CITIBANK DID NOT PROVIDE ME WITH ANY DETERMINATION BASED REASONS.THE ENCLOSED ADVERSE DECISION LETTER IS DEFECTIVE AMBIGUOUS AND LACKS CLARITY..

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 2019-03-23
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a letter ( attached ) from " virtuoso sourcing group '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " virtuoso sourcing group '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" virtuoso sourcing group '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " XXXX XXXX XXXX XXXX '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BANK OF THE WEST
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,

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 2019-03-24
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hello, I brought a car from XXXX in XX/XX/XXXX and it was finances through santander the car was sold to me for {$12000.00} I have made excellent monthly payment was late 2 months for the past 4 years which ended in XXXX And when I couldnt make payment anymore due to job lost I volentary gave the car back in XXXX All that time I was paying {$370.00} a month for the past. 4 Years they sold the car and was still asking me for the full a month of {$14000.00} Which I just think if I was paying for 4 year the interest I should have start paying down on the amount of money that was charge for the car. But now they told me I have to pay {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was given a check for XXXX, it cleared my bank and then when I sent 2 payments of {$500.00} to XXXX app and XXXX the check was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Credit Bureau of the South, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014, this debt for { {$250.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This letter serves as my complaint against Citibank NA as it relates to client/consumer access to Citi.com. As of the date of XX/XX/21 Citi customers have not been able to successfully log onto the website located at www.citi.com at all. I contacted a Citi representative on XX/XX/21 @ approximately XXXX PST about the matter. Her name was ( XXXX ) with reference number XXXX and she indicated that she was a Tech 2 website support person. I contacted XXXX at phone number XXXX. XXXX indicated that the website sign-in issue was an on-going issue that Citi was well aware of since XX/XX/21 and that they were diligently working to correct the problem. She then indicated that she would call me back within 24-48 hours about the matter. As of XX/XX/21 @ XXXX PST, I still do not have access to log into my online banking account. Attached is a screenshot of what happens when a customer attempts to log into the website. I also never received a return call about the matter from ( XXXX ) as she indicated she would do. This is horrible customer service and this type of practice is putting customers is jeopardy.

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 2020-05-05
Company: EQUIFAX, INC.
State: AR
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. Iwas denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that soneone has been using my social security number to open up account I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX  XXXX {$290.00} XXXX XXXX {$2900.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$950.00} XXXX XXXX $ XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a checking account at TD Bank. I opened the account about a year ago and deposited {$100.00}, which is the minimum requirement so you are not charged any fees. When I received my first statement I noticed a paper statement fee for {$1.00}. Which brought my balance below {$100.00}. I immediately contacted TD Bank and stated the paper statement fee was never verbally disclosed to me at account opening. The banker was very understanding and reversed the paper statement fee and the pending monthly maintenance fee of {$15.00}. I enrolled in online statements as well. These adjustments brought my balance back to the {$100.00} minimum requirement. I received a letter in the mail dated XXXX XXXX, XXXX which stated my account is overdrawn by {$19.00}. At first I thought someone compromised my account and withdrew the monies, but when I called TD Bank on XXXX XXXX, XXXX I was informed the funds were depleted due to the $ XXXX monthly maintenance fee that was being charged for low balance. This is the explanation I received when I contacted TD Bank. The paper statement fee was charged in early XXXX, but the reversal did not occur until a couple weeks later, so my balance was not at {$100.00} for the full month. Thus, I was charged the {$15.00} maintenance fee every month since that time. 
When I took care of this in XXXX the Banker told me that I was made whole again with the reversals and enrolling in online statements and I would not be charged anymore fees as long as the balance remained at {$100.00}. Well I guess someone forgot to disclose another important fact. TD Bank has now failed to disclose important facts on two different occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Have tried disputing the inaccurate account with the credit bureaus, they said the information was verified. Tried disputing the account with the original creditor and have failed to update any inaccurate information and is still damaging to my credit report. They have also failed to mark my account as disputed within the legal timeframe ( 30 days ). 
I would like this outdated and erroneous information removed from my report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got a vehicle from XXXX. My ex wife gained possession of the vehicle through it being a marital asset ( at the time ). About a month ago, I was awarded the vehicle which is solely in my name. 
I contacted South Dakota to find out that she had been arrested and the vehicle has been towed. The towing company sent the Lein holder a certified letter letting them know the car needed to be picked up or the towing company ( aggressive towing ) would take ownership of the title.

The leinholder was well aware that I had no possession nor exact wareabouts of the vehicle. The leinholder choose to sign for the letter but never gained possession of the vehicle nor did they contact me to do so. Now XXXX XXXX owns the vehicle as they are the current holder of the title.

XXXX is unwilling to settle this debt with me even though they allied the release of the lein ( title ).

They continue to contact me several times a day and threaten me by saying they are going to turn the vehicle off ( its not in my possession ), they have already been paid monthly payments after they no longer owned the vehicle and are tying to get me to continue to pay for the vehicle.

I have given them all information regarding the status of the vehicle yet they are still harassing me. 
I have also told them that I am in the process of working on a case with an attorney. 
I would like them to please stop harassing me. They choose not to call me and let me know my vehicle was about to be taken from me.

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 2020-12-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I did not have a car with this company at all. Placed called in XXXX in months prior to get info to no avail. At one point I was told I did not have an account. Another time something completely different. Never had vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: TX
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:
Experian/XXXX  is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. 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 2019-03-24
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to collection valid information from Americollect Debt Company but the refuse to send me valid verification information and the last letter I sent in XX/XX/2019 I did not receive any response from the company. The unverified debt is listed on my credit reports and I would life it deleted as soon as possible or I will take further legal action. The company also changed the account numbers to XXXX from several other account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am having problems with Identity Theft and someone fraudulently opened the account in my name. This bank does not have a phone number to call so I have been emailing them with no luck in them helping me. I keep getting the same automated responses back and just want to talk to someone about it. This whole thing has been extremely frustrating and now this bank doesn't seem to care if they help me or not.

Company response to consumer: Closed with explanation