BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-18
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Late fee

Complaint:
I received a letter from Citibank on XXXX/XXXX/2015 stating that my Home Depot Credit Card was overdue and that the original charge made in XXXX, 2015 was for XXXX. Now with late fees it was {$220.00}. and some odd cents with late fees. 
I immediately contacted the number on the back my Home Depot Credit card to see what was going on. I did not remember owing Home Depot anything. I asked for a copy of the original receipt that I signed or copies of the bills that I supposedly received by email. They said I had opted to get my statements by email. They told me I would have to contact Home Depot for that. I contacted Home Depot and they told me to contact Citibank. So then I contacted the office number on the letter I received from Citibank. They told me that they could only remove one months late fees and I talked to a manager and he told me the same thing. So I paid {$180.00} that very day to clear this up immediately. 
1. I did not recognize Citibank as a credit card that I had when I kept getting calls from them. 
2. My husband checked on-line about these calls and saw that these were Home Depot credit cards and they had been hacked so he informed me to ignore what I thought were robocalls. 
3. I did receive copies of statements and the original receipt about a week later, but no copies of emails they supposedly sent. No alerts by email. In the meantime I wrote to the CEO, President of Citibank but have not heard back. 
4. I have issue with the fact that it took 5 months for them to contact me by mail regarding this account being overdue. One way to collect a lot of late fees in my opinion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX XXXX. Their Attorneys XXXX, XXXX, XXXX and XXXX XXXX, their Local local Attorneys the law offices of XXXX and XXXX, XXXX XXXX the special representative for the bank, the 2 Judges who sat on the Case Jugde XXXX and Judge XXXX, the Circuit Clerk XXXX XXXX, the Recorder of Deeds XXXX XXXX, the Sheriff of XXXX County, the XXXX Police Department, The XXXX XXXX XXXX Lady XXXX XXXX for evicting me and destroyment of my property in violation of the False Claims act and the Federal and Illinois Servicemember Civil Relief Act, they all have defrauded me out of property and defrauded the United States Government Fraudulent False Claims against the FHA, FHA Case # XXXX they all have failed to validate the debt pursuant the Fair Debt Collections Practices Act, suing dead people is legally impossible Case # XXXX, XXXX County, Illinois XXXX XXXX XXXX XXXX XXXX. vs XXXX XXXX XXXX ( Deceased ) they have engaged in fraud the court lacked subject matter Jurisdiction and personal Jurisdiction, XXXX XXXX XXXX XXXX XXXX. and their associates has engaged in a pattern and practice of submitting falsified documents Robotic signing of falsified documents. To obtain illegal Judgements of Foreclosure of Sale and to obtain insurance payments from the FHA ( Loan Scams ) they have illegally evicted me in violation of the SCRA Federal and State Fair Housing and Consumer Protection Laws, I was not the alledged mortagor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am not positive about the exact date when this situation started but I was alerted to it on XX/XX/XXXX. I logged into my Navient account to discover that one of my signature loans had been put into deferment until XX/XX/XXXX. This action was done without my consent. I was given no notifications about this action by mail, email, phone or otherwise. I have sent Navient an email about this situation and I tried calling their customer service line today on XX/XX/XXXX but they are closed for the holidays. Their automatic phone directory did not say when they would open up again to phone calls. I couldn't find any explanation, on Navient 's website, as to why this action took place. My account claims that this action was taken because I have returned to school. This should not affect my loan status. My loans should never be tampered with, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I moved from XXXX to XXXX. I had sent request to post office to forward all my mails to new address. I was getting letters from everyone, and many automatically updated my new address. I never got any letter from Macy 's /Citibank Credit Card XXXX I bought something for {$20.00}, and after 6 months with all late fees and interest Macy's/Citibank is asking me to pay {$230.00} XXXX 10 times XXXX. I asked them to settle this and only thing they are offering is removal of XXXX late fee of {$35.00}. I would be happy to pay {$20.00} + Interest. I would like Macy 's /Citibank to remove all late fee charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-23
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I noticed my credit report, that I monitor thru XXXX XXXX showed that I applied for credit from XXXX and XXXX XXXX Card Services onXX/XX/XXXX. I immediately notified all credit bureaus and consumers that my computer had been hacked and I DID NOT apply for any credit on this day. I have submitted statements from XXXX XXXX XXXX acknowledging that they would remove from report. But it still remains. Consistently contacted XXXX, Trans Union and XXXX TO NO AVAIL.

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: Experian Information Solutions Inc.
State: NJ
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 received the results on XX/XX/26 from Experian regarding inaccurate information from Collection agency for XXXX XXXX XXXX XXXX XXXX on behalf of XXXX services in Ga. 
They said information was verified and the error is still on my account. 

However, I provided them a copy of a bill that XXXX sent me for {$1400.00} that was signed by someone else for services. I also provided Experian with a copy of my drivers license which has MY signature. I can not be liable for the action of someone else. The creditor should go after that person. The other credit bureaus deleted the error from my credit report based on proper review and investigation by a human. Experian is negligent in the proper handling of my dispute and continues to violate my rights as a consumer under law. I am requesting for removal of this again for about the XXXX time.

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: Home Point Financial Corporation
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX refuses to reanalyze my escrow account. Ive turned in documents showing my escrow is being over charged and Ive over paid now. They are refusing to make an update. This is effecting my debt to income ratio and my monthly payment is much higher than it should be by over $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the debt as reported by CREDENCE RESOURCE MANAGEMENT for {$620.00} from XXXX XXXX I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

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 2021-07-12
Company: EQUIFAX, INC.
State: CT
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:
I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Upon checking my XXXX account through Experian, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX 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 2020-06-30
Company: Shellpoint Partners, LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent a {$1100.00} check # XXXX mortgage payment that was received on the XXXX of XXXX signed for by XXXX XXXX ( sent XXXX mail tracking # XXXX ) as a result I have received a statement from XXXX indicating that the amount is double plus additional excuses for not posting the payment or looking into the matter. I was informed for XXXX weeks that the matter would be looked into and it would take about XXXX to XXXX hours, the time has lapsed and the matter has not been taken care of. I would like to know where to send the future mortgage payments since XXXX is not doing their job by posting payments causing a financial kerfuffle. 
This issue should have been resolved XXXX weeks ago but it was not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I noticed a late payment on my credit report from amazon prime synchrony, Account ending in XXXX, for the amount of {$15.00}. I have not even used this card yet and they cant explain to me where the charges came from : XXXX XXXX XXXX WA XXXX Free {$6.00} Late Fee {$6.00} Minimum Interest Charge {$1.00} Minimum Interest Charge {$1.00}

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 2021-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Portfolio Recovery Associates acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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: Information belongs to someone else

Complaint:
To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4. Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.

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 2018-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

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 2018-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are several charged off, derogatory accounts that are being reported to the Credit Bureaus under my credentials that do not belong to me and are causing me incredible financial hardship. After several unsuccessful attempts at Validation of said accounts. I have requested that these items be removed from my credit file immediately. These items are still currently being reported to my credit file and therefore are in violation of the FDCPA, section 809 ( b ). 

On XX/XX/XXXX, I sent out a request of Validation letter. The collection agency failed to comply within the allowed 45 day time frame. ( Please see attached ) On XX/XX/2018, I sent out a second letter to the company. ( Please see attached ) Non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXXXXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX   XXXX. 

I never attended the University XXXX XXXX XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX XXXXXXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXXXXXX 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 2020-06-30
Company: DISCOVER BANK
State: NJ
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 was using discover card for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by Discover card while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with XXXX  balance. Its very clear that some technical glitch from the company side caused these problem and discover is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.

Company response to consumer: Closed with explanation