BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2018 approx XXXX EST I received a call from someone who identified themselves as working for XXXX XXXX XXXX XXXX This person asked if I was my name and I replied in the affirmative. The agent never verified my identity though DOB or last 4 of my Social Security number then proceeded to disclose a debt to me, including the full amount owed and to whom. I believe this violated the FDCPA as only my name was asked and my ID was never verified.

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 2017-09-08
Company: EQUIFAX, 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:
cra reporting inaccurate info XXXX XXXX XXXX XXXX XXXX XXXX inquires that i did not do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no knowledge of these hard inquiries, 1. from CITIBANK BEST BUY ( Television & Radio ) Date : XX/XX/XXXX XXXX ( BANK ) XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( BANK ) XX/XX/XXXXXXXX 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 2018-10-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank you.

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 2023-07-26
Company: EQUIFAX, INC.
State: PA
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:
after reviewing my credit report i was able to identify multiple accounts that are still reporting due to fraud / identity theft. I submitted FTC identity theft reports affidavit written statement proof of identity with proper documentation and Equifax continues to report fraudulent accounts to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA. the Credit reporting Agencies are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items completely from my Crediet File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2022-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in a branch on XX/XX/2022 at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX i was told that my deposit would be held until XX/XX/2022. I get home and received an email from BofA, saying additional hold was place one my check because " a hold was placed on your check beause check specific information indicates item may be returned. '' then I called and spoke to XXXX. she said the hold said " They said they cant verify funds? Or to make sure, Its not deposit twice, make sure its not a fraud check why would that take that long. I filed a complant with BofA # XXXX with 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 2020-12-03
Company: Experian Information Solutions Inc.
State: OH
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/2020 I submitted a letter to XXXX XXXX that I would like to make arrangements to settle the referenced matter. 
I asked them to provide me with a statement of the amount owing as of together with their assurance that they will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. On XX/XX/2020 I was provided with what was owed but not the what I asked for which was the the original instrument of indebtedness in its original form. 
On XX/XX/2020 I sent them a follow up letter where I stated It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 
Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form within 30 days I will conclude that they are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled. They never responded. I then sent this to all XXXX credit bureaus who all said the debt was " verified ''. They did not do any due diligence. These are being reported incorrectly and should be removed.

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 2018-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On the date XX/XX/2018 an unauthorize transaction of the amount of {$480.00} was deducted from my account thru a XXXX XXXX atm in XXXX XXXX. I called the next day to report of the issue they got all my information two weeks later i have not received any letters or a phone call of the solution of the claim.i called XX/XX/2018 just to hear that they denied the claim because the pin number was entered right the first time. I was upset because i trust no one with my financial assets how can this be! So im seeking help thank you. 

Sincerly 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 2020-01-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE SERVICING CTR {$490000.00} <1 % paid off 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/2019 Account type Conventional Real Estate Loan, Including Purchase Money First Balance Loan Amount {$490000.00} {$490000.00} Payment Info Status Current, was past due 30 days Updated on XX/XX/2019 Past due amount - Original loan amount - Monthly payment {$2700.00} Late payments XX/XX/2019 You've made 96 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 On Time 30   Days Late THE ABOVE MENTIONED MORTGAGE HAS BEEN REPORTING INCORRECT 30 DAYS LATE AND THEY ARE NOT ADMITTING, THAT THEY WERE ARE FAULT. MY INFORMATION WAS FRAUD AND INCORRECT. BY THE TIME WE FOUND OUT THE 30 DAY  LATE, IT WAS TOO LATE, DAMAGED OUR CREDIT SCORES AND REPORT. WE VERIFIED THEY HAD WRONG CONTACT, MAILING, EMAIL INFORMATION. WE DID NOT RECEIVE ANY TYPE OF CONTACTS. WE FOUND ABOUT THE LATE WHEN WE WERE BUYING A CAR. WE CONTACTED THE MORTGAGE COMPANY AND STILL WE ARE BEING BLAMED FOR.

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 2018-10-15
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company keeps trying to say my identity was stolen. My identity was not stolen. There are many XXXX XXXX. I am just one of many. The address on file for this debt does not match my address and has never matched any of my addresses. I have never lived at this address. I sent proof to this company that I never lived at that address. Yet they are still trying to claim that my identity was stolen. My identity was not stolen. They have the wrong XXXX XXXX. 

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. Security Collection Agency ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXXand XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report. 

My identity was not stolen. This is the wrong XXXX XXXX. I do not need to fill out and stolen identity paperwork. I already sent proof via certified mail of my address. I sent a copy of my XXXX for XX/XX/XXXX and XX/XX/XXXX and a copy of my driver 's license. I have never had my identity stolen and I am not claiming that my identity has been stolen. They have the wrong XXXX XXXX. The address on file with the EMS company does not match my address. I don't know how many other ways I can say this so that this company will understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
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:
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: 21ST MORTGAGE CORP.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX at XXXX AM in my divorce decree it was ruled that I gave the home to my ex-husband and was no longer financial responsible for the home. 
XXXX CIRCUIT COURT OF XXXX XXXX, ALABAMA XXXX XXXX  XXXX, CLERK Since, I have contacted 21st Mortgage Corporation to have my name removed from the mortgage. On XX/XX/XXXX they received a certified letter from me requesting name removal from the mortgage ( Tracking Number : XXXX ). After numerous of attempts to remove my name before, on XX/XX/XXXX XXXX Judge : XXXX XXXX, XXXX XXXX the court the request of the parties, Plaintiff, 21st Mortgage Corporation XXXX and XXXX, XXXX XXXX XXXX XXXX it is hereby, ORDERED, ADJUDGED and DECREED as follows : Count One of the Complaint of 21st Mortgage Corporation ( `` Plaintiff '' ) is hereby dismissed without prejudice as to Defendant XXXX XXXX. 
XXXX XXXX XXXX is hereby rendered in favor of Plaintiff. Count Two of Plaintiff 's Complaint for the immediate possession of one ( 1 ) XXXX ( " Manufactured Home '' ). 
After the ruling, the home was surrendered. However the company has not attempted to get the home. Their failed attempt to retrieve the home after the ruling 1 year and 7 months ago, is affecting my life. My credit score has dropped dramatically. I have tried communicating but I have not received a response. The account is still reporting to the credit bureaus as open and reporting negatively on my credit report. As stated before, I am not financially responsible for the home. My ex-husband has ownership of the home and in judgement is fully financially responsible for all obligations with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I Recently reviewed my credit report and noticed i have more than a dozen reported late payments. In years past while I occupied the home for a very short time in XX/XX/XXXX at the time of purchase and the first few months of XX/XX/XXXX I in good faith made timely payments on the home. It was until after XX/XX/XXXX that I longer occupied the home due to relocation with my employer, XXXX XXXX XXXX XXXX. The situation at the time gave me very little time to find tenants as we no longer lived in the same city which in turn made it very difficult to rent out. As the months and years followed we came across tenants that would not pay on time or pay at all which resulted in the negative items. Being the only income for my family and living out of town it was my duty to take care of them first. My position in the line of work that i do does not allow for us to fall into such situations and can result in my question for suitability for employment. I tried on several occasions to see what the bank can do or assist with out it affecting my credit only to be turned down and advised that there wasn't much help for me. Due to medical reasons for my youngest daughter we were able to move back to our hometown and find a place to stay while we dealt with tenants. I somehow managed to catch up on the payments with my own savings but was still a difficult task. I do plan on keeping the property and have also since found reliable tenants that have not defaulted.

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 2019-04-16
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Prior to using Square merchant services I was with XXXX XXXX for my merchant processing. 

In the 6 years I was with XXXX, I won over 90 % of chargebacks filed against my company. XXXX provided me with the full card number of the cardholder for each dispute, the name and phone number of the bank handling the dispute, and the means to send me rebuttals to the banks. Now that I am with Square, they refuse to provide me with any of these details, despite Square using XXXX as their own processor. 

Since signing up with Square I have lost 100 % of my chargeback disputes, which leads me to believe that Square is not sending the rebuttals and evidence I upload via their online dispute resolution process to the cardholder 's bank. When I called in to square to ask for the bank details for 2 banks handling 2 different disputes on my account, they refused. These disputes amount to over {$2400.00}.

On one dispute I have included signed proof of delivery to the customer dated after her complaint of " product not as described '', which is an impossible complaint to make before receiving merchandise. I also sent an email from this customer who stated she canceled her dispute with her bank and I would be getting my funds returned. Weeks have gone by and the funds have not been returned to my account despite uploading this documentation to Square refuting the customer 's claim. 

A second dispute the customer claimed non-delivery of Goods.  I provided a signed proof of delivery to the billing address of this customer. I also called the customer who confirmed he had contacted his bank, confirmed receipt of goods and that the dispute had been canceled. Despite providing this documentation to Square, my funds have not been returned.

How I can go from over a 90 % win ratio to a 100 % loss ratio from switching processors is a mystery. The only logical conclusion ( because the way I fight chargebacks is the same now as it was then ) is that Square is mishandling my documentation and not providing it to the cardholder 's bank, allowing the bank to defraud me for thousands of dollars. 

Requests for a supervisor by Square were denied. Requests for the cardholder bank contact details were declined. Proof that the documents I submitted to square were delivered to the cardholder 's bank were declined. A request for a callback from a manager/supervisor or the legal team were declined. Square is violating my financial rights and assisting with fraud against my account. They are refusing to provide information that XXXX gives them access to, stating company policy as their reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Saturday XX/XX/2018 I went to Best Buy to pick up XXXX security cameras. While checking out the sales man asked if I would like to sign up for a Best Buy credit card and save 10 %. Since my purchase was approximately {$1600.00}, I agreed and submitted my application. With a credit score over 820 and no debt I didnt not think it was a problem until the salesman asked if I could speak to the credit agent on the phone. The agent confirmed my salary then informed me I was denied for the no fee credit card offer but that I did quality for the gold card which had an annual fee of {$59.00}. I advised the agent that I did not want the gold card but the card that gave 10 % back at time of initial purchase. I asked how it was possible that I could qualify for a more difficult card to get but be denied for a lesser card to which he had no response. I advised that this behavior was deceptive and predatory as his intent was to deny my application, which would negatively hit my credit report, unless I signed up for the card with the annual fee. As my credit is near perfect this is abusive, harrassing, aggressive and deceptive behavior. I used my XXXX XXXX card instead for the purchase. Please contact me for additional information in order to investigate.

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