BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.

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 2020-04-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield and Associates to which is the debt collection company in this matter was paid in full on XX/XX/XXXX for a medical debt of {$100.00}. This item was reported on all three of my credit reports as a collection by a Collection Agency/Attorney. The original debt belonged to XXXX XXXX XXXX XXXX XXXX and was told it would be updated for removal and it would take up to 30 days to post. As of XXXX of XXXX, it was removed from 2 of the major bureau but continues on one of the major reporting companies. When I contacted the collection company on XX/XX/XXXX, the Agent on the other line was aggressively rude stating they will not update the XXXX balance item for removal as stated before. They do not do reporting of updated information as the original owner requested. I informed her the original owner of the debt stated they were to do so being I paid the item in full to which was asked of me. She then preceded to state this is not what they do and they will not update the information again. I then asked for a copy of the letter to which they claimed to have sent to me and was told they would not resend the letter. The item is still reflecting in their system but paid. The customer service professional was very unprofessional although I understand with the pandemic going on people are frantic. Yet, there was no need for her unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called flagstaff to get a suspension of my mortgage because of Covid 19, let them know I was recording the call and they hung up on 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 explanation
Consumer complaint received 2016-12-15
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A representative a XXXX threatened over the phone to take my income taxes for a credit card debt I had obtained in XXXX or XXXX. They also have someone calling my job and calling my HR director " a rude woman '' and asking if I work at my place of employment because he is calling with a " courtesy call ''. He is actually a process server. I do not want debt calls at my job. I was not working at this job when I obtained the debt 8 or 9 years ago.

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 2023-03-25
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section 623 ( a ) ( 5 ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ).

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, 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 2017-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me at all.

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 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On approximately    XXXX   XXXX     2017 I mad e the required payment and extra. On   XXXX   XXXX    2017 I  made another payment for    XXXX   XXXX     2017, it w as applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about   XXXX   's payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On    XXXX   XXXX     2017 I reve iwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for  sixty  days. I called the company again and the representative hang up.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-08-04
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My previous landlord assesed move out charges in XX/XX/2021 that I disputed. They turned these charges over to Hunter Warfield for collection. I disputed the charges with them as well within 30 days. They sent me photos from my previous landlord and then reported the charges to the credit bureaus. My credit score as dropped significantly because of this making it difficult for me to get a loan for a new vehicle which is affecting my business. I have video of the apartment when i moved out that disputes the charges assessed. XXXX XXXX XXXX now XXXX XXXX assessed these bogus charges as retalition against me because the property manager and I had disputes while I was living there. I disagree with the charges Hunter Warfield is attempting to collect and that is reporting to the credit bureaus. I have video to dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I applied for and rejected a HAMP modification with my mortgage servicing company Ocwen Loan Servicing. They never canceled the modification after XXXX conversations and XXXX letters to the company. Upon making my XXXX payment per the online system in the amount of {$650.00}, which has cleared my bank account. I am now being told that Ocwen will report my loan as late as there is a balance remaining for XXXX in the amount of {$170.00}. Keep in mind in 10 years I have never paid a late mortgage payment and I have always paid my mortgage on line. No where in the online system did it state that my payment was anything more than {$650.00}. I have recently received my current billing statement for the month of XXXX and it states a total amount due of {$1000.00}. My normal mortgage payment is {$880.00}. When I call the automated system I am provided the following : payment for XXXX received {$650.00} ; Payment for XXXX due {$650.00} ; Payment to change XXXX/XXXX/15 from {$820.00} to {$880.00}. Ocwen can not get things straight and they are pushing it off on me. How do you get that I owe {$1000.00} when my mortgage payment is {$880.00}. 

Further, I am in the process of refinancing my mortgage and have requested a payoff statement which Ocwen is refusing to send or claiming they have emailed it yet nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Aldous & Associates, PLLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being robo-called repeatedly by the number XXXX attempting to collect a fake debt. 

This is a scam caller and needs to be reported to authorities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I legally changed my name in Indiana on XXXX XX/XX/2019 from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive applied for a VA Loan and the lender Im using is having trouble with getting my credit report from Experian. They havent updated it yet and since it doesnt match my legal name its holding up the loan process. 

Ive tried multiple avenues with Experian and have been unable to reach someone to help. Its been a frustratingly maddening process and I end up right back where I started when trying to solve this. Please help.

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 2016-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently hadiscovered to pull my reports for employment and I saw inquiry that had been deleted reinserted.

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 2020-04-10
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the fourth complaint against this Loancare/XXXX. MY LOAN IS PAID IN FULL ON TIME so we wont be using that as an excuse to not investigate this company. Once again I have called them multiple times and got transferred multiple times and sent email and sent documents. I paid all of my taxes this year. This means I went online and paid in full the entire balance for 2020. I then submitted a recite and called and spoke to XXXX the last person I was transferred too at Loancare/XXXX. He said they would look into it which is of course just another blow off. My monthly mortgage has not been the {$780.00} in months they first said it was because of an additional charges from my homeowners insurance putting it at over {$900.00}, with the last payment being in XXXX ; which still is not reflected on my mortgage payment this month XX/XX/2020 I still had to pay over {$900.00}. When they were told I already paid my taxes they still continued to collect them on top of insurance when it was not needed again sending a duplicate payment to XXXX County for {$600.00}. I have asked to have this money returned to my account and have not gotten any response. My next month still has not been updated to be even at least the {$780.00}. They continue to double collect for both my insurance and for taxes both have been paid. If you dont pay you get a 60 day late notice on your credit report barring you from ever escaping this company. I am truly disgusted that this has continued to happen. This company has done this to me and others with not only their poor customer service, lack of any employee accountability, and incompetence in handling any matter. This is my last step. I am submitting this complaint to the Consumer Finance Board, XXXX XXXX XXXX, the Finance Commission, and the Attorney General again. While I wait for again nothing to happen I will be submitting this to our State Senate then if I have to the Media. As of today XX/XX/2020 there are hundreds of others that are in the same situation with their mortgage being mishandled by this company. Please address the first my attached pieces for proof, I also encourage you to look at the reviews submitted by others many that are current to today.

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 2016-06-03
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a settlement Stipulation in which I pay {$100.00} on or before XXXX of each month until the settlement amount is paid in full. So far I have send in XXXX payments certified mail on time. Twice now have I had them cross out the account number for which the payment was made on and replaced with a different account number followed by a letter to me stating that I am in default of the stipulation of settlement and they plan on applying judgement against me. I believe this is a dishonest way to collect on XXXX different accounts and to manipulate me into paying the settlement in full.

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 2020-04-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020, Nissan Motor Acceptance Corporation posted a payment of {$19000.00} to my account. I attempted to reach NMAC several times via phone and live chat, but was unsuccessful. I assumed that the payment was made by a family member or a philanthropist attempting to assuage some of the stress related to the pandemic. On XX/XX/2020, I logged into the NMAC website and saw that my account was closed. I received a letter certifying that my contract was fulfilled, and my lien was released. On XX/XX/XXXX, I logged into the website again to find that my account was reopened and past due. I have still had no success reaching a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: ERC
State: MN
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:
There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: CA
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:
On  X/XX/2017    I received an email from Chase Bank alerting me to a charge made on a credit card that I had not made any charges to in probably a year or more. Also, the credit card had not expired and Chase made a duplicate of the card and mailed it to me without asking if I wanted a newer version of their card and extra business services attached to the new card. I never received the new card and charges are being made to that card and  Chase  maintains that the interest rate is why my balance is over {$2300.00} on a card that has not been used in over a year. The credit card max balance is {$2500.00} mind you. So in all of that time that the card had not been used and {$75.00} per month was being paid per direct withdrawal, I had not even paid them an amount to equal {$200.00}. In addittion on the credit card website providing my balance statement and charges, it clearly states that my payments are {$68.00} but if you check how much I have been charged, the amounts are usually in the $  XXXX  range. I feel so cheated. Please investigate  Chase  's business practices as it is likely their predatory style is the norm for millions of other  Chase  credit card holders. Thank you in advance.  XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 4 fraudulent transactions at a XXXX in XXXX, GA for a total of {$830.00}. 
Claim number XXXX The fraud was executed by calling me from a spoofed phone number made to imitate Chases own customer service number. They posed as if my bank account had been used in Texas. They then proceeded to walk me through, with great accuracy, the steps to replace my debit card. While asking me the requisite questions they supplied me with a two-factor code to verify my identity. 

That code was instead used to add my debit card to a XXXX XXXX XXXX, a service I havent ever used. They then proceeded to make the fraudulent charges. 

I have filed and re-asserted my claim that this was fraud and I shouldnt be held liable but Chase has shot both of those claims down. All under the pretense that me giving that two-factor code to them justifies the dismissal. My last conversation took place on XX/XX/XXXX. The agent would not re-open my claim. I asked to speak to a supervisor and was told I would be contacted in 3-5 business days to discuss the issue further. 

Its has obviously been much longer than that and I havent heard anything from Chase since. 

At this point Im not sure who to turn to for help, and a friend suggested the CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief