BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-22
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I brokered a deal with XXXX XXXX, extension XXXX to settle a debt I had with CITIBank, paying XXXX on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX I paid {$2000.00} and made payment arrangements for XXXX/XXXX/XXXX of {$200.00}, XXXX/XXXX/XXXX of {$200.00} and the last payment of {$200.00} on XXXX/XXXX/XXXX. I called on the date of the last payment of {$200.00} to arrange a payment a couple of days late. I was told by XXXX XXXX that the transaction was in process and that there was nothing I could do about it. I said the transaction had not showed up in my checking account she said there was nothing she could do or I could do. It came back insufficient funds and a few days later XXXX XXXX called and made an arrangement for the last payment of {$200.00} which was taken from my account on XXXX which cleared on XXXX. On XXXX XXXX XXXX called and told me that since I paid the last payment late that the agreement was null and void. I told her that I had made the last payment as agreed. I asked to talk to her supervisor she patched me through to XXXX XXXX got a voicemail. I finally reached him XXXX/XXXX/XXXX where he proceeded to tell me my deal was voided by my making the last payment late. XXXX XXXX called and tried to get me to make a commitment of paying the rest of the debt of {$4700.00} when I got my tax refund I told her my dad does my taxes and he usually waits until the last minute to do them. XXXX XXXX XXXX employed the same tactics they did before XXXX/XXXX/XXXX. They called my parents, my work, and me. They called my home and cell phone daily. My account was transfered to another person whom which I told I would not be receiving my income tax until XXXX and that I was not sure that I could pay them because of other obligations. It eventually ended up on XXXX XXXX 's XXXX, ex XXXX desk and I told her my history. She said she could see where my check came back insufficient funds thus voiding the settletment. She said that I could settle for {$1900.00} in Febuary and I told her that I did not have the money. She called me weekly to see If I got my refund yet and on XXXX/XXXX/XXXX she informed me that the offer was of the table and that she could settle for {$2600.00} which I did not have and that she did not want to see my debt go into litigation. I made payment arrangements for {$130.00} to be debited from my checking every month for the next 35 months which I 've been making. I just heard of you guys by reading an online article. I feel I do not owe the {$4500.00} as of XXXX, XXXX statement form XXXX. I thought my debt was settled when I made the arrangement for the missed last payment to be made on XXXX. I got some bad advice from XXXX from XXXX in XXXX who I thought was a part of the XXXX XXXX She advised me not to pay them another dime because my debt was settled.

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 2015-10-07
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Delinquent account

Complaint:
I have had an account with Macys for a few years. I have not used the card forever. I called them XX/XX/XXXX 2015 to update my new address because I moved. They said it was updated. The other day. XXXX/XXXX/15, I had my credit pulled and they are reporting me 90 days late. I called them, the same day to resolve this, and they said all the statements had got returned because they have the wrong address. They advised me it was their error and they removed all the fees and fixed my account. They said they would remove he lates from my credit due to their error as well. I called back XXXX/XXXX/15 to ensure this had been done & they advised me they will not remove the lates from my credit because I should have called them to ensure my address was changed. Why do I have to call back to ensure my address is changed? I changed it with them and all my creditors in XXXX 2015. It is not my fault they did not update it correctly. This is not my fault and they have admitted it to me and fixed all the other issues, the lates on my credit are a part of the same issue & need to be removed as well. I am never late nor have I been late with them or any other creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have Macy 's American Express card that had fraud charges totaling about {$230.00} on XXXX/XXXX/2015. So called Macy 's to resolve this issue and they told me to fill out a form and send it to them and told me they will take care of it. After 4 months, nothing have been resolved and they finally admitted to having that they lost my fraud form so I had to resend it again. But the real problem is that this got into my credit report for no payments made. I have called more than 10 times but I am not sure what else can I do to fix this problem. 
Pls Help.. 
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 non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX  request that I have been a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

**Experian I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

**XXXX I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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 2016-04-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.

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 2015-06-11
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mid south adjustment debt of {$260.00}. Originally from XXXX XXXX XXXX XXXX. I have XXXX. I have had this insurance for several years. The hospital has my insurance and has billed them for everything Ive ever went there for. Now they have reported to my credit as I owe this. I have tried contacting them and have had no luck resolving this. I do not owe this debit. 

Thank you for you time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
The following account ( s ) must be deleted from my credit report as a result of fraud : 1. Identity Theft XXXX XXXX Account Number :  XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

2. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities. 

3. Identity Theft XXXX Card Account Number : XXXX This account is on my credit report as a result of fraud. I did not apply for this account and it does not belong to me. Please remove this account on my credit report as I have already filed an identity theft affidavit to alert the proper authorities.

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 2022-01-29
Company: Reach Financial LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir, madame, I don't have a loan with Liberty Lending LLC. There was some kind of correspondance with them in emails pre pandemic back in XXXX. The took out {$340.00} fro my bank account in XXXX of XXXX. I have had that reverse. I have spoken to them 3 times. I stated that i don't have a loan with them from XXXX. I have zero disclosures, paper work period. They even have my first name wrong. i am afraid they are going to injure me more. I have no relationship with them except I have spoken to them with never a mention of any loan, in fact they have told me there is no loan. i told them to cease any and all efforts to injure me. They were supposed to call me back on XX/XX/XXXX after XXXX and never did. I am reaching out to you to help me with I feel a fraudulent claim on me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Im having a big problem with American Express platinum card. I made a purchase on paying it off I was in the hospital and theyre giving me a hard time and the cut off to my credit cards. I told him Ive been in the hospital on my deathbed and this is the way they treat their customers. Im off have a balance of reward and I cant use it towards my purchases. Theyre a bunch of con artists. The sad thing is they approve me for the American Express XXXX are activated it today and they blocked my card. They can not do that. I want whats the title to me I cant help that I was in the hospital. And the in-laws pick me up today because they put me through XXXX and I ended up having another XXXX. They are not responsible for mine condition. 
i will be giving them my hospital bill ffrom today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

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 2020-08-13
Company: ALLY FINANCIAL INC.
State: SC
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:
There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.

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 2020-08-13
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RoundPoint needs to stop closing out the complaint process without addressing the issues. 

HOW DID WE GET PUT ON THE LOAN MODIFICATION IN THE FIRST PLACE???????? 
WE DID NOT ASK FOR OR SIGN UP FOR A MODIFICATION!! 
IT WAS JUST DONE!!! 
NO EXPLANATION ABOUT IT AT ALL!!!!!! 

WHEN WE HAD TO THE FOLLOWING TIME IT WAS BECAUSE OF THE INPROPER HANDELING THE FIRST TIME. IT PUT US SO FAR BEHIND WE HAD TO SIGN UP AND WAS NEVER TOLD APPLICATION WAS INCOMPLETE BECAUSE OF ONE MISSING PAGE. SENT 8 TIMES AND KEPT BEING TOLD THAT IT WAS RECEIVED, BUT NOT THAT THERE WAS AN ISSUE. ( AGAINST CALIFORNIA LAW ) THE EMAILED VERSION THAT WAS SENT IN XX/XX/2020 VIA EMAIL WAS NOT READABLE AND A PICTURE WAS SENT SHOWING THE DOWNLOADABLE COPY.

MORTGAGE COMPANY requested that a hard copy be sent in the mail of the three options that were discussed with case manager that never appeared. Not emailed in any way as the down load was unreadable. Non were ever sent at anytime other then email in XX/XX/2020, but this was ignored. YOU IGNORED THE REQUEST OF THE MORTGAGE COMPANY TO SEND THE DOCUMENTS VIA USPS. 

DO NOT DOUBLE TALK AND TALK AROUND IT!!! 

HOW WERE WE FIRST PLACED ON A MODIFICATION, THAT WE DID NOT APPLY FOR?????????????????? 

ADDRESS THESE QUESTIONS ONLY

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 2016-12-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I had a Bloomingdales charge card since XX/XX/XXXX. They never sent statements or alert via email or mail. In XX/XX/XXXX, I had a balance of {$11.00}. Bloomingdales still did not send me alert via email or mail and quietly charge me late fees. When I found out this issue in months, the total balance has reached almost {$200.00}. I called Bloomingdales to resolve this problem. I offered to pay the original balance {$11.00} but they insisted that I paid all fees. I believe this is not my problem. If they had alerted me via email or mail, I would have paid off that {$11.00}. All other credit cards I use send regular reminders via email or mail to alert customers about pending balance. I believe Bloomingdales ' insufficient service caused this late fee and thus 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 2022-01-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine I requested validation of debt and the bureaus could not provide that to me I sent out letters to the collections company and they never responded to my letters.

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 2020-01-09
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My father who is XXXX veteran sent me money via venmo for his emotional support dog but sent it to my old venmo account. I have reached out to venmo on sunday and it has been 5 days and they won't let me gain access. the account clearly is mine. i have the email and password i just can't use the two step verification because it's an old phone number. 

old venmo account XXXX  XXXX new account XXXX XXXX this is insane. i need the money to help my father

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
001. Harris and Harris - XXXX XXXX. Harris and Harris - XXXX Harris and Harris has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner

Company response to consumer: Closed with explanation