BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Citigroup XXXX Inc is the parent company of Citifinancial which slandered the title of my real estate property for XXXX years.Citifiancial acknowledges that the disclosure statement and Deed of Trust only has XXXX signature, and not XXXX ; which is a violation of Maryland XXXX. 
Citifinancial placed an illegal lien ( SLANDER OF TITLE XXXX on my property on Febuary XXXX. There are XXXX people XXXX XXXX XXXX and XXXX XXXX XXXX that are on the deed. XXXX XXXX never signed any paperwork for a mortgage or home equity loan XXXX CitiFiancial admits to this fact- see attached documents ) ; therefore a Lien can not be placed on a property, according to Maryland XXXX XXXX XXXX Citifinancial admitted in a correspondence dated XXXX/XXXX/XXXX, that " they made a mistake. '' But, this mistake cost me and my uncle a lot of money because of their " INTENTIONAL MISTAKE. '' We were unable to sell the property, suffered tremendous pain and suffering and extreme financial difficulties. 
On XX/XX/XXXX, Citifinancial took the deed of trust and other documents to XXXX XXXX XXXX for the placement of a lien on my property, total aware of the fact that ALL signature were not present ( CitiFinancial admits to this fact ). This is SLANDER OF TITLEBecause of my Active Duty Status, I am not under Statue of Limitation Laws, because of the Sailors Soldiers and Civil Relief Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Bank of America so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Bank of America charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Bank of America decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to bank of america. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Northstar Location Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was previously settled with another DSC. Appears original creditor is still trying to collect the remaining balance after agreeing and accepting a lump sum settlement payment. 

Tried to call new DSC no one answers the phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, This letter is in response to notice I, XXXX XXXX, received of a debt being claimed against me. In accordance with 15 U.S. Code 1692g, I am requesting verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, who was this debt paid too, and evidence that I am legally responsible for the debt. 

Please consider this debt to be under dispute. If it is found that there is no evidence of this debt is under my name, then I request that all credit bureaus and appropriate financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 

Additionally, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. Please send all communication, by mail, to : XXXX XXXX XXXX, XXXX, NY XXXX I am aware of the request for payment by your company, and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

Thank you for your cooperation, and I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: DISCOVER BANK
State: CO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-21
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified consultants has added several entire derogatory cases on my file and labled them as having to do with a bankruptcy. I nevber went through on a bk. When I called they said " if you owe it, pay it '' it bankruptcy file when that is not the case and they are causing my credit score to  drop by more than  XXXX  points. These people should be put in jail and I am writin g the AG of t heir state to make sure it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, CFPB. I am I writing today because I really need your help. Bank of America is unfairly reporting a late payment on my account ; which is not due to a money issue or even worse, that I did not want to make my payment on time as Ive always done. 

I have been quarantined while traveling due to Covid-19, couldnt travel to the US on XX/XX/XXXX that I was suppoused to be back, and had no access to my account. The account was to be on auto payment, I have emails confirming auto payment was made a few months ago, I even have the statements ( see attached proof ). 

The payment was due to an annual fee ; there was no way I could have known that the payment was not made, I didnt even know there was a balance due to an annual fee ; and even if that was the case, the account is enrolled in auto payments. I have more than enough money in my Bank of America checking account ( see attached proof ). 

I also want to emphasize that I have never been late on this account. I have been a loyal customer for more than 6 years, and I believe I dont deserve Bank of America to report erroneous information. This is unfair, and I am now having a high level of stress. My credit score has decreased many points because of this erroneous report, and this was not my fault. 

Please see bellow account information : Bank of America credit card. Account # XXXX, opened XX/XX/XXXX, limit {$1800.00}.

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 2019-12-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a best buy credit card thru citibank after my house hit my credit report they lowered my credit limit from XXXX to XXXX when i was carrying a XXXX balance now i am almost over the limit. I was not informed by the creditors this happened and called to find out why all they told me was because of my credit report. Now my score is lowering because i am over the limit on the card. Reps at bank just said the only way to go back is to re apply. Which i do not want to do since they just raised it 2 months 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 2016-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Below is the letter that was sent to Experian today along with a copy of the CFBP dispute case this is in reference to : " Experian : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Experian and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Experian to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.

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 2015-12-15
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Other

Complaint:
I schedule payments for my Citibank AAdvantage Platinum MasterCard online. I have never payed late and always pay the full amount. Last month I apparently scheduled my payment two days after it was due by mistake and incurred almost {$80.00} in fees and interest. I called and Citibank waived the interest and fees. When I went to pay the current month 's bill, however, I discovered what may have been the root of my mistake. After you select the amount you are going to pay online you select a date. When you click on the calendar to select a date there are a number of days that are in bold starting with today 's date and extending out about 9 days from today. The days after that are not in bold, even though they are within the same month and in the middle of the week. What I noticed is the last two days highlighted in bold on the calendar are past the due date for this month 's payment. I believe the bolding of dates on the calendar is a deceptive practice designed to get customers to select a date that is past the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is 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 2015-07-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My mortgage manager sent them proof it was n't my lien and they said they can not remove it from my name. I have XXXX lien showing up as mine. My name was put under hers on the tax form XXXX erroneously, I think they thought we were married? Her name is next to her social and her debt and the irs said that should be enough for you all to remove it. I also attached the transunion letter where they found it to be in error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have asked Navy Federal Credit Union to verify the debt ( per FDCPA ) and to respond to my request within 30 days. The document was sent via certified mail with a return receipt. There was a return mail receipt signed and forwarded back to me. Therefore, the document was received. 
In the notarized document, I asked for debt verification. Prior to this, I spoke with an agent on the phone asking for a full document explaining the details of the car loan. I only received a XXXX page document that spelled out interest rates, the amount of the loan, and the number of payments. If this was/is an executable contract, there should be XXXX signatures, XXXX from myself and the other from a duly authorized Navy Federal Credit Union employee XXXX ( see document attached -requesting this information ). The notarized document was sent to them early XX/XX/2022. However, after submitting the document via certified mail, I have not gotten a response in writing. My request has been ignored. Please address this issue as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an email in XX/XX/2018 that my student loan had increased. I was in the rate reduction plan. I called Navient about the pass due prior to XX/XX/2018 because I noticed that the agreed amount had not been deducted from my account. The representative told me not to worry about because of the payroll deduction I had actually paid ahead. Never gave it another thought thinking this was correct until I received a pass due notice. I again called and was told your rate has increased because you are no longer in the rate reduction. This bill increased over {$100.00} without any notification nor was i ever notified that i was no longer in the rate reduction plan. I can not pay the additional {$100.00} yet they are shorting my living expenses by debiting my account this much.

Navient apparently uses a script to communicate with people and every situation is not the same. They dont listen they take money. They do things without notification. They tell you things like sell your blood, move with your parents, sleep under a bridge etc anything but helping the student.

I need this resolved asap before i am homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
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 have a hard inquirie from Ace Cash Exp XXXX, TX XXXX ( XXXX ) XXXX on XX/XX/XXXX and I never authorized any credit check from this company and I have no knowledge of this company. 
I have another hard inquirie from XXXX XXXX XXXX, CA XXXX from XX/XX/XXXX that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BANK RESPONSE IS FRAUDULENT, UNETHICAL AND DECEPTIVE. 

I walked into the bank at approximately XXXX : XXXX XXXX, i presented all my information with a withdrawal slip, I have withdrawn from this branch before and the teller recognized me. Upon search, they came back and informed me i could not withdraw my money and stated they didn't not have a reason other than what was seen in the computer, ie the bank had refused to give me my money in retaliation to my complaints. I also received a phone call from the Chase bank later that week acknowledging this situation and stating they would get to the bottom of it. 
In the prior response of XX/XX/2020 by chase has falsified the facts and stated they were not able to find this situation even after agreeing that it happened. 
As i have earlier stated Chase bank doesn't respect the CFPB since or this process as it has deemed useless and can state any falsification to close the complaint. 
I intend to expose this unjust and retaliation behavior, this is a breach of contract and trust by the bank.

Company response to consumer: Closed with explanation