BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance.

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 2016-11-27
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my mortgage company Green Tree Servicing LLC / Ditech to over paying the property taxes XXXX XXXX 2013 due to a delinquent status on my account. Green Tree Servicing LLC / Ditech overpaid the taxes by {$4500.00}. my escrow has been in the rears ever since, for over two years I have tired to get Green Tree Servicing LLC / Ditech to correct this, I forward proof of overpayment to Green Tree Servicing LLC / Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation

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 2016-05-30
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. Along with XXXX bill payments I must also complete {$1000.00} in debit card purchases. I completed all requirements to receive this bonus. 

After enrolling with the promotion code via calling Citi directly, I contacted Citi a few days later and received re-confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I fulfilled all terms of the offer and I expected to receive my bonus points. 

On XXXX XXXX, 2016, I still did not receive my bonus points as promised so I Secure Messaged Citi. 

On XXXX XXXX, 2016, I received a message from XXXX at Citibank that an internal investigation was opened. 

On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial by calling XXXX, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, My appeal was denied. 

Since I disposed of the original mailer after opening my account, the supervisor at Citi said that her options were exhausted. This is even though I received multiple confirmations from Citi representatives that my account was linked to the promotion. My welcome package also confirmed the XXXX promotion, even mentioning the promotional code I provided when opening the account. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. I believe these practices are intended to be protected by the California consumer legal remedies act. As a consumer, I just want to be treated fairly and have promises honored.

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 2022-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as XXXX and Equifax repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, Equifax and XXXX updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX  complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX  XXXX has Illegally sold my account to credit control both breaking the HIPPA LAW. I am protected Under the HIPPA LAW as a patient. Credit control has accessed my social security number my address phone numbers, has threatened my job and has access to my medical records, this company knew EVERYTHING I was treated for. That was private information! I have filed a complaint with the HIPPA law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
Equifax is still reporting this collections accounts XXXX XXXX XXXX as verified and accurate. How can that be? This collections account shows an PAST DUE balance of {$830.00} and an OPEN status.This is illegal and in violation of several 15 U.S.C. laws.This is my 3rd attempt disputing this account with Equifax, this collection 's account CLEARLY is in violation of my rights as a Consumer and MUST be deleted from my credit report ASAP. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Bread Financial Holdings, Inc.
State: VA
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 XX/XX/XXXX I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) in regards to a letter dated XX/XX/XXXX advising that I had 30 days from date of the letter to take advantage of a {$390.00} but sold the account to XXXX XXXX XXXX on XX/XX/XXXX. when I called to pay the account I was told " it was sold and the could not honor the offer '' I asked why would a settlement offer be extended, consumer calls to accept within the terms of the offer ( 30 days would be XX/XX/XXXX ) but not accept. I believe this letter was sent erroneously since XXXX XXXX didn't agree to the terms of this letter. I feel that this account could've been recalled from XXXX and handled internally with XXXX as I called within the allotted time of the offer letter. It is also my believe that XXXX is doing this to THOUSANDS of consumers which cause another derogatory trade line on consumers credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/2021 i called Discover Bank in order to let them know of fraudulent activity in my Credit card account. At this point they seemed to one to help me with an investigation on the fraudulent charges. I explicitly told them that i was at that point a victim of Identity Theft and I had filed an FTC report and had open a Police report as well. All this information was provided as well. Nevertheless today for the third time I am fighting to not pay {$16000.00} that I did not even spend. My card limit was {$9000.00} and the person that stole my identity and credit card digitally was able to take out that amount. In addition to this and all the information and paper trail I provided to the investigators they state i am still responsible of paying a debt that I did not accrue because i can not proof that it wasn't me that made the transactions because my identity was stolen. There were numerous bank accounts attached to my Discover account that were not even under my name and not even that is enough. They have continued to even auto-debit payments until I stopped them, its gotten to the point were i am actually struggling to get by. In multiple occasions i have also stated that while my phone was stolen I had attempts of people impersonating me with my information to open accounts over the phone in other loan companies. Discover is the only company holding me accountable of a debt done via identity theft. They have even stated they would sue me or find any means for me to pay a debt I did not make,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It took months to remove my PMI, because I kept getting different answers and Green Tree Servicing stating that they did not have a phone number for their escrow department. They said you had to mail everything in. Once I finally got the PMI removed in XXXX, I was still charge the PMI amount for XXXX & XXXX. They did an escrow analysis in XXXX and refunded me {$140.00}. I was told that this was for the overpaid amount on the XXXX PMI. I was told be a couple different representatives that I would receive a check for the overpaid PMI in XXXX in the mail. When I never received a check, I called back and spoke with a supervisor. She told me that in order for me to get the check back, I needed to do another escrow analysis even though I had just had XXXX done. The taxes have increased since then, so now they sent me a bill for {$190.00} and no refund of the PMI for XXXX. Every time you speak to someone, they tell you they ca n't help you and you need to write a letter to the escrow department. They have terrible customer service and keep telling you different things, so that nothing can get done. They used many stall tactics when I was trying to get rid of the PMI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-18
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have completed the payment scheduled for the vehicle loan based on the agreed monthly payments. The maturity date for the loan was XX/XX/XXXX. The final payment was made on XX/XX/XXXX, and the payment was deducted from my bank account for {$440.00} as scheduled, yet Chrysler capital still withheld my title. Then, the information I received from the customer services agent was that I owed the month of XX/XX/XXXX in the amount of {$440.00} plus {$22.00} in late fees. Also, they stated that I was XXXX days past due, which was incorrect. Further, Chrysler Capital charged me late fees during the XXXX pandemic from XX/XX/XXXX - XXXX, even when the Government asked many dealers to pulse payments. I have attached evidence of those charges, and I am asking Chrysler Capital to waive those fees charged during the pandemic. Also, applied payment made in the amount of {$440.00} on XX/XX/XXXX, which was the final payment for the loan. I made several attempts to resolve this matter directly with Chrysler Capital, but the customer services agents weren't friendly to listen to my explanation. Please, help me to investigate these unnecessary fees and am open for negotiation to be able to collect my vehicle title. Note that I have paid the principal and interest for this loan except for these excess fees charged here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a water claim in my home. My mortgage company ( Ditech ) has been extremely difficult to work with. They have held onto checks I received from my insurance company to the point where I have contractors very angry with me because I have not paid them. I can not pay them what they need without the checks from my mortgage company. Not only are they taking weeks to endorse the check and return it to me, they are also keeping a good portion of the checks even after the work has been completed by contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Navient forced me into forbearance after forbearance that I could not pay. Ultimately they forced me into paying my loan in full, to avoid legal action. Paying this loan of XXXX dollars in full put my family and I in a very tough position. To this day the late payments for the loan forbearance that I could not pay is on my credit. If I would have been given options or coaches on how to take care of this load I wouldn't have ever gotten into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
I overpaid Capital One by {$2600.00} and, after talking to an agent on XX/XX/2022, who assured me that it wouldn't be held against me if I cancelled the payment, I cancelled it. Regular payment was then automatically withdrawn, as usual. 
When requesting a credit increase, received a letter saying that a payment was returned, so was denied the credit increase. I called and talked to them, but was not able to get the matter cleared up. " Apologies for the mis-information that was given to you '' was all that I got from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX  directly however the company ignored my request.

Company response to consumer: Closed with explanation