BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
APPROX 3 YEARS AGO, I PURCHASED HOUSEHOLD APPLIANCES FROM BEST BUY, TOTALING OVER {$3000.00} : I TOOK ADVATAGE OF A PROGRAM BY THE STORE WHERE I WOULD FINANCE THE TOTAL PURCHASE WITH NO MONEY DOWN, AND NO INTEREST IF MADE REGULAR MONTHLY PAYMENTS, OVER A PERIOD OF 36 MONTHS. TO QUALIFY, I HAD TO AGREE TO OPEN A CITIBANK CREDIT ACCOUNT. I ACCELERATED THE PAYMENTS AND PAID OFF THE LOAN IN LESS THAN 2 YRS. ABOUT A YEAR AFTER PAYING OFF THIS LOAN, I ALSO PURCHASED A NEW COMPUTER FOR ABOUT {$500.00}, AND AGAIN PAID OFF THE LOAN WITH NO INTEREST IN FAR LESS THAN THE ALLOWED 36 MONTHS. I WANT TO POINT OUT THAT HIS ACCOUNT WAS NEVER USED BY US FOR DAILY OR WEEKLY PURCHASES-IT WAS ONLY USED AS FAR AS I RECALL FOR THESE XXXX PURCHASES. I HAVE NOT HAD A BILL FROM THE CITIBANK-BEST CREDIT CARD IN MORE THAN 18 MONTHS. YOU CAN IMAGINE MY SURPRISE WHEN I RECEIVED A CREDIT CARD BILL FROM CITIBANK FOR {$660.00}, FOR XXXX SEPARATE SUBSCRIPTIONS TO A SPORTS CHANNEL. I IMMEDIATELY NOTIFED ; THE CREDIT CARD COMPANY THAT THIS CHARGE WAS FRAUDULENT. CITIBANK SAID THEY WOULD BEGIN AN INVESTIGATION-THAT WAS NEARLY A MONTH AGO. TODAY, I RECEIVED A SET OF QUESTIONS WHICH I WAS HAPPY TO ANSWER AND REPLY. WHAT I OBJECT TO WAS A LETTER IN THE DOCUMENTS INFORMING ME THAT THIS CITIBANK ACCOUNT WITH BEST BUY HAD BEEN CANCELLED AND I AM NOT BEING OFFERED A NEW ACCOUNT. THIS IS OBVIOUSLY A CASE OF FRAUD AND CITIBANK 'S FIRST REACTION IS TO DENY ME CREDIT BECAUSE EITHER MYSELF AND THE CREDIT CARD COMPANY HAVE BEEN DEFRAUDED. FURTHERMORE, A MINIMUM OF DUE DILIGENCE COULD HAVE CAUSED THIS PURCHASE FROM BEING MADE -- A CARD HOLDER, WITH NO PREVIOUIS USE OF THE ACCOUNT, ALL OF A SUDDEN RUNS UP OVER {$600.00} IN PURCHASES-ALL ON THE SAME DAY, AND ALL FOR THE SAME SPORTS CHANNEL.

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 2017-03-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Macy 's Credit Card, part of Citi Retail Services, routinely sends statements well past their due date, sometimes not at all. I had a payment due on the XX/XX/XXXX, I just got an email today on the XX/XX/XXXX that my statement was ready. I never received a statement last month, so now I have a late fee I have to call and argue about. 

They purposefully exploit the paperless statement system. I 've had issues in the past where I never received a statement, and had to call and argue with them to remove the late fees etc ... They know about this issue, yet nothing changes. 

This is definitely intentional. It makes zero sense that an electronic statement should be coming a full week after a payment is due or not 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 monetary relief
Consumer complaint received 2021-03-07
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Around XX/XX/XXXX I requested the closure and distribution of IRA CD Account Number XXXX.The amount distributed was {$12.00} less than the balance of the account on XX/XX/XXXX. I was not notified about the reduction and reason. The deduction was for excess payment of interest in XXXX & XXXX. 
Upon research I learned due to system problems the interest posted every month in XXXX and XXXX was incorrect, therefore the yearly detailed statements I received for XXXX & XXXX are incorrect. I am entitled to correct accurate statements for XXXX & XXXX and requesting a detailed statement for both years showing the interest each month. The statements I received for both years are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: SD
Product: Credit card
Issue: Other

Complaint:
Applied and was approved for Citi AAdvantage Platinum Select World MasterCard. 
Incentive was XXXX XXXX XXXX AAdvantage Miles to be credited to existing AAdvantage account for opening account. 
Credit Card Terms & Conditions make NO reference to a requirement for {$3000.00} to be spent on the credit card within three ( 3 XXXX months. 
In fact, impossible to find any reference to this specific conditions on any documentation provided by Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted in XXXX of XXXX from a company by the name of XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, TX XXXX for the collection of credit card debt, the representative 's name was XXXX XXXX. The contract/settlement agreement was for {$2100.00} from XXXX until this amount was paid in full. I provided my bank account information allowing an auto draft of {$75.00} to be deducted each month. This company informed me that I would be notified once the debt was paid. This did not happen, this company collected an additional {$1200.00} from me, which resulted in having to close my account, and report this to my bank as fraud. I did not discover this until XXXX of XXXX. I was completely taken advantage of and exploited. All I was trying to do was settle this credit card debt out of court. I tried multiple times to reach out to this company, however ; they no longer exist. This is a violation of my consumer rights and I need to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
My balance was paid in full on XXXX/XXXX/2015 resulting in a balance of {$0.00} and interest was charged on XXXX/XXXX/2015 even though the balance was {$0.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had XXXX ( XXXX ) Collections that were placed with Fredrick J Hanna and Associates in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called Frederick J Hanna 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at Frederick J Hanna that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named XXXX XXXX and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Falls Collection Service Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage payment and applied for assistance through the mortgage lender and was approved for a forbearance plan. I was also advised by my single point of contact, XXXX, to apply for HHF ( Hardest Hit Funds ) due to being unemployed, which I did ; and was approved. However, trying to reinstate my account to bring my account completely current and make full payments going forward, they have refused to cooperate because they are not participating in the HHF program through my state XXXX Arizona XXXX. I believe Freedom Mortgage would prefer me to make reduced payments in lieu of reinstating the account so they can foreclose on my home once the forbearance plan is completed. Once complete, all reduced payment amounts would become due at once, making it nearly impossible to pay in a lump sum once I regain employment, forcing my hand to apply for mortgage assistance, inevitably resulting in more fees, higher probability of default and foreclosure. I have escalated my concerns and request to management and spoke with a XXXX ( XXXX, ext XXXX ) who advised he would see if management could make an exception, but did not want me to contact the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: DISCOVER BANK
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: MO
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:
Initial CFPB complaint : XXXX XX/XX/XXXX was filed against XXXX and Equifax, XXXX is a collection agency that was contacted by XXXX XXXX XXXX XXXX for a loan that was already paid off. They ended up on my credit report anyway. 

XX/XX/XXXX response verbatim from XXXX XXXX c/o XXXX on that complaint : ... acct was received by TXXXX XX/XX/XXXX, XXXX reported paid XX/XX/XXXX ( believe he meant XXXX ) TekCollect notified XXXX  Equifax and XXXX  to DELETE this acct from this consumers credit files on XX/XX/XXXX. Today XX/XX/XXXX again notified Equifax to DELETE this acct. We have confirmed acct DELETION by XXXX and XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX HAS NOT DELETED NOR WILL THEY REINVESTIGATE THE DISPUTE XXXX ON MY CREDIT REPORT. THIS IS A VIOLATION UNDER FCRA 15 U.S.C ss1681e ( b ) ; AND FCRA 15 U.S.C ss1681i.I HAVE REPEATEDLY TRIED SEVERAL TIMES. 
I DID MY PART. 
XXXX DID THEIR PART. 
TEK-COLLECT DID THEIR PART. 
SO AT WHAT POINT IS EQUIFAX TO BE HELD ACCOUNTABLE FOR JUST ALLOWING SOMEONES INFORMATION TO JUST SIT IDLE & FLAT OUT REFUSE TO FIX IT? ITS UNACCEPTABLE. I AM 1 OF MANY CONSUMERS THAT IS HONESTLY WORKING HARD AT REPAIRING MY CREDIT ON MY OWN, SO REPEATEDLY TRYING TO DISPUTE THE SAME THINGS IS DEFINATELY NOT OK. I DO NOT HAVE THE TIME. NOR THE PATIENCE. BUT IF ATTORNEYS NEED TO BE HIRED AT SOME POINT TO REMOVE THINGS FASTER, THEN SO BE IT. I AM TIRED LIKE MANY PEOPLE. EQUIFAX HAS HAD AMPLE OPPORTUNITY & SEVERAL NOTIFICATIONS TO DELETE DELETE DELETE DELETE THIS. WHY IS IT STILL ON MY PROFILE? I WOULD LIKE TO KNOW. I EVEN HAVE A LETTER AFTER THE LAST CFPB COMPLAINT FROM TEKCOLLECT AS PROOF & THIS IS STILL ON MY PROFILE WHY? EQUIFAX WHY? I ALWAYS HAVE AN ISSUE WITH EQUIFAX VS THE OTHER BUREAUS ON REMOVING SOMETHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: DISCOVER BANK
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Discover Bank has messed my account up once again by not talking to me as customer and has closed my account out without explaining any issues or talking to me as a customer. This bank has been absolutely horrendous. I have never had so many issues with a bank or been so disrespected in my life. This bank has no regard for me as a customer and will try to count my account as a charge off after denying me multiple amounts of information. Not accepting information that was sent to them. I spoke with the bank today XX/XX/2017 at XXXX by XXXX all access to my account was shut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is related to a previous complaint that I filed, # XXXX. I received a response from M & T bank which did not address any of the concerns I raised or provide any information that I requested, which I have attached. M & T has informed me that I am required to comply with their policy compelling me to provided personal information, but yet refuses to provide me with that policy. I have expressed concerns about the security of any information I provide and if that information will be shared with external agencies. A representative of M & T has verbally told me that my information is for internal use only but will not but that assurance in writing. I have asked for specific law citations that require me to provide information, but M & T refuses to provide me any citations, but has continually provided me general references in response to my numerous inquiries. M & T has continually provided false and misleading information to me throughout this ordeal and has repeatedly threatened me with the closure of my accounts if I do not comply with a policy that they refuse to provide that is based on laws that they refuse to cite.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was paid in full on XX/XX/XXXX by cashier check. As of XX/XX/XXXX i have not received my title. I did receive a letter from Ocwen Servicing that the loan was satisfied. I need help getting my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: First Associates Loan Servicing LLC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Notice of Change of Interest Rate On XXXX XXXX XXXX, the Federal Reserve announced their decision to increase the US Prime Rate by 0.25 %. All Peaks loan contracts includes a variable rate tied to this index and therefore, effective XXXX XXXX XXXX, interest rates increased by 0.25 %. The increase in the interest rate will cause your payment to re-amortize resulting in a slightly higher monthly payment which will take effect for any payments which billed after XXXX XXXX, XXXX. 

www.peaksloan.com.

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 explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date 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 2016-11-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hello, I HAVE NEVER STAYED AT XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, I TOLD PERSONS ABOUT A PHONE OR SOMETHING THEY HAD ME THERE FOR I ' VE NEVER LIVED THERE OR DO THEY HAVE MY SIGNATURE ON ANYTHING AT TIME THERE TALKING I WAS IN XXXX DRAWING UN EMPLOYMENT.I WANT THAT ADDRESS AN REPORT TAKEN OUT MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MORTAGE LOAN WITH QCWEN nUMBER XXXX AFTER NUMBEROUS REQUESTS FOR MODIFICAITON DUE TO HIGH INTEREST AND FALLING HOME VAHOME VALUE THE COMPANY STATES IT IS A SERVER AND CAN NOTHELP ME DIRECTLY BUT SUBMITE MY REQUEST TO LOAN HOLDER. IWANT OCWEN TO COMPLY AND HELP ME STAY IN MY HOME. I BUILD THE HOME IN 1983 WITH A LOAN FROM MY DAD. HAD TO GE A PREDATORY LOAN FOT PYA PAY FOR MEDICAL COAST ASSOCIATED WITH CARING FOR A XXXX PERSON OF 16 YEARS. I TOOK THE LOAN IN AT 9.75 % ( XXXX TIMES THE NATIONAL AVERAGE. ) i REQUESTED MOTIFICATIONS AND REINSTATEMENTS NUMVEEADLY NUMEROUS TIMES. mY HOME WENT DOWN IN VALUE AND MY COST AND WHAT WAS OWED WENT UP. I NOW OWE MORE THAN WHAT IT IS WORTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
This is regarding OCWEN. In the last couple of years, I was granted a loan modification due to less income in the home because of my divorce. I passed the three month trial period, and OCWEN instructed me to wait for my new contract to sign. I was told everything was good to go. I waited and waited. The new agreement never came. I spoke with so many people regarding where this agreement would be. My " relationship manager '' informed me it got lost in the shuffle due to OCWEN changing hands, etc. Him, and also HIS manager, informed me it was coming, and do not make any payments until it is signed. It still never came. The next letter I received from OCWEN stated they were foreclosing on me because of this. Again, OCWEN would still not accept any mortgage payments from me! I spoke with a couple people that work in the escalations department, many " relationship managers '', and my attorney has even spoke to many people there to help me with this situation. It now appears that I have not made my mortgage payment for quite some time. My attorney spoke with someone there, who looked at my past situation and admitted that OCWEN had indeed made the mistake. She told me to fill out modification paperwork and this would all be taken care of. That OCWEN would figure a way to add my missed payments to the end of my loan or make higher monthly payments to make up for what I have missed, since this was the fault of OCWEN. Finally, I thought this was all getting resolved. However, you guys stated I do not make enough money in the declination letter. My attorney even verified I make enough to keep this house and enough to continue making mortgage payments on my home. I am a single mother with a good paying job and I want to keep my house. I honestly feel this was not my fault. OCWEN even admits it was their mistake. No one will work with me or even my attorney. I am terrified.

Company response to consumer: Closed with explanation