BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX XXXX received a fraudulent collection notice from the Bay Area Credit Service for the collection of a debt for medical service rendered at XXXX ( XXXX XXXX XXXX ) room. This service was not provided, the bill is not valid and because of the facts below it 's highly probable that an Unauthorized Disclosure of Personal Identifiable Information has occured. The details follow : On or about XXXX XXXX XXXX the receipt of multiple falsified medical bills were delivered to the residence and I took action to correct the error. The bills were from XXXX, Emerald Coast Pathology Associates and XXXX. I spoke to the XXXX office and the XXXX former accounts appear to be resolved. Due to the fact the personal identifiable information provided to the staff did not match the information for the person that received care. However, for the XXXX fraudulent charge. I was informed to speak directly to the billing agents. I called the same day and provided the details of the charge and I was informed by the agent that the bill would be placed on hold and a return call would occur detailing the results of the fraudulent charge investigation. The same bill continued to be delivered and subsequent calle were made to address the fraudulent charges. I was told by the agency the charges would be addressed but a notice of collection was still received for services that were not rendered and can be verified easily by comparing and contrasting in close detail the personal information on the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I set up the paper bill from XXXX 's app, but never receive any paper bill from XXXX  XXXX XXXX. because of no receiving paper statement, I miss one payment in XX/XX/2020. XXXX 's app has a bug, even you have set up the bill statement to be mail, you will not receive any bill statement. I contacted XXXX, and they told me they have no error, and never investigate their application. by the way, XXXX cancel my credit card even if my credit card has {$0.00} balance in this difficult pandemic time.

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 2016-02-25
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away.

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 2016-01-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Received a credit card statement which indicates an increase to the credit card balance due to applied interest, despite a timely payment made for the prior credit card statement. No charges have been made on the card, as the card has been closed for over a year. Additionally, a prior payment should result in a slight decrease to the remaining balance due. I have suspected for some time that this credit card company is engaging in fraudulent practices to prevent consumers from reducing and eventually paying off their credit card balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I received a phone call from Phh informing me they were in receipt of a completed application.

Then I received a letter stating my account is in forclosure.

I informed PHH I can not afford to pay {$89000.00} for this property when I have already paid {$150000.00} of my hard earn money because tenants never paid me and I put {$50000.00} of my own inheritance money to fix this property up.

I tried to used the property as a XXXX XXXX XXXX but I never had the opportunity so XXXX XXXX in the XXXX went under water down hill. 

I would like for the investor to forgive this mortgage because I have suffered such a bad lost and spent all of my money just keeping my promise to help the banks out. 

I am also trying to getba loan for {$10000.00} to settle this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: DHI Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Green Square Company LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received daily calls to my cell and work number while I was in the hospital. When I returned the call, I first spoke to a representative who transferred me to a XXXX who was rude and hung up on me when I asked what this was in reference to. After being hung up on the first time I called back to speak to a supervisor who laughed at what happened after I explained to him and hung up as well. I called back the number XXXX and asked for a manager. After being put on hold numerous times, I had a lady who claims she was VP named XXXX XXXX who was being very rude with cutting me off and talking down to me ... they threatened legal action so therefore I called back and explain to mail me only any bills since in the past I have had my identity stolen and XXXX XXXX laughed again and hung up. These people are wasting my time harassing me without explanation or verifying HIPAA. My next step is to contact an attorney.

Company response to consumer: Closed
Consumer complaint received 2016-12-21
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Getting robo calls from this company stating my file has been sent to a litigation specialist for final review and further recommendation since I have not responded to them. I have no idea who they are. Never received proper notification via normal FDCPA requirements. Does n't state name of the company or any other info except to call if I want to include a personal statement on this file before further action is made.

Company response to consumer: Closed
Consumer complaint received 2016-01-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter stating that my account was being closed for no reason and I called in and I was not informed as to why my account was closed and restricted, I think it some type of bias treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: MO
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:
My car was totaled by the insurance company there were two separate claims. XXXX XXXX XXXX XXXX reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from XXXX to Experian including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by Experian even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam

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 2016-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. My wallet was stolen with all my personal documents. I reported the incident to the police and received a police report. on XXXX 2016 I noticed that there is information on my report that do n't belong to me. I filed a police report for that too. I sent all the documents to the credit bureaus XXXX, Equifax, and XXXX XXXX. the credit bureaus removed almost all the fraud accounts. Equifax is still reporting XXXX fraud accounts even due XXXX and XXXX XXXX deleted them and I did proof that it 's not mine by providing them with my XXXX police reports. Equifax is ignoring after I sent them everything they need as I was told by the FTC. I really need your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.

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 2016-07-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I placed an online order on Home Depot.com for a washer and dryer using my Home Depot credit card ( issued by Citibank ). My account at the time had a {$0.00} balance with just under {$6900.00} limit. Once I placed the orders, i received emails advising that the charges were declined. When I contacted Citibank, they advised that the charges were approved. When I then contacted Home Depot, they advised that the charge was declined. Neither Home Depot or Citibank have been able to advise me why the charges were declined and as a consumer, I have a right to know why the decline

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 2016-10-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the account.

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 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Disputed this account Several times over 2 years but always come back verified even if the account is not 100 percent accurate when XXXX  say the account is under collection & TransUnion say the account is Open, which is inaccurate and a violation under the FCRA & FDCPA Account Name : XXXX  XXXX  XXXX 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 2015-05-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Although I disputed the amount I was charged and complained of being overcharged, but continue to pay my bill ... ..I was charged with late fees and interest. I complained my bill was wrong and wonder what I was being charged, because I was told XXXX thing during the opening of my account then something different afterwards ( the bill came ) and I believe I did n't owe but a few dollars, with late charges and others fees the bill is now over XXXX! I tried to resolved this, but someone kept hanging up when I ask to speak with a supervisor. I called again and was told my account is now with a collection agency and there is nothing I can do about it, but pay!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Going through a divorce, my ex and I were unable to pay the mortgage for a few months. The house was sold in XXXX 2010 ( NOT A SHORT SALE ) and the mortgage was paid to Citimortgage PAID IN FULL. After the sale of the house, the law firm handling this case reported the pre-forclosure to the credit bureaus and do n't understand how a mortgage that was paid in full can go to foreclosure. I did not own this house at the time of the filing. CitiMortgage had an moral obligation to discuss the lawyer which they did not. In addition, Citi was part of a class action suit at this time regarding DEFICIENT MORTGAGE SERVICING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my latest credit report i noticed there is a company trying to collect a debt i have no knowledge of i have never signed a contract with them in person nor electronically nor any of there affiliates ever.

Company response to consumer: Closed with explanation