BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX ran my credit report and did XXXX hard inquiries during the same time frame which impacted my credit report. XXXX XXXX shared my credit report with XXXX XXXX and they did more hard inquiries. I need all the hard inquiries deleted from my credit report because they abused my credit report. The hard inquiries are negatively impacting my credit report and score. XXXX XXXX and XXXX XXXX abused the use of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have bank statements showing were I paid my XXXX XXXX private student loans serviced under AES ( American education services ). XXXX 2016. I received a 30 day late payment report on my credit by the XXXX credit agencies. I was granted a short term payment in XXXX 2016 for 6 months. The payment plan allows me to pay half of the XXXX private loans I have outstanding. My payments are due on the XXXX of each month. I have paid each month on time. My short term payment is now up and I am back to paying the full amount or each loans. I am not sure why they have reported that I was 30 days late when they took the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX has contacted me on XXXX separate occasions about a balance due on an HSBC-XXXX Bank Credit Card that was open sometime in XXXX and presumptively closed in XXXX. When I asked for more information about this past due account I am not provided any information. The balance in the collection notice states that I owe {$1300.00} but when I am told the balance is approximately {$2800.00}. I took sometime to contact HSBC XXXX -Bank about this account on XXXX XXXX, XXXX and learned that I have never had a past due balance nor has my account ever been placed in a collection status. Furthermore they informed that all HSBC-XXXX Bank Credit Cards were sold to XXXX XXXX in XXXX. I contacted XXXX XXXX on XXXX XXXX, XXXX at approximately XXXX and spoke with a customer service representative who confirmed that my previous HSBC XXXX Bank XXXX with a balance of {$1300.00} was purchased by XXXX XXXX in XXXX and was never sent to a third party collection agency. My account is still current open and in a good standing. Also when the account converted over to XXXX XXXX I was given a new account number to go along with the new XXXX XXXX Card. I spoke wit XXXX XXXX XXXX XXXX about this account again and informed them that XXXX XXXX and HSBC both confirmed that my account was never sent to collections. XXXX XXXX XXXX XXXX stated that my account has never been transferred over to XXXX XXXX and that they are demanding payment. They stated that they will take legal action in XXXX and request a judgement against me. I have asked them to cease further contact and I have sent them a letter but they are still continuing to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX claim.

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 2023-02-01
Company: Upgrade, Inc.
State: FL
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:
UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This is herby an official complaint regarding the deceiving and misleading billing practices with UPGRADE.com. 

I have had UPGRADE since approximately XXXX XXXX XXXXXXXX when I originally got the card the apr etc was told to me. A couple months ago I got something saying my APR rate was going down from the XXXX XXXX I used my line of credit couple times since then and it never happened. The rates they said I would have to pay monthly has kept changing.

Approximately two or three weeks ago I was notified without documentation my AVAILABLE limit was being reduced from XXXX XXXX to {$2800.00}. Now there website says Im overdrawn which Im not. The CREDIT AMOUNT was lowered Without any reasons like I stayed. I have called upgrade on multiple occasions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and promises were withheld. I have asked upgrade to CLOSE my account but they have failed to do this. 

I feel they have not lived up to therebargin and theAPR KEEPS GOING UP. Theyre charging me more interest when it shouldnt be.

I would like the following done : - A settlement amount I owed pre negotiated - My credit bureau report clearly shown I closed my account with the highest limit of XXXX XXXX 

I am willing to file a lawsuit if needed against upgrade including social media outbursts based on my experience Ive also sent a number of emails due to XXXX XXXX  but they have failed to be any use THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my disputeof items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute.According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Halsted Financial Services, LLC.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling me from XXXX and XXXX and they have called several times within a 10 minute period. Robo calls and repeated calls are against the law and I have to pursue legal action for every auto dial and robo call that has been made. The action is {$500.00} to {$1500.00} per robo call. I am requesting that they stop calling me before I sue for {$500.00} per phone call. This company did not send any validation as requested by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
I have a Citi XXXX credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in XX/XX/XXXX) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in XXXX every month, even when I have already paid over the required minimum with other payments.

I am in the midst of a divorce, and soon will not have access to the checking account that this persistent payment is being taken from. In XX/XX/XXXX, I attempted to get the payment removed since I'd set up a new and different automatic payment from my new checking account (ending in XXXX). The old scheduled payment can not be modified through the website, and numerous customer service reps I've talked through over the phone say that they have removed it and it is no longer visible in their system. On repeated calls after the scheduled payment was still listed as active on the website, I was advised to completely remove the checking account ending in XXXX from being listed on the account as that would prevent the payment from being taken. Despite these assurances, the payment was still taken out in late XXXX on schedule just as it had been for almost two years from the checking account that I do not want to be accessing.

Citibank should not be allowed to take money from a bank account that I no longer wish them to, they should not put the onus on me to call repeatedly to try and get it fixed, and should not give me assurances that they are addressing the manner when they are clearly not. They are wasting both my time and energy. The kicker is that after looking at my credit report, there is no record of any late payments on this card at all! I now question whether or not I was actually late on the card in the first place, and what Citibank's motivation was behind the initial phone call to set up this payment setup that they refuse to remove.

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 2017-01-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access my 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 explanation
Consumer complaint received 2015-06-18
Company: Residential Credit Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RCS the service provider rejected my Loan Modification Request on the basis that I did not provide them with documents in time. I disagree with them and am now resubmitting a brand new application. 
To ensure that MHA guidelines are followed, I am submitting a copy of my Loan Modification Request to CFPB. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Client was sued by Midland Funding in XXXX XXXX on an account stated. Midland Funding, in its complaint, stated that the date of default was XXXX XXXX. It also alleged that defendant last made a payment on the account in XXXX XXXX. When Client asked for discovery, she was provided with XXXX account statements. The final statement, dated XXXX XXXX, XXXX, states a {$0.00} balance. No evidence is provided that Client made a payment after XX/XX/XXXX, other than a single sheet of paper that looks like it was printed from Midland Funding 's own records which simply provides a summary of the account and says that the last payment was in XXXX XXXX. Client believes this case is barred by the statute of limitations and has several other affirmative defenses. There was also no substantive evidence provided that Midland Funding owned the account. 

This case is still ongoing despite the consent order issued earlier this month in which the CFPB was involved and which describes such behaviors as being illegal and directs Midland Funding and its agents to cease its wrongdoing. This case should never have been filed and appears only to have been filed in the hopes that Midland Funding could continue its abuse of our justice system to obtain a default judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Home Depot pushed their credit card on me when I bought a refrigerator from them, stating that it would be interest-free for six months. By the end of that introductory period, I had paid the initial charge of {$2400.00} down to a remaining balance of {$340.00}. On that statement, I was charged {$130.00} in interest. When I called home depot to inquire about it, I was told that it was interest-free for first XXXX months but after that interest would be charged on the entire initial amount of {$2400.00}. In other words, they were forcing me to pay interest on approx {$2100.00} that I had previously paid off before the end of the introductory offer. I can not believe that this is legal and think Home Depot is fleecing their customers. Please advise if this practice is in fact legal and what I can do about it. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-28
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
As I understand this issue, a student loan account was opened in 2004 for my continuance of education. During this time I had repeatedly tried to resolve the debt through settlement, however, CitiBank did not accept any terms and turned the matter over to a collection agency. The collection firm hired did not follow fair debt collection practices and was forced to remove the charge. CitiBank has now taken this matter a step further and not only have it showing on my credit as a closed/charge off account, but additionally a LATE payment since at some point they have assessed an {$8.00} charge to continue keeping this 10 year old debt matter active on my credit.

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 2016-12-06
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank advertised a {$400.00} bonus for new checking account customers. Having met all the terms and conditions, including the initial deposit and balance requirements, the bonus has yet to be deposited to my account after the 90-day timeline specified in the offer.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX has violated my rights via a UNAUTHORIZED credit inquiry on XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
None of these catagories fit my problem. I have a collection from a credit card company, XXXX, of XXXX. I also have a collection company, midland funding, with the same bill, That means I have XXXX negative entries for XXXX debt. i find this absurb that this can be done,. I only found out because of other mistakes on my report that i was having fixed and just happened to see these XXXX entries one right after the other. Surely this is illegal,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. 

On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.

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