BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: Optio Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB as I am stunned and scared as my mortgage servicer, CitiMortgage denied my request for a loan modification because the FHA loan I have that is co-signed by my brother ( who quit claimed off the property XXXX/XXXX/14 ) also co-signed for a loan with his girlfriend with XXXX XXXX and that loan happens to be an FHA loan. That loan was taken out a few years after my loan so I can not understand why this is being held against me and CitiMortgage will not modify my loan because of this. I went online and pulled the FHA handbook guidelines refernece Handbook XXXX : XXXX stating this is the exception and not the rule. I tried appealing the decision and they came back today and stated my only option is short sale. I have nowhere else to live and I started working a XXXX job for the past year just to be able to afford this home. It appears from the FHA handbook an exception can be made considering I live in the home, my brother does not and we have a recorded quit claim deed. - XXXX Non-Occupying Co-Borrower. A non-occupying co-borrower on property being purchased with an FHA insured mortgage as a principal residence by other family members may have a joint interest in that property as well as in a principal residence of their own with an FHA insured mortgage. XXXX See HUD Handbook XXXX for additional information ). Under no circumstances may investors use the exceptions described above to circumvent FHA 's ban on loans to private investors and acquire rental properties through purportedly purchasing " principal residences ''. 

Considerations in determining the eligibility of a borrower for XXXX of these exceptions are the length of time the previous property was owned by the borrower and the circumstances that compel the borrower to purchase another residence with an FHA insured mortgage. In all other cases, the purchasing borrower either must pay off the FHA insured mortgage on the previous residence or terminate ownership of that property before acquiring another FHA insured mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a lot of unauthorized inquiries on my credit report. I am submitting this complaint due to the lack of investigation into my original dispute of the hard inquiries that does not belong to me. These inquires are hindering me from receiving future credit and I am requesting for these inquires to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: First Data Corporation
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Without admitting their error,  Telecheck Services ( w ho processes orders for  XXXX   ) sai d that " your account has been updated '' and re-submit the order in  XXXX  to  XXXX  days and it will be processed. For years, I have paid  XXXX  through my preferred bank account with    XXXX   XXXX    XXXX  -- and orders have arrived to my address. I placed an order yesterday and  XXXX  said it would be arriving between the  XXXX  and the  XXXX  of  XXXX . This morning I received an e-mail from  XXXX  saying that my bank had refused payment, according to Telecheck. HOWEVER, I called my bank and they affirmed no request for payment had come from  XXXX , that  TELECHECK had made an error because my account ( a large one ) would have immediately paid for the purchase. I have tried to get  XXXX  and  Telecheck  to tell me WHO made this error so it can be corrected TODAY. I have been referred to people with no authority to do anything by both companies. I have spoken to people in various countries who are difficult to understand. I am livid at the fact that I can not talk with ANYONE who has the real authority to TELL ME THE TRUTH AND STRAIGHTEN OUT THIS MESS. Both companies need to be FINED and consumers need to be treated HONESTLY by people with authority to correct errors!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: NV
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:
Experian has continuously failed to provide me with the method in which they are verifying and reporting inaccurate information on my credit report. I have submitted written requests over the past 6 months (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  ) inquiring about their methods of investigation, re-investigation, verification, and reportability. However, Experian continues to avoid providing me with the information requested and permitted by the FCRA.     I currently have an open complaint still showing (  XXXX  ), but have received notice from Experian that the alleged information is verified and it will not be re-investigated. I require clarity on the initial status of this complaint as there is now a discrepancy.

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 2021-12-20
Company: Experian Information Solutions Inc.
State: OR
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:
Experian started a fraud alert on my credit without notifying me that they did this. I spoke with a CSR and it was suppose to be resolved. I just got denied a credit account as Experian is showing a false credit history, the Fraud alerts that is still on the account and now they have made it so I can't log in. Unfortunately 3 years ago we did have to file bankruptcy which cleared all of our negative credit issues, Experian was notified of this and is still showing the delequint accounts and is refusing to resolve the issue. I have already spent many hours on this issue with them and they refuse to resolve the issues. This is criminal behavior to say the least.

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 2015-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used XXXX promotional checks from Citi for 0 % on balance transfers until XXXX/XXXX/2016 with a {$5.00} or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, Citi has mislead me as a customer as to what the offer really is. The manager and the representative could not explain nor wanted to help why I was charged % 5 and not 3 %. Citi is a misleading consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Collection Services is reporting a medical collection on my account from  XXXX   XXXX  in the amount of $  XXXX  {$2500.00} with a status date of  XXXX / XXXX / XXXX  and a date of first delinquency in  XXXX . This is inaccurate as it should have been filed with my full coverage medical insurance in  XXXX . I paid a co-pay at the time of the visit, as well. The representative from Credit Collection Services told me he did not have to provide me with a copy of the information showing this is a valid debt. I also called  XXXX  and they said that it would have been filed with insurance and did not have any information on this debt. Also, at the time of the hospital visit, I was told I could pay {$350.00} to not have this filed with insurance and there would be no additional bill OR I could have them file with my insurance. I chose to file with my insurance. This information is grossly inaccurate! As well, is n't the representative supposed to provide validation of the debt instead of telling me that he does n't have validation and is n't required to provide it? This is either an issue with  XXXX   XXXX  's billing/claims department or the insurance company and no one will resolve it!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with 1firstbankflorida for 10 years. XXXX each year I receive a review of my account In Febrary This year I received a notice dated XXXX/XXXX/2016 my escr escrow account was short {$570.00}. days later I received a notice that my escrow account was short {$430.00}. I phoned, spoke w/XXXX XXXX, and was told she would check into it but to pay the shortage ( created by a change in insurance company ) of of {$420.00} which I did. 
My next letter after check was received showed a shortage of {$280.00}. ( XXXX less {$420.00} balance should be {$12.00} ) ... and still another letter saying escrow was short {$290.00} which, if not paid by XXXX/XXXX/2016 would result in monthly mortgage payments of {$1200.00} rather than the XXXX projected. 
I was ( verbally ) told not to pay the {$290.00} by XXXX XXXX and now my records shows me owing that {$1200.00} rather than the {$1100.00}. My taxes were raised XXXX this year and insurance lower by {$100.00}. 
How can I owe this????? 
also one statement shows them paying {$810.00} for homeowners ( which was what my direct bill showed ) and their statement showed {$810.00} then {$89000.00} and the government XXXX shows they paid {$1000.00}, How can a bank have so many variations in their accounting? I do not trust their figures at this point and would like a government check on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported 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 2017-02-04
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.

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 2016-08-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.

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 2017-05-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AFTER XXXX YEARS I HAVE JUST NOW BEEN MADE AWARE OF A DEBT BY CITIBANK I DID NOT KNOW OF. BACK IN XX/XX/XXXX, XXXX I HAD A FRAUD ALERT PLACED DUE TO MY EX TAKING MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I 'M IN THE PROCESS OF REFINANCING MY HOME AND FOUND OUT BY LOAN PROCESSOR OF JUDGEMENT ON TITLE OF HOME. I WAS NEVER NOTIFIED OF ANY COURT PROCEDING ' JUDGEMENT AND DID N'T EVEN HAVE A CHANCE TO FIGHT IT. FROM XX/XX/XXXX TO XXXX I DID NOT LIVE AT THE HOME. PLUS I HAD BEEN XXXX IN XX/XX/XXXX AND AT THAT TIME LIVED WITH MY MOTHER. PLUS I FOUND AN OLD CREDIT REPORT OF MINE DATED XXXX OR XX/XX/XXXX AND THIS SAME ACCOUNT FROM CITIBANKXXXX HAD BEEN CHARGED OFF AND WRITTEN OFF FOR THE AMOUNT OF XXXX I DO N'T UNDERSTAND WHY XXXX MONTHS LATER THEY WOULD PLACE A JUDGEMENT ON SAID PROPERTY TITLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Ditech Financial LLC
State: FL
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 mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P &amp; I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P &amp; I and my credit needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from XXXX indicating that he was from an investigation dept for company PRG needing me to call them within XXXX hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called XXXX directly and they told me that they sold my debit to XXXX XXXX.

Company response to consumer: Closed