BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Credit Card with Citibank. I made a purchase on the credit card for {$130.00} on XX/XX/2016 for a a commemorative XXXX. The XXXX received was not the XXXX advertised for sale. I made a disputed transaction with Citibank on this transaction because it was not the correct product purchased. 
I received a letter from Citibank dated Friday XXXX/XXXX/2016 asking for details of the disputed transaction within 10 days of receipt of the letter. I received this letter on Thursday XXXX/XXXX/2016. I completed the requirements of this request, signed and dated the return response on XX/XX/2016. 

I later received a letter from Citibank dated Tuesday XX/XX/2016 saying that the dispute was denied because they did not receive the complete response. This letter date was 4 days XXXX XXXX business days XXXX after the first letter and before I even received the original letter. 

So here 's the time line Fri XX/XX/2016 Citi date letter XXXX XXXX ) and request return within 10 days of receipt Tues XX/XX/2016 Citi deny the disputed transaction via letter XXXX XXXX ) Thur XX/XX/2016 I receive letter XXXX XXXX ) and provide requested details Mon XX/XX/2016 Mail this response back to Citi My complaint is obvious. Citi fraudulently made no attempt to investigate my claim of a defective product from a merchant. Their denial letter was dated 4 days ( XXXX business days ) after the the original request for information. This dishonest action obviously gives me no possible chance to satisfy their " investigation ''

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 2021-02-13
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:
my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Reporting incorrect and or inaccurate data and amounts.

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 2015-07-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank Best Buy Credit Card was not clear on how the payments towards their promotional balances ( 18 month financing ) were applied and were processed in a way that interests were accumulating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I lost my job several years ago and got behind on my Sears/Citibank account. They were charging so many late fees and additonal fees that I could n't bring my account current. They sent the account to several collections companies, and now filing a judgement to sue me. My information has be shared and sold to several collections companies, that I do n't know who actual has my account. A person came to my home when I was n't present to serve me court documents, I asked my maintenance man to tell them to send it certified, they stated it must be hand delivered. I need help with this that I can respond to the court/judge, but do n't have anything or anyone to contact.

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 2015-10-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I had a best buy card, on this card the XXXX XXXX was charging for services I asked to have removed, which they failed to remove and continued to charge the best buy card. Regardless, the charges they were requesting amounted to roughly XXXX dollars. Citibank, their credit card company, charged me XXXX in late fees XXXX during my dispute with the company, which amounted well above their initial charges. I was informed this was illegal. To get this matter resolved, I agreed to pay the past due amount which was {$52.00}???? They have since closed the card, but are still requesting I pay an additional late fee they charged the account after I paid. I sent a letter, and on the statement and check, it indicated if cashed the account was to be closed and paid in full. They closed the account but are still requesting I pay their fee. This company is corrupt, and if in fact what they are doing is illegal should be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In 2020, XXXX, I called CHASE to canceled my premiem accout service. This service asked me keep high balance in saving and checking account, if banlance coul n't reach bank 's amount, i will be charge {$25.00} per month from my checking account. I told customer service canceled it, and down grade balance to the minium level. But the crm just CHANGE the service, and charge fee is moved form checking account to saving account. It charge me {$200.00}, until the month i found my saving account was charged. 
I called CHASE CRM, asked refund and let them know they make mistake. But they made their FAULT AS A BUSINESS, they agreed to return my 4 months charge, others I had to wait theri responce. They said {$100.00} will return to my account, but it didn't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is reporting multiple late payments in XXXX and a recent late payment in XX/XX/XXXX. I have spoken with XXXX XXXX and was told they did not report any late payments in XXXX or anything recently, therefore, Experian reported incorrectly

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 2015-03-28
Company: ASTA FUNDING INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from Palisades Collection , L.L.C. today, XXXX XXXX for the first time and the notice is dated XXXX XXXX offering me Tax Season Discount Opportunity to pay account balance of {$8600.00}. According to the notice, XXXX was the original creditor. I have lived at my current address since XXXX and this is the first time I have been contacted about this debt. I also have a freeze on my credit since around XXXX and I have no collection on my credit report. I do not owe any debt that I have not paid. This collection agency failed to first write attempting to collect a debt letter. This collection agency failed to grant this consumer the opportunity to dispute the debt. This collection agency demanded payment whether or not this consumer in fact did owe this debt. I dispute owing the debt in question. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( Experian ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( Experian ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information Experian has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) Experian has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )

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 2015-04-17
Company: CITIBANK, N.A.
State: NH
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received a pre-paid XXXX card from XXXX as a rebate. The expiration date on the card ( XXXX 2015 ) was approximately 3 months after I received it. I used all but {$48.00} of the funds, but now that the card is expired it got declined when I tried to use it. XXXX will not issue me a new card for the remaining balance, or offer any alternative compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015 I received a bill of {$60.00} from Macy 's American express account. I informed the company the charge was fraudulent. I filled out a statement of fraud letter and mailed this to the company. I then received three calls a day from the collections department regarding non-payment. I informed them the charges were fraudulent and I should not be held responsible. The current date is XXXX 2015 and I continue to receive calls from the collections department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Theyve called me numerous times after Ive told them not to. Theyve also re aged my debt account by {$1.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: RANLife, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ranlife is reporting lates to you on mortgage account XXXX, there are no lates on this account. Ranlife changed the servicer from XXXX XXXX to to ranlife in XX/XX/2020 and closed the XXXX account, See the following documents : Record of my payments to this account vs Ranlifes record.copies of my bank account showing payments in XXXX and XXXX12months, XXXXthrough XX/XX/2020 of my bank account records showing on time payments.A dispute I made with the CFPB about this inaccurate record XXXX ... XXXX Ranlife did not reply. Ranlife actually changed the loan servicing from XXXX XXXX in XXXX XXXXI am disputing Ranlifes record made to XXXX, XXXX  and XXXX as it is inaccurateand damaging. I have contacted Ranlife about this but they have not taken any action.Additionally an additional payments was made in XX/XX/2020 and ranlife collected additional fees that I want restitutionfor. 
Thank You, XXXX ( please reply via email ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Citibank Visa card was compromised. The account was closed but a few small charges ( vending machine ) continued to come in. I notified Citi of these charges and they were taken off. Finally XXXX last fraudulent {$5.00} charge from a vending machine came in and was on the last statement I received from Citi. I called and they said they had already taken the charge off so I waited to see if that charge would be eliminated when they made the automatic payment deduction from my checking account. Indeed they did not remove it and are now seemingly unwilling to reimburse me for this money which by law they are required to do.

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 2021-02-13
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX - I DONT HAVE ANY STUDENT LOANS AND ALL THE ONES I HAD WAS PAID AND CLOSED

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 2016-01-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am currently on a modified payment plan that is very managable and I am able to pay ever month. I do not have any defaults with AES at the time becasue this plan is helping me. I called them today to see what my options are becasue I am able to pay this amount and keep them satisfied. They advised me that I have no options at the time and that after this year my payments will be going back to the normal amounts. I told them I will not and cn not afford that amount. They told me they can not do anything about it. I want to pay the loans but not a the crazy amount they want. There has to be some long time resonable payment plan that they can offer me because at this point they want me to go into default. How is this legal of them to say we can not help you and you have to pay this or default when I am trying to work with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

Thank you, 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 2015-10-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15 I was on vacation in Florida. My drivers ' license as well as XXXX credit cards and a debit card were stolen. The criminals went on a shopping spree to some of the best department stores and bought items that should have thrown up a red flag to anyone paying attention to their job. Multiple designer watches, multiple designer perfumes and colognes. Macy 's was XXXX of the cards stolen. I called their customer service to cancel the card that same night once I realized the theft. By then there had been multiple large charges to the card. Police reports were filed with XXXX different police departments in Florida, XXXX XXXX, as well as XXXX, Florida. Upon some investigation in the mall where some of the purchases were made I was able to see XXXX of the receipts that were signed by the thief at a kiosk vendor. It was not my signature. At that time I called Macy 's and asked to speak to a manager about the theft. No-one ever returned my call. I visited mall security just to let them know about the theft. They were apologetic but unhelpful. On XXXX/XXXX/15 once I returned from vacation I sent in the letter disputing the charges. I sent another letter of dispute on XXXX/XXXX/15. I have called Macy 's trying to resolve the issue multiple times, each time speaking to someone different and no-one is able to tell me the status or if they have even received my information. I have spent literally hours on hold just trying to reach a customer service agent. The charges put me over the credit limit which was {$2000.00}. Macy 's has since submitted those fraudulent charges to all the credit reporting agencies which has severely damaged my credit rating. I was a victim of identity theft and still feel as if I 'm being victimized by a system that does n't seek to protect its consumers. To get a credit card you have to submit quite a bit of personal information, and when someone fraudulently steals your card no-one even asks for an ID. All the other cards were addressed and those matters were resolved with apologies. I 'm now being charged finance charges for all those fraudulent charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: CA
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:
As of today, Experian has continue to leave inaccurate credit information on my credit report as reviewed on my credit report online. Several disputes have been taken but the request to remove an delete inaccurate information has continue remain my credit file. I have submitted a certified letter to Experian about the inaccurate information that is on my credit file from item XXXX XXXX. Experian can clearly see the information is not a match but has continue to leave fed loan on my credit report this is against the FTC. In result the inaccurate information does not match and a request to remove and delete this off from my credit report.

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 2017-02-07
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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