BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on XX/XX/XXXX 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.

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 2016-10-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
I was deceived about a promotional rate via chat with Citibank. I was told the promotion for purchases was already available on my account and no other action was required. I have now received my first statement and I was charged at the standard APR. When I called I did n't get any resolution. I spoke with several managers who advised the rate did n't even exist. I explained numerous times that I had printed the chat transcripts and I needed them to be pulled as proof that I was offered the promotion. I was also told chat agents are not authorized to provide promos that consumers must call to have offers activated. I feel like Citibank is using unfair and deceptive practices to entice consumers to use their card under false pretenses. I was never offer any resolution to my issue after to speaking to XXXX manager in a total of 2 hours. When I asked managers to pull the transcripts I was told I do n't work in chats so I do n't know if we even save those. I wonder how many other consumers were blatantly lied to and never even bothered to look at their statement cause they trusted their creditor. Also the Citibank website makes it very difficult to view statements if your enrolled in paperless statements and I 'm wondering if this is a strategic move to continue such abusive and deceptive practices.

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 2016-10-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good afternoon, I have a complaint against Wells Fargo Mortgage. My realtor submitted an offer two months ago. It 's been an ordeal. We have complied with every piece of information and at times sent documents two and three times to them. There 's a foreclosure date set for XXXX XXXX and we have a buyer, actually now a second contract. Yesterday, I asked to speak with a manager and all of a sudden one of the key documents appeared ( the appraisal ). After many attempts at reaching XXXX XXXX, the short sale agent, she sends an email now stating she 's waiting on the title and some sort of document because there was a variance on the appraisal. With all the hardship I have been encountering, at times I feel their intentions are " not too help '', but to foreclose. I need your assistance please in obtaining approval letter of the short sale and contract pending an removal of sale of my home so we can close at some later date on my property. 

I thank you from the bottom of my

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 2023-07-25
Company: EQUIFAX, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-14
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
Good Morning, I have a complaint about how discover card applies minimum payment every month. I have XXXX different interest rate that cover XXXX different balances. for example i have a balance of XXXX with a 14 % int, a balance of XXXX with 17 % int and a bal of XXXX with 21 % int. The XXXX balance is on older purchases and the 14 % is on new purchases. When they calculate my interest charge for the month, they have XXXX different interest charges from the XXXX balances. Each interest charge is added to the respective balance for example the int charge for the XXXX at 21 % is added to the XXXX balance. However, when I make my min monthly payment which includes the interest charged on all XXXX balances, the min payment is applied to the balance with the lowest interest rate. That means the balance with the high interest rate keeps going up and I am charged interest on top of interest for the following months. The min payment should be applied to all XXXX balances. Meaning interest charged at 22 % should be subtracted from the min payment because the min payment includes the interest charge for that month. This is a deceptive practice that discover card is practicing and has been practicing for years. It will take a lot of math to calculate how much I have lost due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2023 Navient XXXX XXXX XXXX XXXX XXXX, PA. 
XXXX To Whom XXXX XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VERIFICATION made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA. I nicely request that you provide me with competent evidence that I have any legal obligation to pay you. 

Please know that if you have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action will constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company, I will bring legal action against you for violating my rights. 

Furthermore, according to 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information ( 1 ) In general A financial Institution may not disclose nonpublic personal information to non affiliated third party unless : A : such financial Institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C : the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If you fail to respond to this validation request within 30 days days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I advised Experian debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent XXXX XXXX XXXX a debt validation letter over XXXX days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with Experian after not receive debt validation request and was advised information was accurate

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 2016-04-30
Company: DISCOVER BANK
State: AZ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened Discover Online savings account as per the promotion mentioned in XXXX. Everything was done properly and after meeting the terms and conditions ( opening the account by XX/XX/XXXX and depositing $ XXXX before XX/XX/XXXX ) - I was awarded {$100.00} as cash back bonus. At the time of account opening process ( as i had the discover credit card ) - it simply asked me all the information ( userId, password of discover card to login ) so that it can auto fill all my information. Even after that i was given XXXX user id-one for credit card and another one for discover bank account? Why?? It 's not the case with every Discover card member. When i called today during XXXX to XXXX pm - i was told it is due to security reasons ... that was absolutely wrong answer ... are remaining millions of discover customers not secure. My other problem is - i tried to do the transfer of {$15000.00} to my XXXX checking account and that transfer was scheduled also ... but then Discover send me an email that they are suspending my funds transfer facility ... i should call at this # XXXX to reactivate that. I was told that they are 24 X 7 ... when called today during XXXX to XXXX XXXX ... after going all the validation questions ... the customer service person told me that i need to call tomorrow as the team which is suppose to talk to me is gone for the day?? why discover is lying here ... why they are saying 24 x 7 when they are not? i asked them to call me when they can ... later i asked them to close the account and send me the money into my account by check at my registered mailing address ... .she refused for that also ... telling that unless that team will talk to me ... they ca n't close the account either ... this is unacceptable ... neither they are providing good service nor they are letting me have access to my own money in the name of security and other useless reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: SANTANDER HOLDINGS USA, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account was paid and closed out. 
Credit bureau still reporting balance and status as deogotory. Credit report contain incorrect active dates and balances and active status. I will attach below proof of I corrected items.! Please let company know to send and upload any information they have that can justify there response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
An authorization appeared on my account for {$400.00} on XX/XX/XXXX for XXXX. I immediately, that day, started a dispute. I called XXXX also, they verified it was fraud as well. The bank paid the disputed authorization anyway the next day. They refuse to provide a provisional credit without their paperwork filled out and returned to them by XX/XX/XXXX. As of today, I still have not received the paperwork. Everytime I call, I get a different story of what they are waiting for and why. I need the money back now. 
Bank name : Fifth Third Bank NA card type : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Avadyne Health Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon reviewing my credit report on XXXX, I notice that there was a medical bill that DOES NOT belong to me, but somehow made its to my report. I contacted the collection agency and they advise me it wasn't an issue, but its an issue for me and I need it gone my report. This medical bill belongs to a XXXX XXXX AND LIVES XXXX XXXX XXXX XXXX, XXXX  XXXX. I have NO relation this address nor name!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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 2017-01-10
Company: Eastern Management Group LLC
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company was dishonest as to stating they were following all guidelines required by the FCRA. Company is still in violation of Sec. 1681a. Definitions ; rules of construction which states The term Consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments consist of experiences between cras and consumer which are prohibited by the FCRA as provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline 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