BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm sending this complaint to Consumer Financial Protection Bureau because on XXXX XXXX and XXXX XXXX, 2016, though I had never charged {$1900.00} on my new CITI credit card, some Unknown CITI Investigator - or process - had entered that unauthorized {$1900.00} charge - and now, since I 'm refusing to pay, CITI will : 1. After Friday, XXXX XXXX, expect their " Fraudulent {$1900.00} Ransom Charge '' ; 2. After Friday, XXXX XXXX, expect interest on their Fraudulent Charge ; XXXX. On XXXX XXXX, charge an outlandish interest rate - 29.99 % as a penalty ; XXXX. On XXXX XXXX, charge late fees as a penalty. 

Since COSTCO 's XXXX XXXX, 2016 transition from an XXXX card to a CITI XXXX card, I - an XXXX year old -- have been dealing with financial torture - and COSTCO is at the center of it all. 
XXXX claims that it sent a {$1900.00} FRAUD case on my account to CITI - but CITI refuses to accept it as fraud. If we had stayed with XXXX, they had promised that by XXXX XXXX to totally remove that value from my account. 
But on XXXX XXXX, 2016, CITI in 2 separate letters on that same day blamed XXXX - and my wife while without remorse posted a {$1900.00} FRAUDULANT VALUE on my new XXXX account - and that value is greater than my monthly Social Security check. 
When CITI accepted the hand off of charges from XXXX, XXXX had already flagged that {$1900.00} as unauthorized and removed it from my balance - but on XXXX XXXX CITI improperly posted that value as authorized - and so, CITI ca n't seem to honestly address their accounting issues, which has put us in an uncomfortable financial tight spot. 
As far as I 'm concern, CITI has twice committed an act of Fraud - and COSTCO has been a behind-the-scenes compliant party to this financial fiasco - and what I consider unethical acts. 
If COSTCO had asked us whether we wanted to move from an XXXX card to a CITI VISA card, we would have stayed with XXXX because we have another XXXX card, which causes me some confusion. But COSTCO never gave us that opportunity of choice. COSTCO decided to move their consumers from XXXX to CITI 's XXXX card without any consideration of us. 
Now, after COSTCO behind closed doors collaborated and made some unknown agreements with XXXX, CITI, and XXXX, on XXXX XXXX, 2016, COSTCO just dump the untested consequences of their efforts on their members, which has caused me to waste too much time and energy in dealing with the mayhem of XXXX credit cards not working ; of twice needing to have credit cards reissued ; of being unable to reach CITI for many days - and of being unable to close XXXX FRAUD CASES because we never knew what COSTCO had agreed to with its cohorts.

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 2016-06-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been associated with a XXXX XXXX who lived or lives in XXXX XXXX, Michigan for years and believe it has had a negative impact on my report. Also some birthdate saying I was born in XX/XX/XXXX. I would like an explanation for this and what it is this person in XXXX XXXX is doing on my credit report, and would like it removed.

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 2020-01-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I rented an apartment at XXXX XXXX XXXX in XXXX XXXX, California. The leasing agent, XXXX, who represented XXXX XXXX XXXX took {$800.00} of mine stating it was for XXXX cat fees of {$400.00} each cat and deposited it in her personal account as told to me by a detective in the XXXX XXXX Police Department. The eviction notice was also tampered with because my copy stated the day before the sherriff 's office copy resulting in loss of property. I contacted XXXX XXXX and they refused to respond. They sold this to Genesis Credit Management LLC and there is {$11.00}, XXXX that they state I owe for breaking the lease. I can gaurentee you that apartment was rented less than 1 week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions 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:
There are several discrepancies that are showing on my credit report that and five by student loan 's. Each credit report is showing a different amount I need all of them to reflect the lowest amount and I 'm also requesting not Verification but validation.

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 2020-09-03
Company: AmeriCollect
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: Account information incorrect

Complaint:
I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced, loan was paid off XX/XX/20 with Bank of America ( BOFA XXXX I paid my monthly mortgage in the amount of {$2600.00} using auto pay through BOFA. Auto pay was not stopped, subsequently another mortgage payment was released on XX/XX/20 to my closed BOFA mortgage account. From XX/XX/20 to XX/XX/20, Ive made numerous attempts by phone and social media to receive a refund and Ive received NO HELP. Ive called their customer service at XXXX XXXX XXXX numerous times and that was unsuccessful. I also initiated a complaint on XXXX with their Mortgage servicing Escalation Team on XX/XX/20. Per their request, I provided, my name, property address and telephone number and was told they would be happy to connect with me. I was assigned a Specialist on XX/XX/20. I have followed up about 4 or 5 times and I get no response as of XXXX. Thank you very much for your help, I look forward to hearing from you.

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 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My TransUnion credit bureau was pulled by  XXXX   XXXX  Co on both   XXXX   and   XXXX   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2020-01-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: GLA Collection Company, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX accused my daughter of breaking lease and charged us for entire lease duration. When I called to disput the amount, they said they would not work with me and immediatly turned me over to glc collections. I went to court as should have been done originally, this was a dispute over lease issues and has to be settled in court first. I won the judgement and was awarded money for damages. The original amount was XXXX off since XXXX was guilty of code violations and of double dipping- they had rented residence out already. XXXX has settled and GLA still will not remove collection.GLA did not investigate and show due diligence in accepting this debt. XXXX has admitted guilt by losing lawsuit and paying, so in effect there can be no collecyion since the wrongdoing was not my fault.I have contacted them and they have not responded. I want this off of all XXXX Credit Reports, since they never should have been there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account within 3 statement periods of meeting the requirements ( which was completed in XX/XX/XXXX ). I expected the points to post by XX/XX/XXXX. 

Since signing up for the account, I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. Now I have {$90.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. 

Citi did an investigation into the matter, and said that I am not eligible for an XXXX XXXX advantage promotion, which is not the promotion I signed up for. Citi 's Customer Service department has been professional ( at best ), and ignorant ( at worst ) about their own policies. Their IT and account management department is clearly not capable of tracking what promotional offers their new account holders sign up with, let alone be able to answer the questions they ask when following up.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried twice in the past six months to get my free credit report from Experian. I tried online and sent hard copy request to no avail. 

I finally gave up, but recently discovered in the lease of a new vehicle, that Experian Provided incorrect score to dealership that was about 100 points lower than my XXXX  and XXXX  scores.

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 2020-08-13
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. The account was paid and I no longer owe any debt to the collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
I recently received a notice from a collection agency that said I had an outstanding balance on my Macy 's Credit Card. I have not used this card for in over a year and have always paid the balance. When I contacted the company they informed me that they did not have the correct address or phone number for my account. Although the Collection Agency did not have any problem finding my address. I told them that I had move over 6 years prior. I have never received any notification from the company that there was a balance of $ XXXX was on my card since XXXX 2015. They now say I owe them {$250.00} in late fees and interest. They indicated that they never received the billings that were sent back. I did not receive any billing or I gladly would have paid the {$37.00} which I offered to do in my letter that was sent as a dispute. They denied my dispute and say I still owe them for a bill I never received. Citibank has not been reasonable in trying to resolve my issue.

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 2015-10-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. 
Said my credit would get a negative report if I did n't pay electronically. 
XXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. 
I am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. 
I agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! 

I was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I'm sorry but I have to file another complaint against the credit bureaus even though I just filed one last month. I mean seriously guys XXXX! The credit bureaus response to me after letting you know they didn't address my dispute letters since XXXX is to tell me to " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. '' Is this a joke? And that is only the credit bureau that responded. The other two haven't! I submitted two different letters to each bureau with very specific disputes and concerns. I'm uploading them so you can have proof. This is yet more proof that the credit bureaus are just ignoring me and treating me like some XXXX XXXX. I want these accounts deleted NOW! The credit bureaus already had their 30 days times 3 and almost a fourth time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ProCollect, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Valentine and Kebartas, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I receipted the debt from net credit when I run the credit report and find out I own {$5600.00} from XXXX. I did the report the identity theft to police and send all the paper work to net credit, credit report company, I still receipted the debt from net credit that I have to pay. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation