BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: Abbott Osborn Jacobs PLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am in receipt of communications from a Law Firm Named Wetsch, Abbott, Osborn, XXXX and XXXX LLC. They are representing XXXX XXXX XXXX. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. 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 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was prompted to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a XXXX account and scheduling two bill payments from the newly opened account. XXXX Citi ThankYou points equals {$400.00} in gift cards as stated in the terms and conditions I received when opening this account. 
After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
On XXXX XXXX, 2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I initiated an online chat via the Citibank website with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. Case number XXXX. 
On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 
On XXXX XXXX, 2016, I spoke with XXXX at a Citi call center and she informed me that the offer in question requires the original bonus mail insert, which would have been sent out 6-8 months ago. 
It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. Since I disposed of this mailer after opening my account, XXXX said that her options were exhausted. 
On XXXX XXXX, 2016, My appeal was denied. I appealed again. 
On XXXX XXXX, 2016, XXXX at the Citigold customer service department acknowledged my appeals and attempted to submit my case to the Escalations Unit. She apologized for my experiences and said that many other clients are in the same situation. 
XXXX explained that she was unable to do anything for me other than open an investigation, which was done several times without a positive outcome for me. XXXX promised to keep my contact information and contact me if anything changes. Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 
Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have disputed the account with Capital One via the consumer reporting agencies on XX/XX/XXXX. The infromation came back verified and updated. 

Recently I have pulled my consumer report and noticed that Capital One has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. 

Capital One has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Capital One charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. 

I have reasonable cause to believe that the information furnished by Capital One is inaccurate. I also have reason to believe Capital One is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Capital one is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). 

I am also aware that if Capital One has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain.

Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).

The following account ending in 6099 with the balance of 763.00 is to be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Student loans are in deferral. Transunion is still reporting incorrect monthly payment amounts, monthly payment for all 4 loans is supposed to be {$0.00}. I have disputed this with their office at least 3x now and provided documentation as well to get this cleared up. They have n't corrected it after disputes and documentation proving what i was saying.

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 2021-11-18
Company: Credit Corp Solutions Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XXXXCredit Corp. Solutions published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for XXXX years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Michigan Mutual, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX 2017 underwriters at Michigan Mutual and an underwriter at XXXX XXXX  interpreted guideline B3-6.06 of the XXXX XXXX selling Guide, under the heading " Property Settlement Buyout '' to imply that the buyout must be " court ordered ''. 

Because it would be illegal for any government agency to order an American to buy something, by definition, a settlement buyout can not be court ordered. 

I have tried many times to speak with someone with authority at XXXX XXXX but apparently the public does not have the right to do so. I have only been able to speak with representatives at XXXX XXXX that tell me they have no authority, and they insist there is no way that i would be allowed to speak with anyone who does.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a hardcopy letter and payment receipt to my Mortgage company ( LakeviewXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 stating that I had already paid my property taxes for whole year ( paid in full {$840.00} on XX/XX/2022 ). I never received any reply or acknowledgement of my letter. I received an email on XXXX XXXX, XXXX  stating that a disbursement was made on my behalf for {$420.00} to my property taxes. I sent an inquiry as to why a payment was sent after it was already paid in full. I never received a reply. I called and resubmitted my inquiry on XXXX XXXX, XXXX  via their online inquiry page. I received an automated reply stating that my inquiry was being sent to the proper department for review and should receive a response soon. However, today is XX/XX/2022 and I still have not received any reply from this company! I have had the same problem with this company for the last three years. I have asked to remove the Escrow and just allow me to pay my property taxes and homeowners insurance on my own, which I already do anyway. In the last two years, I have had my homeowners insurance policy cancelled and I had to call to reinstate them because my Escrow sent the payment, but not with enough time to process a " bulk '' check to the company. I asked why they were still sending paper checks and " bulk checks '' instead of handling my payments electronically, or paying them directly from my Escrow to their company to avoid termination of my policy for not getting their " bulk check '' out in time. I never received an answer to that either... 
I have asked to remove the Escrow altogether because they are doing a poor job with taking care of things or following instructions. A mishandling of my money and time! I was told they couldn't remove the Escrow unless we had paid off a certain percentage of the loan. We have refinanced twice with this company and each time, they still XXXX something up. Since I am not worth the courtesy or a return phone call, a return email, or a follow up correspondence letter, I am filing this complaint now. I am tired of being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I can not write out my problem as this XXXX website does not allow time for me to type it. I am aone XXXX XXXXXXXX veteran!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A - States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
purpose I have not given XXXX XXXX nor TRANSUNION the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on 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 non-monetary relief
Consumer complaint received 2019-12-12
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I checked my online checking account with Webster bank and noticed in amount of {$67.00} taken out of my checking. It showed a purchase date of XX/XX/XXXX. And a cleared date of XX/XX/XXXX. The transaction shows it was taken out by XXXX XXXX XXXX XXXX XXXX. Phone number XXXX upon noticing this transaction I immediately called my bank and told them about fraud. I told the to cancel the card and sent me a ATM debit card in the mail as I put in a fraud claim. They came back to me about 10 days later and denied my claim saying my IP address was used the security # on the back of the Visa debit card was used and my House address was given. They sent me an e-mail stating they denied me and to fax 7 questions over to them to reopen the claim so I did. So I also went down to the police station and opened up an identity theft fraud case due to the fact they told me my IP address was used. And then today on XX/XX/XXXX I received another denial letter telling me that my IP address was used in my home location and somebody I know must have made a transaction with my card. I have never authorized anyone but myself to make transactions and I did not authorize that turns action I did not do that transaction. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. I never made this transaction I still am fighting this tooth and nail it is all the money that I own at this current time. I have received two denial letters about 3 weeks apart.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good day I'm XXXX XXXX XXXX and I have an account to PayPal.com using email : XXXX. I have a balance there it's XXXX XXXX and they just got limited my account I contact their costumer service also multiple of time and providing all my documents and I told that I need that money for my mom 's funeral they said they will gon na fix and all I also send my documents to their resolution center but they just shut down my account and permanently limited my account and can't access my money anymore until 180 was ended it was so unfair their locking my account it's not even their own money it's for my mom 's funeral and Im sure there's no reason to get my account to permanently closed I already submitted all the info that they were asking it was so unfair they are locking my mom 's money for her funeral they don't even consider my situation they just email me a random email saying .You can no longer do business with PayPal XXXX Ref ID - XXXX ) I hope you can help me out I badly need that money thank you so much godbless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.

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 2015-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My complaint is against Bank of America. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Bank of America bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Bank of America dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation