BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Late fee

Complaint:
In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Please find the attached case, we have been victims for a business who takes advantage of contractors, have the job done and dispute the payments that was made according to the contract. Without proposing any clear reason, using the power of their attorney who used humiliation and threat as tools under the law to pretest there illegal act. 

We are desperate, American Express stood up for their customer and solved the dispute to their benefit. 

Attached is the detailed case, we filed a lien against the property, we need your help warning contractors from being used like we were. 

XXXX XXXX XXXX  XXXX % XXXX % XXXX % XXXX % XXXX You can mention my name,. XXXX XXXX, owner of XXXX XXXX. I can provide any extra proves required and speak to the media and public if required

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want to change the phone number on my business checking account, and I can't. It says I have to go to a branch. The nearest branch is ~1000 miles away. Why did they even open this account if they cant service it?

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 2016-05-20
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
hi, i have mortgages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i 've had these loans for quite a while-i think since XX/XX/XXXX or XX/XX/XXXX we 've made our payments and have had to adjust how we send them in due to the careless handling of the payments. first i would mail them altogether in one envelope with one check and include the coupons showing the loans paid. they would apply all of the money to XXXX account and show the others past due. i stopped doing that and issued a check per mortgage and included all the checks and coupons together in one envelope-same result as the first. i am now writing out individual checks and putting the check and the coupon in it 's own envelope and then sending it by ups -- so i get a signature that you have received the payment. i 'm sending ups -- - because it is taking upwards of a week to apply the payments to the mortgages-why is that? it runs it close to the end of the grace period-which sets off a chain of events that is wasting my time. i get calls and emials telling me that my payment is due-although i sent the check out a week ago. i called XX/XX/XXXX and talked to reuben id # XXXX and went through each and every loan to make sure i was n't charged a late fee-he did that for me and told me that no fees were charged. i asked how come they are calling me and he said that there are XXXX or XXXX departments that work on the loans and they do n't share the info. this is a huge time waster for me and very stressful. i need to speak to someone regarding this as i need to remove the remarks from my credit report-it has a negative impact. i have in my email box a notification of payment on XXXX XXXX telling me that the payment was made on loan XXXX and then on XX/XX/XXXX i get an email payment reminder -- see how this is happening? makes no sense to me. i can never get to anyone that can make a decision or think logically to resolve this issue that has been going on for years.

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 2015-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
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: Investigation took more than 30 days

Complaint:
XX/XX/2015 auto loan from XXXX XXXX car was repossessed and has been on my credit report for XXXX years and account was closed and my payments were always on time after me loosing my job then XXXX XXXX happend not to far after messed me up financially

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 2022-10-06
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score was reported to bank as under 800 ( XXXX ) when I applied for a used car loan. There is nothing adverse on my credit report. The same credit reporting companies reported my credit score to me as over XXXX through XXXX and FICO. This faulty report disqualified me from receiving the preferred interest rate on a Used auto loan. This will result in me having to pay {$840.00} more over the 60 month term of this loan.

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 2022-09-11
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: Information belongs to someone else

Complaint:
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment

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 2020-04-10
Company: Experian Information Solutions Inc.
State: MD
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-04-10
Company: EQUIFAX, INC.
State: MD
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in my name at Key Bank.. I received a debit card for a checking account opened in my name at Key Bank. I do not or never have had an account with Key Bank. According to Key Bank, the account was opened on XX/XX/2022. I reported this to the fraud department at Key Bank and they have put a hold on the account and have started the process to close the account. This account was opened on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Company, Loan Depot, ordered an appraisal within their internal order process. When I received a copy of the appraisal, the value was underestimated at {$220000.00} primarily because the appraiser misrepresented my total square feet and room count as approved by the county appraiser. This resulted in many unfavorable comparables and a low evaluation. I refuted this with the Loan Officer and his manager and they both agreed to that analysis. My neighbor 3 houses away at XXXX XXXX with slightly more size and with noted wall and water damage to the 2nd floor SOLD her house for {$330000.00}. My neighbor same street with a black top driveway and no updates has a pending sale for {$280000.00}. The appraiser likely discriminated me because of my national origin and forcefully lowballed my value which resulted me in not qualifying for the loan I requested. I have repeatedly emailed both the corporate contacts and the individuals who handled my loan application and no one has handled the matter. The manager, verbatim said in writting " I agree with you, I think your home should have appraised for more than it did ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint Information : The mortgage payments on my loan serviced by Capital One, N.A. account are paid through XX/XX/XXXX. I am due for the XX/XX/XXXX payment. However, servicer is reporting payment is due for XX/XX/XXXX. Misapplied payment on my mortgage account which the servicer refuses to
research & correct. Background Information : I
filed for Chapter XXXX Bankruptcy Protection on XX/XX/XXXX which was discharged on XX/XX/XXXX ; full PITI mortgage payments were made every month. Capital One, NA failed to record payments made on the date ( s ) received, but placed them in an escrow account resulting in an account history that is incorrect and useless. Capital One, N/A would allow the account to appear severely delinquent then post a lump sum to the balance ( after 3-4 months of holding the payments in suspense ) resulting in the payments being misapplied. I received no monthly statements during the 5 years in bankruptcy therefore I was not aware of this issue. During the reconciliation of my bankruptcy case prior to discharge, Capital One [ XXXX XXXX, XXXX  XXXX ] falsely reported my mortgage loan was severely delinquent in the amount of {$4400.00} to the bankruptcy trustees office on XX/XX/XXXX. 

Attempts to resolve issue : I began attempting to work with Capital One, N.A in XX/XX/XXXX but they will not respond. During several calls to them, I was told my file was assigned to the research department, being handled by an individual by the name of XXXX, who has consistently stated he would get back to me but has never responded. On XX/XX/XXXX a qualified written response was sent to Capital One, N.A. ; which was delivered on XX/XX/XXXX ( according to the U.S. Postal Services tracking receipt ). As of today, XX/XX/XXXX, Capital One has failed to acknowledge receipt of my complaint or respond  under the RESPA and has violated my rights as a consumer under this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, 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:
My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( XXXX XXXX XXXX remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with Equifax and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Global Trust Management LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: VA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday, XX/XX/XXXX, I received a closing disclosure showing terms, closing costs, and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival, the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX, despite the cover letter for the disclosure saying, exactly " This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure, and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement, but I both called and emailed Citi today requesting explanation and received no response. My Citi representative knew that cash out was important to me in order to make needed repairs on the property.

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 2020-04-10
Company: S&S Physician Services, 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:
My credit report shows a medical collections account that shows unpaid. I have paid this account ( in XX/XX/2019 ) and have a payment receipt. I have requested the collections co. ( Harvest XXXX ) remove this negative information multiple times and they say they have but it has not come off. So I filed a dispute with XXXX and they notified me today that the dispute is complete and the information was not removed. I have proof that I paid this.

Company response to consumer: Closed with explanation