BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: LendKey Technologies, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LendKey will not allow you to make a payment on your student loan towards the principal and interest unless they have generated an invoice for that month 's payment. On XX/XX/2021, LendKey generated an invoice on my account for the XX/XX/2021 payment. On XX/XX/2021, I made a payment on that invoice. On XX/XX/XXXX, I received a delinquent notice for that invoice. I contacted Lendkey immediately and spoke with XXXX who is a supervisor. He said the payment must have registered before the invoice which does not make sense because the invoice was already on my account before I made the payment. XXXX said he would have LendKey apply the XX/XX/XXXX payment to the XX/XX/XXXX invoice. I checked my account today, and instead of applying the payment on XX/XX/XXXX, the date that I made the payment, Lendkey applied that payment on XX/XX/XXXX which is 27 days AFTER I MADE THE ACTUAL PAYMENT. This is grossly unfair because I should not have to incur 27 days of interest when I made this payment on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: Stuart-Lippman and Associates, Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received letter from company saying I owe {>= $1,000,000} I 've been trying to contact someone from the company but I have n't gotten a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Risecredit, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for Citibank checking account on XXXX XXXX 2016. Since that point of time I got some emails to send the driver 's license, utility bills, address proof etc..all of this was provided to them on XXXX XXXX 2016. I got some information about my account # and routing # also ... .got my debit card also ... but till now I am not able to login to my account online. I can not even use my account. I believe more than 2 weeks is too much a time to have this kind of access? There is absolutely no chat support available and no email address where i can ask them to provide this access ... i tried calling them once and chatting with them about this issue but no success after 2 weeks also.

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 2021-03-13
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navy Federal Credit Union continue to send me letters and illegal tactics affecting my credit report. I have closed all my charged off accounts with Navy Federal Credit Union since 2012 and they continue to report to the credit bureau that those accounts are open. Accounts are unsecured loans that were charged off since 2012. I continue to received letters in the mail, that I paid XXXX to those account and I didnt. They are illegally keeping the accounts open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Strategic Alliances, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
First Portfolio Ventures LLC has put a judgement on my personal checking account. They do not hold an active XXXX bond in Texas. They hired XXXX XXXX, who are actively bonded in Texas, but this NOT enough to get around the bond requirement, per Texas Finance Code 392. This is an unlawful attempt to collect a debt that I was not properly notified of nor made properly aware of where the debt originated. This debt was charged off by the original company and placing judgement against me by a collection company NOT bonded in the State of Texas. And once they hired attorney to take over made this claim and therefor the judgement placed on my acount unlawful in the State of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have contacted both the credit reporting company and Transunion to investigate verify and remove inaccuracies on my credit profile they are still invalidly reporting the following unauthorized inquiries on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Source Receivables Management LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Collection Management Holdings, LLC
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 status incorrect

Complaint:
The accounts were charged off in XXXX of 2021 in the amount of {$1700.00} and {$7200.00} XXXX credited my account as if I made a payment, which I never did after the account was closed. This led to the reopening the account and giving late payment as if the account is still active. I have two accounts with this XXXX, and this was done on both accounts. Every month I get alerts saying I missed a payment on a closed account. The following laws were violated ; 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I TOOK OUT A PERSONAL LOAN WITH MY BANK ( WELLSFARGO ) AND CAN NOT PAY I AM WORKING WITH A COMPANY TO PAY DOWN MY DEBT NOW MY BANK HAS FORCED A PAYMENT AND OVERDREW MY ACCOUNT WITHOUT ANY KNOWLEDGE OF THE PENDING DEBT OCCURRING, I FOUND OUT BY LOOKING AT MY BANK STATEMENT AND THEY HAD TAKEN A SUM OUT, I CALLED CUSTOMER SERVICE TO REPORT IT AS FRAUD, SINCE I HAD NO KNOWLEDGE NOR ANY WARNING OF THE TRANSACTION AND WAS GIVEN A CLAIM NUMBER AND A BLOW OFF GOOD BYE, ESSENTIALLY I WAS LIED TO THAT THEY WERE SENDING THE CLAIM TO THE CLAIMS DEPARTMENT WHICH I DOUBT. AND I HAVE BEEN WITH THE COMPANY SINCE 1999. I CAN NOT EVEN CHECK THAT THE MONEY WENT TO THE LOAN SINCE THEY HAVE TAKEN IT OFF MY ONLINE ACCOUNT SO I REALLY DONT KNOW WHERE THE XXXX WENT EITHER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Without any prior notice to me whatsoever, my AT & T Universal Credit Card account was closed. The reason was not for any other reason other than lack of use. What is disturbing is that this account has been in place since 1992, and closing an account with such a credit history has an adverse effect on my XXXX. When I called to get it re-established, I was given the normal run around to re-apply, waiting 10 days, etc. etc. Finally I agreed, gave my information to re-apply and was immediately informed by XXXX # XXXX that I was denied due to the card having a joint owner. They are refusing to reopen the card in spite of my XXXX Credit Score, more than adequate income and limited debt. Admittedly, this card is not often used as it is not my primary card. I reserve this card for international travel as the AT & T name is widely recognized. However, as the consumer I am being refused a service that has been in place since 1992. This was not an issue prior to CITI taking over the AT & T Universal account portfolio.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.

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 2016-07-01
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is a complaint, I have had multiple phone conversations with customer service on the following issues and nothing has been resolved, they are as follows : Citi refuses to update my address, they are sending documents to a PO Box that I no longer have access to, and I have called and written in about this issue for over 4 years. 
For the last 4 months, Citi has made errors on my payment, they are debited from account that does n't belong to me, and they are giving me a confirmation # on the transaction and then reversing out the transaction without telling me. I can not get a straight answer from Citi on why this is happening. 
Because of this you are ruining my credit, I want the credit agencies notified by Citi that an error was made on Citi 's end and my score adjusted. 
I have been given multiple payment notices that are incorrect ( see attachment of 1 example ), they ca n't tell me why this is happening. 
I am speaking with the CitiMortgage Executive Office, they are not on the same system of Citi 's Customer Service Group, I am receiving conflicting information from both groups, my issue is still not resolved and we are going on month 4.

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 2015-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I am currently going thru Wells Fargo for a mortgage on a home. We were promised a certain rate ( XXXX ) and down payment ( 10 % ) on a mortgage for a XXXX family that we will be using as a XXXX family. The bank had the information on the property and a letter that stated we were using it as a XXXX family for the underwriter. All was well until now a little more than a week before closing, the appraiser says that he must do the appraisal as a XXXX family. Which is fine, I do n't care how it is appraised. However, now the bank is requiring us to put down 15 %. We have the money but we 're going to use that to put in air conditioning. I think it 's unfair that because an appraiser says it must be done as a XXXX family property, it affects our down payment and I 'm being told maybe even the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Lending Club Corp
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: DC
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:
XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six months.

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 2016-05-05
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.

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 2015-11-03
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to an offer that I received from Citibank to open one of their Citigold checking accounts. In exchange for opening the account and meeting several other criteria, I would be awarded XXXX miles to my XXXX XXXX AAdvantage account. I opened the account all the way back in XXXX XXXX and met the requirements in XXXX XXXX. However, I still have not been award the miles that Citi promised and after calling numerous times, I have been lied to repeatedly by Citi with more promises to follow up with a resolution to this issue. Needless to say, the follow up phone calls NEVER come.

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