BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Billing statement

Complaint:
Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
i paid a company called XXXX XXXX dollars in XXXX of 2014 on my citi master card. the amounts were XXXX XXXX and XXXX.i disputed these charges already with citi master card.same company and citi would only credit XXXX a fourth charge same company.the company closed down on me and i told citi this.citi also told me i only had one chance to dispute this and i could not update or change the dispute.i told citi repeatedly that i never received any service or product.i really dont think citi looked into this.how can citi credit XXXX charge for the same company and not the others.i really think citi mislead me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction XXXX  and TransUnion for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.

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 2020-06-15
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX Greentree Mortgage sold my mortgage to Ditech Mortgage who as of XX/XX/XXXX has gone out of business and transfered all of their remaining mortgages to XXXX XXXX dba XXXX XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that they just happened to have missed that my FHA PMI had been charged to me from XXXX of XXXX to XX/XX/XXXX ( just a slight 4.5 years of errors ) or {$1300.00} of over charges. Now what's interesting is that when I contacted Ditech in XXXX after they had sent me an increase to my payment from {$530.00} to {$550.00} for {$90.00} of a XXXX city tax increase and a {$14.00} annual home insurance increase, I challenged them on these increases but paid {$530.00} so not to have a late underpaid payment on my record. In XX/XX/XXXX I finally got a review of my mortgage by Ditech and they dropped my payment from the {$550.00} to {$500.00} which I paid {$500.00}. Unbenownced to me, Ditech having filed for bankruptcy in XX/XX/XXXX had passed all of this {$550.00} misinformation to XXXXt and never told them about the FHA PMI issue. Can FHA return my excess payments of {$1300.00}? Is there a bankruptcy fund for Ditech that I can file a claim against or can this be credited to my new XXXX mortgage?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is reporting an inaccurate $ XXXX account on my credit report. I have contacted this company on several occasions but they state that their law office is handling this account. I have contacted this alleged company on several occasions and have not been able to resolve this issue. I contacted the original creditor who was not able to assist me with this because the account was sold they stated however the company National Credit Systems Inc is not a company that they are familiar with however again they are the company reporting this account on my credit report. I have requested documentation specifically from this company and they have yet to provide. I want them to provide proof of ownership, chain of custody, or evidence of assignment showing that they are the owner of this debt. It is my belief that this company and alleged lawyer office have some kind of illegal contracting going on. In almost 2 years I have been bounced back and forth. I want this mess remedied and deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

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 2022-02-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my third complaint today regarding Experian. This is not a duplicative complaint. I called Experian twice today. Each time I was on a very long hold and subsequently disconnected. After speaking with a dispute agent, the call makes a static noise, then I can no longer hear the agent. Moreover, Experians global website indicates the dispute department closes at XXXX XXXX, in each time zone. I called back a third time before XXXX XXXX PT. After an excessive hold time, I got to an agent in XXXX XXXX and said Im no longer allowed to file a dispute today because it is after the XXXX XXXX cutoff time. This is due to no fault of my own. I did, in fact, call before XXXX XXXX Its not my fault the hold time is excessively long. This is clearly an unfair business practice and a potential violation of the FCRA because I am essentially being denied my legal right to file a fraud dispute. Experian is making it very difficult to get to an agent within a reasonable time frame form the onset of a telephone call. I will file a complaint with the FTC, XXXX  and state attorney generals office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent purchases were made to my Home Depot credit card account. Although the signatures on the sales drafts do not match those of the authorized users, XXXX XXXX contends that I am responsible to pay for the merchandise.

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 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX OF 2020 I GOT A CREDIT REPORT AND FOUND THAT THE 3 MAJORS BUREAUS WAS REPORTING MY INFORMAITON WRONG. I REACH OUT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. ASK FOR A VALADATION OF THE ACCOUNT THE RESPONED TO ME STATING IN WRITING THAT THE DO NOT HAVE ANY ACCOUNT THAT BELONGS TO ANYONE MATCHING MY NAME OR THE ACCOUNT NUMBER.

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 2016-06-19
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I opened my CitiGold checking account with a promotional code to receive XXXX Thank You points and now am being told I wo n't receive them. I have been told by multiple citi agents via chat and phone that I did in fact sign up the correct way, completed the required 2 bill pays and would receive the points within 90 days ( XX/XX/XXXX ). Since then I have only been billed the $ XXXX monthly maintenance fee and received no points. One agent refunded my first {$30.00} fee and even promised me an additional XXXX points for the troubles. He then sent this information to what they refer to as " research '' and research denies it telling me I wont be getting anything because they do n't feel that I should. This is a scam and awful that they are doing this to people.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX CREDIT CARD SERVICES ACCOUNT XXXX ACCOUNT CLOSED XXXX CHARGED OFF. 
PLEASE PROVIDE A VALIDATION LETTER TO SHOW I SIGNED FOR THIS ACCOUNT. PLEASE FURTHER SHOW THE SECURITY DEPOSIT IF ANY WAS PLACED BY MYSELF. 
I have recently been informed by looking at my credit report that this information shows charged off. Then it shows further payment in the amount of XXXX is due. I am unaware of any amount owing on this secured credit card. Upon looking up this company they are virtual and online. Proof of my signature authorizing this account to be open is required in this validation request. Please validate my signature and or the open secured account. Please further have this company show their XXXX as charged-off with bad debt. In absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 15 days to as per the CFPB as per the FCRA section 623 ( a ) ( 3 ) and I am keeping a careful record of your actions. This is also a violation of the FTC which is failure to show proof of my identification IE signature it is Defamation, Negligent Enablement of Identity Fraud and Violation of the FCRA. This is my last and final attempt this will be added to a court order to ensure my rights are being properly enforced.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: FL
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:
Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these XXXX complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks

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 2015-10-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, I was charged the annual fee of {$95.00} for my Citibank XXXX XXXX Mastercard. On XXXX XXXX, I was informed by Citibank that they were closing all of my credit card accounts against my wishes. The only reason that they gave for closing my accounts was that they no longer wished to do business with me. I contacted Citibank to have the annual fee refunded and they refused. If my account had not been closed by Citibank, I would have had XXXX days after the posting of the annual fee in which to close the account myself and not pay the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Stenger & Stenger, P.C
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
garnished my bank account in XX/XX/XXXX S.S.A. funds.XXXX then snatched my wife 's State income tax XX/XX/XXXX return under joint return injured spouse w/o me having any income at all.This has been going on for 16 years.every 8 years they claim I make a payment to them admitting this debt.going to some judge and gettihg an extention on collection.Ido n't know who the debtor orginated with only STENGER/STEGNER are the liars persuing this.pubic action

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citibank debited my account which overdrew my account by {$600.00}. Upon discovering this that same evening at the ATM, I promptly called customer service to inquire about how, what, and why this had occured. They informed me a person who I have never heard of had written a check which had a forged signature that looked absolutely nothing similar to my legitimate signature. I told them that I have not written any checks and to stop it since I did not authorize it, at that point the representative put {$800.00} back into my account as I assumed would be the normal thing to happen in such situations. 1 month later Citibank took the {$800.00} back out of my account because I had n't submitted an affidavit of forgery. So upon learning that I got a police report and submitted an affidavit of forgery which the back office of Citibank denied under the grounds that I did not inform them in writing from 30 days when the disputed charge was found. So my question is how can they base their decision upon something I did do ( affidavit ) once I was actually told to do it, despite them honoring a forged check that should have bounced since I did n't even have the funds to cover it, as well as a signature I did not write or authorize in the first place? What legal recourse can I take to recover my funds that were literally stolen from the forger of the checks and then Citibank directly?

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 2016-05-03
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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:
Equifax violated my consumer rights under title 15 USC 1681a and 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: MT
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:
The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX )

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 2022-07-21
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Kings credit service, is damaging my credit file. They claim I owe an alleged debt. Ive requested that they provide me with a contract between Myself and the company. I would like a audit trail in connection with this alleged account that I didnt authorize to open. I filed a complaint with the XXXX  and the companies response was some statements and invoices from some company, as well as supposed " notes '' of telephone conversations. Once again if that was them calling me, that was invasion of my privacy because I didn't give them permission to cause my phone to ring. The " communication '' they have in there notes is not related to location informtion. It is in connection with this alleged debt. They are posting on my consumer file negatively, causing harm to my reputation.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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