BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX consolidated my XXXX XXXX XXXX cards into XXXX called the CITI Card. 
The CITI card has a higher balance than the XXXX combined. I want to discuss this with them, BUT THEYXXXX WILL NOT ANSWER THE PHONE. I am not certain if XXXX XXXX XXXX card are owed, as well.

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 2021-07-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking and a saving account at citibank in XX/XX/XXXX and funded both accounts. With no explanation or communication, citi blocked my access to my funds. After numerous calls, the reason ( still not made clear to me ) is they speculated there's some sort of fraud associated with how the account application was from two addresses. I receive mail at two homes, which can not be that uncommon. 

I've spent HOURS and called citi over two dozen times in the past 6 months, trying to satisfy odd requests for documentation, receiving no communication whatsoever from citi after their review of the documentation. 

Finally, on XX/XX/XXXX I again called and was told " the accounts were being processed for closure. '' I confirmed that the check was to be mailed to one of my addresses. On XX/XX/XXXX having not received the check I called again and was then told it might take up to 30 days to receive the check. 

On XX/XX/XXXX, I called again and was told the accounts were STILL being processed for closure, but now they told me it would take 30 to 60 days! 

It is XX/XX/XXXX and now over 60 days from when they said they were closing the accounts and still I have no check. The accounts are still blocked. The funds are still in the accounts and I can not get access to my own money. It is tantamount to theft that citi has MY money and will not release 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 2022-11-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received a payment yesterday from my XXXX XXXX company for auto injury via Venmo. I tried to instant transfer the money to my XXXX XXXX account. After several attempts to send money instant transfer I was directed by a Venmo manger via phone her name was XXXX XXXX to try various steps to get my money. When all steps didn't work she told me the only way for me to get my money is to have money sent via bank eft regular transfer which will take 1-3 business days. Fast forward to the next day I get an email from Venmo that says my account is being frozen and that my money is also on hold. Venmo has no legal right to freeze my account or money when everything that was done on my account was directed by a Venmo manager. I even have an email from that same manger because of all the inconvience I received from Venmo and its service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was a co-signer on a capital one auto loan for my father. It is currently showing as charged off on my credit report with a total balance of $ {$8300.00}. However, when I log into the online banking it is showing a balance of {$360.00}. I have attached a screenshot of this. I have tried calling Capital One auto to pay the balance off but they repeatedly tell me I am not authorized on the account. I tried calling around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and every time I was told I was not authorized and they can only speak with my father. If that is the case, and this is not my account, it needs to be immediately deleted from my credit report. They are unwilling to work with me to remove it from my report or allow me to pay it. I am requesting it be immediately removed. If the account is not mine, it should not be impacting my credit. It is preventing me from qualifying for a mortgage. It's my right as a consumer to only have information reporting that is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I continue to receive letters from PHH Mortage XXXX stating that they don't have records of my hazard insurance coverage for home during periods of time MORE THAN A YEAR AGO and that if I do not provide proof of insurance on the home during that time, XXXX Mortgage will buy insurance on my home for periods of time between XXXX and XXXX. First, I had insurance on the home during the periods missing in their mortgage records. Second, it is not my fault that PHH Mortgage did not ask me for proof of insurance in XXXX and XXXX. Third, I believe it is unfair, unjust and illegal to charge me for an insurance policy to cover periods in the past. 

They have proof of my current insurance on the home. 

I am reporting this matter to the CFPB because I doubt that I am the only customer receiving such letters from PHH Mortgage and I believe this matter should be investigated by the proper regulatory/oversight agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is a result of identity theft I have hired a attonty because this company refuse to follow the law as to verify the debt before inserting this debt on my credit file and now i have grounds for compansation. Please hold this company accountable for not verifing the debt before adding this account number '' ' '' XXXX with XXXX XXXX XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.

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 2022-11-09
Company: JPMORGAN CHASE & CO.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 someone used my Identity for open this account that its FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested. 

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX a Macy 's bill had some charges that I did not make. The charges were at a Macy 's in XXXX, TX. I moved from XXXX in XX/XX/XXXX. Secondly, I have severre scolioses and am unable to walk in the large store. I disputed the charges with Macy 's, closed the account. Macy 's would send us papers to fill out but I did not know or have the list of charges to put down since I did not make them. The reason I did not have the original bill was on XXXX XXXX, XXXX I was car jacked and my purse was stolen. I would try to get the list from the Macy 's website but because the account was closed I could not retrieve the list. I asked for receipt signatures from Macy 's and they were never given to me. Macy 's proceeded to put late charge after late charge on the bill. After months of getting no where I paid the bill and they would not take of the late charges off. This has hurt my credit and they did not care who made the charges they wanted the money regardless.

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 2015-08-28
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I were advised by our attorneys to vacate our home and let it go due to our not having an escrow account and we owed XXXX in back taxes. We did have an escrow account because our insurance was paid there as well. We had been paying on our bankruptcy case for XXXX XXXX years. I contacted our mortgage company XXXX, then XXXX XXXX to see if there was anything we could do, to try and make any money out of our lost. XXXX said we could try a Short Sale. We could list the house at XXXX, our listed balance is XXXX. If we did not sale the house, we would get XXXX if we moved at the end of that posted period. The house did not sale and we moved into an apartment. We did not get the XXXX. Within a week, we received a letter from a new lender/mortgage company, Gregory Funding. I have called them to ask what we can do, is there any way we can move back into the home and continue with our payments? The only comment they 've made is that we need to provide insurance for the house. Our lawyers say we do not, since it has been surrendered in the Chapter XXXX. We get a bill each month from Gregory Funding for the house. Is it possible that our paperwork during the Bankruptcy has not been properly filed? We know our lawyers did not have our best interests in mind. We XXXX the lawyers two times ( due to their error XXXX to save our home. Since we left that home, XXXX 2014, it just sits there. The garage is open at various times. That was our dream home. Our preacher came over to say blessings the day we signed our paperwork. Our plague reads ... XXXX is the head of this house, the unseen Guest in every room. I pray to you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EdFinancial Services
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: Account status incorrect

Complaint:
Miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred '', showing on XXXX different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
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:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inaccurate inquiries are on my credit report. Documents shows Fraudulent inquiries

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 2015-09-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax illegally shared data with others, regardless of whether they put this in writing. Equifax backs up and made it look like my fault. However they share information that only they could have known. When we filed an application with XXXX XXXX XXXX XXXX I used my Middle Name first on the Application. Equifax illegally shared this information XXXX. How come the CFPB puts the fox in charge of the henhouse where the credit reporting companies are concerned. all files regarding the illegal sharing is attached if you are a consumer advocate do something

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX

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