BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a call from Macy 's credit card fraud department on XXXX/XXXX/XXXX inquiring if some charges to my Macy 's card account were authorized by me. I told them no and that I had not used the card since XXXX, XXXX. They sent me a fraud dispute form ( attached ) which I filled out and disputed XXXX charges totaling {$610.00} mailed it to them on XXXX/XXXX/XXXX. They canceled the old card number and issued a new card which I have not used. I later received a billing statement where they transferred some of the disputed charges to the new card number and added late fees and interest charges. I phoned Macy 's twice to complain and the representative indicated she could see where I submitted the dispute form, but indicated the fraud Department had 60 days to review the disputes and I should ignore the billing statement. She said she was unable to issue anything in writing confirming the dispute was filed. Now I have received another monthly billing statement dated XXXX/XXXX/XXXX where they have added more penalties and interest.

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 2017-03-29
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

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 2016-08-06
Company: MANN FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Broker, after getting my paperwork, told me the loan was doable. He then completely went dark. When I would ask him, he would say he is waiting for the underwriting department to give him an answer. This continued for 10 days until it was too late for me to close on time. I still do not have an answer from the underwriting department and at this stage, I would not be able to get a loan for the house my family fell in love with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO 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 2017-04-08
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Citi told me they would delete my account off of my credit profile if I made a payment to take care of my debt. I made the payment, and they did not delete the information. They performed a " bait and switch '' to get their money. Even though I took care of this debt they are also still reporting derogatory information on my credit profile.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 XXXX XXXX XXXX XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX  Subject has not satisfied debt. XXXX -XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -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 XXXX XXXX XXXX XXXXUntitled XXXX XXXX Subject has not satisfied debt. XXXX -Untitled XXXX XXXX Subject has not satisfied debt. XXXX -XXXX  XXXX -XXXX XXXX  XXXX -XXXX XXXX XXXX 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 an account without my written instructions.

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 2016-11-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
The disputed {$840.00} ( Dispute ID : XXXX ) AT & T*Bill Payment charge that was billed to your above-referenced account on XX/XX/2016. The dispute was initiated on XX/XX/2016 with a conditional credit issued to my account. CITI returned the charge to the merchant 's bank ( AT & T ) on XX/XX/2016 in an attempt to obtain a permanent credit on my behalf. The dispute was subsequently cancelled at my request on XX/XX/2016 and the conditional credit {$840.00} was reversed. CITI is telling these funds made available for the merchant/merchant 's bank. I checked with XXXX AT & T and they do not see it in their bank. They asked me to pay this amount and I paid with same credit card on XX/XX/2016. The reversal {$840.00} is mystery now. AT & T is telling that they do not see it in their bank. They do n't bother about this fund anymore since I paid them all due amounts. CITI is not helping me to find out this {$840.00} where it went. This amount is not going away from CITI account since the merchant never received this amount. I have a feeling that CITI stolen this {$840.00} and they are charging me for this and not paying to 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 2016-09-13
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As i have looked at my report for years i continue to see incorrect information on my credit. This misrepresentaion has caused my family and I to be denied credit from multiple institutions. Equifax which is widely known for there bad business practices continually gets away with not being held accountable by the CFPB or any other agency that should protect the rights of consumers. 

Again this account should be removed immediately from my file. I have sent several disputes to Equifax without any results of what I have asked for. If the CFPB is not going to hold the credit bureaus accountable, why does it exist? 

Please review the incorrect information amd remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: First Recovery Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've been receiving calls from First Recovery Associates. They say that I defaulted on a payday loan from CP Investors back in 2013. They have my social security number and current bank account number ( had a different bank account in 2013 ). I have never applied for a payday loan. When I tell them this, they hang up on me. They will not leave me alone and I know they are trying to scam me, but still have my personal information.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-27
Company: Olde City Financial Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX, XXXX, XXXX, XXXX, and Olde set-up XXXX as a means of delivering disputes from the credit reporting agencies to the data furnishers. XXXX does not work!!!! I have had XXXX for numerous years, and have NEVER received a notification of a dispute. Furthermore, I can document instances, that a negative credit blemish was deleted without XXXX notification ... a clear violation of the Federal Fair Credit Reporting Act. XXXX is JOKE!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2016-12-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MIDLAND FUND ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUND or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUND or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card
Issue: Other

Complaint:
Please reference the initial complaint - Case number : XXXX filed on XXXX/XXXX/2015. This complaint is for HSBC account # 's XXXX XXXX and XXXX and excludes the XXXX XXXX account. HSBC has never responded to the XXXX complaint. HSBC has never responded to my XXXX XXXX, 2015 letter. " Allegedly '' the credit bureaus were able to verify this information with HSBC. 

Bottom line, to date I have not received any verification documents on these accounts. HSBC has exceeded the legally accepted 30 day allotment to verify these accounts. According to the FCRA rules, if a creditor does not verify the debt within 30 days to the debtor, they are not allowed to continue attempting to collect the debt, nor can the creditor list the debt on the consumer 's credit report. 
This is a clear case of unverified debts that need to be removed from my credit files immediately. My only option left is to file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
in XX/XX/XXXX I closed my AMEX account. my balance then was {$32.00} and I paid off that amount on XXXX/XXXX/16. Since then Amex has charged my closed account with purchases and fees for late payments now shown on my credit report of {$710.00}. I made no purchases after closing the account and destroyed the card. I spoke with AMEX fraud dept and now am advised they credited my account with {$500.00} leaving a balance that I do not owe and which will continue to incur late fees. They put me on hold for over 30 minutes and I getno response to my effort to get a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: Northeast Collection Bureau
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting harrassing collection calls on my cell phone for someone I have never met and when I tried to call the company to correct this i got a very profain recorded message and then they hang up. The only thing I know is thier phone number is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-15
Company: Self Financial Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I was accepted to have my payment extended and closed Due to family emergencies. My father passed away and my mother needed lots of financial helped. Someone at the time said they understood and would work everything out. Long story short the first late report was a scam because I asked and was approved for an extension! I called and tried explaining it was an error on their part and they act like they didn't know. So I told them I wanted my account cancelled and they said ok. Now looking at my account its under XXXX and I have 3 false late payments I NEED THEM REMOVED ILL BE HOMELESS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I recently used Chase Quickpay to sell a pair of concert tickets I could no longer use. The buyer sent payment through Chase Quickpay, which I accepted. After the payment was accepted, I gave him the tickets. 
The next day I got an email that said the transaction had been cancelled. When I called Chase customer service I was told that everything looked fine on their end and that it would just take a couple days to process and that I should receive the funds by Tuesday. 
I logged in again on Monday and saw that the money had been reversed with the note that it was cancelled. I called customer service and was told there was nothing they could do and that I should n't have used Chase Quickpay for the transaction. Apparently the other party had cancelled the transaction from his end later that same day. 
As a long-time loyal Chase customer, I am very disappointed with this response. I have multiple accounts with Chase, including checkings, savings, investments, auto loan, and XXXX credit cards. I would never have used Chase Quickpay if I had known that it was possible to cancel a transaction that has been sent and accepted. I felt confident using Chase Quickpay because I had assumed that Chase would offer its loyal customers basic protection against fraudulent activities but I 've since been informed otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.

Company response to consumer: Closed with explanation