BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.

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 2017-01-19
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted by Diversified Consultants ( DCI ) about a debt. The debt is not mine ; it belongs to my ex-wife. We used to share a comcast account that she improperly closed. DCI never contacted her or me about the debt ( {$63.00} ). The first I learned of the debt was when I noticed a collection on my credit report. 

I immediately contacted DCI, explained the situation, and was told it would be removed from my report. They never removed it. 

I disputed the collection with all XXXX bureaus. XXXX removed it immediately, XXXX is still pending, and XXXX contacted DCI, who instructed not to remove it. 

I contacted DCI again and spoke to a supervisor. He refused to tell me when and how they tried to contact me. He also refused to remove the collection from my credit report. When I asked to speak to the legal department, he said to hold but then hung up on me. 

I immediately called back and asked to speak to a supervisor again. I was then told that DCI has no legal department but they have a compliance department. He said he would transfer me to compliance bu then hung up on me. 

So here ' my complaint : DCI never contacted me about a debt, the debt is not mine, DCI filed collections with all three credit bureaus, I immediately paid the debt in good faith upon learning of the collection reports, DCI said they would delete the collections reports but never has and now refuses, DCI will not tell me when they tried to contact me, my ex-wife states that they never contacted her, DCI has hung up on me twice. DCI 's actions have dropped my credit score approximately XXXX points, and they refuse to rectify the situation, or even talk to me. THey will not remove the collection from my credit and will not provide me any documentation regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has been reporting an inaccurate account on my credit report which violates my rights under the FCRA. I have contacted this company via certified mail requesting VERIFICATION of account # XXXX with a reported balance owed of {$1400.00} on XX/XX/2020 and XX/XX/2020. I have asked that they send me the documents with my name and signature which states the terms they believe I ( myself ) agreed to. This company has failed to provided me with this information and has also refuses to remove this account from my credit report. I demand this information be removed from my credit report in accordance with 15 U.S.C. 1681i, of the FCRA which states that all UNVERIFIED accounts must be promptly deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 I opened a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX miles after meeting the requirements. I received written confirmation from a Citi representative that I met the requirements and that the miles would post to my account by XX/XX/XXXX. 

During this time, I 've already been charged a $ XXXX monthly service fee. Now, after confirming this promotion was applied to my account, Citi appears to be pulling a bait and switch. They have suddenly decided I do n't qualify unless I can find a post card from 5 months ago showing the offer. 

I do n't keep mail around for 5 months, and throughout all the communications, nothing was ever said over the past 5 months about needing to keep that post card. 

Now I have {$30.00} in fees and am not receiving XXXX AAdvantage miles. I 'm not alone. XXXX people are in the same situation. Via a XXXX search, I 've read about many people who are going through similar frustrating experiences. 

This is not right. I feel like I 've been lied to and my money has been taken. Despite upholding my end of the agreement, Citi has not provided the miles as promised. 

Something needs to be done about this. I hope you are able to assist so that Citibank honors the promotion they told me I qualified for. I have attached documentation which supports my case.

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 2022-08-19
Company: Early Warning Services, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2022 I sent {$180.00} thru Zelle and I sent the wrong amount. ( Sent to a person named XXXX ) Is it possible that I can get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
remove the fraud alert on my accounts experian XXXX  and 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 2017-01-08
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.

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 2016-03-03
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/16 I spoke with a representative named XXXX at CITI and he declined my request for a report detailing my charge history and interest rate changes over time. He told me he would have to call me back to verify my account after I provided XXXX digits of my social security number. 

I feel strongly that this information is available only to the company, and as a consumer being charged 26.99 % interest I have a right to know my history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the XX/XX/XXXX, I came back from work when my kids told me they could not watched TV. I asked what happened, they said the TV was not working. Then I tried tot rouble shoot the TV yet it did not work. Then I called XXXX XXXX  why my TV, phone and Internet are not working, they said I owed XXXX that is why they cut off my services. I told them to immediately cut off my services from them. Which they did that day but they asked me to return their equipment to the nearest location to my house. I returned the equipment on XX/XX/XXXX. They send me bill of {$760.00} on XX/XX/XXXX which I said why this bill? They said is for XXXX and XXXX bills and termination fees. I told them why should I pay for XXXX when you already cut off my services. Should I pay for the month I did not use my services. I already have another provider since XXXX. Please I want you people to intervene. Why should i pay for the month i did not enjoy or use their services?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All my monthly payments of my XXXX credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete XXXX payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing XXXX payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My XXXX XXXX payments and my good standing with XXXX past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. Experian says I should have more cards to raise my FICO score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my XXXX XXXX. Attached are also the XXXX card statements of XXXX and XXXX which should be reflected in the Experian 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 non-monetary relief
Consumer complaint received 2020-10-01
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a response to Global Payment Check Services : Mr. XXXX VIP Preferred Check Cashing account with our service has been closed as per case number XXXX. The account was closed due to the consumer 's refusal to acknowledge and agree to the terms of service. Unfortunately, without agreed upon terms of service, service can not be provided. This is in no way a reflection of the consumers complaint history, but a decision based solely on the grounds of Mr. XXXX refusal to accept the terms of the service that we provide which he initially consented to in transacting. 

Response : After further review, it has been determined that the Terms and Conditions that Global Payment Check Services references are completely inaccurate with respect to what has been stated verbally over the phone during phone conversations with their staff. Aside from what has been stated, the Terms and Conditions are vague, without recourse, and are not infallible. My rights as a consumer making a valid complaint precludes any Financial Agency or Organization handling Billing Inquiries by themselves or through a Third Party Agency from legally banning me, and putting a clause in any Terms and Conditions which would appear to neutralize a company from any litigation, goes against Consumer Rights. Conclusively, Global Payment Check Services has failed to acknowledge receipt of their mistake. The Terms and Conditions to which they claim to have written were understood differently when I read them, and it was only until they attempted to clarify things that they decided to close the account without further acknowledgement that they are at fault for the misunderstanding represented in the paragraphs contained within the Terms and Conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have had a loan with BB & T, now Truist, for many years. Because of their inaccessibility -- it often takes more than one hour on hold to speak with someone -- my partners and I added automatic payment to our account in XXXX, 2022. We have two mortgage accounts, both with the same account number, but with different suffixes known as note numbers in their parlance. Both accounts were set up for ACH at the same time, and both were to draft from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Truist input an incorrect account number for one of the loans, and the correct account number for the other. These accounts are confused on the website -- the account with the wrong loan number appears to be paid on time, the other appears to be late because the payment was returned by the XXXX XXXX XXXX bank because of the incorrect loan number. After about 2 hours of painful discourse on hold and on the phone with a ( lovely ) customer service rep, I gave up and said just take the payment manually. She did. But then, mysteriously, the other payment was reversed. To add insult to injury, there are late fees on both accounts. And the customer service rep was unable to correct the incorrect account numbers because she could not " validate '' me via text, even though the previous customer service rep was abler to do exactly that with the same cell phone number I always use. I was then forced to spend additional time re-setting up ACH with faxed paperwork ( so archaic and not at all practical ) and have had no indication that it has worked ( still showing delinquent ). I am not able to make the changes on the website because the bank is still showing one account as delinquent, they refuse to fix it because they can't text me, and I don't have endless hours to sit on hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: PA
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 called the creditor about these 2 accounts via telephone when i saw them pop up on my credit report to validate these debts..they could not do so ... .I disputed these accounts with the credit bureaus and they " verified '' them ... how can this be validated and verified with all of the incorrect reporting on the report? First off these are reporting as collections but they are reporting a past due, that is a violation. the dates of last active and dates of last reported are all inconsistent throughout all 3 credit bureaus ... .all of the comments are inconsistent as well through the 3 bureaus ... .the account type is inconsistent through all of the bureaus, there are multiple violations..there is no way that any of the 3 credit bureaus did an full and complete investigation when the reporting is totally inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I bought a house on XXXX 2014 and I was presented with a property tax certification of {$0.00}. In other words that the house did n't have any tax debts. Later I received invoices for property taxes XXXX years before the closing date. Since this was a foreclosed house I contacted the bank that sold it to me and they said I was responsible for paying all those property taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost XXXX of 22 years due to the changes in the economy and stop making payments to my Mortgage loan after few moths I was in foreclosure and I hire an Attorney to help me with the foreclosure almost a year later I was inform By the Bank XXXX that if I paid my XXXX mortgage at a reduce amount they will grant a loan Modification. after the payment was made They offer a 6 months trial payment and I proceeded and pay the second mortgage and pay the 6 months Trial period. after the trial period was finished the bank never contact me and I blame the attorney for not working diligent and hire a new Attorney one year pass and I received a Letter from XXXX telling me that will not longer servicing my loan and they will transfer it to Green Tree after the transfer it took Green Tree almost a year to grant the loan modification where my loan was modify at a higherinterest and increase my Principal in {$140.00} to bring the account current. 
I was surprise because the loan was to much for my income but I did not want to loose my home. 
After the loan modification was in place for the amount of {$4100.00} the bank change the payments 3 moths later to {$4200.00} and then to {$4300.00} and in XX/XX/XXXX the payment was increase to {$5400.00} Once more time I contact the bank to understand why the increase was for and they said that the taxes for XX/XX/XXXX and XX/XX/XXXX where not paid that accounts for {$10000.00} and {$11000.00} totaling {$21000.00} but the banks send a bill for 44 payments of $ XXXXWhen I ask the bank to explain all this charges they can get a clear answer and also said that the overcharges will be apply to the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: GMA Investments, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company is repeatedly harassing me with phone calls about a bogus debt. I get multiple threatening voicemails claiming they 'll involve the law. When you call they refuse to let you speak to a supervisor and say they 're unable to mail you validation of the debt. They are a scam and need to be dealt with! Any real debt owed would be reflected on my credit report, so I know they 're a scam.

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 2016-07-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I bought a home, with XXXX XXXX XXXX as the mortgage holder, it later sold the mortgage to Green tree and last year Green Tree changed it 's name to Ditech. During the process of change over one year ago. The mortgage has always collected the escrow for wind, home and flood insurances plus taxes. Last year my mortgage total came down it was a steady {$1500.00} + for all the years I 've owned the home, it dropped to {$1300.00}. I called everyone because I knew there was a mistake and got nowhere. Last month I got the escrow analysis and then the new mortgage billing and my total mortg & escrow went up by whopping over {$470.00} a month! I called Ditech several times, today a manager said that last year Ditech did not collect escrow for XXXX of the policies but that they paid. Because of that they say I now have a deficit of over XXXX and hence my higher mortgage payments. The Ditech manager XXXX admitted they made a mistake. I asked for a copy of XXXX 's escrow analysis and she told me she could not see it in the system, then she found it on some " other system ''. I asked for a copy of it to be sent to me, faxed, e-mailed whatever and she said she could not. 
I have called for weeks and hours trying to find out the truth. The manager admits they made a mistake, that now I 'm paying for. I do not trust them. They keep pushing me to refinance with them or extend the loan, every time I call and by mail. I do n't think I should be paying for their mistakes and I do not trust their numbers. I think they did this on purpose so that I 'd be force to refinance with them or extend the loan another 30 years. I 'm nearing XXXX and a jump of {$400.00} additional moneys every month is hard to do. I 'm beginning to feel this is a game for them and of course we the consumers are always at fault right. Wrong! She admitted they make the mistake! I have excellent credit and a lifetime of paying my mortgages and debts, I think they want to create a problem or cause a problem for selfish, greedy reasons. This company needs to close their doors and be thoroughly investigated ....

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I lost my debit card with my belongings in XXXX while I was traveling and someone charged my card for a ticket XXXX XXXX ( Not Me ), the amounts of XXXX $ and XXXX XXXX I did call easy jet to complain the transactions were not made by the owner ( me ) and also my bank Huntington on XX/XX/XXXX. It has been over a month and nothing has been done. When I called my bank they said I was the parson use it. Which is a False because I didnt even fly with XXXX XXXX

Company response to consumer: Closed with monetary relief