BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: Ad Astra Recovery Services Inc
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX ,  2016  {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, and EQUIFAX continue to report false and fraudulent information to my credit report! I've sent multiple letters to each credit bureau pertaining this false information and they have failed to do a proper investigation as per FCRA guidelines! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I have an open case against Citibank re : a XXXX closed account. Seems Citi has been increasing the total balance due, and refuses like most banks to give the balance once the agreed monthly payment has been deducted. In addition in XXXX XXXX they claim I was XXXX ( now more ) days past due since XXXX XXXX. My original opened CFPB case number is XXXX. Also case XXXX is Cit 's response that they have to do a 60 day review. 

Since ( in the US as well as the world ) Citi has been caught in malfeasant activities as in my case not properly applying my {$70.00} ACH and increasing the balance owed, I will temporarily put a stop on my monthly ACH payments. Once the matter has been resolved I want to settle.It 's only fair! 

As in my now closed case against Citi # XXXX, losing payments, alleging they applied to this closed credit card account ( when the account numbers were written on the checks/money orders ) and calling me a " liar '', they are again exhibiting the same behavior. I will call the Citi XXXX on Monday 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 2016-09-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Good Morning, I filled a dispute on a XXXX transactions to XXXX on my Credit Card and they have choose to close the case saying its more then 6 months. The transaction happened on XXXX/XXXX/16 and was posted to my account on XXXX/XXXX/16. This is for Car Transmission that I got repaired from XXXX and got XXXX year Warranty or XXXX Miles which ever comes first. Its now 6 months and couple of days and only XXXX miles driven and My car transmission again went completely bad on XXXX/XXXX/16 and I made several calls and even visited the XXXX and found out they have closed the business and some other workshop has taken over. I have all proof of all receipts, calls made and photo of the new workshop that has taken over. it has cost me {$3200.00} and over this is truly fraud my car transmission was not made properly and valve body was not replaced with a new one. I have to pay again {$3200.00} to get it repaired. Please I need justice. 
Attached is the XXXX mail I send out to XXXX and they have chosen to close the case saying its more then 6 months. I have filled XXXX more disputes with credit cards that I have used to pay {$3200.00} to XXXX to cover the cost and they are investigating. one of the credit card company has already refunded my money. but XXXX is hard to work with.

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 2015-12-01
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/2015 I made a request for VALIDATION of Acct # XXXXat SENTRY RECOVERY. The client has requested this account beclosed. Received a letter on XXXX/XXXX/2015 Stating this. copy of letter inside. It is XXXX/XXXX/2015 and this account is still being report to the credit reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Integrity Solution Services, Inc.
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was pay by XXXX when I was 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 2015-06-20
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.

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 2016-02-15
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I reported the credit reporting company as XXXX on my complaint when actually it was Equifax : I paid off a higher credit card balance with XXXX that had a much lower interest rate. Equifax added the balance paid, to the lower interest rate credit card but did not remove it from the higher XXXX resulting in my appearing to owe {$4200.00} more than I do. This resulted in them dropping my credit rating XXXX points. I would like my credit rating restored to the XXXX that it was. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX we purchased a home in XXXX XXXX, CA my mom and I are retired on a fix income when all things were satisfactory with Quickenloans the lender found everything satisfactory they funded. XXXX mortgage payments later we were told that things have change our home has increase in value by XXXX XXXX XXXX XXXX each month since we signed the contract and closed, that insurance premiums have increased some as high as two hundred percent that our monthly mortgage payment will be increasing by XXXX XXXX dollars beginning XX/XX/XXXX and they are being slow giving as an answer how they value our home so high to raise our insurance without anyone coming out to look at the home. I live in the XXXX XXXX in California XXXX XXXX no one is flocking to move here. We signed a contract at XXXX XXXX and XXXX XXXX at the XX/XX/XXXX they plan on raising our mortgage payment by XXXX dollars, which we can not afford,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Gatestone & Co. International Inc.
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 is not mine

Complaint:
In XX/XX/2016 I contacted XXXX to transfer my internet service to my new address effective XX/XX/2016. I was told that I could reduce my bill to {$39.00} a month from {$59.00} by switching to a plan that included a land line, which I do n't use, but agreed to save money. The phone was never connected and the {$39.00} a month was never honored. I contacted XXXX on XX/XX/2016, and spoke to a XXXX who assured me that although they would n't honor the plan I was sold, he would retroactively amend the bill to honor the internet only plan I 'd been on for 4 years for {$59.00} a month. He said that left me owing a balance of {$47.00}, which I promptly paid, and was told that brought my balance up to current. On XX/XX/2016 I received a collection notice demanding payment of {$150.00}. I called multiple times ( I have the hours of calls recorded ) and they never did amend my bill as they were supposed to. They disconnected my service and turned me over to collections, and I 'm receiving phone calls that are extremely rude. I do not owe XXXX a 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 non-monetary relief
Consumer complaint received 2020-08-07
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: Account information incorrect

Complaint:
Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX  ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy

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 2017-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We were applying for a mortgage and the financial lenders where not able to pull my report or credit score. I received a report with credit scores from all three agencies on XX/XX/XXXX but when the mortgage lenders tried to get my credit report nothing would show up. I have  called XXXX, and XXXX XXXX and they tell me everything is fine, but still not letting the lenders pull my report so I ca n't get a loan for any home, I tried to apply for a credit card and was turned down because no credit information was showing. I had a short sale of a home close just 5 years ago so I know I have credit history. Help! nobody will help me and I am being denied credit through no fault of my own.

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 2022-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2016-09-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have concerns about Identity theft So I wish the credit card company to stop all charges on card and reissue a new card or close the account. I wrote them using address for remittance of bill. I get a call from a supposedly Citi rep ( id on a cell phone ) id XXXX requesting personal information. She noted I had to use a cellphone and call XXXX ( number on my bill ). I called that number.the rep ( ( XXXX ) stated I can only call from a cell phone and type in a my personal info ( ssn, address, etc ). I explained I live in an area that does not have cell phone. She noted there was nothing she could do and I requested to speak with a Citi rep she refused or to provide an alternative number to call. Thus, I have no way to close the account without a cell phone. The requirement of a cell phone should not be a condition of having a charge card unless they clearly publish it. The call was automatically transferred to a third party call center service. Customers should be able to access to employees of the credit card company should the third party be unable to resolve the problem.

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 2017-01-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
About two years ago I applied for dept relief program with company named XXXX. They resolved most of my credit card accounts. Recently I found my self at dead end as I received multiple advertisement letters in my mail from different attorney offices offering me legal help and stating that I 'm being sued by Citi Bank. I contacted Citi Bank and they told me that Citi Bank does n't own this bank account anymore and I need to contact the attorney that is handling this account. I was given attorneys phone number. I contacted the attorney and they did n't give me any information. They said that Dept relief program is handling this case. I called XXXX then, and they said there is nothing they can do about it, they have not received any correspondence from the attorney. In order for XXXX to take any action, they need to hear from the attorney first. So here I am in a closed circle.Bank does n't give me any information, attorney does n't give any information and XXXX ca n't do anything about it. I do n't know who is saying the truth and how do I need to handle this. I did not receive one single letter from the bank offering any options of repayment and here I am being sued.

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 2022-05-18
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted the proper forms to Optum financial to transfer the balance of my XXXX XXXX balance that was held by my former employer to my new XXXX XXXX institution XXXX  for my new employer. I submitted the form in XXXX and have followed up approximately 10 times and over 10 hours on those calls. One day I spent over 2 hours waiting on hold and finally demanding to speak with a supervisor named XXXX who looked at my form and assured me they would process the payment in the next few work days. That was 2 weeks ago and I've followed up a couple time with them and asked them to flag XXXX to get me an update. I have heard nothing back and my transfer has not been initiated. Their phone number always has a long wait, I've asked for my item to be escalated, but there is no movement or follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised.

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 2022-05-18
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$30.00} owed to collections, cental state recovery. I already paid my medical bill Friday XX/XX/XXXX paid the amount of {$340.00} recept number XXXX. I did not recive adequate notice of another amount owed to anybody beside the original medical bill, now I have a separate bill in collection. To XXXX XXXX XXXX account number XXXX. They did not provider adequate information before submitting to collections. Aggressive billing and submitting to collections without adequate notifications. Do I have any other form of complaint that I can file? Date of incident is today XX/XX/2022 the amount owed supposedly owed since XX/XX/2022 is {$30.00}, not enough time from bill to collection warning very aggressive and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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: Investigation took more than 30 days

Complaint:
I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies experian, XXXX and XXXX  a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on experian, XXXX and XXXX that XXXX do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.

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