BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I went into default on my private students loans when I was given misinformation from the original debt holder of all my student loans, Citibank. I spoke to a Citibank representative during a period of time that I was filing Chapter XXXX bankruptcy and was told to hold off on all my student loan payment until the bankruptcy was completed. My loan payment included both federal and non-federal loans so that information was correct for my federal loans that transitioned back into repayment without any problems, but incorrect for my non-federal private loans that were sent into default. I did not receive any notice about the default until it was already sent to collection agencies. Once I was aware of the misinformation and resulting default I started to pay XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX, that took over my non-federal loans. I was making monthly money order payments to the collection agencies for over two years, however they did not provide me with receipts of payments. When I requested proof of receipt of payments, XXXX XXXX XXXX , XXXX gave me proof, but XXXX XXXX XXXX , XXXX did not provide me with any information. Since I was not sure they were receiving my money order payments I stopped making the monthly payments since I did not know for sure they were being received and credited properly. XXXX XXXX XXXX, XXXX, did not contact me for six months instead they transferred my debt to XXXX and XXXX, XXXX. The new collection company is now calling and sending me notices demanding payment. Furthermore, they have added unexplained additional charges added to my original debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have  XXXX  loans on my home with bank of america. i have had a temporary modification which ended a year ago, my payment increased so i applied several more times. the last time i applied i was approved for a modification which increased my payment ove r 1000 dollar s, i spoke to the bank and asked why thy said i made  XXXX   XXXX  a month. this is so wrong i ask the Representative from Bank of America how did they get this? no one at Bank of America can answer me why. i filed an appeal because the information on the disesion is not correct. i get notic es 2-3 times  a week saying they are working on the appeal, yet 2 months ago i got a letter saying it was declined due to this inflated income they hav e, one  Representative told me they increase th income to make me qualify for the new 15 year loan. they told me it would start  XXXX   XXXX     2017  yet we got a  XXXX  dollar check from   XXXX   XXXX    i n  XX/XX/XXXX , which was a refund on our home owners insurance. i cant afford a 15 year loan modification. i would like a longer loan modification or a principle reduction as this house is  XXXX   XXXX  upside down, if they are here to help please let them. The file i have is hundreds of pages as this is way to intense to describe completely  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 2016-06-21
Company: CITIBANK, N.A.
State: OR
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fees

Complaint:
Well, I called citi on XXXX/XXXX/16 to determine why I was being charged ATM fees despite the information pamphlet that was given to me saying I should not incur fees when using a citi bank atm. I spoke with a woman who said that she agrees that I should not be charged for using a citi bank atm and that perhaps I used an atm outside of their network ; she said she 'll look up the atm to determine if this was the case. She confirmed that it was in fact a citi bank atm and that its odd I was being charged. She said she will escalate this to management but that unfortunately there was n't anyone there that day that could help so I would be contacted back in approximately a week. I had n't heard back from them by XXXX/XXXX/16 so I called back to see what was going on. At that time the gentlemen I spoke with told me the exact opposite of what the lady from the first call said and told me that those fees are n't able to be reversed ; I asked to be escalated to speak with management. I spoke with another gentlemen who said that generally I would not be charged atm fees by using a citi bank atm with a citi bank card however I am a part of a XXXX program which does incur those fees. However the information was not presented in the pamphlet that was given to me with my card, he said that perhaps I received a pamphlet that was intended for another program but that he would do a one time courtesy and reverse those fees. He said I would have to call back on XXXX/XXXX/16 because no one there could reverse those ( it was fairly late in the evening ) and that on XX/XX/XXXX when I called those fees would be reversed. So I called today XXXX/XXXX/16 to have those fees reversed at the gentlemen instructed however the person I spoke with told me that was not true and that she can not refund them. After she pulled the call she agreed he said that however she only refunded the most recent atm fee but that was it. This is not okay because I have had one employee tell me I was right, and that I should n't have been charged since the atm i used was a citibank atm and a manager also tell me that he would reverse the fees on XXXX/XXXX/16. I have reference numbers for the recordings of all three of those calls. The call on ( XXXX/XXXX/16 ) with the woman who told me I should not be charged fees at citibank atms was reference # XXXX. The call with the manager on ( XXXX/XXXX/16 ) was reference # XXXX ; and lastly the call from ( XXXX/XXXX/16 ) today 's reference # was 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 monetary relief
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ive been in contact with XXXX XXXX in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to XXXX XXXX, and equifax and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ive been in contact with XXXX XXXX  in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to transunion XXXX, and XXXX and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form 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 non-monetary relief
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX I applied to Citibank for a loan repayment plan because I had fallen one month behind on my mortgage. They granted me one and I made the first payment. Then Citibank contacted me and said I did not have a repayment plan because the person that set it up did not have the authority to do so. So I applied for a loan modification. After months of submitting documents ( 2 and 3 times ) Citibank offered to extend my mortgage over 40 years saving me {$65.00} per month. No principal or interest rate reduction. I declined because I have been paying on this mortgage for 16 years and the change would have shifted most of my payment back to interest, reducing how much went towards principal. In XXXX XXXX I received a call from Citibank asking me if I still wanted the loan modification. I told them no and that it would benefit them much more than it would help me. Then in XXXX XXXX I received a letter from Citibank saying they had set up a escrow account for my homeowners insurance and my payment would increase by {$520.00} per month. My homeowners insurance is only {$210.00} per month. After 90 minutes on the phone and having been transferred 4 times, I was told the escrow was required because I had accepted a loan modification. This was not true. They had also paid off my homeowners insurance through XXXX XXXX, XXXX. So I had to straighten this mess out with my insurance company. But my biggest complaint is that they were trying to get me to accept a loan modification that would only reduce my base mortgage payment by {$65.00} per month, while adding an additional {$310.00} per month to me insurance expense and shifting most of the payment from principal to interest. They never told me this part or that I would be required to escrow my homeowners insurance. Fortunately I never accepted this horrible modification. But how many others fell for this trick and ended up paying more each month while having less go towards their principal? I believe this is a predatory loan practice on the part of Citibank.

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 2016-08-11
Company: ERC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I 'm still making payments to the Debt Collection service that I 'm using, while this is not the first time I 've got calls like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have maintained a 100 % perfect payment record of timely, on time payments for over 7 years with XXXX XXXX XXXX  ( XXXX ), based in Florida. 

In XXXX, I learned of a very sick family member who had traveled overseas and ultimately was found to have been afflicted with the XXXX XXXX. 

During the time I was caring for them, on XX/XX/XXXX I closed on my home sale thereby paying off my HELOC with XXXX. 

I recently discovered through my credit report monitoring that XXXX destroyed my FICO score and lowered it by almost 140 points by reporting a single late 30 day payment!! 

This payment related to when I was caring for my deathly ill relative and in the midst of my home closing transition. I called the XXXX XXXX XXXX XXXX number to politely ask them to remove the adverse credit mark due to these highly extenuating circumstances. 

I then was referred to another office who was responsive but ultimately spoke to the " powers that be '' and said that " since they get audited all the time, they could not make this adjustment for me, unless it was exclusively a bank error. '' Given my 7 year unblemished payment history and that I was involved in caring for a XXXX   victim and was advised improperly that there was no need to make the last payment as it would be adjusted on the final settlement statement when I had called them in XXXX, it is HIGHLY UNSCRUPULOUS AND AN UNFAIR BUSINESS PRACTICE TO maintain this negative mark on my credit during these troubled times and unfortunate circumstances. 

I am hopeful that you can rectify this matter with XXXX promptly before me taking the next steps and involving the news media as well as the District Attorneys 's office and my local Senator. Thank you in advance for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
good evening the debt is not owe the account is XXXX XXXX XXXXXXXX date XX/XX/XXXX next account XXXX XXXX XXXX XXXX XXXX, next account XXXX XXXX XXXX XXXX date XX/XX/XXXX. never do bussiness with these company under the rule of Law information should by private under section 602 rule please delete these account from my creadit file please thank you very much

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 2017-05-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have t he Synchrony store card for Amazon th at offers 5 % statement credit on all purchases. I see the section of the statement where this credit is shown each month but as far as I can tell, the credit is n't actually being applied to my balance. For example, my latest statement shows : + 5 % Back {$12.00} + Bonus Statement Credits - Returns - {$0.00} Monthly Statement Credits {$11.00} But no  XXXX  credit is applied to my balance ... the only credit is for the return of an order in the amount of  XXXX .     I 'm not sure how far back this issue goes ... probably since the account was opened.

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 2021-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2021 XX/XX/2021 XXXX XXXX Along with several times during the year prior to this time with different transaction ranging from XXXX or more dollars This company has kept my direct deposit payment on hold for various reasons I have had my money refunded from a business or I have paid on the card directly from my paycheck this company will not give the money to the card directly from the bank of the company I had a refund with or without notifying me place a hold or restrictions on my money it's a prepaid card transaction when I call and have asked the company why I can't access my money on the account I get told they have rights to hold my money for over a week time frame they have left me in serious complicated financial delays on several occasions and I put my finances onto the card being it's prepaid not money given to me by the card services I have also been at a company where the cash back feature is offered and I requested a cash back with a purchase and the card accepted the money but then declined it but the card withdraw from my balance but the store stated the company declined the transaction the card services then would take XXXX days to correct the mistake although it was the mistake in the way the card company accepts or rejected transactions they claim to only have a limited use of services only after they give the money to the company but reject it because of the service available with the company so I don't understand how they allow the money to be withdrawn from my balance to the business if they don't offer that service with that card transaction I call ask him for my money to be released or refunded because of the company 's error several times during the year for several weeks before the company will acknowledge that they should not have taken my money and then without responding to my request per conversation with me they hold my money back until I have been without a balance for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Reference # XXXX, XXXX XXXX XXXX  account XXXX XXXX, has violated my rights. 

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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 reviewed my consumer report and I noticed the following accounts are reporting inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Freeze placed on credit report with Equifax ; written letter with handwritten signature, copy of driver 's license, PIN to unlock freeze, listed handwritten date of birth, social security number and credit card number/expiration date with consumer name and billing address for associated temporary lift fee submitted via USPS certified mail XXXX/XXXX/XXXX with instructions to temporarily remove freeze from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX, mortgage company given permission by consumer to access credit report states security freeze remains. Attempt to remove credit freeze via telephone system by consumer also denied and recording indicates can not be completed via this method. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX to XXXX. XXXX XXXX, XXXX, Georgia XXXX, indicates Equifax received written request XXXX/XXXX/XXXX. Upon looking at Equifax website for a former dispute, freeze remains with statement of 'legislative security freeze in place ' ( see photo ). Not only was written request submitted and received, but Equifax CONTINUES to not follow written request and deny consumer the right of allowing lift to be placed and removed upon her discretion. Consumer feels Equifax is purposely withholding credit report as a form of retaliation to consumer for filing complaints with CFPB due to their reporting practices and has placed consumer 's file in " Special Handling '' services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An identify thief stole my information because my husband was hacked because he has a XXXX XXXX XXXX - along with about XXXX other families. XXXX incompetently ran my credit report for the thief. Thankfully, they did n't issue a card, but the inquiry hurt my credit score. I have asked EQUIFAX over a dozen times to remove the inquiry. They have also been asked by XXXX to do so numerous times. Equifax does n't answer the phone and their emails are spam, and they obviously do n't read their mail. They have made no attempt to help whatsoever. 

What is the fine for ruining my credit? My credit score was impacted, and this could potentially have created a higher rate on a car loan or other forms of credit. 

What are my rights and what can you do to make sure this does n't happen to others. Equifax should be fined at a minimum, but those fines should go to the people being impacted and ignored ... ..not to more government incompetence. This would n't have happened in the first place if people like XXXX would secure their servers .... 

Additionally, XXXX says it is their policy to run the credit report BEFORE verifying identity. This seems to be backwards. If this is an allowed policy, it should be changed immediately given that it is nearly impossible to get the inquiry, which negatively impacts your score, removed. 

After weekly calls to XXXX for over 2 months, they are saying that they ca n't find the proof that they sent the request without going to their archives for the fraudulent application. A person named XXXX is supposed to call back within 24 hours to get me their proof that they followed through ( like the other XXXX people who never called back before her ). 

I am copying my Congressman. Let 's see how this new XXXX works - I 'm interested as a tax payer to see this in action - and if it does n't work, it is a huge agency and we should shut it down. It certainly has been a disaster for the mortgage and title industries - let 's see how you do with credit reporting agencies. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
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:
DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. I HAVE ATTACHED THE IDENTITY THEFT REPORT BELOW. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation