BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: VA
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:
XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.

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 2016-04-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Wells Fargo, a big bank on which one could place the designation " too big to fail '', is actively engaging in fraud, and getting away with it. Since XX/XX/XXXX, they have claimed not to have received one of my monthly payments, and since have placed fraudulent charges and late fees on my card, month after month, though I have always made my payments on time. I have provided them with a XXXX page documentation of my payments, and made clear what is incorrect. However, they have done nothing except continue to engage in fraudulent activity with my account, and call asking why I have n't paid for it. It is destroying my credit, and putting me into a hole from which I will have to recover straight out of college. It is not fair to young people ( or anyone else, for that matter ) to be deceived by the banks that are " too big to fail '', and have their futures tarnished by a mistake which was not their fault.

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 2020-04-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was a few days late making a payment as I hadn't received the bill. I realized the oversight and paid the bill on XX/XX/2020 and advance paid the next month 's on XX/XX/2020 as well. I contacted Comenity Capital bank-the issuer-and they waived the XXXX late fee as I had never been late before. On XX/XX/2020 my card was declined. When I contacted Comenity I was told that my account had a " utility suspension '' until the next billing cycle=over two weeks away. I messaged Comenity and a person named XXXX called back. I questioned if this punishment was outlined in my BJs credit card agreement or anywhere on Comenity 's website. He was unable to produce it and said it was an internal policy, not noted anywhere in writing he could find, but regardless he couldn't waive the suspension. It is outrageous to subject consumers to this phantom policy and tell them that there is no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Gold Checking account online and entered a promotional code ( XXXX ) that I was mailed in a credit card statement. The promotion stated that I would receive XXXX XXXX XXXX after completing bill payments in two consecutive months and completed debit card purchases totaling over {$1000.00} in 90 days using the Citi checking account. I received verification during the online application process that I was eligible for the bonus and checked again with a representative a few days later. A month after applying online and completing the promotional requirements, I received confirmation from a Citi representative ( XXXX/XXXX/2015 ) through secure message that I had met the promotional requirements and the representative stated I would receive the promotional offer within 90 days. On XXXX XXXX I inquired to the status of the promotion and was given a wait time of 30 days before the miles posted. On XXXX XXXX, I again inquired to the status of the miles and that 's when Citi stated they needed to perform a investigation to determine whether I was eligible for the promotion. On XXXX XXXX I received notice that I was indeed eligible and all Citi needed was my XXXX account number. I supplied the account number and received another notice on XXXX XXXX indicating another investigation needed to take place to determine the status of the promotion. 

Frankly, this run around is getting ridiculous and I 'm tired of being promised something XXXX day and then the next day the story changes. I 'm not sure how a bank can possibly operate in this capacity and expect to maintain customers. I 'm hoping that this CFPB complaint can bring this mess to a close and I can move on to bank who does n't trick their customers.

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 2016-09-13
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was given a document from CitiMortgage stating that if I made my four consecutive mortgage trial payments I would be given my modification. This started back in XXXX 2015. During my last contact with Citi I had a representative from HOPE on the line to help me with my questions. I was given assurance that my mortgage documents were to be sent out in the next two weeks or so. Then I heard nothing for about 6 weeks. I called again and left emails and messages ( that I have copies of if needed ). Finally XXXX XXXX called back to tell me Citi forgot to set up an escrow account so XXXX XXXX refused to fund my loan. Citi actually caused my mortgage to fall behind at first in order to get the loan, but then forgot to set up the account so I then became current AGAIN. I payed exactly what I was told. XXXX informed me that because Citi set the account up incorrectly I had to start over with my trial payments. This means another four months of waiting. The final nail in the coffin is that I WAS TOLLD I MUST CONTINUE TO MAKE THESE PAYMENTS OR I WILL BE DROPPED FROM THE MOD. BUT CITI STILL HAD NO IDEA HOW THEY WOULD SHOW THAT I AM NOT CURRENT MEANING THE TRIAL PAYMENTS HAVE NO END! I was never behind on any payments but I was forced to set this entire modification up in order to get my EQUITY line modified. I am a SINGLE MOTHER AND FULL TIME XXXX WITH NO SUPPOORT. I HAVE LITERALLY SPENT HUNDREDS OF HOURS ON THE PHONE WITH CITI OVER THIS WITH NO RESOLUTION. THIS PROCESS HAS CAUSED ME EXTREEM EMOTIONAL STRESS. 
MY DESIRED RESOLUTION IS FOR CITY TO HONOR THEIR PROMISE AND COMMITMENT TO COMPLETE THE MODIFICATION PROCESS IMMEDIATLY AS PROMISSED. 
Sincerely 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 2016-10-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Navy Federal Credit Union is still limiting access to accounts due to a message box pop requiring a phone number to continue ( XX/XX/2016 ). There is already a valid email contact address on their file that they have used before. There is no additional information on the popup, but yet their billing rights, which is very difficult to find, clearly states 'phone calls will not preserve rights '. This is deceptive conduct by NFCU, even though they signed File No. XXXX, to get people to waiver their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX, 2011 XXXX XXXX XXXX Bank charged off my account even though I was attempting to re-negotiate a monthly payment plan. Furthermore, without prior notice Macy 's summarily referred my account to a collection agency. I learned the latter when I requested and received from XXXX a copy of my credit report. For over 5 years I 've disputed the latter information and sent over XXXX letters. Macy 's has ignored me and states it will not remove the charge off. When I received a letter from the collection agency ( XXXX ) I paid in full the charge off balance of {$720.00}. It is my understanding that a creditor such as Macy 's can not submit an account for charge off until it has provided me prior notice of its decision. I am wanting the charge off and all other adverse information removed from my XXXX credit bureau reports. Please help

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 2015-05-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls my phone repeatedly every day seven days a week. I looked it up online and it says it is a collection agency for Macy 's but that they may be a scam. i have a macy 's account but it is not delinquent and does n't normally even have a balance. The number that keeps calling is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Second attempt : as per my phone call to Citi on XXXX/XXXX/16 previous document submission was not able to be read so attached is a second copy. I will be filing complaint to the consumer finance department and XXXX for Citis lack of communication and ability to resolve issue in a timely manner. This dispute has been ongoing for months and Citi has not effectively communicated with us and despite numerous phone call and hours of being on hold. 

As per original dispute : transaction on XXXX, 2016 the original engine core Charge of {$500.00} invoice of transaction and bill with charge are attached to the original transaction pdf file. 

On XXXX XXXX Engine was exchanged {$0.00} invoice attached. On XXXX XXXX Core engine was returned and refund of {$500.00} from original engine purchase date of XXXX XXXX, 2016 should have been refunded instead my Citi Card was charged additional {$500.00}. 

I would like this situation resolved as soon as possible vendor already stated this transaction should have been a refund not a charge and Citi has not worked with me in resolving this has has provided the worse customer service ever!

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for mortgage assistance through XXXX XXXX XXXX XXXX for XXXX, XXXX and then the following 6 months until XX/XX/2022. I've contacted my mortgage company numerous times through email, and phone. Every time I get a response fron Shellpoint Mortgage Servicing LLC ( NewRez LLC ) it's always different answer, but in same form of " We Don't Know anything about it '', or " That's not my department ''. It's very frustrating. I would then reach out to XXXX XXXX XXXX XXXX  if they heard back from Shellpoint, and nothing. It's just overly annoying when I have to do all the work my mortgage company should be doing, and to be approved and not be able to apply to my mortgage account. This is the main reason for my missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a certified letter to XXXX XXXX requesting verification of a credit card debt on XX/XX/XXXX. As of XX/XX/XXXX they have who failed to respond to any of my request requesting verification and have continued to reporting it that through the three major credit bureaus

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 2017-11-07
Company: ProCollect, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted dispute letters to Experian, Transunion, and Equifax on XXXX/XXXX/XXXX regarding collections accts that I did not recognize and did not receive a credit report showing investigation results or any other type of correspondence letting me know the status of the items I disputed.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-05-05
Company: EQUIFAX, INC.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Bank Account # XXXX, has violated my rights. 

XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a thing but a summons from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent XXXX XXXX a letter before I sumitted my answer to the court here in Arizona. 

XXXX answered back with a motion for summary judgment. XXXX ignored my letter electing arbitration per Citibank cardholder 's agreement. XXXX forced me into litigation when a clause in Citibank 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO XXXX FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave XXXX a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet XXXX kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: TX
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, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy. 

15 U.S.C 1681section 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 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
several attempts for accounting based on general acceptance accounting and Capital One Bank is in violation of law for not providing the accounting. I ask again for accounting based on GAAP practice also a copy of the signed contract which was never provided. 
failure to credit account {$21000.00} received on XX/XX/2016 by Capital One Bank and acknowledged receiving money order if it wasn't accepted it should have been returned and it wasn't this is to apply to account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello my name is XXXX XXXX my property is located AT XXXX XXXX XXXX XXXX CA XXXX. I recently put in a application with the Mortgage relief for homeowners and they keep asking me for the same document I've loaded over 5 times for them. please help I'm running out of time.

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 2015-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage and equity loan have numerous issues that are detailed in an attachment. My mortgage loan has been sent to a foreclosure attorney of Bank of America. I have requested verification of the debt and have received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I receive a letter ( attached ) from this collection agency.I called them on Friday XXXX XXXX at XXXX and spoke to " XXXX '', verbally agreed to pay {$50.00} every XXXX of the month starting on XX/XX/XXXX.which I did ( Money orders attached ) but they did not care and sent it to the Credit Bureau contrary to what we agreed verbally.this upset me and did not pay XX/XX/XXXX, so I am looking for help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation