BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, XXXX, after canceling my services with XXXX, I boxed up the equipment and took it to the Post Office to return it. The Postman saw where it was going and told me to be sure to keep my receipt as he had heard a lot of complaints from people who say XXXX never acknowledges receipt of returned equipment. 
On XXXX XXXX, XXXX I received a letter from XXXX stating they did not receive the equipment. I explained it had been shipped back and they should be receiving it shortly. 
According to XXXX Proof of Delivery the package was received on XXXX XXXX, XXXX On XXXX XXXX, XXXX I received a letter from a collection agency, XXXX. XXXX, XXXX as XXXX had sent the account to collections 16 days after they received the equipment. I immediately notified the collection agency that I disputed this and sent proof of deliver to them as well as to XXXX. 
I thought this had been resolved, but approx. 3 months ago I found it listed as a " collection account '' on my Experian report. I sent in a disputer letter to Experian. 
I was recently denied a mortgage refi as XXXX still had this listed with Experian as a collection account. I believe the reputation XXXX has with the Post Office personnel is accurate. They do not acknowledge receipt of equipment returned and cause their former customer undue grief by having to " prove '' they returned the items. And even then, they do not correct their error. The costly effects of inaccurate credit reporting causes hardships and stress on people and XXXX should be held accountable for this. I am requesting assistance with getting this removed from the credit agencies and would like to see an investigation into how many others XXXX has harmed. I am attaching the following copies : Drop-Off Package Receipt Proof of Delivery Letter from XXXX Letter from XXXX XXXX XXXX Thanks, 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 2016-08-22
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Citi XXXX Credit card was closed by Citi in XXXX XXXX by Citi. Company has continued to charge me interest and fees on the outstanding balance without providing me online access to my statements nor mailing me monthly statements. I called on approx. XXXX XXXX, XXXX to request that copies of all of my statements be mailed to me and was assured that I would have it within approx 48 hours. I received a package of statements around XXXX XXXX, XXXX, and it was incomplete. This credit card continues to charge me interest and fees, which I only find out about through notices from financial/credit apps that I have. I feel all interest and fees on this card from the time Citi is closed the account should be removed and not added again. I do n't know how much money I lost because I ca n't see my records ( number in form below is a guess ). 
My CitiForward card is my other card from Citi. It is still open, however I have the same issue as I have with my XXXX card above - no online access and no paper statements mailed to me. I pay an auto-pay payment initiated from another bank for the minimum payment, so that 's why the account has n't been shut down yet but I want my FULL records.

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 2015-07-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has been replacing old information over and over I ca n't open credit cardsmy score is being damaged for XXXX months now and over XXXX yearsI have no REmedy pls help. 
Pls be advised I want everything to be clean and up increase in my scoreing system. 
I have been disputingXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.

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 2015-11-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I contacted this company multiple times asking this to do a full investigation regarding these multiple inquiries and he fact that my social and name had been changed as a result these inquiries popped up and were not authorized. They failed to properly investigate my request and also never sent proper validation as to why these are accurate and valid inquiries. I contacted these companies reporting inquiries on my credit and they ca n't find my information in there system yet experian failed to furnish proper valid proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After filling out the questionnaire, I was rejected from viewing my credit report. I answered the questions honestly and to the best of my knowledge, and I was given no reason for why I was rejected. If someone has been fraudulently using my identity for a loan or an account, that may have made my answers incorrect on the questionnaire, which in turn could have resulted in my denial. Am I expected to know what 's in my credit report before I actually see it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The Home Depot failed to remove my name, as promised in letter, from credit report companies: XXXX after they found that the account use was fraud. I have letter from TheHomeDepotCredit Services where they confirmed that the charges on my account were incorrect. They did not take the steps to correct mistake regardless several calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian is absolutely refusing to do a proper investigation of these XXXX accounts. 
XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX. Neither XXXX of these accounts have been updated by the original creditor, which means they never contacted them. The dates for the first delinquency is in question and the high balances are not correct.

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 2016-09-20
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Patient Account Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We represent XXXX and XXXX XXXX. Despite being provided on multiple occasions with insurance information, XXXX XXXX XXXX has continually refused to bill the XXXX ' medical insurance company, and now their automobile insurance company, for bills that resulted from an automobile accident. It has assigned these accounts to XXXX different collection agencies, the most recent being XXXX XXXX XXXX and Patient Account Services, both of XXXX, Florida. Further, despite instructions to the contrary, these collection agencies have refused to cease communication with our clients and to communicate with us, the law firm. As recently as today, XXXX XXXX, 2016, Patient Account Services contacted our clients via telephone.

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 2015-12-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Received pre approval on XX/XX/XXXX. Started full application on XX/XX/XXXX. I was charged {$470.00} for an appraisal on XX/XX/XXXX. As of this evening XX/XX/XXXX the appraisal has not been completed. Citizens bank is claiming that this is due to Dodd Frank and CFPB regulations. I believe this is very misleading and they are trying to blame government regulations on problems with their processes. At this point in the process because of the delays, I do not have the luxury of trying to find another financial institution. I find this unfair and deceptive with the tactics they are using. When I applied, This would have given them almost 80 days for the closing. As of tonight, with no appraisal completed, we now are at 33 days remaining. Again, they have already charged me, but blaming you for the delays. This loan needs to close by XX/XX/XXXX or I suffer severe financial consequences due to their negligence. This is by no means credit or income related. Both my wife and I have XXXX Fico scores, over 15 years each on the job, debt and income ratios all well within guidelines. In other words, we are the ones with perfect credit and income for a mortgage loan. We also are putting down about 35 % of the purchase price.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: Credit Systems of the Fox Valley, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Credit Systems of the Fox Valley has been calling my cellphone and my work phone simultaneously for the last 15 minutes over and over again. I have no idea how they got my work number. They 're not allowed to have this number. 

They do n't leave a message either. It 's distracting me from my job and upsetting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.

Company response to consumer: Closed
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I opened a Macy 's credit card ~12 months ago and have been using it and making full payments on time, but I have not purchased anything in the last 2 months. They are charging me a {$2.00} a month " minimum interest fee '' each month, despite not having any purchases and not carrying a balance. I now owe {$4.00} - will that show up on my credit report? Will I be charged a late fee? This is n't legal right?

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 2015-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a complaint against TD Bank , NA Loss Mitigation Support. I have submitted not once but XXXX XXXX pages for an application for assistance in order to save my home from foreclosure due to my exhusband not paying after being court ordered and filing for bankrupcty relieving him of all obligations and authorizing me to modify the payments to keep my home. The first time I submitted the paperwork they sent a letter of denial to my exhusband instead of me which I would not have known about if I did not contact TD directly. I also missed the appeal deadline as well because I did not receive the notification. My exhusband signed everything over to me and TD insists they do not have his authorization when in fact I sent it both fax and regular mail certified. Because of the mistake they made my home is now up for Sheriff sale XXXX/XXXX/15. I stressed to them that they are sending any and all information to the wrong address and I was finally able to get a representative to correct the address since the rep I spoke to prior to this would not do so! I want to work with TD and start paying them what is owed and what my exhusband failed to do so I can remain in my home and not on the street! I have submitted more than enough information to them to help me in my situation. They seem to constantly lose paperwork and tell me I 'm missing information when in fact it has been submitted. The more they keep doing this, the more I am pressed for time and I am running out of options!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Altisource Portfolio Solutions, S.à r.l.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
closed XXXX/XXXX/15, deed and mortgage still not recorded. 
contacted ALTI SOURCE to find out why, no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a loan that is from XX/XX/XXXX. XXXX. I was paying then the bank that had the loan went under. I did not hear anything for yrs then when I did the loan was XXXX. No records of any $. I asked about other $, was told they did not have a record and this was the loan amount. Starting payment again. Then new company took over, loan was again the XXXX with no record of $. This has happened over & over so many times I can not keep count. Now Great Lakes has it; they had the loan at XXXX w/n record of $. I have called them over & over to try to get this settled. My loan went to default once & I was paying XXXX monthly. Great lakes did not have this records either. I called the default department to get this moved over. I asked them to contact the company that I was paying & great refuses. They refuse to look for any payment history! The student loan is listed 3 times on my credit; I have gone around & around with the student loan to get this corrected. So they finally closed XXXX of them just to leave the XXXX listed as money owed. What money is listed on the other XXXX that they closed, that money should be transferred to the great lake account. I have cks showing payments great lakes does not have & they refuse again to accept or try to help get this correct. I was buying a house in XXXX TX in XX/XX/XXXX is when I got the student loan to close out the open accounts that was listed incorrectly. I was not in default and was paying at that time I have ck to XX/XX/XXXX. This loan should be paid off, yet as I sd before Great Lakes refuses to look for the other companies that has this loan & find the payments. This is an in just to me, I want the history of my payments found and applied to the 4K which is what the loan should be. I went to school to be a nurse. I have worked in the XXXX field for over 20yrs and now XXXX. They are threaten to take my SS. I want this removed & shown as paid. I have even tried to get them to take a pay off & they refuse. I do not owe XXXX$! Please help get this settled; I do not know how you will do this without me being able to leave personal info. So I feel this is also a waste of my time & who ever reads this. Where do good people get help from the crooks in GOV!? I have no other recourse but to file bankruptcy. Which is very very sad!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Diaz & Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
My father received a call from Diaz and Associates for me and gave me the message. I called the number back and spoke to a woman who was very nice. She then put her supervisor XXXX on the phone. He was the total opposite. When I told him that I would not pay the bill because I did n't believe it was mine he became very rude. He started harassing me. I told him he was being harrassing. Having worked at a collection agency I know the laws. He then said that I must not have been very good since I was not working there anymore when in reality I moved out of state and im still in collections. He continued to be very rude and insulting. The mini Miranda was not provided by either him nor the first woman. I was not told my call was being recorded. When I told him to stop calling my dad 's he said the number was removed. When I asked what number, he refused to give it to me. I did tell him not to call my phone either as it is a cell and once I tell him not to he ca n't. He then told me that I 'm harassing him by not hanging up the phone. I told him I wanted to know what numbers were being removed and he again refused to tell me. He then continued to make comments to try and degrade me. I let him know that by doing what he 's doing he is still breaking the law. He finally gave me the numbers that were being removed and the call ended. This whole call was a violation.

Company response to consumer: Closed with explanation