BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX a Sunday XXXX I went to Citibank ATM to deposit money into my checking account like I've normally done before I deposited {$1900.00} when inserting the money the machine that XXXX trying to pull the money out didn't allow me to the money just got locked in the machine and the machine shut down and released my card after : Citibank I received a provisional credit After the investigation I received {$520.00} back on XXXX XXXX what happened to the other {$1400.00} that's the mystery nobody knows nobody has an answer for me I am not stopping here this is absolutely insanity Citi Bank is stealing my money and it's illegal I will go all the way to the top I am about to go to the police and file police report for Citi Bank stealing my money if they have antiquated systems for Citi Bank they need to update their ATM that's not my fault I have a Lotta money in those accounts please let me know if you need to see the account summaries

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 2022-10-28
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1 closed account/Discover opened in XX/XX/2013 that is 9 years old and 8 years old from last past due payment. Closed account is past the statute of limitations of the state. Closed account still reporting late and negative balance on credit report. XXXX has approved my dispute of this closed account and currently waiting for results from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Sears " XXXX '' card from Citi Bank. They sent me an offer for XXXX bonus points for purchases from travel purchases provided I meet the minimum of {$750.00} spend in a month. I signed up for the offer and proceeded to use the card for hotels and rental cars to meet the required purchase amount before the end of XXXX. The problem is that in last two weeks I have stayed at two hotels, but Citi bank is showing no MCC ( merchant category code ) for these transactions. The first was a XXXX XXXX on XX/XX/XXXX and the second at a XXXX XXXX on XX/XX/XXXX. Without these being classified as " lodging '' I will not receive any bonus points from the credit card company. In the past I have used a XXXX  card from XXXX XXXX XXXXXXXX for these same hotels ( same locations ) and these were classified correctly such that I received extra cash back on those transactions. I wrote to Citi Card and they said they have no control of the MCC codes used by merchants so my purchases will not count toward the promotional offer. However, when reading more about MCC codes they say they require these codes to prevent fraudulent transactions, yet they are accepting these transactions without any MCC code. It appears they are baiting customers to use the card with their offer then finding ways to avoid paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE DISPUTE THIS ACCOUNT OVER AND OVER AND NOTHING HAS BEEN VERFITY BECAUSE I HAVING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been requesting a complete payment history from XXXX and they refuse to provide me with a copy of a complete payment history if these is no payment history how can they validate a debt so I am question the validity of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since first financing my XXXXXXXX XXXX XXXX performance car in XXXX of 2022, I have had trouble each month with paying my car note. 
Not financial troubles, but troubles with contacting BMO Harris and their loan department for appropriate payments. At first I thought it was because the loan was new but its still happening. 

Each time- even as recent as yesterday - No one can locate my account by name, account number, social security or address. I am consistently forwarded to another department who echoes the same disbelief that I am a customer. There also is not a way for me to log-in or register my account online. 

The only times that I have been able to pay is after a month goes by of me trying to contact BMO Harris and a representative contacts me. I can then pay by phone until the same process happens at next pay date. 

There also is not any local US locations and I have a hard time understanding most of their reps. They also dont allow you email anyone from the company. 

Most recently, one of my payments was said to be voided by the company and I dont know why. That then puts me in further bad standing with the company, possibly my credit and my own financial accounting.

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 2021-01-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay MACY'S/DSNB ( {$360.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued 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 2022-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notice from XXXX that a Bank of America inquiry was made. I called Bank of America and a credit card had been issued in my name for XXXX XXXX. I never applied for a credit card. It had my name, my address, my email, and my social security number.

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 2022-10-28
Company: EQUIFAX, INC.
State: HI
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:
Since XX/XX/2022 Ive been disputing with Equifax, XXXX and XXXX via credit repair services! But to no avail nothing never has happened to my satisfaction!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX First Source Advantage sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Bank of America has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said " no she lied to you '' ... ..How does that benefit anyone? 
Bank of America is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: VA
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 to the credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and 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 a late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX mortgage with the same server as my XXXX mortgage, which I am current on the XXXX mortgage and have been. I filled bankruptcy over 13 years ago and have not heard from my servicer until this year. When I filed bankruptcy, I thought my XXXX mortgage was included since I never heard from my XXXX mortgage. For the past 13 years I have been working with SLS and have maintained in good standing on the XXXX mortgage. During the course of this year is when I started receiving phone calls about my XXXX mortgage being in default and that it is in foreclosure status, while giving me no further information on a loan that hadnt been active for 13 years or the courses of action that I could take to obtain information or get better details on how to try to resolve this issue. I have continued to try and see my options might be and the only resolution that was offered to me by SLS was a modification without any documents but wanted {$27000.00} within 20 days and a signed modification which only last XXXX years, otherwise the loan will need to be sold and terms go back. This loan I have I got back in 2007 where it was stated income no proof of income on an adjustable arm that doesn't cap. As of today 's date, there is {$99000.00} in interest fee, the principal is {$55000.00} I have been trying to work with the lender because I can afford the monthly payment on the XXXX mortgage, but they will not allow it unless I do this modification which is not permeant. SLS said there is no other options no one else to talk to. I am currently working with rural housing to help me get into a modification so I can keep my home. I want to keep this home ; I have XXXX children that have grown up in this home which we love. I continue to hope SLS will work with me l, but it doesn't look that way as I have been served legal papers for foreclosure. Since being made aware of this situation my family and I have been trying to find and seek out options to stay in our home of almost 15 years.

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 2017-02-15
Company: Financial Recovery Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
contacted by Financial Recovery Services ( XXXX ) regarding XXXX Credit Card balance of {$16000.00}, account No : XXXX dated XXXX/XXXX/XXXX. Never had or done business with XXXX. Obtained XXXX Report and there is no such account. However, receiving threatening calls and letter since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had an original loan with XXXX bank.it then became XXXX XXXX bank. the loan was then old to Specialized Loan Servicing ( SLS ) in XXXX XXXX that is when the problem started. I had asked for a repayment plan for the {$1400.00} I was behind. XXXX bank told me all the paperwork for the repayment plan would be forwarded to XXXX. I have been waiting close to two years now for the re-payment plan. I missed another payment but they kept telling me to submit a packet of forms that were for re-finance. after at least XXXX packets, they still did nothing. they keep saying " we are reviewing the forms '' or we need more information. I never asked for a re-fnance. after waiting all this time, about a month or so ago they added on some type of " escrow fee '' for over {$5000.00}. then on my most recent bill they added even more.they gave no explanation for either of these fees. now the bill is over {$13000.00}. I have no explanation as to why. then a few days ago I received a letter saying I had thirty days to dispute the claim, they are trying to do a foreclosure. the back fees due according to them are about {$4000.00}. where they are coming up with over {$13000.00}, I have no idea. there was no prior letter sent. I only received XXXX letters saying I was being assigned a new case manager. 
no mention of foreclosure or why all these other fees were added to loan. I have equity in the house, so I am not understanding why they did not just add the overdue to the loan and refigure the payment amount. it was just that simple. 
I am not the only person having this problem with this loan company. I have the lawyers at XXXX XXXX XXXX, XXXX working on a class Action Lawsuit. there are many comp many complaints against this company. I hope someone stops them from doing this to people.

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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 to the credit reporting act XXXX XXXX XXXXXXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 states that i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish and 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 a late for any purpose

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 2022-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against 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 explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have already filed a complaint against JP Morgan Chase in regards to my mortgage and there lack of professional customer service. I am a victim of financial and XXXX abuse. I am in the process of getting my life in order. I was left with a huge credit debt due to my spouse. I pay my bill every month on-time. I asked if my monthly payment could be reduced temporarily until I weather the storm. I was told by them that they could not help me. I wrote letters to them explaining my situation and still they would not help me because I am current with my monthly payments. I am trying to avoid bankruptcy. I have a court order sale of my house that my spouse is in contempt of. All I am asking from them is temporary help until I am able to get on my feet. They are unresponsive and down right nasty to me. I received a positive response after filing a complaint about there customer service in regards to my mortgage and now I am asking again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have had several calls to my work number after I have asked them XXXX to stop calling my work as I am not allowed to have private calls on the company phone. I have also told them XXXX times to quit calling my cell phone and have blocked XXXX numbers they call from, and they still keep calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Firstsource Business Process Services, LLC
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My loan was through XXXX XXXX of XXXX, I graduated XX/XX/XXXX, XXXX put it into collections XX/XX/XXXX with out notice to revenue services. I contact revenue services made payment arguments, then they closed my account. I was recently contacted by one advantage that stated I had one day to come up with half of the payment and refused to accept anything less, and stated if I do n't they will put my account into collection the fallowing day. Am I still accountable for this account and if so what are my rights? I did pay a one time payment online of XXXX .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation