BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.

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 2020-02-27
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XXXX I had a Nordstrom 's card. The day I bought a suit, they offered me a card. I accepted. They ran my credit and put my purchases on the card. They never sent me a card. A few months later it went on my credit report. I explained what happened and they refused to take the info off of my report. Angry, I paid off the balance and closed the account. In early XX/XX/XXXX, I received two pieces of mail. They reopened the account without my authorization. This is fraudulent and it is unacceptable. Somebody could have intercepted it. It took me all afternoon to get the account closed. Furthermore, they told me I had never closed the account. This is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CITIBANK, N.A.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am reaching out to you in regards to a loan that I paid of with Citi financial. My loan has been paid in full since XXXX XXXX and I can not get the proper releases from Citi to be filed after 7 months of asking for them. The original loan was taken out with XXXX XXXX XXXX XXXX Of Oklahoma. Citi bought XXXX out and I was notified that my loan was included and transferred. After years of my loan being transferred from one company to another and state to state, I made the decision to pay them off. I contacted Citi for a pay off by XXXX XXXX, a verbal quote was made and I also received a written letter. Citi was sent a check and paid of on XXXX XXXX, XXXX. I in return received a check for the difference of {$24.00}, with the envelope being stamped XXXX XXXX, XXXX. With the understanding that Citi had 30 days to release my property. The lien against my property consist of 2 different counties, I reminded Citi of this and ask for a releases in both counties. On XXXX XXXX, XXXX an attempt was made to release the land in XXXX county, but according to an attorney the release does not meet the Oklahoma Statues for proper format because the release was done by Citi and the mortgage was originally made with XXXX. There has to be an Assignment filed moving ownership of the XXXX XXXX to Citi. On XXXX XXXX, XXXX I sent Documents via Certified Mail and return receipt of signature to Citi. The packet included 1 ) A letter 2 ) Copy of recorded mortgage for XXXX County 3 ) Copy of recorded mortgage for XXXX County 4 ) Copy of release of mortgage which is not done with proper authority 5 ) Copy of Oklahoma Statues for lenders to get proper release of mortgages filed within 50 days of receipt of funds. Note penalty starts within 10 days of this letter. <P/>I received a return signature card from Citi. But they still did not file the Assignment of Mortgage and Release of Mortgage in both Counties. After contacting Citi again  on XXXX XXXX, XXXX, they said they did not receive the documents I mailed. So I Faxed them 11 pages of documents on XXXX XXXX, XXXX, same ones I mailed and they signed for in XXXX. I then receive a Assignment of Mortgage filed in XXXX County stamped XXXX XXXX, XXXX, but no mortgage release in XXXX County. On XXXX XXXX, XXXX I contacted Citi again, once again explaining that I need both papers filed in both counties. Citi informed at this time they had 30 days to get the release 's filed, I informed them that they have had 7 months to get this done and I was going to file a complaint with the Consumer Financial Protection Bureau. Citi then argued with me and said they filled a mortgage release in XXXX County on XXXX XXXX, XXXX and was working on XXXX County. I went to XXXX County Court House the next day and there was no release filed. I do n't know how I can explain it any clearer to them, they refuse to get this matter taken care of. So this is why I turned to you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing the accounts w ith AMERICAN EXPRESS   XXXX  AND  XXXX  I have reported the account with fraudulent activities I requested your company to review the account balance at  XXXX  &  XXXX  I never used that amount of my credit LIMIT someone got my credit card information and used my credit limit to the point where I had to close the account I should not be responsible for the charges from the months of  XXXX  2007  and  XXXX /2007. I have provide your company with the FTC AND POLICE REPORT ABOUT THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Harley Davidson Financial Services Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX have received several calls from a debt collector hired by Harley Davidson Credit. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called XXXX XXXX XXXX claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. XXXX XXXX XXXX , XXXX is third party debt collector located in XXXX, Arizona. XXXX has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX. I have never received one collection letter from XXXX, and I want to resolve this matter professionally but in written correspondence only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Federal Financial Services Inc
State: OH
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 had a collection appear on my XXXX  credit report from this company. I have no knowledge of this collection. I have sent multiple letters asking to verify the debt, I have called and received no help in verifying this debt. Multiple attempts have been made over the last 4 months with no success. This account is not mine and needs removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax still has information on my credit report stating past due student loan balance with  U.S. Dept of Edu. M y loans have been transferred to  XXXX   XXXX   XXXX  ; I been paying them since   XXXX  . My credit score is very low because of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My Equifax report for my XXXX creditcard ending in XXXX is currently showing no payment status on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out an original loan for  XXXX  dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around  XXXX  for the full term but they charged me over  XXXX  for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over  XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally  XXXX  you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a business credit card. It should not be reporting to my personal credit report. I have requested they stop reporting business debt onto my personal credit, which is impacting my scores and hurting my chances to obtain other financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
BANK OF AMERICA XXXX XXXX XXXX XXXX IS NOT AUTHORIZING ME TO BEING REIMBURSED FOR SERVICES WERE NOT RECIEVED. PROBLEMS COMMUNICATING WITH ME AND OR RESOLVING MY ISSUES. PAY DATES AND AMOUNTS ARE INCORRECT

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 2020-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I COMPLETED A TITLE SEARCH ON MY PROPERTY AND FOUND AN ABSTRACT JUDGMENT OF {$4300.00} FROM ASSET ACCEPTANCE LLC. THIS WAS A CIVIL JUDGMENT FROM  XXXX   XXXX  CIVIL COURT. THIS JUDGEMENT ALONG WITH THE ORIGINAL DEBT WAS PLACED IN MY CHAPTER  XXXX  BANKRUPTCY WAS WAS FILED IN  XXXX  AND DISCHARGED IN  XXXX . THE FIRST THING I DO WAS CONTACT THIS COMPANY ASSET ACCEPTANCE LLC TO DISCUSS THIS ISSUE. THE PERSON IN CHARGE OF MY ACCOUNT IS NAMED  XXXX . SHE STATED THAT THEY WERE NOT AWARE OF ANY BK. AND THAT I NEEDED TO MAKE A PAYMENT OR SETTLE TO REMOVE SAID LIEN. I EXPLAINED THE SITUATION AND SHE INSISTED ON MAKING A PAYMENT. I ASKED HER TO SEND ME A DEBT STATEMENT OR INFORMATION. SHE STATED SEVERAL TIMES IN ORDER FOR HER TO PROCEED I NEEDED TO MAKE A PAYMENT. SHE BASICALLY WANTED ME TO ASSUME A DEBT THAT HAS BEEN DISCHARGED IN BK IN  XXXX . AND I TOLD HER I WANTED THE LIEN REMOVED AND SHE STATED TO PAY. I STATED I WOULD GO TO CIVIL COURT AND GET IT REMOVED. AND I WANTED TO TALK TO HER SUPERVISOR. SHE STATED SHE HAD NO SUPERVISORS AT THE MOMENT AND THAT HER 'S WAS GONE FOR A WHOLE WEEK. I NEVER RECEIVED A CALL OR BILL FROM THESE PEOPLE AND THEY ARE STATING OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, money was sent to me, over the pay anyone option that Chime offers. It is supposed to send an SMS link to a phone number, rather then sending to a Chime account, my phone number was used for {$3000.00}. There was a confirmation asking do you want to send to the phone number, but there was NOTHING showing that there was a chime account that it would be sent too. It was not to be sent to a chime account, that's why pay anyone, off chime, was selected. So my phone number did not receive the SMS, someone else 's chime account, who was using my phone number without my knowledge received my payment automatically. I called to dispute this unauthorized payment immediately. To be denied in less then 24 hours. I have sent more then enough evidence to show that this was an unauthorized payment to whoever received it. I attempted a rebuttal, to be denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On or around XX/XX/2020, Bank Of America allowed a wire transfer from my account ending in XXXX to transfer in the amount of {$20000.00} to be transferred to XXXX XXXX  located in XXXX. Then again on XX/XX/2020, a second wire transfer from the same account, for the amount of {$23000.00} to be sent to XXXX XXXX  in XXXX. Both of these transfers were done fraudulently via romance scam. Bank of America allowed these funds to be cleared for wire transfer though the amount had hall marks for fraud. Bank of America demonstrated poor practice in allowing fro both wire transfers to be go through to the bank in XXXX, thus Bank of America allowed me to be victimized by this scam.

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 2021-02-20
Company: MoneyLion Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I believe my identity was stolen. I never opened up or even heard of the bank money lion until they took {$290.00} out of my bank account. They wont answer phone calls or emails. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: RMA Credit Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recived an invoice for a family member who was seen by this office. I have never received any care whatsoever by this office and already asked for them to submit written proof to me which has never been done. This information stating I owe {$84.00} needs to removed/redacted from my report as its in violation of The XXXX XXXX and XXXX XXXX. 

Warmest regards, 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 2022-04-03
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I described in detail and it was erased. I never requested new credit cards from my ank! They just changed my cards to give me better advantages to used the cards ( from the SAME bank ). Chase is my bank! They kept the same acct numbers, just changed the type of cards I gotl

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  XXXX which resulted in serious complications from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. This account has been paid. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

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