BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-29
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I opened a Citigold checking account with promotion code : XXXX. This promotion offered XXXX XXXX XXXX miles after meeting the following requirements : 1. Open a Citigold Checking account by XXXX/XXXX/XXXX - COMPLETED 2. Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card - COMPLETED 3. Within 60 days after account opening : Make XXXX qualifying bill pay in two consecutive calendar months - COMPLETED It says the miles will post within 90 days of the end of the month that you completed the requirements. 

I completed these requirements XX/XX/XXXX. On XXXX XXXX, XXXX, I sent a Secure Message to Citi asking them to confirm my eligibility and whether or not I have met the requirements. I got a response on XXXX XXXX, XXXX indicating that I was in fact eligible and I did meet all the requirements. They also said I should receive my miles by the XXXX XXXX statement. 

I called Citi on XXXX XXXX, XXXX asking where the miles were and when I can expect to receive them. They opened up a case to investigate. On XXXX XXXX, XXXX, I received the results of the investigation and was told I was not eligible for the promotion and I will NOT be receiving the miles. This is the exact opposite of what I was told back in XXXX. Back in XXXX, the Citi rep confirmed I was eligible and that I would receive the miles by XXXX XXXX statement. 

How was I eligible in XXXX, but all of a sudden when it comes time to " pay out '' the miles, I am ineligible? That does not make any sense. It looks like a bait and switch to me.

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 2017-05-03
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: IL
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/XXXX, I attempted to pay off the balance of a loan in exchange for the contract and remaining balance of the loan. I requested this information by XX/XX/XXXX. I did not receive a response. I sent another letter on XX/XX/XXXX extending the offer to XX/XX/XXXX. My letter was still ignored, which translates to the company refusing payment. On XX/XX/XXXX, I sent letters to XXXX, XXXX, and Experian informing the reporting agencies of the past mistakes of the company such as misreporting, and repossession of my vehicle. XXXX XXXX XXXX is now reporting a delinquency to the credit reporting agencies. I sent the credit reporting agencies copies of the letters and certified mail receipts to investigate. I was informed by the Experian dispute representative that they sent over the documents to XXXX, opened an investigation on XX/XX/XXXX, and closed it on XX/XX/XXXX because XXXX verified the information they were reporting was correct. I was also told by the Experian dispute representative that they DO NOT have to obtain proof from the furnisher regarding any item that is disputed by the consumer, as that IS NOT their job. XXXX XXXX XXXX verified the information to be correct without providing any proof adverse to the documents I sent in for the item to be removed from my account.

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 2016-04-23
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Transworld Systems Inc on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Transworld Systems Inc still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am extremely upset with Everbank and I need to CFPB to help. I am  XXXX   XXXX    XXXX   and they are discriminating against me. The sales practices are deceptive, and they are also committing predatory lending. My ex-wife and I got divorced and that was finalized in   XXXX   XXXX    . Per our divorce decree, I was keeping the house in the divorce settlement. I was advised by  XXXX  legal that because our mortgage is a VA mortgage we could complete an assumption instead of having to refinance to get my ex-wife off of the house. I called Everbank and spoke with  XXXX   XXXX  in  XXXX    XXXX  , who stated that No, Everbank does not do assumptions and they dont have any way to do them. I had to refinance since that was the only way to get her off the house. He then quoted me about {$8000.00} to refinance. When I told him I didnt have that kind of money, he told me to shop around and if anyone else got me a better deal on closing costs he would match it. I shopped  XXXX  and  XXXX   XXXX , who both advised me that I did not have to refinance ; I could do an assumption because it was a VA mortgage. I called  XXXX , and again he claimed to know nothing about that. I went directly to the VA, who confirmed that yes, by regulation Everbank has to remove my ex-wife from the house once they have approved the release of liability. The VA approved the release of liability in   XXXX   XXXX   XXXX    . I sent everything to Everbank the same d ay ( div orce documents, quit claim deed, VA approved release of liability ). Everbank will not remove my ex-wife from the mortgage. They keep insisting I refinance, and every time I call or my ex-wife calls they give us a different answer. By federal law and regulation, they have to adhere to the VAs guidelines, and they just wont. They wont help me because theyre not making the money off refinancing from me. Now theyre saying they will just stop reporting to the credit bureaus for my ex-wife, but she has to stay on the mortgage WHICH MAKES  XXXX  SENSE. I have sent them the lenders handbook, which states she needs to be removed from the mortgage and outlines that they can not charge more than {$350.00} to amend their documents, but they will not do anything about it. Now theyre saying that the person in charge of this request is  XXXX   XXXX  who is the same person that told me Everbank does not do this kind of thing and he will not help me or return my calls. I think he just wants the commission to refinance.  XXXX  and everyone at Everbank are extremely deceptive. The customer service agents talk down to me, and I feel as though it is because I am in the  XXXX . I just want them to remove my ex-wife from the mortgage per the regulations! They also only have 30 days to do it which is about to be up in 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Under the laws of the Fair Debt Collection Practices Act ( FDCPA ), I have requested for Collection Consultants to validate the alleged debts being reported on my credit report with XXXX, and XXXX I sent them a written request dated XXXX XXXX, 2016 via certified mail, which the online return receipt shows it was received and signed for on XXXX XXXX, 2016. Collection Consultants has not only failed to reply to my request for validation within 30 days of them receiving this request, but have violated federal law and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

I made a second written request dated XXXX XXXX, 2016 via certified mail, which both online and hard copy return receipts show Collection Consultants received my letter on XXXX XXXX, 2016. I reminded them that their failure to reply to my original request for validation of the alleged debts being reported, nor providing viable evidence, is a clear violation of the FDCPA. As such, I requested for them to validate the alleged debts by providing viable evidence or have the alleged derogatory accounts deleted from my credit reports immediately. As of XXXX XXXX, 2016, Collection Consultants has failed to reply for my request for validation of the alleged debts they are reporting but also not provided any viable evidence to support their claim. 

Please note that Collection Consultants was originally reporting to the credit bureaus the following accounts as being derogatory prior to my request for validation.Since then, Collection Consultants has continually disregarded federal law but has taken the initiative to report XXXX more derogatory accounts to the credit bureaus without advising me in writing as law dictates. I am enclosing copies of my written requests, online confirmation return receipts, and credits reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying on my student loan for over 10 years, how do I still have a {$21.00},  XXXX  balance?     In  XXXX  I fiel d Chapter   XXXX , my bankruptcy began paying {$500.00} towards my student loan for at least  3 1/2  years. {$500.00} for 30 months is around {$15.00},  XXXX . After the bankruptcy was  discharged  in  XXXX  i continued making payments and balance is still not decreasing. What is  Navient d oing with my money? Ive tried contacting them and get the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute  to have a Public Record  removed from my Transunion and   XXXX   credit report because the Tax Lien was satisfied but they did not remove the record, it still shows on my credit report. This tax lien has been satisfied, but it is being reported as a derogatory/negative remark on my credit report. This should not be listed on my Credit Report and I would like to have it removed, as it is hurting my credit score  and causing me to be denied for things that I need. I have attached a copy of the tax lien satisfaction.

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 2016-12-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.

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 2023-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLL has been reporting a collection on my account in the amount of {$490.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX XXXX I sent Navient a payment for {$28.00} to satisfy the final amount owed on my student loans. On XXXX XXXX XXXX Navient cashed my check for {$28.00} according to my records on my XXXX XXXX XXXX account. Navient has yet to apply the payment to my account. I contacted Navient on Wednesday XXXX via telephone and spoke to a customer service representative about the issue. The representative told me to fax in a description of the issue and any documentation I had. I sent this info on Wednesday XXXX XXXX to XXXX at XXXX XXXX ( with a successful transmission confirmation ) and have yet to hear a response even though the customer service representative told me I would receive a response in XXXX hours. On Tuesday XXXX XXXX I followed up with Navient by sending a XXXX and direct message to their XXXX account and emailing XXXXXXXXXXXX. The XXXX representative responded to my message by saying they would review and get back to me in XXXX hours. I have yet to receive any further response and not acknowledgement of my email or issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am the power of attorney on a Bank of America checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Bank of America 's failure to reasonably accommodate them.

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 2017-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
According to the false accusations on the paper work it say  XXXX  and I was not aware if it I would think that someone would call they said it was done via web. And I do not get in there as well as j do not know how come no calls no letters Nothing until the gentleman pulled up  XXXX  so I call remarks from company '' sir please get an attorney we no longer shall speak to you. Now you never have until then and wow that 's what I was thinking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son had services rendered from XXXX XXXX XXXX based in XXXX, AL in XX/XX/XXXX. At the visit I paid a {$20.00} copay, posted on XX/XX/XXXX to my HSA account. I received a bill in XXXX of XXXX for the remainder and paid the bill of {$72.00} on XX/XX/XXXX. 

I received a call from AmSher, a collection agency in XXXX, AL on XX/XX/XXXX, advising, very forcefully, that I owed money and refused to give me details until I provided them with my childs personal information. As a minor, his information should NEVER be given and I asked if I could give mine since I was the responsible party. She advised no and was very rude. I hung up and called back to speak with someone. The next person advised me that XXXX XXXX XXXX has sent the bill to collections on XX/XX/XXXX and I could email her my paid receipt and they would remove it. 

I emailed my receipt on a XX/XX/XXXX and called XXXX XXXX XXXX to ask them to remove from collections. I left a message and no return call. I received a bill from the collection agency, AmSher, on XX/XX/XXXX stating a bill date of XX/XX/XXXX, 3 business days after I had advised and shown proof it was paid. I still can not get a call back from XXXX a XXXX XXXX and have identified 20 or more people this company is sending medical debts to collections for paid bills in my community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with CitiMortgage that I 'm trying to get modified. 
On XXXX, XXXX, 2016 CitiMortgage sent me a letter stating that my loan was being reviewed for modification and a request of document listed. 
CitiMortgage currently has a sale date of my home for XXXX XXXX, 2016. They will not cancel or postpone the auction for me while they are reviewing documents. I believe this is dual tracking as they can sell my home while I am being reviewed for a modification by the underwriter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
American Express recently lots XXXX business now they refuse to give me old statements I ahve done business with AMEX for years and over night they took all my online history off and will not allow me to view my AMEX history. 

I feel like they are acting like a an upset child who lost a game and took their ball and went home.. 

I have viewed my bill and paid them money for years then they take it all away and point fingers .. All I am trying to do is find a transaction

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