BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Obligation owing to Citibank , N.A . / CITI MASTERCARD Judgement Case No. XXXX Account number ending in XXXX Current balance : {$3600.00} SETTLEMENT OFFER # 1 FOR {$2100.00} ACCEPTED AMOUNT PAID IN FULL ON XXXX/XXXX/2016 METHOD - CHECK BY PHONE On XXXX XXXX, 2016, I spoke with XXXX XXXX, a negotiator at XXXX XXXX XXXX XXXX, regarding this matter. I accepted the lump sum payment settlement offer of {$2100.00}, and paid the amount in full over the phone ( check number XXXX ). I have enclosed a copy of the statement which was sent by XXXX XXXX XXXX XXXX, selecting option 1 as instructed by the negotiator. I received a Locator confirmation number of payment in full, which is XXXX. 

I have fulfilled all requests made by XXXX XXXX XXXX XXXX. By doing so, I was informed that this judgement will be removed from my credit, and that I would receive a copy of a " Release of Judgment '' by way of mail. My credit is important to me. Paying my debt is equally important. 

As of today, a Satisfaction Release of Judgement letter has not been sent to me, the court system still show the judgment is unsettled, and all credit reporting agencies show that I still owe for this judgment. 

I am trying to do my part as a productive citizen. What good is it to pay my debts, if my credit is still in ruin? Please help me. 

Thank 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 2020-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My employment status change to XXXX and I dont know who the company is please help..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. 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 Inquiry : XXXX. XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Ragan & Ragan, PC
State: NJ
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:
XX/XX/XXXX Ragan & Ragan PC, has continued to willfully violate my cease and desist of communication. They are still responding with no regards to 15 USC 1692c they should not communicate with me except to advise me of their termination of their collection efforts. See CFPB Complaint # XXXX. The FDCPA is a strict liability statute and when debt collectors fail to comply with the requirements of FDCPA they are held liable to {$1000.00} per violation. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). Their continued communication while Im at work has cause great stress and anxiety and poor work ethic and humiliation. These injuries and damages are also causing marriage problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working on a short sale with my mortgage lender for over 6 months. We have a buyer that is meeting the lender requested value based on the appraisal of our home. The lender is stating they are waiting on a variance from HUD to schedule settlement of our home. Our mortgage lender is stating they can not guarantee the scheduled XXXX sheriff 's sale will be postpone. Please work with my mortgage lender to allow us to continue with the short sale of our home and delay the pending foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This is unacceptable.

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 2016-07-23
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was induced to sign up for a CitiGold checking by a promotional code that I received. The XXXX checking account has a monthly fee of {$30.00}, which I have been paying since opening the account in XXXX 2016. The promotional code, XXXX, was for XXXX XXXX XXXX points. I called Citibank and spoke with XXXX, employee code XXXX, on XXXX XXXX, 2016, at which time XXXX confirmed that I was eligible for the promotion and would be receiving the points when the requirements were completed. Further, on XXXX XXXX, 2016, at approximately XXXX, I engaged in an online chat conversation with Citibank representative XXXX ( see attachments ). During my conversation with XXXX she assured me that I was eligible for the promotional code and that I would receive the XXXX XXXX points within 90 days of completing the requirements. I completed all of the requirements for the promotion on XXXX XXXX, 2016. Pursuant to the terms and conditions of the promotional offer, I should have received the XXXX XXXX points from Citibank on XXXX XXXX, 2016 : which was the 90 day mark from my completion of the requirements for the promotion. Having not duly received the XXXX points, I contacted Citibank on XXXX XXXX, 2016, to see when I would be receiving the points. They stated that they were " backed up '' giving out points to everyone and they would need to investigate my eligibility. I informed the Citibank representative that I had confirmed my eligibility in XX/XX/XXXX ; furthermore, I informed the representative that I had a screenshot of a conversation confirming that I was eligible for the promotion. The representative said they would still need to investigate, at which time I requested that they contact me via email once they determined my eligibility. On XXXX XXXX, 2016, I received a secure email stating that there was not an AAdvantage Miles promotion offered in conjunction with the opening of this account. However, the undeniable evidence confirms that I was eligible for the promotion. I request that Citibank honor their promotion and provide me the XXXX XXXX points that I was promised under the terms of the promotion, confirmed during my phone conversation with XXXX, and reconfirmed during my online chat with 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 2019-10-20
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  is reporting an old account on my report, via American Express, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand American Express provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both American Express and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe American Express a dime, and they know it, and XXXX   should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've had a similar problem with this company before. They recently added two new medical debts to my credit report 1 with balance of XXXX and another with a balance of XXXX I've never received anything about either of these accounts from them. This company believes they can do whatever they want without consequence. The are violating my rights and its not the first time. 

accounts show as XXXX XXXX both are reporting with dates they I had no medical work done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: LEXISNEXIS
State: VA
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 have filed dispute after dispute and also suppressed my records with LexisNexis due to them reporting inaccurate information in my public records and stating that the pacer service center provided this information. This is pertaining to a bankruptcy that I filed in XX/XX/XXXX and it was closed on XX/XX/XXXX and it was dismissed not discharged LexisNexis verified this information as accurate when it fact it is not accurate an causing total harm to my credit file. So I contacted the XXXX XXXX XXXX and was able to obtain proof from them that this case was in fact dismissed and not granted a discharge and they also provided documentation. 

XXXX I.D . XXXX Debtor Disposition : Discharge Denied Pending status case closed Flags : Repeat CLOSED Filed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
XXXX/Citibank opened more than 25 years ago I wrote both companies, called both companies. I filed an Unemployment claim back in 2013 at No time did either state. I did not have coverage. Now I am told that the coverage I had expired prior to my claim. Nothing was ever sent to me nor was I told until I tried to get them to pay. Sadly, I purchase something that when I needed it I am told I have nothing. I can not trust this is truthful as the argument previously by XXXX was it as Citi 's place to pay this account off as n insurance claim. Instead it was sold to a Collection Agency when it was an Insurance Claim. I need your assistance to get this paid and resolved.

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 2015-06-11
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX continues billing me for a debt that is not mine. I had shut down services and moved and have proof of it, yet they continued billing me. Now they have a debt collector after me even though I have sent the collector a certified letter to stop contacting me, yet they continue to. 

They reported negative report on my credit that has harmed my credit rating without proving the debt is mine, I have asked them to remove the negative report, they ignore me. 

They have called my family, revealing they were a debt company looking for me because I was visiting my family when they did so, which is in violation of my rights. They have violated several debt collection practices, and hurt my family relations as well as my credit. They ignore my letters, which, by law, they were to have stopped sending me collection bills. They obviously think they 're above the law or no one knows their rights. 

I have been harassed for 10 years regarding a debt that is not mine, and is also in violation of debt collection practices because there is a 6 year statute of limitations on debt collection in Massachusetts. They have hurt my credit score for years now, and I want restitution for the damages they 've done to me! 

They fail to obey every aspect of Fair Debt Collection laws, disregarding letters and time limits to collect debts. I hope the FTC will be able to do something to them that I can not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter requesting an investigation for inaccurate accounts listed on my credit report. It has been 4 months and I still haven't received any results of an investigation and these accounts are still showing on my credit report.

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 2021-03-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In spite of the fact I have a XXXX credit score and make {$250000.00} and have never ever been late on a payment, JPMorgan still denied my credit card application. This is XXXX redlining ( I am not XXXX ) because there is no other plausible reason for my application to have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: NY
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:
FRAUDELENT ACCOUNTS ON MY CREDIT REPORT THAT DOESNT BELONG 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 explanation
Consumer complaint received 2021-03-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, Citibank mailed via US Mail a solicitation that stated : " Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' It seemed too good to be true, but I thought Citibank was a reputable firm and believed it. 

Relying on their statement above, I made purchases that I likely would not have made had Citibank not represented that no interest would be charged on the purchases. 

On my statement dated XX/XX/XXXX, Citibank has already billed me for one day 's interest - {$20.00} - on PURCHASES MADE PRIOR TO XX/XX/XXXX, and it appears that they intend to bill me about $ XXXX/month for those purchases which were represented as interest free. 

Their offer contains other confusing language which didn't seem to have any impact on their statement " '' Effective XX/XX/XXXX, your APR has been lowered to 0.00 % for PURCHASES MADE THROUGH XX/XX/XXXX. '' Please cause them to reverse all accrued interest on charges made XXXX and cease billing interest for same. 

I hope you are doing ok during the COVID crisis. What a nightmare this is.

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 2018-06-28
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked my credit report to see a new account listed in collections from Midwest recovery systems with account originating from " XXXX XXXX XXXX  XXXX '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a XXXX XXXX XXXX store nor have I made any kind of {$30.00} payment towards a Payday loan. I checked online to see what the requirements were for application for a Payday loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the Payday loan company to approve the loan. Or this Midwest recovery systems company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief