BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was XXXX and my XXXX choices were to either confirm my XXXX income, or change my XXXX income. When the window popped up upon login, I could not proceed. When the window popped up after attempting to log out, I could not log out. 
On XX/XX/XXXX I phoned Citi, explained to the representative what the problem was, and asked for this to cease. The representative said she would send email to the proper department stating my request. 
The next day, XX/XX/XXXX, after logging in, I again received the pop up windows asking for my income. That day, I sent XXXX messages to Citi via their website, and received XXXX responses. The final response from Citi stated, " Providing the income information is optional. We have XXXX the online requests for this information. '' On XX/XX/XXXX, when I tried logging out of my Citi account, I was prevented from doing so. The same logout pop up window appeared that I had written to Citi about on XX/XX/XXXX - the pop up that was supposed to be XXXX ( along with the login pop up window ). 
The logout pop up window says the following ( and is similar to the login pop up window ), " Total Annual Income {$0.00} Examples : Salary, wages, interest, dividends, rental income, retirement benefits. If you are XXXX or older, you may include income from others that you can reasonably access to pay your bills. Alimony, child support or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Monthly Mortgage/Rent Payment {$0.00} Make Changes MY INFO IS CORRECT ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a XXXX procedure done so I could not pay my Macy 's bill on time. So I called Macy 's and set up weekly payments, Macy 's has been taking out {$60.00} out of my bank account for the past 3 weeks. Before I agreed to this they Promised me my credit wo n't go down. They lied! I just got an email saying my credit score went down XXXX POINTS because of this. I want my credit score back up or for Macy 's to wipe my Balance clean! I will contact a attorney if I have to I do n't appreciate Macy 's lying to me about my credit!

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 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am in process of doing a Chapter XXXX bankruptcy. My loans were originally with XXXX  XXXX XXXX, they transferred or sold the loan to Specialized Loan Servicing. The problems is that no matter how many payments I make, I am never up to date per them or their system. Since I am going through a bankruptcy they state that they can not provide me with any paperwork on my payments, except through some special request process and it can only go to my lawyer. I have not put this loan in the process and I having been trying to pay my XXXX and XXXX payments, and now they are stating that I owe them from XX/XX/2019 and to become current it will be over {$6000.00}. dollars. I have no idea what is going on why they are saying this and how to make this work as they will not work with me. Please help me, I am already fighting through devastating financial issues and each time I think oh I have a soultion, then another issue comes up based on the fact that I can't fact check or see any kind of information about the amount of money that I owe.

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 2021-01-14
Company: SIMM Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by Simms Associates that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing Simms Associates since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint sent me a message requesting payments for XXXX when I already made all the payments according to our payments plan agreement. They are not reporting the payments as they had made. On XX/XX/XXXX, both payments were taken out of my bank accounts by shellpoint but they are still sending me email to let me know I'm late when this is not the case. I have made all my payments on time and it still showing on their accounts that I still own XXXX payments when I already made them. This is outrageous and unprofessional. I contacted their customer services twice today an they are saying they can't locate my payments and are keep sending me emails about being late. This company need to be investigate because I'm pretty sure I'm not the only one having to deal with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: HW Holding, Inc
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter Warfield failed to contact me after they received dispute letter with in the 30 days. I disputed the debt from a lease because the dates end date of the lease was before the start date of the lease. The lease we signed on XX/XX/2015 and it clearly said the lease started XX/XX/2015 and ended XX/XX/2015. There is an error in the way this lease was written by them and I 'm not at fault for their error. I feel they had a professional duty when creating this leases to be sure all the dates are listed correct. I also ask in my letter to them to notify me in writing by mail and email immediately when they have receive my letter. I only recieved the intial from them and was never mailed anything else about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
My card was used without my permission, consent, or authorization to make purchases and transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

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 2016-07-07
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. 

XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. 

I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. 

Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. 

Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Home Depot credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by XXXX XXXX  that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing XXXX XXXX since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: DISCOVER BANK
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:
XXXX  is reporting a Discover Card account with a balance still owing, but this debt was dismissed without prejudice in court. I filed proof of this document from the court, but they are still reporting it with a balance due. It should not be reported at all and not with a balance owing. I will attach copies of documents if I can here to this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I do not receive statements from Citi. I found this out when I found out I was late on a payment last year and was charged a late fee. The associate I spoke to said that they would return the late fee and confirmed that I was signed up for paperless billing, to an email I no longer have access to. This person did not change it or give me any other options on how to avoid this situation in the future, as I told her I do not use this card often at all. 

I signed into my credit card account on this weekend to see how many Thank You points I had, so that I possibly could book a trip. I then find that the account is in late status for 2 months. This is out of nowhere! 

So I called to have this taken care of. The associate I spoke to this time said that he returned XXXX of the fees and that I would have to speak to customer service to get the other XXXX returned as well. So we set up the payment for the amount owed less the fees, about {$50.00}. I then call the customer service number that he gave me and I speak to an associate who says she is physically unable to return the fee under any circumstances because citi 's policy is to only return XXXX fee in a calendar year. 

Figuring this was impossible I decided to ask to speak with a manager. The manager I spoke to " XXXX '' gets on and echoes what the associate sai, actually more extreme. CITI RETURN FEES TO CUSTOMERS ONLY ONCE PERIOD. I explained to her my problem that I had not been getting my statements and that obviously if I had known or received a call or something, I would have paid it. I was {$50.00}!!!! 

She then explains that I can stop my paperless status to avoid this in the future, which I said should have been done the very FIRST time this happened to me! She agreed and remained firm. In the last attempt to get her to see it from my perspective, I explained that I was late on a {$50.00} charge, and that Citi is attempting to pocket OVER {$55.00} in fees alone for this payment. I explained that this was completely unfair. She then explains that this is part of my credit card agreement. 

I then asked her how I might close out my entire relationship with citi, since it callously treats its customers this way, to which she replied that she would be happy to help me with that. Why she had to be so rude is beyond me. This is ABSOLUTELY UNACCEPTABLE. I am absolutely disgusted with citi. I am ashamed to have my XXXX credit card accounts with them, totaling over XXXX in credit.

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

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 2021-01-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our complaint has to do with the deferred balance on our mortgage of {$140000.00}. Because of the deferred balance, we have no equity in our home and would not be able to refinance to a lower interest rate mortgage. We have submitted a request for information to Rushmore Home Loans and they keep saying it will take some time to send this information, It has been over 3 months. 

This deferred balance was carried over from the previous servicer that held our mortgage. Several years ago, we could no longer afford our mortgage payment because due to the flexible interest rate, the monthly payments to an amount that we could not afford. After meeting with HUD counselors and other counselors and not being able to secure a fixed rate permanent modification to our mortgage with XXXX, to let our home foreclose. It never did. 

A couple years later, XXXX XXXX Loans bought our mortgage and we worked with them and they were able to offer us a permanent fixed rate mortgage. When we signed the papers for the fixed rate modification, we disputed a portion of the deferred balance. This is because a good portion of it was for interest that was incurred at the higher interest rate and had they foreclosed on us, we wouldn't have paid anyway and they would not have received that interest. We did not want to loose our home and we were happy that we were finally able to afford our mortgage payment. We have continually paid on our mortgage every month for several years now. With our busy lives, we had put this matter aside. Realizing that we are getting closer to retirement, we decided we needed to reach out to Rushmore Home loans, the current loan servicer. We requested how we can make payments on the deferred balance as well as a breakdown of what is included in the deferred balance. I have submitted multiple requests and they keep telling me that it will take some time. It has been over 3 months.

1. Deferred balance - We need to know details and also would like it reduced.

2. We need Rushmore to work with us so we can pay toward this deferred balance so we do not have to have a balloon payment at the end of the mortgage. We are 10 and 11 years away from retirement and do not want to loose our home. 

Thank you, XXXX XXXX. & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am experiencing ID Theft since XXXX.A Con artist made a change of address without knowing at XXXX and started receiving my mails included new debit, check stuffs and new credit card at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CAXXXX  where the criminals uses as forwading address .After found out about ID theft, I treid to make corrections with XXXX, Banks and credit card issuer and seems like they are solved.Now I got an email from Chase bank this Morning where I have new checking and savings said my address has been changed again from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl,XXXX where I live now to XXXX 's address in XXXX XXXX XXXX, CA above. I have to call Chase bank to explain that I did not make change of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2020, I contacted the Three Major Bureaus concerning Chapter XXXX Bankruptcy reported on my credit report. The Bureau sent me s letter, stating that they received the information from the United States Bankruptcy Court, District of XXXX, yet I received a letter from the Bankruptcy Court that they did not send any information to the Three Major Bureaus, therefore they are reporting incorrect information ( see attach ). Also they stated that they received the information from XXXX XXXX, yet I contacted XXXX XXXX and was told that my account was frozen ( see attach ). Therefore when I requested proof to the accuracy of the Bankruptcy, the bureau could not provide me that information, and it's been well over the allotted 30 days that the bureau has to validate ( no verified ), according to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and are in violation of several of the General Rights and Obligations of NRS, including NRS 598 C. 130, NRS 598C, 160NRS 598C. 170, NRS 598C 190 and NRS 598C.200.

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 2021-01-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CL Holdings LLC
State: GA
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:
On XX/XX/2020 Jefferson Capital Systems add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and say it belongs to me. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation