BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been adding additional funds to my Citi mortgage payments for the past year. My expectation ( and assumption ) was that these extra funds would be used to reduce the outstanding principle. I was shocked and dismayed to learn that Citi had been accumulating the extra funds in a non-interest balance called " future payments. '' The rep on the phone ( who is going to apply 3 payments to my principle - ticket number XXXX ) said that they can not go back more than 90 days, so the " future payments '' balance still has two payments sitting in it interest free while I pay interest on my principle that I can not reduce using those funds. If I want more than my expected payment to be applied to principles, I am required to move my bill payment for the mortgage from my bill pay system at XXXX XXXX to Citi EZ payments or I can call once per month to have it applied. 

I have had mortgages at many banks in the past and made the same excess funds in my payments and have never seen this. This seems debilitating complex to pay down my principle faster than they prescribe and they appear to have engineered this policy to maximize their profits. 

Should it be this difficult to reduce my mortgage?

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 2015-05-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered that I was the victim of identity theft on XX/XX/2015, most likely due to the XXXX breach. I immediately placed a fraud alert on my credit reports and called the creditors. I also requested copies of my credit reports from the XXXX CRAs. I filed a police report on XX/XX/2015, as well as an FTC Complaint. 

I mailed a letter on XX/XX/2015 to Equifax, detailing the information on my credit report that was due to identity theft. This included: XXXX revolving accounts/credit cards that were not mine, XXXX inquiries that were not mine and that I did not authorize, and an address that was not mine. I based this letter off of the FTC guidelines and included the following as enclosures: the police report, the FTC Identity Theft Affidavit, proof of identity, my credit report identifying the information to be corrected/blocked, and a copy of FATCA 15 U.S.C. 1681c-2. I requested that the fraudulent/incorrect information be blocked with XXXX business days, in accordance with FACTA. 

I mailed the letter to Equifax certified mail, return receipt requested, on XX/XX/2015 It was signed for on XX/XX/2015, according to the return receipt. On XX/XX/2015, I received an automated email from Equifax, stating that my reinvestigation was started and that it could take up to XXXX days to complete. I checked my credit report on XX/XX/2015, and found that all of the fraudulent/incorrect information was still being reported. I called Equifax that day and was transferred many times before being connected to the fraud department. I explained that this was not a regular FCRA dispute, but a FACTA dispute resulting from identity theft. I cited FACTA 15 U.S.C. 1681c-2 and stated that the information should have already been blocked, as it was governed by a XXXX day timeline, not a XXXX day timeline. I was told that they were waiting on a response from the creditors. I explained that this was their responsibility, not the creditors, and that it had to be blocked while they investigated. However, the Equifax representative repeatedly said there was nothing they could do at this time and offered me the address to their legal dept. 

As of this date, XX/XX/2015, the items continue to be reported on my Equifax credit report, 16 days and 12 business days after receiving notification. I am in need of a new car, but I cannot apply for an auto loan with these fraudulent accounts and inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted experian requesting removal of XXXX off my credit due to it has been bought by another lender and the amount isnt correct, also when contacting XXXX i asked for a pay for delete they said they cant since it was bought by another lender yet when i sign into my XXXX account its still showing i can may balance. It should be removed for false details. It still remains on 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 2021-05-25
Company: EQUIFAX, INC.
State: GA
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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I accidentally pre-ordered some tickets on XXXX XXXX using my PayPal account I have not received any tickets they have taken about {$3000.00} from me and are holding my money ransom refusing to return it to me PayPal is not helping me they said that they will not be able to help me until after the day of the concert if they still did not deliver the tickets to me I bought them by mistake thinking that they were actual tickets and not a pre-order. The actual tickets on their website are only {$130.00} and they are charging me {$560.00} each ticket I bought four of them. They claim that you are not allowed to sell tickets that you do not physically own yeah here I am one of their sellers fraudulently took my money and they are not helping you refund my money and neither is PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Was not notified of investigation status or results

Complaint:
I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP

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 2016-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
1. We attempted to work on a new loan modification with Bank of America and then XXXX but were denied. For years, we continuously submitted document after document being requested only to be denied for failure to submit documents ( which was untrue ). 
2. On XXXX XXXX, XXXX, Bank of America/XXXX sent my attorney a letter stating they received our request regarding a loan modification and it was referred to a specialist. 
3. On or about XXXX XXXX, XXXX, we received a letter BOA/XXXX, stating that we were denied a loan modification " after being offered a Trial Period Plan or modification, you notified us that you did not wish to accept the offer ''. This was not true as evident by the payments made by us from XXXX XXXX through XXXX XXXX. 
4. In XXXX XXXX, we were offered and accepted a trial loan modification plan. For almost two ( 2 ) years, we were making our monthly payments from XXXX XXXX until XXXX XXXX, without a problem. 
5. In XXXX XXXX, we sent in a payment and our check for the trial period amount was no longer accepted by the bank and it was returned because it was not the full amount. This was through no fault of ours and we were baffled as to why this sudden halt in payments and in the agreement. 
6. After two years, BOA decided to stop accepting the payments from us arbitrarily and without cause. They sent a letter denying their loan modification. 
7. Since then, we have been attempting to return to their modification plan and have received nothing but a mouse chase around from the Bank of America representatives. Our intentions are to keep the home for our family. We were being considered for the Department of Justice loan modification prior to their denial. 
8. We have been attempting for years to work out a deal with the bank. Last year we attempted to work out a keys for cash deal and because we could not clear the title due to old releases not being filed by the banks, however we were unable to do same. 
9. We ca n't provide what we do n't have or ca n't get. 
10. Now we are being told that our home will be put on auction. We feel railroaded and without options other than accepting the auctioning of our home.

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 2021-05-26
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have sent documents to verify my identity to Gemini on the XXXX XX/XX/2021 and have since received no response. Despite numerous attempts at contacting them I am yet to have a response, their customer service is appalling. I am unable to use my account until it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I ca n't get my score anywhere not even XXXX why?

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 2015-05-11
Company: Miller Davis & Peoples
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
i hate doing this. it makes the bank mad and at a tough time for me it takes time. i have emailed XXXX at least twenty times about this issue they seem to have the money to pay people to just secripting me to death. you will have this resolved blah blah spending more money to pay peoiple to send it then to refund me the dollar i ask for in interest DESPUTE its valid and its been returned before. please dont come back with that answer. i have heard it before i have millions of medical debt for my son and a ; lease on a home i own that was defaulted i dont need problems over a dollar. Red tape and bureacracy really impersonalizes the banking industry. I have had to suspend my use of the card. please refund without a script. XXXX forgives my balance. i am a GOOD customer i want loyalty and am tired of scripts. you have spent more sending me scripts in the last 30 days then it would cost to refund me. PLEASE dont send credit card agreement not asking dont need. just need my dollar back please. this whole thing is demoralizing and time consuming.

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 2016-10-14
Company: First Credit Services Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I enrolled my son in a mixed martial arts program and signed a billing agreement with XXXX to make monthly payments until XXXX XXXX, XXXX. 
Roughly two months into the program, my son decided he did n't like the instructor nor the classes and stopped attending XXXX. I spoke with XXXX and they refused to let me out of the contract, so I continued paying the monthly fee ( a total of over {$1000.00} ) even though my son was not taking the classes anymore. 
In XXXX XXXX, XXXX went to the doctor for an unrelated injury, and the doctor ordered him not to participate in any physical activity until after XXXX XXXX of that year. Realizing that we now met the cancellation terms of the XXXX contract, I immediately notified XXXX and XXXX of the doctor 's orders, and attempted to cancel the contract. The only requirement left was to submit a " XXXX '' which I needed to obtain from them so my letter requested that they contact me immediately if I needed to do anything else to compete the request. I NEVER heard from them so I filed away my paperwork, assuming the matter was concluded. 
XXXX XXXX I received a " Default '' letter from them which prompted me to immediately contact them and remind them of my cancellation notice. They then told me that since my son 's physician did not complete a " XXXX Form '', they would not cancel the contract. We then went back and forth over this issue a few times, and I was receiving so many phone calls from them at all different times of day, it was interfering with my job. We were clearly at an impasse and I became frustrated so I told them not to contact me anymore. 
Suddenly, after 2 years of no contact, I have been receiving daily phone calls from First Credit Services, ( XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX ) attempting to collect over {$1000.00} from me for non-payment of this account. According to them, if I do n't pay them immediately, they will severely impact my credit. I have not received anything in writing from them, just the daily phone calls. I am at a loss at this point and do n't know what to do. 
I believe that I fulfilled the terms of the cancellation with the exception of submitting a " XXXX '' but they never sent me one to fill out. I also believe that their insistence that my son 's doctor complete a " XXXX Form '' is not a required component of the contract I signed. form. I respect the sanctity of the contract, but I also do not want to give them anything that I did not agree to. 
I would appreciate any assistance you can give me resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation