BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 XXXX XXXX XXXX, XXXX, submitted a loan modification application to Citi Mortgage on behalf of XXXX XXXX XXXX. We received a missing document letter from attorney XXXX XXXX, of XXXX XXXX, attorney 's for Citi Mortgage, dated XXXX/XXXX/16 and another XXXX on XXXX/XXXX/16. Each time we immediately submitted the documents requested to bank 's attorney. 
On XXXX/XXXX/16 an email from attorney XXXX XXXX stated that the loss mit review had been completed and the file had been sent to underwriting. It sated that it would take another 2 weeks to complete underwriting review. 
No new update past 2 week review period. 
On XXXX/XXXX/16 a new email was received from attorney XXXX XXXX, which stated that the review was not yet complete. 
Then on XXXX/XXXX/16 a new email from attorney XXXX stated that she would follow up with her client for an update. 
It has been forty seven ( 47 ) days since the file was sent to underwriting and we still have not gotten a decision on the loan modification.

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 2017-03-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a bust buy credit card to earn 10 % cash back, when i received my credit card statement I went online and paid the balance due in full. The payment due date was XX/XX/2017 which was a Saturday, on Sunday XX/XX/XXXX i paid the balance in full typically when a payment is due on a weekend you have until Monday to make the payment. Furthermore when I logged in on Sunday the balance due in full reflected the same amount as my statement. I paid the entire balance a figured that was it. I never received another statement. On XX/XX/XXXX I received a message from the collections account stating I had a balance of {$140.00}. I called and they said I was emailed a statement on XX/XX/XXXX which I did not receive, it was not in my spam either. When I logged in on Sunday XX/XX/XXXX and paid the balance the account said was due in full of {$4400.00} that should have been the final balance. Again I was 1 day late but it fell on a weekend even when that happens with my mortgage they waive the fee if Payment is received by Monday.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX 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 2017-05-22
Company: Freedom Mortgage Company
State: CA
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:
On XXXX XXXX, 2017, I was referred to Freedom Mortgage company in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to XXXX ( freedom mortgage company used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running 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 2015-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written Transunion for help but to no avail. XXXX XXXX # XXXX is showing in the payment history as a recurring chargeoff/collection. This is inaccurate, it was a repossession.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

XXXX CHARGED OFF Account info Account name : XXXX XXXX XXXX  Account numberXXXX  Account type : Auto Loan Responsibility Individual Date openedXXXX Status Closed. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updatedXXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$7100.00} Highest balance {$0.00} Terms 44 Months Account info Account name : XXXX XXXX  Account numberXXXX Account type : Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, XXXX written off. {$11.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$14000.00} Highest balance {$0.00} Terms 60 Months On record until XX/XX/XXXX Account info Account name : XXXX XXXX XXXX XXXXXXXX Account numberXXXX Account type : Collection Responsibility Individual Date opened : XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00} Balance updateXXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$2700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Note : My address is XXXX XXXX XXXX XXXX XXXX. I have sent a dispute letter in regards to this to XXXX and Transunion. This is unfair practice and it violates my right under : 15 USC 1681 622A- Right to privacy 15 USC 1681 604A Section 2 : A Consumer reporting agency can not furnish an account without written instructions.

I am asking for a monetary fine furnished to me for violation of {$100.00} up until {$1000.00} or a removal off of my XXXX and TransUnion reports. I do not owe on these closed and charged off accounts

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 2015-08-31
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Home Depot sold me a credit card a couple of years ago by offering an immediate savings on something I bought. I agreed to take a small balance card and took good care of it until a few months ago. I had n't used the card for some time, but when I looked at the bill today, it had a balance of {$75.00}, with the only new charge being a {$37.00} fee. I did not expect to pay {$35.00} per month for a card I use very infrequently, and so I called the XXXX number for account inquiries. I asked how long they had been making these charges. Instead of answering, they made confusing assertions that maybe I had not paid the last {$18.00} on a bill at one point, though they admitted I had no prior problem with the account. So, they said, it was only " fair '' that they charge me {$35.00} per month thereafter. The " escalation desk '' admitted to making multiple charges, but would not admit to the total or adjust the balance except for the most recent charge. After I repeatedly asked, the individual finally admitted to working for CITIBANK. So I will return my card to the Home Depot branch that sold it to me and tell my story. 
This behavior is obscene, and I thought it had been dealt with in the context of recent financial reforms. If you do n't regulate this kind of gouging, what DO you regulate????

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 2017-08-11
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX is reporting the last 3 months late. Im actually enrolled in a consolidation program that is making monthly payments to XXXX XXXX so there is no way this account is behind. XXXX XXXX XXXX has a late mark for XX/XX/XXXX. Not only is this over three years old, but I have been in college for the last 5 years and finally graduate next year with my XXXX in XXXX XXXX XXXX. This is incorrect as I have not been required to pay my student loans while still in college. XXXX XXXX XXXX, my Credit Card was stolden in XX/XX/XXXX and I was issured a new credit card. Somehow my credit card doubled in just late fees and became out of control. I tried to work with the company but they would not offer any financial assistance programs to lower my payments as I was willing and wanted to pay but just couldnt as it was made impossible by XXXX XXXX. I then set up XXXX XXXX in the XXXX XXXX XXXX XXXX as requested by XXXX XXXX we made a {$60.00} payment to be considered for this debt program so I could make lower monthly payments. However my XXXX bill reflects the {$60.00} payment, but was immediately turned over to a C/O when I already made arrangments to pay. I was not given any time to make this account right and have the hundreds of dollars in late fees removed so I could actually pay the credit card company the amount I charged. Now over half the bill is just charges, no actually charges were posted to this credit card after my replacement credit card in XX/XX/XXXX. 2nd XXXX XXXX XXXX XXXX, This account is currently enrolled in XXXX XXXX XXXX and has been paid every month on time. There is no late payments as XXXX XXXX agreed to be enrolled in the debt program and get monthly payments like XXXX Credit card. American Express account was closed in XX/XX/XXXX and charged off in a bankruptcy that is over 2 years old.  This doesnt not need to negatively impact my credit score or have any negative comments as this was not a neglected account. I was granted a bankruptcy by a judge which I paid for the bankruptcy so I wouldnt have late payments or a charge off reported. I tried to do the right thing with what I was able to do at the time. I just got this American Express card and my exhusband got ahold of my credit cards and maxed it out. Once I was divorced I filled for thousands of dollards in debt do to my 4 month marriage to a XXXX XXXX that took advantage of my perfect credit. I 'm still paying for that short mistake to this day. XXXX XXXX XXXX-XXXX DOCKET #, there is no benefit to any for this to be displayed on my credit report. It state date paid was XX/XX/XXXX. Please remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have contact XXXX XXXX several times, and every time I dispute the amount shown on my credit report they indicate I owe it to them. I asked them to show me proof of my signature and all they send back is that the debt is valid. I would like for them to show me my signature for the loan they say I owe. They have still yet to provide me with proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I made application for a personal loan with Navy Federal Credit Union. Navy Federal Credit Union denied a loan that was essential to the Consumer. They took the funds under cozenage. I would like to invoke my arbitration right against Navy Federal Credit Union. They have conspired against me with the use of deception which serves as a breach of trust and identity theft.

Upon acceptance of the Consumers Source Data that created the securities and interest with Navy Federal Credit Union, dividends were to be electronically transferred back to the Consumers Estate. The investment that was made by the Consumers Source Data with Navy Federal Credit Union were hidden clandestinely from the Consumer and stored in a retirement fund for insurance by Navy Federal Credit Union.

I want to see where the funds were deposited. The Consumer Signature is valued at XXXX USD as required by Navy Federal Credit Union. 
According to 15 USC 1681a ( k ) ( 1 ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act XXXX XXXXXXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 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 a account without my written instructions.

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 2015-11-17
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Delbert Services
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan over the phone with XXXX/Delbert & westernsky for XXXX at a monthly payment of XXXX a month but after 6 months they said I still owe XXXX and they also put it on my credit and they are not even license my husband had past a way and that left me in a bad financial burden but I did pay them what I borrowed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Other Debt : $ XXXX only owe XXXX {$9000.00} {$8900.00} ( - {$36.00} ) XXXXI only owe XXXX currently

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