BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
When leaving to XXXX XXXX military status I am protected under the Servicememeber Civil Relief Act and XXXX reported my information. I settle the case with XXXX because they originally had charged me for cancellation which was disputed and removed from them and i paid the remaining bill of around XXXX dollars to close the account. The only reason why the contracts were broken was due to me changing over to XXXX XXXX status. When disputing this information for the credit agencies, XXXX corrected the matter though I had to dispute it twice. While, XXXX and experian corrected the balance but refuse to remove the account. I was told to contact the company which was already done because that is how I receive the knowledge to send the credit agencies my information to be removed. Therefore, it is now a pointing game on who needs to remove it from my collection account and it is becoming very frustrating when I have a act in place to protect me from all this. Attached are my order from the time I had to leave for XXXX XXXX status proving the time these companies reported me in collection I was XXXX. This information has also been provided to the credit agencies and still they keep declining the dispute even when I called they informed me that I have to keep it on there for 7 years when it should have not been reported in the first place.

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 2016-05-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I would like to file a formal complaint against my loan servicer in regards to my mortgage. On several occasions over the past 3 years Ocwen has continuously ignored my complaints to prove or show cause that they have a legal right to seek any results based on my mortgage. I have sent several request for QWR 's, complaints, dispute of debts and validation of debt letters as well as TILA request. All of which have gone ignored as Ocwen can not prove the validity of the debt or there compliance in this matter. Ocwen has failed to meet any of the " QWR '' under 12 USC 2605 or " RESPA '' request for validation of debt under 15 USC 1692 of the " FDCPA '' 15 USC 1641. All of the above actions have been recorded in the last certified letter that was sent to Ocwen. in this letter it was clearly stated that my mortgage allowed me via contract right under Regulation X ( 24 C.F.R Part 3500 ) to request information from the Servicer. The Servicer ( Ocwen ) has never complied with any of my request and as the letter reads there have been several request over this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
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:
A collection agency is attempting to collect a debt that belongs to my ex-husband. It involves XXXX XXXX. The debt has been reported on my credit reports. 
My name was NEVER on the account. When I was married, I could not call and discuss the power bill because I was not on the account. I have repeatedly tried to convey this to Collection Services of Athens. 
When I asked for proof, the collection agency simply sent me a MEMO with my name, the name of my ex-husband, the address, dates of service and the amount owed. When I disputed that document, as it was unacceptable, they sent a photocopy on XXXX XXXX letterhead with the same memo copied onto it. Again, that is unacceptable and, in my opinion, fraud. 
This collection is operating in a manner that hurts innocent consumers. They evidently did not ask XXXX XXXX for proof of the debt. XXXX XXXX is also responsible, as they illegally reported the debt in my name. 

Please help me in clearing up this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
DeaXXXX XXXX XXXX XXXX, My name is XXXX XXXX, contact details : XXXX, XXXX. 
I kindly request your assistance on the following matter. 
My USD XXXX transfer made on XXXX XX/XX/2022 from a broker organization ( XXXX XXXX XXXX  in XXXX, where I bought some USD at the trade market ) to local Citibank branch in XXXX got suspended in correspondent bank which is Citibank NA ( XXXX ). XXXX tracker shows status that the payment was rejected the same day ( XXXX XX/XX/2022 ), however it was not returned to a sending bank ( XXXX XXXX XXXX in XXXX in this case ). 
As per my request, sending bank ( XXXX XXXX XXXX ) initiated a request for search and refund of the payment, on XXXX XX/XX/2022. However, the money still have not been returned. 
I tried to contact both Citibank in XXXX and in XXXX. Citibank XXXX ( which I am client of ) has not seen the incoming transaction at all. Citibank XXXX, which I tried both calling and contacting by e-mail, refused to assist me, and redirected me back to sending bank, which already initiated the investigation/refund request on XXXX XX/XX/2022 but has not seen any response from Citibank since XXXX. 
It's been already more than a month since outgoing transaction was made, and the funds are still beeing held by the correspondent bank, despite they almost immediately rejected the payment. 
I kindly ask you to facilitate the refund of my money to the sending organization. 
Please see the XXXX number of the transaction : XXXX, and I am also attaching the outgoing SWIFT message for XXXX reference. 

Sincerely hope for your help, XXXX regards, 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 explanation
Consumer complaint received 2016-05-10
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Genesis FS Card Services, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
on three separate occasions I tried to pay milestone the amount I owed. they took the money but then said its an invalid account number. they then proceeded to charge me interest fees and late fees even though they failed to take the payment. when I had the money to pay they didn't take it and now they expect me to pay almost XXXX dollars after I tried to pay them on the correct date. I've called them multiple times about this issue and one time they even accepted it, XXXX out my account and closed my account. after checking back however I see that they reversed that action and are expecting me to pay in full what I tried to pay when I had the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am a XXXX XXXX in the United States, I traveled to open an account on XX/XX/XXXX with CITIBANK, they opened my financial product and gave me a provisional debit card to carry out my transactions, which would be active until XX/XX/XXXX. XXXX, when they opened my product, they informed me that the definitive card with which I could activate my online transactional portal would receive it no later than XX/XX/XXXX, However, this did not happen. I went back to the branch and the adviser who opened my product realized that she had mistyped the delivery details of my card, she made the correction and supposedly the card would arrive as soon as possible, I already I returned to my country of origin and as of today the card has not arrived at the address of my family member, I have called the bank several times, I have sent emails requesting the shipment and none of my requirements have been met, As of today I have no way of using my resources because I finished transferring them all from my account in my country of origin to the account I opened with CITIBANK, and now I have no way to dispose of my resources. All I am requesting is that you deliver my final card as per the service promise to the address I provided.

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 2015-03-23
Company: ERC
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:
Closed my account with XXXX 2 years ago. Received a collection notice from this collection agency almost 2 years after debt was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am not responsible for this debt and have attempted to contact both the original debt agency as well as XXXX to no avail. I have requested verification of the debt and received none. After multiple calls to XXXX with no assistance I am forced to request this account be permanently deleted from my credit report and verification of deletion be mailed for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Account opened XX/XX/XXXX. Beginning XX/XX/XXXX Fortiva began charging a monthly account maintenance fee of {$12.00}. Customer service couldn't explain how that fee is calculated, but stated it was for : online account access, credit limit increases, security measures and the ability to use the card internationally. 
I had to do an online search for the pricing disclosure, that is referenced 12 times in the credit card agreement, as being accompanying the agreement, but is/was not. 
The Pricing Disclosure ( not found on my login access page. Needed to perform an internet search to locate ) does state that a monthly maintenance fee is billed at a rate of {$60.00} to {$150.00} annually and billed monthly at a rate of {$5.00} to {$12.00}, but does not indicate how that fee is calculated. Placing a call to customer service did not resolve the issue of where/how it was disclosed in regard to the calculation of the monthly fee, in addition to the annual card fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Other fee

Complaint:
Today, XX/XX/XXXX, I contacted Discover Financial Services ( " Discover '' ) to inquire on the undisclosed " fees '' that were appearing on my billing statements since XX/XX/XXXX as " fees charged ''. I was advised by Discover that this was an " optional product '' that acts as insurance in the event that I were to lose my job, become hospitalized, death, etc. Never was I informed of these fees and, not to my surprise, Discover 's representative advised me that there is no future open enrollment. Thus, Discover indicated and acknowledged that these " fees '' and this billing practice is false and misleading and in violation of UDAP. These hidden fees have never been accompanied by any explanation or any election of renewal or declination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft around XXXX of 2012. I have been having issues with my credit for years. Moreover, most issues are resolved however some not. I have contacted the Credit Bureaus to ask them to investigate these collections/debts it is no knowledge, not mine. I dont hear anything from them but see its updated on file, I respond again because I not only see its from a residence Ive never resided, I see its an open account, which is impossible because I currently have same provider and have had same provider for at least a decade. I write the credit bureaus asking them to validate, again no validation or proof bearing legality. I have not been contacted by phone, by mail, by anything. My information has been the same for at least a decade. I even had a few credit cards, now paid off they have listed as charged off, which is inaccurate. I called these companies and they all say I should be contacting the credit bureaus. Its more confusing because all 3 major credit bureaus have conflicting information. I send them a photo copy of my valid current ID, a utility bill and my phone number asking them to PLEASE remove all the other listed wrong names and/or addresses on my profile, which were never mine, they never did that! I tried to contact the debt collector myself theyre so rude, they want all my personal information but if they rightfully have this or this was valid they would have that. Please help. I dont know what else to do! I dont know much about the FCRA laws, but since my identity was stolen and working to get it back on track, I know this is wrong. I know the way some of these collections agencies are wrong. Validate the debt. Credit bureaus do your due diligence if its not validated, remove it from profiles. 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 2015-12-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.

Company response to consumer: Closed
Consumer complaint received 2015-03-25
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unknown and unverified debt reported as a collection on my XXXX credit report. I disputed debt XXXX with XXXX ( XX/XX/2022, XX/XX/2022 ). 
I have no knowledge of this debt, have never received written correspondence and was unaware it existed until noted on my credit report. 
I want this debt removed from my credit report.

Company response to consumer: Closed with explanation