BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
This is a follow up to case # XXXX XXXX XXXX 2016 I am attaching XXXX docs from Citibank dated XXXX XXXX, 2016, these arrives in an envelope in XXXX 2016 with no postmark on the envelope. I assume this is another tactic by Citibank to set false settlement deadlines that can not be met because of how 1st class business mail is processed. The first doc says my hardship request ( they offered last year ) has been denied. In view this is another ant-consumer tactic designed to look genuine ( offer reduced interest and lower principal payments ) then when you apply it is denied. The second doc is an'offer ' for a settlement due to be paid in XXXX 2016, which if they accept the basis of my hardship ( reduced monthly income due to delay of Veterans XXXX pension ) - clearly with reduced income I have no ability to make a lump sum payment. So this is a non offer. What is the next step for me to take? I want to resume making reduced payments and avoid having my credit rating further damaged by the consequences of the delay in getting my deceased husbands final pension disbursement from the VA in XXXX. Thank you and I hope this helps other Veteran families coping with the delay of their XXXX payments.

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 2022-05-31
Company: EQUIFAX, INC.
State: NY
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 sent a letter last XX/XX/XXXX to remove these negative items ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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:
in accordance with the Fair Credit Reporting act XXXX Account number, # # # # # # XXXX account name XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX American Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( 3 statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. Waited for next month statement as well on XXXX XXXX 2016 which was delayed by 2 days and I finally got it on XXXX XXXX 2016, still no miles. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX American miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX 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 2018-03-19
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written to the company, XXXX XXXX XXXX on two different ocassions requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I stressed to them that I was requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.They have four accounts listed with them and I have been going back and forth with this company for a little over 2 years and they refuse to remove this wrongful information. They have responded by sending two letters for two accounts showing that I owe them but never sent any paperwork for these accounts with my signatures and never responded about the other 2 accounts that I requested information on. I am constantly called every day by this company and they refuses to give up. I have informed them on many ocassions that I am not paying for something that is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On Friday, XXXX/XXXX/XXXX at XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for National Credit Adjusters informed me that her client was XXXX ( now XXXX XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX I contacted XXXX ( now XXXX ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, XXXX XXXX XXXX still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to National Credit Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2018-03-20
Company: Riverwalk Financial Corporation
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, ( XXXX XXXX original creditor ) put two collections on my credit report unlawfully because the debt was discharged in bankruptcy. I called the company when I noticed the collection was put in my credit report and informed them this debt was discharged in bankruptcy and requested them to remove it. They said they would note that I am disputing the collections. I disputed the two collections with the CRAs and they came back as verified. Then on XX/XX/2018 XXXX called from XXXX XXXX  XXXX and was still trying to collect money from me to " take this off my credit report '' I then told the customer service representative that I don't owe this debt and it was discharged in bankruptcy. When these collections appeared on my credit report, I was in the middle of getting pre-approved for my first home and was denied because of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: COMMERCE BANK
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This dept was a charge off in a bankruptcy in 2016. I contacted the company and talked to a person by the name of XXXX and she stated that this was included in my bankruptcy but refused to have it removed. Also, the address that she had was not mine. She was very rude refused to forward me to a supervisor and then hung up the phone. So with this information, I contacted XXXX and they advised me that they do not have any information of me having an outstanding account with there companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, 2020, I made a purchase for {$750.00} using my Chase XXXX card which is linked to my XXXX account. XXXX the purchase was made through XXXX using my Chase acct - but the complaint is against Chase XXXX. My credit card was charged right away, and the item ( that was being made overseas ) was shipped. Almost three months later, the item had still not arrived and tracking info was lost. I was concerned that the item would never arrive so I called Chase who advised me that I should probably open a dispute since I would only be able to do so for another few days from then. 

I did open a dispute and advised the merchant that I would cancel the dispute if the item arrived. The item did indeed arrive on XX/XX/2020 and I immediately called Chase to cancel the dispute. Chase re-billed me on XX/XX/XXXX and to date, the merchant still hasn't been paid. 

After calling Chase Claims dept. MANY times and finally asked that they track where my payment went. The paper trail ended with XXXX. I called and emailed XXXX claims dept and they said that in order to release the funds to the merchant, they need to be notified through Chase that the dispute has been cancelled and the case is closed. ( I tried sending the same written confirmation to XXXX but they wouldn't accept it coming from me - they need to hear directly from Chase in writing. 

I called Chase several more times to request that they notify XXXX about the cancelled dispute but they said they're unable to do so and that they already did. I repeated ( as I had during several previous phone calls to Chase ) that according to XXXX, the have NOT been notified by Chase and as far as XXXX is concerned, the dispute is still open. 

I have spent numerous hours trying to have this matter resolved. I paid {$750.00} and want the merchant to receive my money for the item that I purchased. 

PLEASE SEE SUPPORTING DOCS WHICH SHOW THE RE-BILL, DISPUTE RESOLVE CASE CONFIRMATION & MY COMMUNICATION WITH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: CA
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:
I sent letters to the Credit Bureaus on XX/XX/XXXX, requesting the removal of unauthorized inquiries I saw on my Credit Report, with complete proof of my Identity. Upon reviewing my updates, incorrect information were reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act section 605b, and continued to report unverified information without providing any proof required by law. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : 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 2017-03-13
Company: BlueChip Financial
State: TN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
This complaint it will be proof that PennyMac Holdings, LLC, never have legal standing, RIGTH, and legal capacity to enforce or collect funds-money from me related XXXX XXXX my property located in XXXX County Florida at XXXX XXXX XXXX XXXX, fl XXXX. The servicing of this loan was done in violation of that F.C.R.A and F.C.D.P.A and H.U.D.. OCC and many others agency in the federal level and State, including violated that T.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: OH
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:
I have erroneous addresses and telephone numbers on my credit report that do not belong to me. I believe my credit information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Account : XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : 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 2015-10-18
Company: Empowerment Ventures, LLC
State: KS
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
On XXXX/XXXX/15 rush card stated they were going to do an " upgrade '' well my payday is Friday XXXX/XXXX/15 and today is sunday XXXX/XXXX/15 and my check is still not deposited. I been told by more than XXXX agentd at rush card that they see myb {$490.00} direct deposit pending but dont know when it will be posted. In the mean time I cant put gas in my cars to go to work, cant buy grocerirs to feed my XXXX kids and cant pay my bills. I kusy want my money loaded so I can be done with rush card.

Company response to consumer: Closed with monetary relief