BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
From XXXX XXXX, XXXX until XXXX XXXX I was not employed and was not able to meet my mortgage payment obligation. I went to the agency that helped me obtain the mortgage, XXXX, and started a modification process with their help. Once I became employed again, I attempted to resume paying my mortgage and was informed by CitiMortgage that they could not accept payments and that I would have to continue the modification process. I have informed them several times that my intentions are to keep my house. 
I have had to start this process over twice now because CitiMortgage keeps closing the file insisting that I have not submitted necessary documents that I most certainly have submitted numerous times through XXXX and directly to Citi. There has not been one time that a requested document was not submitted right away. 
Also, since starting this modification process over yet once again, they have sent me letters stating that my file is under review and while in " Review '' status that all foreclosure activity would cease. They are not keeping their word as am I steadily receiving notices from the XXXX County Court involving the foreclosure proceedings against me. I feel that I am being treated very unfairly at this point. These fees are steadily rising and payments increasing and it will soon be to the point that I will not be able to afford to keep my house. All I want is fair treatment and the opportunity to resume my payments. 

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 2015-05-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I initially filed a complaint with CFPB regarding XXXX XXXX XXXX, XXXX, Complaint # : XXXX, who was the company l received a letter from dated XX/XX/ and they listed Toyota Motor Credit Corp as the Current Creditor for Account # : XXXX, for a balance of {$11000.00}. After receiving from CFPB on XX/XX/XXXXnotification that my complaint had been closed due to a response from company. 

The response from XXXX XXXX XXXX XXXX XXXX, is that they have placed my account into a dispute status and requested validation information from the creditor. And I should receive validation information by mail from Toyota Motor Credit Corp.

As of today, I have not received any validation from Toyota Motor Credit Corp. Nevertheless, they continue to report negative information on my credit reports. I am requesting to submit a complaint with CFPB against Toyota Motor Credit Corp due to deceitful, unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX XXXX, XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX History of Wells Fargo Foreclosure XXXX, FL XXXX XXXX XXXX/XXXX/XXXX When we stabilized financially 3 months later Called Wells Fargo and tried to set something up to get house loan caught up. 
Was told they would not except any payments as we were in Foreclosure Wells Fargo Stated not to worry we would get a loan modification. 

Sent financial papers requested by Wells Fargo for 6 months with me calling them once or twice a week. 

Were told not to worry about the original foreclosure date as it would be pushed out since I was in line for a loan modification. 

As Wells Fargo had not told me anything truthful since I started talking to them We contacted their lawyers. 

Deal was struck ( Stipulation ) with their Lawyers to catch up on payments. Sent $ XXXX and was to make $ XXXX payments for 13 months. ( Which I did ) They foreclosed after I had made agreement. Wells Fargo bought my house at action for {$70000.00}, on the tax rolls as of XXXX it is appraised at {$250000.00} Contacted attorney ( XXXX XXXX ), He went to court and had Foreclosure reversed. 

Made Twelve of Thirteen payments. Wells Fargo went back to court and got new sales date set for XXXX, XXXX. 

Paid thirteenth payment. Wells Fargo set new sale on XXXX/XXXX/XXXX Attorney ( XXXX XXXX ), went back to court and stopped sale again. 

Attorney ( XXXX XXXX XXXX, Had me go to Wells Fargo and start making Payments. 

Wells Fargo informed me they could not accept any funds as I was in Foreclosure. 

Attorney ( XXXX XXXX ), had us make payments to the court registry. 
{$1700.00} a month for 12 months, which we did. Notified their lawyer every month of payment sitting at court registry. 

XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Order vacating Final judgement dismissing case with prejudice. ( my favor ) XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Court ordered funds in court registry given back to me. $ XXXX Dormant for 2 years 4 months. Not a word XXXX/XXXX/XXXX Wells Fargo Started new foreclosure case using different date different case. Before their new date I had paid $ XXXX to them or to court registry. 

XXXX/XXXX/XXXX 2nd Case Dismissed under the XXXX XXXX XXXX XXXX 

XXXX/XXXX/XXXX Sitting in limbo again

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 2017-10-11
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal. 

I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck. 
We have no funds available to cover any unforeseen problems that may come. 

The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators. 

We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner? 

I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner. 

But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness. 


Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have now answered over XXXX calls from a number that keeps calling as XXXX, which documented dates and times. Company appears to be Midland Funding. This must be a computered generated call, because nobody is ever on the phone, it shows blank air time, then a few clicks and disconnected. I do n't have a clue what they are calling about, but this occurs once to twice per day, and I have to drop everything I 'm doing just to hear a line drop with no person available. I wish for them to stop calling, as for whatever reason they are calling, I tired of being harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I 've had multiple credit card accounts with American Express including business. In the last XXXX years of doing business with them never was a bill ever paid late. Due to the financial crisis I was forced to let go of my home causing my credit scores to drop but never the less I chose NOT to file for bankruptcy but RATHER fulfill all my credit obligations. It has been a challenge to increase my credit scores and now American Express dropped my credit limits from {$4200.00} to {$800.00} ( {$800.00} was the outstanding balance on card ) in XXXX card as well as drops to other cards. The impact and something affecting millions of consumers is that I went from XXXX % credit use to XXXX %!!!! maxing out my credit and consequently making my credit scores drop immediately. This is not the first time it has happened it happened once previously with American Express and once with XXXX. I think this is an unethical practice by credit companies to hurt the credit of good standing and paying customers there is absolutely no record of late payments on any of my credit accounts. I now questioned if I should 've file for bankruptcy instead to get new start. I contacted credit company and all they told me was that I should try and apply for credit increase which is nonsense. I have since closed all my accounts with American Express and contacted their XXXX offices where I was told I had to apply for an increase of credit and there was no guarantee that I would get the same limit. Clearly showed I was not treated as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recieved a notice from Midland Credit Management , Inc. ( MCM ) that I owed an " original Creditor : '' XXXX ( South Dakota ), XXXX. and that the current balance was {$18000.00}. It does not describe what the debt is for or any details concerning it. I have no knowledge of any such debt. 
MCM offers a 70 % discount if I pay {$5500.00} by XX/XX/2015. 
I have never failed to pay a debt in my life. 
I called the phone number which is on the front page of their notice, at least XXXX places, XXXX times over a three day period and recieve a recorded answer : " All circuits are busy, please call back later '' or " Call can not be completed, try again later '' " message TX XXXX MN. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have been receiving a letter acknowledging my authorization for automatic payment from my bank account on my macy 's credit card and the macy 's XXXX I had until XXXX of 2014 when I cancelled the XXXX out of frustration in not resolving this issue. Each letter I received was addressed to a different name, however it had my address and my account number and the correct billing information for that account. I called mace 's several times : twice I was told it would be fixed and it was not. The last time I was told that it was a computer error and could not be fixed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Creditor XXXX XXXX XXXX ( XXXX ) still showing open when should state closed status with {$0.00} balance. It was included in Bankrupcty and now is DISCHARGED. Bankrupcty case # is XXXX. Creditor keeps removing and reappearing on report. Also keeps changing statuses and balances every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.

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 2015-10-19
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Amex Plum Card and was denied. This was based upon my being an " Authorized User with various companies that did not meet their financial obligations with Amex. XXXX dated XX/XX/XXXX, ( 17 years old ), XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. 
My credit was never checked by Amex. I was never the primary account holder for any of these accounts. The date of the letter was XX/XX/XXXX. I received the detailed explanation by calling the XXXX number in the letter. 
It should n't be legal for a credit granting company to use a primary card holder or company 's information that is responsible for an credit account against an " authorized user ''. A copy of the letter of denial is attached. Note, that it says that I was denied due to the fact that American Express cancelled your previous accounts- all of which I was not financially responsible for nor the primary and financially responsible party. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was astonished after I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 60 days past due as of XX/XX/XXXX.
I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation