BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I started paying this debt through garnishment XXXX 2014. At the end of XXXX 2014 I was laid off from my full time job. I tried to contact Columbia Collections Services multiple times to pay the remaining part of the bill in full but was never called back. For the last year I have left messages weekly for XXXX, the rep in charge of my account with no response. I have also called the lawyer on file and left messages and never got a response. Instead of letting me pay my debt, Columbia has tried to seize my bank funds twice and has issued garnishment papers to multiple places that I did n't even work at. This process of filing new papers over and over has resulted in over {$2000.00} in fees on an original debt amount of {$1100.00}. I wanted to settle this debt over a year ago and have n't been given the opportunity. I feel like this is unfair and should be illegal. Especially given this debt was from a medical bill that I should n't have even aquired. Columbia is now garnishing XXXX % of my income monthly and still wo n't call me back. My boyfriend has been calling everyday as well trying to pay the debt in full and is also being ignored. 
I am writing you this letter to file a complaint. I am not the first person who this has happened to. When you look Columbia up online, you find nothing but complaints of many people going through very similiar situations. I have since paid my debt back and I understand having some added interest, but doubling the debt is absolutely ridiculous. Had they let me pay it in full, the fees would 've never grown like they have. I would appreciate your assitance in this matter so that I can pay off my debt in full without having to pay the additional amount being charged as a result of the unethical and unprofessional behavior that Columbia Collections Services Inc. has exhibited over the past 18 months. 

Best RegardsXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.

Company response to consumer: Closed
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

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 2016-05-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I completed my IBR paper work over XXXX XXXX XXXX XXXX months ago. XXXX XXXX aka Navient states that they received everything but they are refusing to update my status on IBR. XXXX XXXX is failing its duty to the XXXX and the XXXX as the loan servicer. XXXX XXXX is dragging its feet to push me into default, so that XXXX XXXX can collect 130 % on the loan instead of 100 % of the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Unfair lending practices, charging of erroneous fees, inflating balance over the years with the ending balance going up while making payments on time. I have complete documentation and a letter that is being sent to Navient regarding this situation that I would like to send. As it goes step by step.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died XXXX. I was in shock and forgot about court until morning of court. I did not attend .Midland has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in my home over forty years. I need to refinance my mortgage because of my interest rate is adjusted out to 10.29 per cent. I do n't want to loose my house. I 've submitted a modification request and financials several times. They refuse to modify my house. There is a property foreclosure sale set for Property foreclosure sale

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 2017-10-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.

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 2016-07-22
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
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:
In 2011 I rented an apartment where I paid the rent for the year in full up front which I 've finished the receipts to show proof of this to Fidelity Information via certified mail. I also found that the property management company whom Fidelity Information bought the debt from which is XXXX XXXX did in fact file an eviction after I lived out my lease and moved out. The eviction process was after I moved out of the unit. XXXX XXXX dismissed there calm it was a voluntary dismissal on there behalf. Also please note that I was not notified of this eviction and I had no clue until just recently when I went to apply for a rental and was denied. I was told that I owed Fidelity Information monies regarding the rental with XXXX XXXX. Attached is the documents pertaining to this issue for your review. I also sent these documents to this company Fidelity Information to dispute there calm and asked that they send me documentation supporting there calms. I went to the court house and got a certified copy of the voluntary dismissal and there was no evidence showing that I had a amount owed. This company continues to report negative information to the credit bureaus stating that I owe them money which I do not. Please if someone can look into this matter I would appreciate it. 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 2016-04-08
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.

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 2018-05-26
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed with the EXPERIAN company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the disputes requested info i requested or response about when I will.

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 2016-09-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.

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 2016-11-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
CITI Credit card was closed on XXXX XXXX, 2016 and they are billing me for interest charges of a card that has been closed.

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 2018-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My income tax was garnished in violation of 15 USC 1692-1692p. Not my debt nor did the lawyers of the recovery company contact me nor did they provide whose debt this was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently working for a non-profit and am eligible for my loans to be forgiven after 10 years of payments. My loan company has changed many times ( and I have had no control of this ). I was with Navient for a number of years. A year and a half ago my loans moved from Navient to XXXX. I made many calls while with Navient to make sure that my payments would count toward my loan forgiveness. I was told that I was on a payment plan that would count toward my ten years. I recently learned that Navient had me on a plan that does not count! To top it off, I was paying more per month than the plan that would count toward my ten year forgiveness period. So, I have almost two years of payments that will not count ( and like I said, I was paying more than what I should have been! ). I am extremely frustrated. Like I said, I did not opt to go with Navient- my loans transferred. I listened to them and did what I was advised and it was all wrong! I now have two additional years of payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a citigold checking account under the stipulations that I would receive some bonus XXXX miles for opening the account and meeting some requirements. I opened the account in XX/XX/XXXX and was told in XX/XX/XXXX that I had met the requirements and to expect the miles in XX/XX/XXXX. I still have not received the miles and I was counting on them to book a trip. I contacted Citi multiple times in XX/XX/XXXX and the only response was that they were looking into it but it was never resolved.

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 2015-07-22
Company: CITIBANK, N.A.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My daughter ( XXXX - Cust ID XXXX ) has student loans originally Citi Bank and they were sold to XXXX Student Loans. There are XXXX student loans with the bank and has been forced to pay XXXX separate payments each month. I am a co-signer ( XXXX XXXX ) on the loan and when I contacted about the issue, XXXX states that Citi Bank will not allow them to consolidate the loans so that my daughter can pay a single payment per month. All of these loans are with the same bank and yet they are billing all XXXX payments for each month separately creating a large payment per month that she can not afford to pay. Below is a list of the loans and the payments due each month : Loan Number XXXX, {$180.00} ; Loan XXXX {$100.00} ; Loan XXXX {$100.00} ; Loan XXXX {$140.00} ; Loan XXXX {$110.00} ; Total per month = XXXX. This amount per moth is unaffordable. Can something be done about this situation? We are trying to repay our student loan debt but the bank 's policies are unreasonable. It feels like they are deliberately setting families up to fail. Please help!! We are close to defaulting on the loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
i paid a company called XXXX a total of XXXX on XX/XX/2014 i paid XXXX and on XX/XX/2014 i paid XXXX i contacted my bank citi master card and explained the situation with different companies and proved to them i was part of collusion by these companies.i provided citi all the information they requested.i received what i consider a form letter of denial.i sent so much proof of no services rendered there is no way in the short period of time i received my denial letter citi could not have done a thorough investigation on my behalf.i think i deserve better service than that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied to Wells Fargo for a XXXX home mortgage. After submitting all documentation, they preapproved me to proceed. While in attorney review, they were delaying my mortgage commitment for no apparent reason, however offered numerous written assurances that our commitment would be forthcoming. 

After my contractual commitment to have a mortgage expired with the seller, WF informed me that they could only finance my loan as a conventional mortgage. They further assured me that they could meet my fund request of XXXX % loan to value but the interest rate would be .5 % higher. 3 weeks later, they told me that they could only fund XXXX % of the purchase. I had to proceed or risk losing a substantial amount of escrow. 

WF tactics of aggressive salesmanship caused me to incur substantial risk and damages since I had to proceed to closing by using funds from my IRA, with penalties, as well as forcing me to refinance immediately, and incurring substantial closing costs. 

Although WF agreed that their processor misstated her ability to receive a commitment and created a false level of expectation, they did not agree with my claim for damages since I could have declined the loan offer. They refunded my application fee of {$950.00}. 

My complaint is that my loan processor withheld full disclosure in order to keep me from cancelling the loan. They knew I had another lender however by the time they informed me of their final underwriting decision, it was too late to change lenders. 

The XXXX recently reported that WF has been fined for illicit sales practices and I believe my case is similar.

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 2016-07-29
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold account with Citibank in XXXX XXXX under a promotion ( XXXX ) for XXXX XXXX miles once I made two electronic bill payments within 2 months of account opening and {$1000.00} of debit card purchases. I opened the account under this promotion and verified ( in writing ) with a citigold representative that I was eligible and enrolled in this promotion. I completed the requirements XX/XX/XXXX ( verified it in writing with a citigold representative ) and told that my XXXX miles would post by XX/XX/XXXX. After not posting in the promised timeframe, I reached out to Citigold in XX/XX/XXXX and was told that it would be investigated. Despite weekly inquiries from me, I have not been contacted once with an update or a resolution. In fact, there is no evidence that any progress is being made. I continue to inquire weekly and get the same response that the department that handles promotional award is busy and will get to my concern when they have time. I feel as though they are stalling because I have little recourse and they can keep charging me account maintenance fees of {$30.00} per month while I wait for a resolution. One agent did tell me that I might not get the promised miles because I was not targeted for he promotion. I do n't know if this is accurate but even if this is true, I was allowed to open an account under this promotion, verified with the citigold representative that I was eligible, and then verified with a citigold representative that I had met all requirements in XX/XX/XXXX. How was I supposed to know that I could only apply if I had been targeted? I signed up for the offer and was told by Citi 's agent that I was eligible. I am asking the CFPB for assistance because Citi is refusing ( or stalling ) to honor their promotion.

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