BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: REGIONS FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I opened this account with Fleetcor for a XXXX XXXX XXXX over 3 months ago. I used the card, always made payments on time. All of a sudden, card was closed without any notice or any calls. Called in and was told to call Fraud. Customer service would not let me through to fraud so I talked to them. Customer Service infomed me email fraud at their email address for Fraud to see why was closed. Never got any email back from fraud other than a dispute form that was for credit card transactions only. This was not a credit card transaction so I emailed fraud back asking for correct form and no reply after several emails. i found out finally from talking to customer service the reason it was closed due to not being able to verify my XXXX. My XXXX   clearly stated on the website with Secretary of State and active. Tried to communicate this via email but no response. Now they are holding my security deposit and will not return it. Customer Service Rep advised me not to pay the last invoice because the security deposit will be taken out of it. I have now waited 2 months and the invoice is past due and getting ready to effect my credit so i paid it. I called customer service to talk to someone about when it will be returned and still no response, no resolution.

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 2020-04-03
Company: EQUIFAX, INC.
State: AL
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 ASKED SEVERAL TIMES TO RECEIVE VALIDATION OF DEBT, THEY HAVE NOT BECAUSE HE DEBT IS NOT MINE, IT IS AGANIST THE LAW TO HAVE IN CORRECT ON MY FILE, PLEASE REMOVE THE FOLLOWING ACCOUNTS IMMEDIATELY, XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been getting charged fees on a so called XXXX percent 18 month promotion from Best Buy through Citi Bank credit card. No one every explained or notified me that even though there is no interest rate tied to the purchase that there is a service fee of almost {$25.00} per month for an unwanted debt protection plan. This adds up to an extra {$500.00} in fees in a 18 month period.

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 2015-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Home Depot represtative told me that there would be no interest on the balance as terms of opening their account, so I purchased a small refrigerator costing around {$390.00}. But they added interest on the balance from the very begining which was disputed. 
I made many payments, but they added huge sums of interests and late fees toinflate the total amount but I still offered {$200.00} to settle for full amount. 
Now they do n't to deal with me or discuss about resolution as they have transferred theaccount to another entity. They must give me a chance to resolve it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a fradugulent modification with XXXX  back in XXXX they then had us sign a new mortgage with them they bascially had there hands slapped like other mortgage companies and t away with it now XXXX  back in XXXX sold our loan o Rushmore loan management and they have increased out mortgage by XXXX dollars a month by stating a new escrolled with taxes even after XXXX just did this in XX/XX/XXXX which they had our new taxes why do mortgage companies get away with this not suppose to change the contract and now we cant even delete our insurance off escrow because of the contract we signed with XXXX  why should the consumer have to pay for this please help us this doesnt seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Fleet Financial Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2017-01-28
Company: EMCC Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. 
Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never applied for a credit card with discover. I spoke to a agent they said they would investigate and remove the card in the middle of the so called investigation they sold the account to a third party. This is a fraud account. I have went to the police department as well as notified the ftc. Reports are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-28
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 {$260.00} {$260.00} Ive disputed this collection multiple times, yet it has not been deleted as well as being on my report twice. National Credit Systems has furnished inaccurate information to the credit bureaus, and the credit bureaus have furnished inaccurate information to my consumer report without thorough investigation or my consent. This collection is on my report twice, and is in-fact incorrect. This was a joint account, the application fee & administrative fee were PAID, we were denied due to a background check, yet they are saying we owe something for moving out before a term was up when that never even occurred!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Aspen National Financial, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, theASPEN COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays double billed my checking account, charging me again with a previous months one-time payment ( via mobile app ). They have also continued to charge me a late fee because I pay my bill early in the month. I also pay well beyond the minimum. Their representative stated it had to be paid on the XXXX of each month - which I know is not only incorrect, but illegal. I ended up paying off the full amount on the account yesterday and closing the account due to the hundreds of dollars they have cost me in illegal fees. Please do something about this because I know they must be doing this with others. Their rep even said Id probably be billed a late fee for this month on the XXXX because I didnt pay it off on that date!!!

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 2022-09-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On Friday, XX/XX/XXXX, I contacted Midland Credit Management via telephone, to question them about my debt account they purchased from XXXX XXXX Credit Card Division. I informed them, that said debt had no activity since XX/XX/XXXX, and asked why do they continue to contact me. I was informed that the last payment to XXXX was XX/XX/XXXX. I informed Midland, I have not paid anything on this account since XX/XX/XXXX, and that someone, including them, may of claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from Midland , and was informed, Midland sent out a letter in XX/XX/XXXX. I told the Midland Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XX/XX/XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XX/XX/XXXX, I am requesting Midland cease reporting this to Consumer Credit Agencies. 

XXXX XXXX XXXX card number : XXXX Midland account number is same as XXXX, but, they also have another number, too : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
SITUATION : I set up an automatic monthly payment of {$820.00}. on my consolidated student loans in XX/XX/XXXX after my deferment ended while I was in graduate school, and I have not missed a payment. I reviewed my statements in XX/XX/XXXX back to XX/XX/XXXX and noticed that the way interest was being charged on my loan was not correct. As the principal is paid down, the amount amount of interest should go down, and the amount credited to principal should go up each month as in a mortgage. That was the way I set up the interest to be charged, but it was not being charged that way. The interest amount stays roughly the same month to month. ACTION TAKEN : I called Navient and talked to customer service who could not correct the problem. I asked to be transferred to a supervisor. RESULT : The supervisor confirmed that the interest was not being charged correctly. He told me I would receive a letter in 3 to 5 business days telling me how Navient would correct the issue. About three weeks later, the letter came. The letter summarized the capitalized interest while my loans were in deferment. It did not address how the interest was currently being charged since the loans came out of deferment in XX/XX/XXXX. ATTACHED : Attached is one of the statements that I have highlighted the interest and principal totals paid, which is similar interest amount to all the other statements. Also, highlighted is a section called " How do I pay with instructions? '' that details how a customer can instruct the lender to allocate interest differently so the consumer does not pay more interest than needed on the loan. Also attached is a copy of the letter from Navient showing they did nothing to address the problem. DESIRED ACTION : I want Navient to apply the payments since XX/XX/XXXX as I directed so that as the principal is paid down monthly, the monthly amount going toward interest is also reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I took out a loan in XXXX with Washington Mutual for {$780000.00}. I feel it was a predatory loan where I had a negative amortization payment before I had financial hardship and filed for Bankrucpty in XXXX. I have been trying to obtain a loan Modification ever since. I have been denied and have a sale date on my house for XXXX XXXX, XXXX. I feel that the their may be XXXX or more of the following violations : VIOLATION OF TRUTH-IN-LENDING ACT ( XXXX XXXX XXXX ETC ) VIOLATION OF XXXX WALL STREET REFORM AND CONSUMER PROTECTION ACT ( Pub.L. XXXX ) IMPROPER SECURITIZATION AND TRANSFER OF LOAN : Fraudulent concealment and violation of lender 's own underwriting guidelines. 
Violations of the Real Estate Settlement Procedure Act ( RESPA ). 
Systematic creation of false and inflated appraisals encouraging borrower ( s ) to commit to the loan under false pretenses. 
Fraudulent endorsement and falsified disclosures prior to commitment. 
Fraudulent endorsement and/or transfer by XXXX 
Beneficiary process, rights to foreclose, robo-signing documents. 
Phantom investors and signing beneficiaries. 
FAILURE TO MODIFY LOAN TERMS UNDER FEDERAL QUALIFYING GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm receiving these letters from this collection agency called Midland Credit Management Inc. and they want me to pay the amount of {$2000.00} and this is absurd. I have never conducted business with this company and I am disputing this claim. I do not know how these people got my full name and my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We ( XXXX XXXX XXXXmyself and XXXX XXXX XXXX my daughter ) opened two separate saving accounts with Citi Bank via phone ( last week of XX/XX/XXXX ). We instructed Citi Bank to withdraw {$50000.00} each from our joint account at XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Note that we had sufficient funds ( $ XXXX ) to process this transaction. ( we have sent the proof to Citi Bank ). Citi bank sent two requests to our bank XXXX to transfer $ XXXX each to our new account. XXXX told us that Citi sent two duplicate requests. ( The request came to two counts of $ XXXX each to transfer to Citi bank in the name of XXXX XXXX. Citi should have sent two requests $ XXXX each one for XXXX XXXX and one for XXXX XXXX ). Since it was duplicate request, XXXX rejected one of the request and transferred $ XXXX to Citi bank. XXXX sent $ XXXX in the name of XXXX XXXX. Citi Bank credited $ XXXX to XXXX XXXX 's account, instead of XXXX XXXX 's account. Citi bank sent us a letter that my account ( XXXX XXXX XXXX is closed because of a fraudant activity ( XX/XX/XXXX ). On XX/XX/XXXX I deposited $ XXXX to my Citi account. It has been more than 4 months, I sent numerous emails to Citi bank to let me know what the reason of closing my account and refund the money. So far Citi bank hasn't sent me the details of the issue and also hasn't refunded money ( $ XXXX ). 
The issues are : 1. Citi bank credited $ XXXX to the wrong account ( the money should have been gone to XXXX XXXX 's account, not XXXX XXXX 's account ) 2. There is no reason that Citi bank should closed my account, as I had sufficient cash to fund 2 new account $ XXXX each. It was Citi Bank 's mistake to send a duplicate request. 3. Even after closing the account, Citi bank hasn't refunded the money back to me. 4. Citi bank should send me details why $ XXXX was deposited to XXXX XXXX 's account, not the XXXX XXXX 's account. 5. I opened this account in response to Citi bank 's reward program. Since it is Citi Bank 's mistake, Citi bank should still credit this award to me, along with refunding $ XXXX and the closing balance. 6. A penalty should be imposed to Citi bank, causing this mistake and wasting their client 's time and efforts and not refunding the money back to the client in a timely manner. 
I have sufficient documentation to support above details.

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 2015-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) Chase did not send me the actual signed modification agreement in the package. 
2 ) Chase did not properly apply payments to any of my principal balance. 
3 ) Chase has MANY questionable charges that I would like to have explained and properly credited to my account. 
4 ) Chase did not credit $ XXXX/month for HAMP incentive and {$5000.00} principal incintive on the anniversary of the 6th year.

Company response to consumer: Closed with explanation