BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: CITIBANK, N.A.
State: CA
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:
I took out a private student loan with Citibank ( XXXX ) in XXXX to attend graduate school at XXXX. Upon completion, I began to pay back the loan ( in XXXX XXXX ). There were XXXX private loans total with XXXX. In XXXX XXXX, Citi sold XXXX of the loans to XXXX. I began to make payments to XXXX, however in late XXXX, due to financial problems, I was unable to make the ballooned payments. I eventually worked out a payment plan with XXXX in XXXX XXXX. We set up a repayment plan for both of my loans with XXXX. XXXX withdrew directly from my checking account to post towards the loan. However, in XXXX, while still on my repayment plan, Citi took XXXX of the loans back and I was not notified by either XXXX or Citi. During the past year ( from XXXX XXXX XXXX ), I was unaware that Citi had taken the loan back. XXXX continued to withdraw money from my account for the repayment plan. I was also still paying back a loan with Citi and I never saw the second loan on my loan account. It was n't until I ran a credit report on myself in XXXX XXXX that I noticed I had a " Charge Off '' loan with Citi. When I contacted them to ask why, they said they took the loan back from XXXX due to delinquency ( even though I already had an agreement in place with XXXX ) to pay the loan. Even though Citi took the loan back, they never contacted me for an entire year regarding the loan. When I spoke to Citi 's Recovery Department, they informed me that they would send the loan to a collections agency to process. I asked if I could just arrange a payment plan with them now since I was never aware of the loan. They said no. In XXXX, I was contacted by a collection agency to begin collecting on my loan. I am in complete disbelief that neither XXXX nor Citi notified me of a loan that was in limbo for an entire year. Now, it has ruined my credit. I have submitted a letter requesting that Citi take back the loan from the collection agency and process it themselves and allow me the opportunity to make the payment directly to Citi. I have also requested that they reverse all the negative action on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
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 am interested in disputing all incorrect information on my credit report with experian.

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 2021-06-20
Company: Linebarger Goggan Blair & Sampson LLP
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I recieved a letter from a law firm : Linebarger Goggan Blair & Sampson LLP that they were representing the City of XXXX, TX. I stated that I owe XXXX to the City of XXXX, TX. I have never been to XXXX, TX in my life. I have no idea to where the city is even located. They treated to have me arrested. 

I researched the company and they have a 97 % negative comment ratio on their profile with the XXXX. This is a scam and these are absolutely false allogations. I will not stand for this from any business. Like I stated earlier, I have never heard of XXXX, TX more less been there. 

I am will file a lawsuit against the collection agency for a violation of the FDCPA if the false claims against me are not dropped and /or if they contact me again in any way. I also have contacted my state attorney general and the Federal Trade Commission to complain about the false claims made against you by the collection agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We applied for a home mortgage refinancing with BoA XX/XX/XXXX. After we locked in a market rate, they continually reappraised our home. They continually rejected appraisals until they received a low appraisal and then charged us {$6300.00} of closing cost points because we had become a " high-risk '' asset mortgage. 
The appraisal they eventually accepted was XXXX - XXXX % below the other appraisals that they rejected until they received one appraisal that forced us to pay points. Since interest rates increased over loan processing time, we had to pay the {$6300.00} of points. 
BoA said they have no influence over appraisal selection due to Dodd Frank, but they kept rejecting " independent '' appraisals until they found one low enough to force us to pay points. 
I spoke to the appraisers whose appraisals were rejected and they told me the appraisals were over XXXX % higher than the one low-ball that BoA eventually accepted. From BoA here was no explanation of the rejections, only constant streams of appraisers flowing through our house until they finally found an appraisal XXXX % below market that forced us to pay points. I tried to speak with BoA management. They never called to explain the multiple rejected appraisals or the assignment of points.

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 2021-06-20
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 I sent out a dispute via certified mail receipt : XXXX, regarding inaccurate and unauthorized information being furnished on my consumer report. Till this day I have not gotten any response nor resolution to my disputes, I am being ignored and my rights are being violated. I have contacted them multiple times only to be ignored. they are in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
recalled a letter XX/XX/2020 from XXXX  stating i requested for credit and I didn't they recognized it wasn't my SSN that matched up and still emailed this to EQUIFAX with referrance number and still refuse to move off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.

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 2021-06-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This concerns the Equifax account for both my wife and my CLOSED XXXX accounts. 

The Equifax account for XXXX XXXX has been altered from what the credit provider entered after the account was CLOSED. The account is now showing that our XXXX XXXX XXXX has missed payments, and instead of what was posted originally when XXXX was the last payment entry on the chart. At Present it is showing XX/XX/XXXX. This is a change from the original reporting. As well, it initially was showing XX/XX/XXXX as the first payment with the last payment XX/XX/XXXX. These later changes are now showing the account with 8 missing payments. With two being recent ( XXXX and XXXX XXXX The Equifax account for XXXX XXXX, the entire XXXX XXXX XXXX has been deleted. 

They were both reported as CLOSED with no missed payments. 

See screenshot of altered account attached ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, Transunion, XXXX  removed this fraudulent account from my report. In XX/XX/XXXX, XXXX  put this fraudulent account back on my credit report and now this account and XXXX  is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and XXXX  is causing harm to myself with much added stress.

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 2016-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
A company I hired to do business for me did not deliver the promised product. I disputed with my credit card company and instead of handling it as a dispute they handled it as fraud. Refusing to handle it as the dispute I had filed. I checked today and they still show the dispute open. I found out that Citi has a habit of handling a disputed charge as fraud in order to avoid giving the consumer their money back. This is not right. On XXXX Citi acknowledged that I filed a dispute ( attached ) and today they still show this dispute open ( also attached ) I only attached the information for the {$4200.00} but also have all the documents for the XXXX {$700.00} charges, which they also mishandled and not in a timely fashion. I filed disputes in XXXX XXXX and in XXXX XXXX you will see they were still open ( attached ). XXXX lady told me they had sent the money back to the vendor and I would never see my money because Citi made a mistake. PLEASE I BEG YOU if you need anymore documents PLEASE let me know - I have hundreds of pages showing they handled by dispute improperly and I can back up everything I am saying in the letter I did attach and more.

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 2016-08-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.

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 2016-08-29
Company: CITIBANK, N.A.
State: LA
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:
After obtaining a copy of my credit I noticed Citibank/XXXX XXXX on my credit file for student loans. First I have no recollection of them ever having my student loans. So I dispute the items with the credit reporting agencies, which the updated themselves as new information. I contacted Citibank/XXXX XXXX requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. Citibank sent me a letter stating the FCRA required creditors to accurately report information to credit reporting bureaus about loan accounts and payment history. That they have reviewed my account history and have not identified any errors and they will remain for seven ( 7 ) years. 
I replied again requesting that the account be deleted from my Credit Reports based on the fact that it was sold. XXXX XXXX XXXX XXXX ( Citibank ) must furnish account information to the national credit reporting agencies in accordance with Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page 1-1 of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page 10-1 provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent. 
So since this account was sold to XXXX from the letter from XXXX this account must be deleted. Citibank/XXXX than replies in order for them to review information that I believe has been reported in error, to send them an letter of explanation and a copy of my credit report. I sent them a letter of explanation the first time and they claimed they reviewed it and found no errors, I sent a follow up letter now they want another. Citibank/XXXX know what they are reporting because they are the ones reporting it. I should have to send them information they are reporting when they already admitted to what they are reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
this is relating to a compliant # XXXX XXXX XXXX XXXX 
I printed off of the records that were sent to this web site.. I had not received many of these debt collection notices and trying to go over these and figure out why I then notice many of these notices did not have my correct address.. even XX/XX/XXXX you had my current address of XXXX XXXX XXXX... but XX/XX/XXXX and XX/XX/XXXX both letters were sent to the wrong address some where in XXXX XXXX and then an address in XXXX XXXX .... so i never received these letters ... as i have stated in my last letter XX/XX/XXXX i did try my best to pay this bill at the XXXX US bank and told that the books were closed then i never heard anything else till XX/XX/XXXX. ;. without any notice XXXX were taking out of my account with no court order, notice or anyway to try and make future payments the letter about making payments for 6 months i never received that notice.. but it was at the right address i do not know why i had not received that notice.. ( was that letter really ever sent i would like to see the post mark on the envelope if you do still have it ). I am asking you to please keep the money that was owed to make up for the out standing checks. but would you please consider omitting the bank fees so I can at least have a small amt of money to pay day care your reconsideration would be very much appreciated If this matter is not resolved I am prepared to take this dispute further for the sake of my rights and for my XXXX son .... I feel like my rights have been invaded that some one can take the money from my private account that the goverment gave me to further my education and help with my expense while XXXX I dont feel this was done in a rightful or legal matter XXXX XXXX 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 monetary relief
Consumer complaint received 2021-06-20
Company: WELLS FARGO & COMPANY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently requested and received a XXXX XXXX credit card through Wells Fargo. When I went online to set up my account, I noticed that it was impossible to set up Autopay which pays the bill automatically. In addition, it is possible to request text and email notifications of OVERDUE bills, but only email notifications of upcoming bill due dates. In other words, they are DELIBERATELY making it more likely that a consumer will miss paying a bill, while ensuring that they will be quickly notified of any past due bills and associated extra fees. 
I feel strongly that banks and credit card companies should be penalized for such practices. Is there a list, or could one be created, a kind of Wall of Shame, for credit cards that rig the system against consumers?

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 2022-10-14
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by IQ Data International on XX/XX/XXXX. The first person that I spoke to was XXXX XXXX. She was using aggressive language, yelling, and using talking tactics that appeared they are my only hope and they will take action against me, for a bill that is not mine. I asked to speak to someone higher and she connected me with XXXX. XXXX was kind and I asked him for the mailing address for the company which he gave me ( XXXX XXXX XXXX XXXX XXXX, Washington. XXXX ) I told him that I was going to submit a letter requesting information. I did so on XX/XX/XXXX. In the letter, I requested that the company provide me information on themselves, a copy of an agreement between them and me, and additional information on this supposed bill that they claim I owe. I also requested that they stop attempts to reach me by phone and that I only want to be contacted by mail. I have not received a response from that letter but I did receive my certified letter stating that they accepted and received it on XX/XX/2022 at XXXX am. Since then I have been contacted by XXXX XXXX where I have told her that this is in dispute and that I want to be contacted by mail and not phone. After that call, I was contacted again on XX/XX/2022 at XXXX XXXX XXXX from the number XXXX and again by the same number on XX/XX/2022 at XXXX XXXX XXXX. They are in violation by ignoring my certified letter and contacting me by phone. They need to stop. The debt that they claim I owe is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking account with a coupon code that indicated I would receive XXXX XXXX XXXX miles after meeting the promo requirements : 1 ) Spend {$1000.00} on the debit card. XXXX ) Make a bill payment using the BillPay service for two consecutive months. I met the requirements quickly and awaited my points. After months passed, I launched an investigation into where my points were and was told that I was ineligible. It seems that Citibank had retroactively gone back and decided this offer was limited and targeted only, despite it not saying so in the literature. I feel like this was a bait-and-switch scam designed to get multiple people to sign up for their $ XXXX/mo Citigold checking accounts, without fulfilling their advertised promotion. It has become quite a well know issue, as many people are in the same boat as I.

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 2021-06-20
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I get regular emails from Navient about my student loan. I have no student loans. I am XXXX years old. I paid my student loans off about 40 years ago. Why are they hassling me? How many others are they hassling? I have not responded to the email because their website wants me to log in to contact them and I am concerned it could be a phishing attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation