BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
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: Reporting company used your report improperly

Complaint:
Equifax was hacked and this resulted in the disclosure of credit information including social security information for millions of persons including myself. At a minimum, the CEO, CFO and IT security people need to be FIRED, FINED heavily, and JAILED for gross incompetence. In addition, the company should be liable for any and all financial losses for all individuals whose information was stolen, and used illegally for any purpose. There is NO excuse for this at all. The databases where this information is kept must be so secure that no one individual has access to open and download the files by hacking. The personal data needs to be strongly encrypted at the source and it should require at least two valid VP level usernames and strong passwords for each to access the database files. These databases need to be virtually unbreakable. After a small number of unsuccessful attempts to open/hack the database, the system should lock out the attempted hackers so they can not open the database even with the valid userID and password.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: DISCOVER BANK
State: TX
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:
There was a discover card was open in my name account number ending XXXX and I never applied for it and nor had the card in my pocket or anywhere and I called XXXX and open up a case and they were rude to me and I was upset that I had to change my number and they holding me responsible for XXXX bill that I never do and its still on my credit report ... and they closed my case and denied my request to reopen it ... .. and holding me responsible for this card that Im not interested in

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Citibank on XXXX XXXX, 2016. 
They had a promotion of {$500.00} for any deposit over {$50000.00}. within 30 days. 
It is now almost 6 months, i have NOT received payment, Ive called them on multiple occasions over the last month, and they have NOT honored their commitment.

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 2016-08-26
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Transaction issue

Complaint:
I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.

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 2015-03-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
We have a contract with Home Depot for a Kitchen remodel, we opened a line of credit with them this was to be a zero interest for 2 years. Now after 6 months they have started charging us interest which triples our payment. We have called several times and they have agreed to make the change going forward but we are still expected to pay the inflated payment this month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A Citibank loan officer sold us a mortgage based on a " rate protection program '' whereby the interest rate of the mortgage could be reset to a lower rate under certain circumstances. Before the loan was issued, the loan officer stated that we had qualified for the program. After the loan was issued, the loan officer confirmed that the rate protection program applied to our loan. 
Some time post-issuance, we inquired about exercising the rate reset under the program, but Citi stated that our loan was not covered by the program. 
The issuing loan officer left Citi after the loan was issued. However, he confirmed in writing that he had indicated to us before and after the loan was issued that our loan was covered by this program. Citi has received his written statement acknowledging this but Citi refuses to cooperate and refuses to stand by the representations made by their former employee. 
Initially, Citi said there was no record of a commitment by Citi to include the rate protection in the loan. Then, Citi said they could not include it because my loan could not have qualified under the terms of the program because the program did not cover XXXX homes. I have reviewed a flyer outlining the terms and conditions of the program and there is nothing on the flyer that would suggest that XXXX homes are excluded. In any event, the loan officer was aware this was a mortgage for a second home and nevertheless represented that the program had been applied to the mortgage. Citi 's final position is that the bank is willing to do nothing and will not stand by the representations made by its former employee, even if those statements induced us into taking a loan with Citi.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account with USAA in XXXX XXXX, and later closed it because I was XXXX while on XXXX XXXX with XXXX XXXX. I recently re-opened an account with USAA on the XXXX of XXXX, XXXX. On the XXXX of XXXX, of the same year, I was debited {$25.00}, and later on the XXXX of the XXXX {$140.00} and {$190.00} were debited. I called USAA to inquire why I was being debited and to request the evidence. USAA told me that they did not know, because since 7 years the database automatically erased my previous information. I told them they need to show me evidence of the reasons why they are debiting me, from the recently opened checking account and they said they do not have anything in the system. Nevertheless, they still debited {$360.00} from my account without a valid reason!!! I can not believe this, is this the way a veteran of 20 years of service ought to be treated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I recently closed my Citi Premier credit card approximately 2.5 months ago and was never informed by the company that they would remove the Thank You Points in my account despite the fact that I have other credit cards with Citi that earn Thank You Points. I contacted Citi within a week of losing my points but Citi refuses to reactive the points. They refuse to allow me to speak with someone who makes these decisions and have provided no reason as to why they 've denied my request.

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 2015-04-16
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions 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:
I am a victim of identity theft and I have to constantly try to rectify the effects as accounts that were opened fraudulently are continuing to report in my credit file and I am being contacted in reference to the fraudulent debts. The fraudulent accounts are Fair collection and Out, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX years ago we filied chapter XXXX our house was not included, we got a divorce, our son moved in the house, XXXX years ago citifinancial stop receiving a payment, told my daughter in law they was receiving a payment from bankruptcy courtcourt, I told her it was not included in bankruptcy, well XXXX months later, bankruptcy is over, citifinancial is demanding XXXX or they going to foreclosure on the house, citifinancial says no payment has been made in XXXX months, you ca n't talk to XXXX person every time she calls you get a different person and a different story. It 's very frustrating, my ex husband went to see our attorney that did our bankruptcy we had XXXX unsecured loans that we believe they have attached to the house loan and maybe that XXXX in the amount of XXXX unsecured loans. Attorney was no help he wants my ex to file bankruptcy on house.citifinancial says they have till XXXX XXXX to pay XXXX then they will foreclosure on house, they said they do n't have to run it in paper they own it and its there 's, they have been really nasty to my daughter in law about this. I feel someone at citifinancial messed up now trying to get there mistake corrected is the problem.XXXX years into our bankruptcy I got XXXX months behind, citifinancial sent us letter, attorney, and court, they was going to take us back to court have bankruptcy lifted so they can foreclosure on house, I had to pay XXXX payment a month for XXXX months to get caught up, so why did they wait XXXX months, it makes no sense. Citifinancial ca n't answer that question, someone messed up at citifinancial and now we my son might losshis house. Please help us or lead us in the right direction on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fed Loan is inaccurately reporting the status of the Student loan payment status. I have reached out and contacted them to no avail. They are aware of the permenant and total XXXX discharged account with the Dept of Education. However, they are still reporting my payments incorrectly which is affecting my credit profile negatively. The Dept of Education has indicated that Fed Loan was notified, however, they failed to update any status reporting to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have multiple checking accounts with M & T bank and have had accounts there since I first opened an account with a local bank as a child. The bank was bought several times and has been M & T for many years at this point. I am aware that they have an excessive fee structure, so I take painstaking steps to avoid any kind of possible fees including keeping the bulk of my funds in credit unions and online accounts such as XXXX XXXX in order to avoid their extensive ATM fees and lousy savings account interest rates. I have even opened up lines of credit for almost every checking account I have with them in order to avoid overdraft fees. I basically only deposit enough money in my M & T account to pay my monthly bills via web bill pay and checks. Their web bill pay is the only financial service of value to me. Their rates and service for loans, credit cards, etc are so poor that I never even consider them when shopping for other financial products such as a vehicle loan. 
This week I happened to overdraft my account by {$1.00}. Fortunately I have a line of credit attached to the account so they did me a huge favor of transferring {$1.00} from that line instead of charging me the typical $ XXXX dollars for an overdraft. I watch my accounts constantly via XXXX so, seeing the transfer, I logged on the following day and transferred some money from XXXX of my other accounts ( I had over {$1000.00} on deposit with the institution at the time ) and then transferred the {$1.00} back to the line. For the service of providing me the {$1.00} for less than XXXX hrs, they decided to charge me {$12.00}. I work next to an M & T and have a great relationship with the manager, but as I 've learned from previous experience, the branches have no control over fees associated with the automated system, so I figured I would just call their customer service line and discuss this with someone there since they have effectively removed customer service from the branches. I discussed the situation with the customer service person who also had no ability to do anything at all. I understand the policy, I know what the fee is, and honestly I would care less about paying {$12.00} if they had to advance even {$50.00} on my behalf. But to have no money at all of their own at risk and to charge 833 % percent does not seem at all reasonable. I know it is within their rights per the agreement of use or whatever miscellaneous fine print I had to agree to in order to use web banking, overdraft lines of credit etc, but this is extremely usurious and many of their clients do n't have the means to absorb these kinds of fees routinely. If I could find an institution with equal web banking capabilities, I would close all of my accounts tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this with the XXXX credit bureaus. I just received one of my disputes stating this bill of {$78.00} has not been paid ... This bill has been paid on XX/XX/2013 RE : XXXX in the amount of {$78.00}. I have even overpaid by {$0.00} and is still showing up in collections on my Credit Report. I have a letter from XXXX reflecting the payment of {$78.00} on XX/XX/2013. I want this deleted on my XXXX Credit Reports, or showing this has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: National Account Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
long time ago I have opened bank acc in XXXX bank, this is not my transaction or order, somebody use my card info for take money from my acc after I do closed this acc with no more use and my interest, now I see this collection in my cred report - I make dispute, but bank no responde me nothing,XXXX bank no ha have good service for customers! I want pay this collection, against this is not my transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am having difficulty getting old student loans removed from my credit report. Upon their request I submitted my credit reports from all three agencies showing the age of the accounts. This was done in XX/XX/2016. I received correspondence from their fraud department stating that the loans had been investigated and that they belonged to me. I never disputed the ownership of the loans. I just want these old paid off accounts removed from my credit report. I have since tried to reach them by phone and have been put on hold for 29 minutes at a time and even disconnected from the phone entirely. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: ACS Education Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation