BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-15
Company: U.S. BANCORP
State: CT
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:
I am being sued for debt from us bank. it was for overdraft fees that a civil suit was filed for. They sold my debt to a third party company and i am being manipulated into paying almost XXXX time the original debt. I should not owe anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX. 

I have a checking account at the HSBC USA ( XXXX ). On XX/XX/XXXX I logged in and realized that many unauthorized payments and transfers were made on XX/XX/XXXX and XXXX. without my knowledge for around XXXX XXXX dollars. 
I reported it to the bank, and they freezed my account. 
Since then I couldnt reach a customer service rep. And no communication received since then. 
I really dont what else to do, my account and my money have been freezed for 2 weeks and nobody from the bank seemed to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've been a Citibank cardholder for nearly 30 years. Over the years, I ended up accumulating multiple cards from Citibank. Recently, in an effort to reduce the number of accounts, I cancelled my cards with Citibank ( and other institutions ). I intended to keep one card open with Citibank, but unintentionally closed all of them. I recognized my error the same day I cancelled the accounts and reached out to Citibank to restore one of the cards.

This began a frustrating, burdensome, and unproductive process of frequently contacting Citibank - always getting an associate from overseas, who provide inconsistent and conflicting information, and who appear to have no information about my account. 

There has been ongoing concerns that Citigroup is too bid to manage, and my experience seems to validate this concern.

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 2015-07-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband and I have had a credit card with Citibank for over XXXX years. This is an XXXX & XXXX XXXX and we were XXXX XXXX. We received a letter several weeks ago that they had cancelled the card because we had n't used it in XXXX years. There was no notice that they were going to cancel the card - just the letter after the fact telling us not to use the account anymore. 
I called customer service and was told I could either open a new account or go through a process to ask them to review the account to determine if they wanted to reopen the account, although there was no guarantee that they would actually reopen it. I then talked to a supervisor who told me the same information but added that she had tried to get Citibank to notify customers before the account was closed rather than after but that her suggestions had been ignored. I chose not to go through their review process because it would mean lifting our credit freeze at the three credit bureaus, for which we would be out about {$60.00} with no assurance the account would be reopened. 
I then wrote to Citibank about the situation. We received their reply yesterday - " It is our practice to notify customers AFTER the date we close the account '' ( Emphasis on after added. ) Had we been given even a few days ' or weeks ' notice, we could have used the card and kept the account open. Now, our credit score will be negatively affected and there seems to be no remedy with Citibank other than to go through a review process which provides no assurance that they will reopen the long-standing account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the fair credit report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: BB&T CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
From 2012 to the present, Regional Acceptance Corporation charged unnecessary charges for a 4 year loan. Customer paid {$17000.00} on a {$21000.00} note and the company has alleged due to late payments that we now owe {$19000.00}. Our records indicate a balance of {$3000.00}. We believe the company has overcharged and is abusing the rates of late fees and daily interest compounded. We owe around {$3000.00} on the vehicle and want to pay it off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Kross, Lieberman & Stone, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) Robo-signing is illegal and has been outlawed in the State of New York. The Corporate Assignment of Mortgage being used to established ownership was robo-signed. 
XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX were not in business on XXXX XXXX, 2015, when the assignment was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Late fee

Complaint:
On XXXX/XXXX/2015, I set-up a payment of {$300.00} using Best Buy 's online payment center to be paid on my credit card 's due date of XXXX/XXXX/2015. On XXXX/XXXX/2015, my checking account showed a debit of {$300.00} deducted from account but when I checked my Best Buy account, I noticed that my balance had not decreased and in fact, it had increased, and that my account was delinquent with the summary page showing that a payment was still due for XXXX XXXX, 2015. 
When I checked my Best Buy Account activity, the activity on my account showed a {$25.00} late fee was posted to my account on XXXX/XXXX/2015. I opened a chat session with Best Buy Customer service and the agent kept asking me if I made my payment last night. I told him that I set-up my payment on their online system a week ago on XXXX/XXXX/2015 to be paid on my credit card 's due date of XXXX/XXXX/2015. He kept saying that my payment had not posted and that it takes a couple of days to post. When I provided the payment confirmation number from their website that stated the payment of {$300.00} was posted on XXXX/XXXX/2015, he said that the payment had NOT REALLY posted and when it did, the payment would be applied and the late fee would be reversed. 
It makes no sense to require people to make payments on a certain date only to apply a late charge, reflect the account as delinquent, and then have to reverse it ( and me to monitor it ) when they should just really require me pay on the REAL due date of the XXXX or XXXX of the month so the money hits their account on THEIR due date of the XXXX. I would like to know if my credit score is being affected by what are essentially rolling " late pays '' each month because they are delaying posting my payment when I 'm successfully making the payment in THEIR system on THEIR stated due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
The late payments of this account were a direct result of the COVID-19 pandemic. I was unable to make regular payments due to a lack of work due to the pandemic. Please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Back on XX/XX/XXXX I submitted a complaint because I was struggling to get my mortgage statement from Select Portfolio after multiple attempts identified in my original complaint # XXXX. ( ie - told my multiple representatives that the mortgage statement generally are generated between the XXXX - XXXX of a month ) I was finally able to receive my statement on XX/XX/XXXX. 

I have now waited to receive my XX/XX/XXXX statement that I anticipated to be available between ( XXXX XXXX XX/XX/XXXX ) this statement is important as I have not been able to review how my mortgage payments have been applied. This includes payments for ( XXXX, XXXX, XXXX, and XXXX ). 
So based on the timeline of XXXX between XXXX - XXXX for the XX/XX/XXXX payment, On XX/XX/XXXX I contacted Select Portfolio and requested statement. I was told to be patient. I can not understand why a timely statement is not generated and I am having to call and request for my mortgage statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions 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:
To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XXXX-XXXX  of XXXX XXXX, XXXX XXXX ( XXXX XXXX ), XXXX ( Sales Manager ) and XXXX XXXX, XXXX XXXX ( Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX XXXX  inquiry and 1 letter from XXXX XXXX rescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX XXXX  ( Compliance ) on XXXX, XXXX ( email ), XXXX XXXX XXXX XXXX XXXX XXXX , Customer Care Team & XXXX XXXX ( Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX ( email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute XXXX XXXX Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX * ( see File 1 - personal letters pages 1,2 and XXXX XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX XXXX credit reports from XXXX  and XXXX XXXX  ** ( see File 1 - personal letters pages XXXX, XXXX 's letter and XXXX letter ) XXXX XXXX XXXX XXXX, XXXX XXXX ** ( see File 1 ... ) ** 1 XXXX XXXX ( special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX ( Financial Director ) and XXXX ( Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX ( Compliance Manager ) and XXXX XXXX ( Compliance Coordinator ) of 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 explanation
Consumer complaint received 2017-02-01
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
MY SISTER, XXXX XXXX XXXX, DIED XXXX XXXX, 2016 IN XXXX, WA. SHE WAS A CLIENT OF CITIBANK AND I AM THE EXECUTOR OF HER ESTATE. SHORTLY AFTER SHE DIED, I NOTIFIED CITIBANK AND WAS TOLD TO FAX THE IDENTIFYING PAPERS TO THEIR OFFICE OF DECEASED CLIENTS. I DID THAT AND THEN WHEN I HAD NO RESPONSE I CALLED AND WAS TOLD I HAD TO MAIL THE NOTARIZED DOCUMENTS : DEATH CERTIFICATE, AUTHORIZATION TO SERVE AS EXECUTOR, PICTURE ID, AND DEPOSIT SLIP IDENTIFYING THE ACCOUNT. I DID THAT ACCOMPANIED WITH A LETTER ASKING THEM TO SEND HER STATEMENTS TO ME SO I COULD CLOSE THE ACCOUNT. 
SO FAR THIS SOUNDS QUITE STRAIGHTFORWARD. NOT SO. THERE IS NO BRICK AND MORTAR FACILITY IN WASHINGTON STATE, ONLY ATM 'S. THERE IS NO WAY I CAN DEAL WITH THEM FACE TO FACE AND NO NUMBER FOR THE DECEASED CLIENT OFFICE. EVERY TIME I START WITH A SERIES OF PHONE CALLS I CAN GET NO INFORMATION ABOUT WHERE THE PAPERWORK IS. IT IS NOW FOUR MONTHS LATER AND I HAVE NO INFORMATION FROM THEM. I KNOW THERE IS MONEY SITTING IN THE ACCOUNT AND I NEED IT TO CLEAR HER BILLS. I HAVE NOT EVEN RECEIVED A STATEMENT FROM THEM. 
THIS IS LIKE YELLING INTO THE WIND. 
I HAVE NOW SENT A COPY OF THE FIRST LETTER AND A NEW LETTER TO THE XXXX XXXX DEPT THAT IS FOR STATES WITH NO WALK-IN OFFICE. 
CITIBANK NEEDS TO HAVE SOMEONE FROM THE DEPT. FOR DECEASED CLIENTS CALL ME AND DEAL WITH MY SISTER 'S DEATH. 
NO BANK SHOULD BE ABLE TO OFFER SERVICES ACROSS STATE LINES WITH NO OFFICE IN THE STATE TO HANDLE THESE PROBLEMS. I CAN NOT BELIEVE THIS DOES N'T HAPPEN ALL OVER THE COUNTRY AND THE PHONE ACCESS IS IMPOSSIBLE TO DEAL WITH.

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 2020-10-06
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Having trouble with my credit score reporting right and I am trying to get it solved, however none of the 3 bureaus ( XXXX, equifax and XXXX ) are willing to help and keep telling me to call the other to get my issue solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.

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 2015-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX. XXXX and I live atXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have not received an answer from the Chase bank as to why they paid XXXX to anyone in my name. Since 2007, I have asked for this information and to date the ChaseHomeMortgage dept. has not rendered same to me. Please advise.

Company response to consumer: Closed with explanation