BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-01
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi pr estige Account was CLOSEd by  Citi VP   XXXX   XXXX , ruthless employee.       LOTS  XXXX  of REWARD points due to a HOSTILE employee  XXXX   XXXX   ! !!       1. D enied access to  XXXX  reward points both online and on phone.    2,   XXXX  reward points are equal to {$1300.00} in travel value.      Citi ha s BLOCKED me from every opportunity to access my reward points forcing a SEC complaint and lawsuit.      XXXX   XXXX  is a ruthless employee who is retaliating aginst  me. Citi Th ank You employee said ONLY writing into  XXXX   XXXX  about account but said it can not be opened again forfeiting ALL EARNED reward points.  XXXX  is a BULLY.      Citi T hank YOu online response. Service center REFUSES to HELP!!       " We do n't recognize y our Sponsor Account number. Please verify the number and try again. If the problem persists, please call our Service Center  at  XXXX   (   XXXX   ).  The  ThankYou Service Center  is open from Monday to Friday,  XXXX    XXXX   to  XXXX   XXXX  ET and Saturday and Sunday,  XXXX   XXXX  to  XXXX   XXXX   XXXX .     If you are attempting to add you r Citi PremierPass  /  XXXX   XXXX   XXXX  Card to an existing account but are experiencing problems doing so please  call the ThankYou Service Center. ''

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 2017-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion : I filed a dispute with them against XXXX XXXX. : Account # XXXX XXXX XXXX XXXX ( XXXX XXXX ). I had insurance with XXXX XXXX. I called XXXX to have my payment date changed. And XXXX agreed and then charged me double on my next payment date. I canceled my insurance due to this with XXXX XXXX. I paid what I owed with a balance. And they still chose to over charge me. They can not show one ounce of proof that I owed anything, and they have put an item on my credit. Which I disputed and TransUnion still will not remove the item off my credit. Or show proof that the item was mine. I want this item removed immediately. 
XXXX, GA XXXX XX/XX/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 2022-02-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2022 Convergent Outsourcing , Inc . Illegal collection Activity through US Mail Repeated collections letters Debt is over 9 years old.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to XXXX with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX County Courthouse for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.

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 2015-05-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I keep getting harassed by a creditor and threatened with legal action on a debt that was a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I tried to pay Navient by credit card today by phone. I did this last month. This time they told me that they were no longer accepting credit cards. They said that they informed me of this new change, but they did n't. They tried to get me to pay out of a checking account, but I do n't have it. Now, I have yo try to get a cash advance on my credit card st a much higher rate. That 's the only way I can get XXXX dollars in a day. I think they 're trying to force me to be late, so they can charge higher rates. They failed to correct my address four times in the past to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: VW Credit
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My VW Credit auto loan for my XXXX was paid in full as part of the VW diesel scandal buyback program. My car was turned into a dealership on XXXX XXXX. I was told to expect a refund in the amount of approximately {$450.00} XXXX ( the difference between the amount of the buyback and what I owed on the loan ). After not receiving the refund, I contacted VW on approximately XXXX. I learned the amount I would be refunded changed to approximately ~ {$200.00}. I questioned the amount, and was told by the agent that VW actually owed me a few dollars more than the initial check was written for. The agent told me a check for the additional amount would be issued. She also offered to reissue a check for the amount of the missing check, or I could wait a few more days. I opted to wait a few more days. At that time I informed VW that I had recently moved and provided my new address. Still having not received my refund, I called VW today XXXX. I spoke with XXXX different agents. All who told me I was owed different amounts ... ~ {$450.00}, XXXX {$400.00}, XXXX {$200.00} AND that they can not reissue the check because I have to wait 30 days. I 'm frustrated because they supposedly sent a check for the incorrect amount and I have to wait longer for them to reissue a check for the correct amount. I have no idea how long it will take to receive the new check once they reissue it because I ca n't seem to get a straight, consistent answer from VW. Given their reputation of taking advantage of consumers, I believe they should be working to improve their reputation not give us more of a run around. I wasted ~90 minutes of my time today attempting to get the money that is owed to me, or at least a consistent answer about the amount owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account " Pst " time then it should count

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: TN
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:
I recently tried to dispute over the phone with Equifax on XX/XX/2022 the below listed hard inquiries as well. I was informed by the agent that they would be deleted in 24-48 hours. Instead, I received a report # XXXX in exactly 2 days later stating that the hard inquiries were FACTUAL. I know that Equifax did not truly do their due diligence to confirm this information as factual because I should not have received a report so soon had a thorough investigation been completed. This information listed below this is not true, I do not hold accounts with these companies, and they all need to be deleted immediately. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Consumer Portfolio Services, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I spoke to a representative and she told me although I was 2 payments past due & committing to paying 1 payment per month on my account until I was able to catch up I would still be reviewed for repossession. I also keeping getting voicemail messages from the representative stating although I have arrangements I am being reviewed for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: STATE FARM BANK, FSB
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
State Farm has been refusing to remove PMI from our mortgage. We are now below 78 % and they continue to require it. They are not honoring the Homeowner 's Protection Act of XX/XX/1998 which requires automatic cancellation on the first day of the first month of achieving a 78 % LTV Loan to Value ratio. 
There are no limiting factors applicable in our case, such as late payments, the loan is current, the property has been improved with other structures so there is no concern regard devaluation. 
They are refusing because they can. There is no justification. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: FORD MOTOR CREDIT CO.
State: MD
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:
The credit reports from XXXX  pulled by Ford and several others were not by my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Account Outsourcing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I filed paperwork for the Public Service Loan Forgiveness program because I have been working for a XXXX for over 10 years. In the paperwork, it states my loan would be transferred to a new servicer ( FedLoan Servicing ) which happened. Well, once they received my information they changed my loan program and repayment plan without my authorization which dramatically increased my payments. They are only to be servicing loan under my previous terms which I was paying on time with no problems. I called them regarding and I keep getting 2 stories. One stating they are sending it back to my other servicer and the other stating they ca n't do anything. Had I known this was going to happen, I never would 've changed servicers because I do n't qualify for the program because of how my old loan was set up which NO ONE told me even when I asked prior to filing the paperwork. Besides the unauthorized changes, I was mislead. Things need to revert back to how I was prior to submitting the paperwork. Apparently, FedLoan Servicing does n't have the same programs as my previous servicer, XXXX. If they ca n't service it the same then they never should 've accepted it. I have attached a copy of the paperwork that must be submitted by someone requesting public loan forgiveness for your referral which is the only paperwork I completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Zakheim Law Group, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted zakheim law group concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Velocity Portfolio Group
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Illegal collection Activity through US Mail Repeated collections letters Debt is over XXXX years old.

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 2015-07-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
equifaxXXXX XXXXaccount showing {$1200.00} monthly payment ( should be XXXX ) status showing 120 days late ( should be unknown ) remarks showing chapter XXXX bankruptcy ( should be chapter XXXX filed XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( 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