BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage holder was Citycorp XXXX On XXXX XXXX XXXX my wife XXXX XXXX, ( aka XXXX XXXX XXXX Acct # XXXX ) died of XXXX XXXX. XXXX and I ( XXXX XXXX XXXX XXXX ) owned a property in Joint Tenancy, XXXX XXXX XXXX XXXX # XXXX, XXXX, and Ca XXXX. Citicorp owned the loan XXXX # XXXX XXXX. 
As early as XXXX XXXX I contacted Citicorp to insure the loan stay in good standing and we corresponded about this item. I was asked to supply to Citicorp the followings : Death Certificate, Marriage certificate copy of the current Deed, and Probate Status N/A. 
I comlp1ed to all with a letter explaining there was no probate because the assets did not merit a need for probate. The main asset was the real property, and it was in joint tenancy so it automatically escheated to me. 
I did this several times, each time the person on the phone said they did not receive the material. When I did not hear from Citicorp XXXX ) # XXXX, XXXX XXXX XXXX XXXX I opened an auto bill paying account to make bi-monthly payments of approximately {$560.00} through my Bank XXXX XXXX. 
Payments have been continually sense that time. 
Recently on XXXX XXXX XXXX I received a notice posted on the door to contact XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX I found the Citicorp loan had been sold to them in XXXX XXXX. I was also told the loan was in default, and going to foreclosure by the end of the month. 
I was angered because I had been making payments as agreed. I was also angered because I never received a notice of transfer to another entity even though Citicorp XXXX XXXX had my phone number correspondence. 
Meanwhile I have been making payments all along, and in the rears {$13000.00}. 
WHERE DID THE MONEY GO? XXXX said they do n't have it. XXXX XXXX says they sent it to Citicorp XXXX, and have provided documentation showing payments going back 18 months. I would like my money NOW! I 'm out over {$13000.00} I am faxing you the following : Marriage Certificate Death Certificate Grant Deed ( XXXX XXXX to XXXX XXXX and XXXX XXXX Joint tenants ) Affidavit of Death of Joint Tenant Grant Deed ( XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX Joint tenants ) Old fax Cover Written Communication between Citimortgage and XXXX XXXX XXXX XXXX & XXXX Property Profile Payment, Amount & Date Plus Internet Verification of Payments from XXXX XXXX Partial Hopefully we can settle this without litigation. It seems so simple, money sent to you what did you do with the money?

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 2016-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Merchant credit is being reported on a monthly basis even though it has been claimed in a Chapter XXXX bankruptcy, on my credit report it has been reported each month as a current open past due, unpaid account, this is incorrect especially since this account was discharged in Chapter XXXX bankruptcy, it is still included on credit report as unpaid as of XX/XX/XXXX. I have repeatedly sent certified letters asking for my credit report to reflect the correct information, I 'm a single mother trying to correct my credit, they still try to include incorrect infomation

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 2022-10-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
BJ 's Parks Mastercard issued by Comenity Capital Bank holding customers rewards money due to the technology issue. This issue is going on for months and they are not giving 5 % rewards on purchase at BJ 's. The statement showing they are proving 2 % only and most case 0 % ( document attached ). The reward activities are very confusing and it appears the bank is hiding the reward money. There is no way for a consumer who can understand the reward activities in their online account. The Bank website showing the following message for months in their website. 
" Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: TX
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 Reporting Act XXXX  Account # XXXX, Amount : {$8100.00}, The Creditor : XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Amount : {$280.00}, The Creditor : XXXX XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Amount : {$240.00}, The Creditor : XXXX XXXX XXXX ( Medical Payment ) has violated my rights. 

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

15 U.S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
According to my credit history report, I have a line of credit to a mortgaged company requested in 2012. I have never requested this line of credit since at that time I was only XXXX years of age. I believe someone has used my personal information including my social security number to access and request this line of credit. Please investigate, thank you.

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 2016-05-21
Company: Statebridge Company
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Made payment XXXX/XXXX/2016 by phone, it was never posted to my bank account, then get letter on XXXX/XXXX/2016 stating the check had been returned for NSF, I checked with bank and amount was never posted to my account, that had at ampule amount to cover payment, also the amount they stated was NSF was not what was charged on that phone payment, they add XXXX charge and and the letter letter only had XX/XX/XXXX regular payment amount, we paid the property taxes ourselves, because the mortgage company did not, but they show on their records they did, they 've added late payments each month, which were not, they will not send statements, we have asked several times, we were discharged from Chapter XXXX on XXXX XXXX, and they still will not discuss with us any information on our loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a bankruptcy on my credit report. I have sent in 2 letters asking for verification of this account. I also spoke with XXXX in Texas on XX/XX/2017, and he informed me that they completed the investigation but he could n't tell me who did it he said it was done electronic and it was not his job to verify if it was valid or not. He also informed me that they will not reinvestigate this ever again.

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 2022-10-20
Company: CADENCE BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been paying our mortgage since XXXX when our payments resumed and the mortgage company ( Bancorpsouth ) which is changing its name to Cadence, has not processed our tax payments and our MUD district is threatening to turn off our service on XXXX XXXX. Our local school district are also imposing late penalties and fines and we've contacted the mortgage company and they are advising us to wait while they try to fix this but our time is running out. We've been on hold constantly and have been transferred XXXX times and this has been ongoing for a couple of weeks. 
Our water service is about to get turned off and we may have to pull money from our child 's college fund to try and cover all these back taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Citibank response to complaint number XXXX handled by XXXX XXXX from Citibank was inaccurate and incomplete. I have never been given a Client Manual of Consumer Account from Citibank for any of my checking accounts. In his response to my complaint he supposedly downloaded this manual for for my review of Citibank policy in regard to stop payment of checks, but only the cover page of manual was enclosed. ( I wonder if this was done on purpose and used as reference just to deceive CFPB and me ). The records on my checking account were modified in regard to check number XXXX for {$1700.00}. Teller # XXXX does not appear on the records anymore and neither a copy of the check is available for my review unlike with previous checks I have written.

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 2017-01-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested my free annual credit report from Experian. I got a message saying, " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Requestform. '' As this happened on repeated attempts over several days, I began to see a pattern. This is the third year that I have been unable to obtain my credit report on line from Experian. This has also happened to me with Equifax. The circumstances are the same. I believe the credit reporting companies are discouraging people from using the on line report service. They direct you to print a paper form and provide XXXX forms of paper Identification. Most people, I believe simply throw up their hands and give up when faced with the additional requirements. 

Please investigate this apparent abuse of the Free Credit Reporting Act.

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 2016-05-01
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:
I have disputed this account reported to Experian, from XXXX XXXX Bank. 
This account is too old to be listed and I have disputed it several times. I received a letter from Experian that they are not reinvestigating this dispute and considered it a frivolous request. Account # XXXX dated XXXX/XXXX/09 Please contact and help me resolved this issue with credit bureau.

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 2016-04-05
Company: Southwest Credit Systems, L.P.
State: MD
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:
XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.

Company response to consumer: Closed
Consumer complaint received 2022-10-20
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX 2016 we were scammed by a company representing themselves as XXXX. On XXXX XXXX we advised Citibank that we had been scammed and the {$390.00} charge on our account was fraudulent. Citi told us to cancel our credit card and that they would take care of it. Citi sent us a letter saying they had our information and were investigating, and credited our account. In subsequent calls with Citi the dispute people were not aware of the XX/XX/XXXX statement that Citi had our information, and asked for a repeat which we were tardy to rely to. But we were having ongoing phone conversations during which Citi 's only response was that Congress had passed an act which said the if a consumer gives a merchant a credit card number there is no fraud. We heard this as Citi '' s position during all our phone calls. I do not believe that Citi once asked the XXXX about the merchants rating, or once looked at the FTC 's info on computer scams to see that ours was a typical and ongoing scam. Citi just relies on the Act that there was no fraud. The Merchant has on four different times said it would issue credit. We would like that credit and a credit of the fees charged to our account. Thank you

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 2016-05-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX This account is not being updated or maintained, correctly. 
1. The Monthly Payment, has {$91.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
2. The Recent Payment has {$1600.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
b. I have never PAID XXXX this amount Please Ensure that the Payment History and the Monthly Payment amount, is correct.

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 2022-10-20
Company: Bread Financial Holdings, 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:
My BJ 's Perks Mastercard issued through Comenity has failed to report updated balance to credit bureaus. There has not been an update since XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
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:
I have disputed this account & called the credit bureaus about this matter with no resolution. There was no way possible for me to incur this account because I did not live in their service area. The date the account # XXXX from XXXX XXXX XXXX in the amount of {$2400.00} was opened XX/XX/2021, I did not live in their service area & did not have an account with them. I have worked hard to establish my credit & pay all debts, but this is unfair practicing. While doing my own research I found the fair credit reporting act. Upon reading this, I found out that this has violated several of my rights. 
15 U.S. Code 1681 section 604 A section 2 states A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1681 section 602A states Accuracy and fairness of credit report and I have the right to privacy. 
Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
someone is using My identity Without my consent I did Not authorize This Account

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 2016-10-19
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
to whom may it concern my name is XXXX XXXX XXXX, i was recently a victim of identity fraud, apparently they have opened a credit card ( Best Buy ), they made a purchase for over XXXX XXXX. the person behind this also tried to change the address in order to open different accounts. they have also attempt to run my credit not once but multiple times, due to many attempts to open different accounts my credit score is under XXXX. 

sincerely 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 explanation
Consumer complaint received 2022-10-20
Company: Fay Servicing, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing , LLC escrows money from my monthly commercial mortgage ( property located in XXXX ) to pay insurance and taxes. I've been requesting that payment be sent for months ( calls since XX/XX/2022 ) and have proof in writing since XX/XX/2022 ( I can forward emails ) and the insurance will be canceled tomorrow due to non-payment. Requests for call-backs from management are ignored, phone tree to reach someone is approximately 4 minutes, one can't speak to the XXXX personnel directly, and overall the customer service is non-existent. This will be the 3rd time an insurance policy is canceled due to Fay Servicing 's failure to pay followed by tons of excuses and lack of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: General Motors Financial Company, Inc.
State: NY
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I attempted to contact Santander Consumer and XXXX XXXX XX/XX/XXXX about accounts I had with them. I wanted them to send me information on when the account was opened and paid off. I contacted them via mail and sent a certified letter. I gave them 30 days to respond. No response. Contacted XXXX about the situation and asked them to remove the debts. It has been over 30 days and no response from XXXX and I sent them a letter certified as well.

Company response to consumer: Closed with explanation