BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-29
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I rented an instrument in XXXX ; which I returned XXXX. The owner refused to give me a receipt for the return but wanted me to sign a adding machine tape with a dollar amount on it. I refused to sign the adding machine tape. 
From XXXX to XXXX, I never received a bill nor any type of notice. XXXX of XXXX, I filed bankruptcy which was discharged XXXX XXXX. 
I received the first call from Fidelity XXXX, on or around XXXX XXXX, whom I have never dealt with left a voicemail which I have recorded stating that they were trying to collect a debt from me. 
XXXX XXXX, XXXX, XXXX, from Fidelity XXXX called me demanding payment and the return of the instrument that I already returned in XXXX. I explained that I already turned the instrument to the store and that the owner is committing fraud, and that I did file Bankruptcy in XXXX XXXX, which was discharged XXXX of XXXX and that she and Fidelity XXXX was in violation of the law attempting to collect a debt discharged in Bankruptcy court. I informed her that I would be filing a complaint. XXXX, of Fidelity XXXX stated that the bankruptcy did not affect her collection attempt. 

Meanwhile, I have had to block the owner from contacting me on social media websites XXXX from requesting to be a professional contact. I am beginning to get worried that he might cause me personal harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX, I got an alert from the following company ; XXXX, regarding an amount of {$1200.00}. This showed up again on XX/XX/XXXX after it was previously removed. Because of this, my credit is impacted by almost XXXX points ( again ). 

I explained that there was a name mix up. An individual has the same first and last name and lives in a different state ( I believe it is in Texas and they had a medical bill to pay that they did not pay ). Not clear how the mix up happened. Both Experian and the XXXX are being difficult to work with. Please help! 

Thanks, 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 2016-09-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My credit card account was frozen telling that they need to verify my identity. I had been using this card since lsat 6 months. I called them up and answered all the questions. Now they are saying they need to talk to me on a second phone which I dont have. Another rep insisted they talk to my employer. I requested many times to cancel this card. But they will not. 

Card details Citi Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good afternoon, I have XXXX credit score from all three reporting bureaus. Equifax on XX/XX/2021 dropped my credit scores to XXXX. I called XXXX  and XXXX  and they explained to me that there was no changes in my information. I do not have a collections, late payment, bankruptcy, or court decision. 

I went into Equifax to see the reason for the drop of XXXX points and there was none. All the information i had with them prior to dropping my score form XXXX to XXXX are the same. I tried to submit a dispute and the system would not let me. 

I called the agency on XX/XX/2021 at XXXX XXXX. The staff told me that they are no able to tell me the reason why they drop my score. I tried to explain to them that they can not randomly drop people 's score without being able to give the reason behind such action. 

I was not able to get any explanation why Equifax drop my score by XXXX points. I still have a FiCO score of XXXX with XXXX  and XXXX with XXXX. But, I can not get information about my credit score with Equifax. I know by law, you can not drop someone's without providing why it was dropped and I was not able to get any information form them. 

Thanks in advance for helping understand why they drop my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.

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 2015-07-06
Company: Arbor Residential Mortgage LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had our mortgage thru XXXX XXXX XXXX and was paying {$1900.00} on XX/XX/XXXX our new statement went to {$1600.00}. In XX/XX/XXXX our mortgage was sold to Seneca Mortgage Servicing and payment remained the same {$1600.00} until XX/XX/XXXX we received a letter from Seneca Mortgage Servicing stating as of XX/XX/XXXX or payment was going to increase to {$2200.00}, unless we paid a shortage of {$4000.00} plus add PMI back on which would still have our payment go back up to {$1900.00}. We had no clue what was going on so we called Seneca Mortgage & they said there was a shortage on our escrow which they paid when they took over loan in XX/XX/XXXX, so we then called XXXX XXXX XXXX and they acted as if they had no clue as to why, then after several attempts to talk with someone concerning our loan they said there was a computer error back in XXXX that dropped our PMI and lowered our mortgage payment so for a year we paid what was in our statement each month from XXXX XXXX and also Seneca. In XX/XX/XXXX we paid Seneca the {$4000.00} plus took our mortgage payment from {$1600.00} to {$1900.00}. We was told by both mortgage companies there was nothing we could do nor was either willing to work with us on a problem on there behalf. Is there anything that can be done about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX I filed a claim to citi bank regarding unrecognized debit {$8000.00} which debit on my account # XXXX on XXXX XXXX, XXXX. The claim number is XXXX. Customer has asked CITI bank to return {$8000.00} to be back immediately. The debit {$8000.00} was deducted from my account on XXXX XXXX, XXXX. No one from Citi bank to call customer to verify this transaction. Also according to recipient 's claim : they NEVER received this {$8000.00} so far. It caused me immediate attention that CITI bank has made error. I can not tolerate this at all. CITI bank never brought me any benefit instead all losses : such as lost interest at least {$7000.00} from XXXX XXXX to current XXXX ; Promotional bonus {$500.00} and XXXX thank you points ; Whole property damages {$400000.00} due to bill pay caused problem ; all disputed transaction can not be honored ; customer 's privacy such as all transactions were released.

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 2016-01-29
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Rewards

Complaint:
I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.

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 2015-08-06
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

Most Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2015 I ordered a furniture set from Sears using their credit card. I received a bill for {$760.00}. The bill was due on XXXX XXXX, Saturday and I sent it in 7 days prior to the day it was due because it was a Saturday. I paid the amount in full. On XXXX, I received another bill from Sears with a fee charge of {$25.00} and interest charge of {$14.00} for a balance of {$690.00}, not even sure where that came from I have no balance prior to the above mentioned, totaling {$39.00}, because they did n't cash my check until Monday. I have noticed while reading comments that many people have had this problem and because Sears was n't resolving it they were getting more fees tacked on while disputing. I sent a letter to them on XXXX but I would like to make sure it gets resolved so I do n't get additional fees. According to the new law when a payment falls on a weekend, holiday or when the business is closed I should not be subject to late fees.According to their rules you can call them but they are not required to investigate without a letter, so I did n't bother to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My situation began in XX/XX/2021 ongoing, amount in question a little over {$10000.00} accumulated during covid19 the national pandemic. I have made numerous calls to loss mitigation as directed with XXXX XXXX to workout post forbearance payments. There has been no attempt to assist based upon the terms and options available to retain my home.

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 2015-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Wrongful unauthorized account collections and inquiries for over 10 years and recent unauthorize credit inquiries and collections. 
I have been disputing for many years such as XXXX XXXX XXXX XXXX and negatives reportings. 
But Equifax XXXX allows companies to cement back permanently on my credit report and damaging opportunity to get credit approval for my daughters college funds support through a loan lender for their education. 
I can not prosper in life with bad credit. 
I am on XXXX and on Permanent XXXX Lifetime and Retired as of XXXX XXXX. 
I retired from XXXX XXXX XXXX XXXX XXXX of employment XXXX till XXXX on Permanent XXXX Lifetime. 
Please remove California XXXX XXXX XXXX XXXX XXXX XXXX employer.that 's incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a non profit organization.and no pay. 
Credit report of collections will be sent by email to Consumer Finance Agency by my email XXXXXXXXXXXX Government Investigations can pull my credit for verification of evidence of collections and inquiries and negatives on my credit report. 
Urgent matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX, I contacted a customer service rep at Sears Credit Card. I arranged via phone to pay the credit card off. With Sears writing off some interest, the total amount that the representative told me to XXXX this card out was {$2000.00}. I paid that amount during this same phone call and was even offered the opportunity to now transfer other credit card balances to this account that may be high interest. On XXXX, I noticed that instead of a XXXX balance, my balance showed {$290.00} after payment. I e-mailed Sears about this and ultimately received an e-mail to contact them directly that these matters do n't get handled through e-mail. On this date I reached an individual on the phone who identified himself as XXXX. I explained the above to him and ultimately he said that even though I was told that the account would be XXXX after payment that it was still my responsibility to pay this new balance. He even went so far as to say that I get statements which I told him that I did not get paper statements that I could still log in and get my balance. I told him I understood all of that but in the end I had a live representative on the phone telling me account information and confirming XXXX that after payment my account would be XXXX. In getting no where with XXXX, I asked to speak to someone else in charge and he refused to do so after several attempts, he kept saying that I was accountable. I then asked direct questions as to whether or not he was refusing to give me another rep and ultimately, he said he would and put me on hold. He then came back briefly to tell me he 'd be sending me to a rep. I waited on the phone afterwards about XXXX minutes without feedback from anyone until I hung up. My total call time was XXXX minutes. I would like for Sears to honor what I was told and XXXX my account out. If this does not occur, I will certainly have no choice in paying this additional amount of {$290.00} and will then promptly close this account. I am amazed that even though I talked with their own account rep that ultimately I 'm told that even though they said that, it 's not true. These are shady business practices and XXXX needs to be dealt with regarding his poor, customer service skills as well as keeping me on hold without feedback or another representative getting on the line. I guess he got his revenge against me for questioning him and Sears by placing me on hold and no one coming to the phone. Nice tactic!!!! 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: CA
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 XXXX  Account # XXXX has violated my rights. 

XXXX5 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 an account without my written instructions

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 2016-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has fail to provide me with proper information on disputed accounts. also, they have allow negative information such as amount past due, difference between charge offs and balance amounts to affect my credit score. Moreover, results state that accounts have been verify by original owners but accounts have been sold.

Company response to consumer: Closed with explanation