BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.

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 2015-04-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I mailed a letter to Experian, in which I disputed various inquiries. This letter was sent on XXXX/XXXX/17 and I have yet to receive a letter from to address this issue. I contacted Experian on today, XXXX/XXXX/17 and spoke with XXXX as well as XXXX who advised they do n't investigate inquries as they are matter of fact. I explained to them both that according to the FCRA, any item on the credit report can be disputed, it does n't given an exception of INQUIRIES, being among any items that are off limits. I feel that they have failed to investigate the items and it has been well beyond 30 days and it is only fair that they remove the items that are listed on my dispute/request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Account was closed by bank they wo n't release funds for at least 60 days. I understand they do n't have to business with me\ can close account but want my funds returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I previously disputed a creditor that was listed on my Experian report XXXX amount {$2500.00} acct # XXXX The Item was not removed it up updated. I also sent the same letter to XXXX and the creditor was removed. Attached is a report from XXXX stating that their investigation was complete and the Item was removed.

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 2022-04-19
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I paid off my personal loan ( amount {$770.00} ) with XXXX as of XX/XX/XXXX. At this point in time the matter was handled as a pay to delete. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX a manager ) as well as XXXX ( a rep ) after receiving a statement saying my settlement was a payment and that I still had a large balance due within a few weeks. I was informed by XXXX that everything would be handled and to disregard the statement notice. 

Please note that XXXX continues to report a negative payment history for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite this account being settled in full. Moreover on XX/XX/XXXX I spoke to XXXX who reported that my account was showing settled in full and it would be removed from all credit reporting. On XX/XX/XXXX I spoke to XXXX who sent me an additional letter from XXXX reporting my account was closed with a XXXX balance. XXXX further reported that it would take approximately 60 days for this account to fall off my credit reports. XXXX then instructed me to call the credit bureaus and dispute this account myself if it was taking too long for them to recitfy. 

On XX/XX/XXXX, I called and spoke to XXXX who reported that all she could do was assist me by opening up a ticket ( # XXXX ) and that she could not give me a time estimate on the completion of this issue. 

After repeatedly disputing with the credit bureaus to no avail, XXXX needs to be held accountable for reporting inaccurate payment history and failing to have this account deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2016-01-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended XXXX XXXX in XXXX California and was told I had to take out a XXXX XXXX loan to pay for my schooling. When my school closed I received a loan forgiveness for my federal loans but had to continue paying for my genesis loan. They have transferred my account to University Accounting Service LLC and I would like to have these loans forgiven due to my schools closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Bronstein & Weiss Arbitration
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A woman from what she stated as XXXX XXXX XXXX has been calling multiple family members, some of which are in-laws saying I am in litigation and they are issuing an affidavit. I do n't know of any loans and none of the family members would be on my financials for a legitimate debt collector to even be abiding by the Fair Credit Act. The voice mails are vague, do n't leave case info, docket info, or any other info other than a phone number. This has been constant and distressing to me and my extended family.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-12
Company: Worldwide Recovery LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This guy keep calling me and were I work asking them to set a time that I can talk to them. I have ask fo info out them and info about to debt and never send me info

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay this debt on XX/XX/2015 to a different collector company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i recently requested a copy of my most recent credit report. I noticed a collection account placed on my credit report that was listed as charged off and had been placed in collection. At this point i sent the collection agency a letter requesting validation of the alleged debt, because i was unaware of any outstanding medical bills that i owe, and i requested detailed break down. I also indicated in the letter that i am allowed under HIPPA law to protect my privacy and medical records from any XXXX parties. Because i did not give permission to have my file released. The collection agency then sent me a validation letter, with an enclosed statement from the original creditor XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX, my father was in the hospital for over a month due to a XXXX XXXX. My father asked me to go to Macy 's to purchase a gift for my mother because she was so supportive during his health issues. I purchased diamond earrings using my Macy 's AMEX charge card. 
When my XX/XX/XXXX bill from Macy 's arrived, I gave the statement to my father to pay. Then, the XX/XX/XXXX bill arrived and I still had a balance. I figured my father 's check and the statement crossed in the mail so I did not do anything. 
When the XX/XX/XXXX bill arrived, I immediately called my father to see what happened to the payment. My father told me my mother loved the earrings but thought they were too expensive. He said my mother returned them so there should be a credit on my statement. 
After researching further, I learned that the Macy 's sales associate made the credit to my mother 's Macy 's credit card instead of mine. I immediately called Macy 's to explain the situation and XXXX removed the fees. I was then instructed to call Macy 's credit bureau to fix my credit issue due to this transaction. I spoke to XXXX who said it would take 45 days and should not be a problem. On XXXX XXXX, I received a letter from Macy 's saying they would not fix the problem. 
I am never late on my payments. I would like to remove this derogatory from my credit so I can move forward with my loan approval.

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 2017-03-29
Company: Convergys
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked numerous times not to be contacted by Encore and that they only communicate with me via US Mail. The company is contacting me several times a day via a Robo dialer. When I answer the phone they often hang up on you. The calls are originating from a call center in XXXX. I keep being told they will no longer contact me on my company cell phone but they still do. The debt collector often states they are on a recorded line but will not identify themselves until they try and verify all the personal information. I told them they were not authorized to contact this number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Transworld Systems Inc sent me a debt collections bill in the amount of {$64.00}. I do not owe this alleged debt. I have called Transworld Systems Inc, and they have used abusive and hostile communication tactics. In addition, the Transworld Systems customer service representatives have repeatedly hung up on me multiple times when I have called them. Transworld Systems Inc has repeatedly violated the Fair Debt Collections Practices Act with their repeated abusive and hostile debt collections tactics towards me. I do not owe this alleged debt nor do I want any further communication from Transworld Systems Inc as they have repeatedly violated the Fair Debt Collections Practices Act with their abusive and hostile debt collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i did a complete modification on my Mortgage loan back on XXXX, the application was received on XX/XX/XXXX, i did start with my trial payments as we agreed with XXXXenny Mac for 3 months, after the trial period i was calling them every single month in order to update their system with the new interest and the new payment, every time i called, i was told to please continue the please continue making the payments, the excuse every single month, was they had an issue with the system and promising that for the following month the issue should be resolved, beginning of XXXX when i sold the house and at the closing date when we receive the Payoff we did notice that the full interest was charged and the full modification was never updated, and i ended it to pay more Than i was suppose to, after we close, we receive a letter stating that the modification was not approved, full of lies, they took advantage and and they were charging me for the original interest of XXXX XXXX, i did everything what i was asked for, it's not fair to loose this amount of money specially in these times,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have 30-day late marks on my credit report for XX/XX/XXXX and XX/XX/XXXX. I reviewed my payment history with Santander and noticed that I made payments in both XX/XX/XXXX and XX/XX/XXXX. I called to get this corrected and they stated, " We do not do that. '' In addition, my account balance has only decreased by under {$100.00} since I got the loan back in XX/XX/XXXX. Santander could not give any detailed information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We had posted our complaint letter dated XX/XX/2017 to you through US first class mail on XX/XX/2017. Since we have not received so far we would like to know whether you had received our complaint, if not we will send all the documents again. At present we are attaching the complaint letter dated XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander has charged me XXXX every month to pay my truck loan with my debit card for 2 years and 6 months. Now they are indicating that it is only XXXX. I want the difference between XXXX and XXXX for 30 payments put on the principle of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Auto Properties II, LLC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-27
Company: TRANSWORLD SYSTEMS INC
State: IN
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 receiving a collection notice from XXXX for XXXX XXXX in the amount of {$30.00} for medication that was sent in the mail. As I have explained to XXXX since XXXX 2014, I have never been prescribed this medication, have never seen this doctor prescribing it, nor have I ever been diagnosed with this condition used for the medication. They continue to try and collect this debt from me, ruining my credit illegally. They have no documentation to show me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: SLM CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Upromise, a service run by XXXX, promises cash back when you use certain services via links from their website. The cash back you earn from spending on upromise partner websites is transferred into your children 's XXXX college savings accounts. Overall it is a great service but last year I had a trip planned to New York and would be spending roughly a month in a XXXX. Upromise offered 5 % cash back if you booked from their site. I did book directly from Upromise 's website and stayed at the XXXX. Upromise has not honored my stay. I have provided receipts and I did book carefully from their website yet upromise has denied me the cash back which is roughly {$400.00}. This is a significant amount for my children 's education account. I am upset and feel that upromise has misrepresented their services. Can you please help me? I feel like I have rights here but I need help to fight XXXX. Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation