BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: Navient Solutions, LLC.
State: MO
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:
Navient added remarks to my student loan.I was forced into forbearance by navient again.I am scheduled to resume making monthly payments of {$170.00} a month.Starting in XXXX 2017.Navient continues to add balance increased on my credit report, but I am in forbearance.Navient is not allowed to make add any remarks to my credit during this time.They did not ask me to add these remarks.This company is horrible and they all should be arrested for fraudulently credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.

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 2015-07-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I have closed a XXXX XXXX credit card becuase of high annual fee of {$450.00}. 
I closed this account on XXXX day after this fee appeared in the monthly statement. 
Customer service refused to refund the annual fee either in full or pro-rated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16 I called into Citibank to open a checking account with the promotional code for XXXX XXXX miles. I spoke with XXXX As part of the promotional fine print, I was to meet certain spending and billpay conditions. I met those, and can provide proof. Because I did not have any proof that the promo code was correctly applied to my account, I sent a secure message to Citi to confirm this on XX/XX/XXXX16. They replied, that they were unable to see the account application to determine if a promo code was applied, but that if it was, I would be eligible for the promotion. Therefore I continued to meet the requirements set forth and pay a monthly fee for this checking account, based on this response. When the miles were not credited to my account, I contacted Citi. On XX/XX/XXXX16, XXXX did confirm that a promotion code was attached to my account, but that I was n't targeted for this. Because citi was unable to provide me with this information back in XXXX, I continued forward, and only after they were to fulfill their end of the deal, did they provide me with information contradicting their earlier response.

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 2017-02-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a deposit for XXXX to wells Fargo on the XXXX of XXXX. They told me there would be a hold until the XXXX. On the XXXX talking a my customer who wrote the check he said they, had already taken the funds from him. I went to the branch and explained and, l they said there was nothing they could do. They are holding people 's money t, use it for their interests. I would like to know if I have any recourse?

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 2016-01-19
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a XXXX XXXX XXXX woman suffering from XXXX XXXX MCM called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told MCM that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-06-01
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX had threaten me with a garnishment even though there is not a judgment against me at all. My federal loans were in deferment and my private loans were the only ones past due. I have complained to XXXX XXXX about XXXX, there are several complaints about them online about given misinformation on purpose. I have complained to the XXXX Department of Financial and Professional Regulation in XXXX because their behavior is illegal per XXXX law. XXXX claims XXXX is a lender when they are not, it is illegal to say that. NCT is a XXXX trust not a lender which has to be disclosed on the paperwork sent by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX. About XXXX, experian especially, XXXX XXXX, since XXXX they had discriminated me of my credit reports since XXXX, still not fixing everything right. I send i to you as well about my score, and experian is not taking off all of my student loans off because she had lied and changed the name and dated on their since XXXX XXXX nothing is suppose to be wiped off. And you are not being fair about my score and she keeps on dropping it. It 's why I need someone else to help and of my emails on phone as well. They respond back cause XXXX wan na sue you about my credit reports and they keep on ignoring to hold me back and to have someone else to get done for me. I know what I 'm doing by myself stuff. And ignore to me. So help me now please. I ca n't d it by myself. Or phone or emails. 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 2016-05-06
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Citigold account in XXXX XXXX partly because they had a promotion offering XXXX ThankYou Points if you met certain requirements such as paying a bill online. I met the requirements in XXXX XXXX and Citibank confirmed in writing ( via their secure E-Communications messaging system on their website ) that I met the requirements and I was eligible for the bonus. In fact, this was confirmed twice after I asked them where the points were because they did not post as they stated. I have attached those messages which also has the promotional ID that I am eligible for. 

I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.

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 2016-03-04
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a new home phone number XX/XX/XXXX. Since then I have been receiving calls from Macy 's Credit Operations concerning a person named XXXX XXXX. I have told them each time that there is no XXXX XXXX at this phone number, but they continued calling. Finally, I decided to write down the date and phone number of each call. They are as follows : XXXX XXXX ( 2 times ), XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2015-03-19
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling daily. Calls are made by a robot. This is evident because there is no one on the line when I answer the phone. When I do answer, the person talking to me refuses to disclose that they are a collections agency. I spoke this morning with " XXXX '' and to " XXXX, '' both of whom refused to tell me what the call was referring to and required my phone number after which they would transfer me to another representative. I refused to give my information to them. XXXX hung up on me. She refused to give me the company name and address. She refused to allow me to speak with a supervisor. XXXX gave me an address then agreed to transfer me to a representative but instead I was disconnected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was stunned when I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, XXXX XXXX and XXXX XXXX ; 60 days past due as of XXXX XXXX and XXXX XXXX ; 90 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2015-10-02
Company: CITIBANK, N.A.
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways.

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 2016-09-24
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Late fee

Complaint:
Hello, I was charged a late fee on my citi credit card on XX/XX/2016 and when I called to reverse the fee about a week and a half later ( and subsequently closed the account ), I was told by the representative that it was removed successfully. I did n't see that reflected on my account on-line so I called them again which I was told that the on-line information wo n't change since the account has been closed. To my surprise, I was charged again with another late fee on XX/XX/2016. After I called the company to resolve this, I was assured again it was resolved and the account will return to XXXX balance the following day. When this did n't happen, I called them again, and this time they told me they are unable to reverse the late fee because they are " valid '' charges. I was also told there is no log of the late fee reversal was successful from their " note '' to prove what I was told before. However, I was not aware of the fact that I need to specifically request to log what the previous representative told me on the " note '' in order for subsequent agent to follow or acknowledge as such information is not provided through my previous calls, online, or through mail communication. I think my credit was hurt because of the fact that the bank provided false information on multiple occasions and push me into worse and worse financial situation via compounding fees that I would n't been in otherwise. The representatives kept telling me it was taking care of but it was never done and since each inquiry requires waiting time, the late fee is accumulating and they changed their story when it is too late. It is the bank 's responsibility to provide consistent and accurate information to its customers as they will be placed in the disadvantage position if they can not trust statement from the agents who are representing the 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 monetary relief
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Metro 2 compliance letter sent to Transunion with full detailed technical statements.

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 2015-08-04
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Nationwide Recovery Services refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with Experian XXXX and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

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 2016-03-05
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have already submitted a complaint # XXXX. I was supposed to have a remedy within a 60 day period. Needless to say, the 60 days have passed and no response. The merry-go- round begins again. Please see what can be done and keep me informed, PLEASE!!! Thank you 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