BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: ERC
State: OH
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, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan Serving has been calculating my qualifying payments that count towards Student Loan Forgiveness. There are a number of loans that state that I have made 94 or 95 qualifying payments, but there also a number of loans that state I have only made 83 qualifying payments. 

When I inquired about this discrepancy, Fed Loan Serving told me that " XX/XX/XXXX through XX/XX/XXXX you were under an Extended Fixed Repayment plan which is not qualifying for Public Service Loan Forgiveness. XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX were all under several periods of forbearance and are not eligible for Loan Forgiveness. '' I believe I have always been on the same repayment plan for all of my loans. I do not recall being on forbearance ( although my servicer was switched from XXXX XXXX in XXXX so I do not have records prior to XXXX ). 

I think the only difference is that I did pay ahead on some of my loans in XXXX and then continued to make monthly payments when I technically did not owe a monthly payment. However, I would like credit for these monthly payments because I was continuing to pay even when I didn't have to. It does not make sense to not give me credit for monthly payments because that is additional money that the federal government will not have to eventually forgive. I just want credit for each month that I made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Portnoy Schneck, L.L.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/22 I went to use my XXXX XXXXXXXX XXXX and it was declined. I was very confused as there are sufficient funds in my account. I then went to XXXX only to find out that a hold was put on my account. I was completely besides myself and asked XXXX why> i was told there is a legal hold on my account put on by PORTNOY SCHNECK in the amount {$5800.00} and put the hold for {$11000.00}!!!! At this point in time XXXX told me they could not help me which I am furious about and how could they allow this without confirming all details were accurate. I then googled the name of the Debt collector and called them. They were rude and did not provide me with the facts to back up the claim. They simply told me to fax them a copy of my Bank Statement which I have no clue why I would do so as this is my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: JTM Capital Management, LLC
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: Problem with personal statement of dispute

Complaint:
My mother opened cc from XXXX XXXX XXXX without my knolege disputed thinking mistake sinvestigation said application card bill came my address well yes it did i lived with her 20yrs she has done this grandma stile checks grandma my dad now me i only found iut was her she died 2 accts XXXX XXXX and XXXX XXXX in her purse with all my info and also on my phone she had XXXX  app her name my info all u have do push button on app my phone gave info no knolege she ruined my credit after taking care her its fraud she was alive id press charges XXXX limited income feel like no where turn they made me believe was family im responsible uodate calked paid service fee XXXX XXXX to remove it from all3 repirts and waive fraudalint chg only got lettder for payment delete over 70 calls 2yrs threats police talk heard threats on phone callingXXXX toXXXX am XXXX at my exs kids so they wont answe when i call tell my name hang up

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX XXXX, I had my identity stolen and a number of accounts were opened in my name. I realized this when XXXX applications called me asking if I had applied for a credit card account. All of the accounts that were opened, were new accounts. I filed a police report on XXXX/XXXX/XXXX to make sure I protect myself and to open an investigation into the identity theft. In XXXX XXXX, I realized there were also purchases on my in-store Macy 's account. My credit card had not been stolen, and was still in my possession. The receipt image shown on my Macy 's account stated that my account information was looked up at point of sale with a Driver 's license XXXX CA. Unfortunately, this is not my Driver 's license number. I opened a claim through Macy 's fraud investigation in XXXX XXXX and submitted a statement of fraud, the filed police report, and a picture of my driver 's license. Macy 's fraud finally provided a decision XXXX XXXX stating they denied my claim and will not reverse the fraudulent charges on my account. I 've done everything they 've asked and provided substantial proof, however, still can not get this issue resolved. All the other accounts opened in my name were immediately closed out by the other companies, XXXX, XXXX, XXXX 's XXXX, and XXXX XXXX. Macy 's, the only one I actually hold an account with, is the one that has been the hardest to dispute. I also noticed on consumer affairs that I am not the only one having an issue resolving fraud on my account. There are various complaints about the company and I found many fraud complaints that are similar to my situation. 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 monetary relief
Consumer complaint received 2021-01-16
Company: First Technology Federal Credit Union
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had contacted FirsTech numerous times requesting them to update my credit and payment information with regard to my loan which was brought to current since XX/XX/2020. Yet as of today, the information has not yet been corrected and i had to finally to escalate the issue in person at one of their locations and was told " it will be taken care of '', which they had said to me many times in the past. 

This has causing the delay in my refi with another lender and having them questioning me for the loan status which shouldnt have been an issue had First Tech did their job at the first place.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My check was not credit towards legal tender for me XXXX use as it was a result of pain and suffering and I am still going troughs pain and suffering checking account XXXX check information THE CITY OF XXXX XXXX OFFICE OF THE COMPTROLLER - DEPARTMENT OF FINANCE IS AUTHORIZED TO PAY OUT OF THE CITY TREASURY THE AMOUNT SHOWN XXXX PER XXXX ON FILE AT THE AGENCY SHOWN ON THE PAYMENT WARRANT STUB XXXX XXXXXXXX XXXX XXXX  Dollars Check No : Date : XXXX XX/XX/2022 XXXX XXXX PAY TO THE ORDER OF : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX ********* XXXX NOT VALID 180 DAYS AFTER THE DATE OF ISSUE FOR COMPTROLLER COUNTERSIGNED XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXhese XXXX XXXX XXXX  XXXX XXXXXXXX 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 2016-05-27
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had a XXXX XXXX XXXX account which I quit using shortly after they announced XXXX was switching to a different issuer effective XX/XX/XXXX. 
I received a letter from Citibank around XX/XX/2016 welcoming me to their new XXXX card which I had not requested. 
I called them and was informed I would receive the new card unless I cancelled my XXXX account which I did that evening. 
On XXXX/XXXX/2016 I received a credit card from Citibank. 
It is my understanding that it is not legal to send unsolicited credit cards or to open lines of unrequested credit. 
Am I 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 2015-05-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
I obtained a secured credit card with Citibank XXXX years ago to enhance my credit score. The trade line on my credit report had perfect payment history. My vehicle was stolen along with my wallet in XXXX 2015. All of my credit cards were replaced. The stolen card and replacement cards for Citibank were accurately reporting until XXXX. XXXX credit bureaus have verified that the account was deleted by Citibank " due to fraud ''. I have contacted the bank numerous times to please re-enter the cards because it is adversely affecting my credit score. Several account managers have advised me of ways the company would correct the mistake. I received a letter attesting my account and payment history but it has not been rectified on any of my credit reports. The last person I spoke with on XXXX/XXXX/2015, XXXX XXXX, executive assistant at Citibank, assured me that she would personally call her contacts at each bureau and fix the problem by close of business on the day we spoke. I have left several messages for XXXX XXXX and have not received a return call. My credit report has not been corrected as of this writing. The account is open and current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Innovate Managed Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Innovate  XXXX   XXXX   ( fo rmerly  XXXX   XXXX   ) h ave erroneously reported  XXXX  and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke  to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My chime bank account was hacked into like hundreds of other consumers. Someone transferred {$1700.00} out of my account through the pay friends feature. This was my entire paycheck which was direct deposited on XX/XX/XXXX and the transfer occurred on the same day. I had previously contacted chime about text messages that I was receiving about my account and they said not to worry about it. Now Im being told that I have to wait 10 days to see if I MAY be eligible for a credit. Until then, I have no money and when I asked to speak to a manager they disconnected the call. So far, I filled out an affidavit and emailed and faxed it back like hundreds of other consumers. I am unable to speak with anyone other than the person that answers the phone first when they decide to answer the phone. This is very frustrating because its as if they couldnt care less. After reading the reviews I read today, this bank should be closed down because this happens a lot in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Ascension Recovery Management
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 is not mine

Complaint:
I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: NY
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, has violate my rights. 
15 USC 1681 section602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I have an a citi master card account since 2002. I have never been late on my payments. On their ( citi ) website I have an excellent credit fico score of XXXX. I was surprised when I called them today spoke to XXXX to ask them to lower interest rate which is at 20 %. They said NO. She said it goes with your credit report and when you applied for the card. It sounds ridiculous and I think citi are just stealing my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Spark Credit Card was used to purchase items totalling {$100.00} on XX/XX/20 from website https : //www.xinsstore.com/ via paypal intermediary. Products  purchased from a likely fraudulent website for {$100.00} for items that were relatively low in cost from other vendors. 

A credit card dispute was filed, and paypal responded that their vendor claimed : Seller Notes Date and Time XX/XX/20 XXXX XXXX  Notes SEND OUT ORDER BY XXXX HAVE GOT ORDER THANKS USPS tracking demostrated product was shipped to XXXX, MA and left XXXX front porch. On contacting USPS and receiving a call from them it was delivered to a different address with package weighing 17 lbs which would be incorrect for items ordered, so I assume they may have delivered another package, and fraudulently claimed this is mine. 

An attempt to get a refund from the company due to lack of contact information or via website inquiry for was unsuccessful although originally there was an XXXX number. Capital One representative earlier tried to contact number, and was unsuccessful. 

Currently Capital One is unwilling to pursue contesting the paypal transaction or refund the amount lost despite the misleading and clearly fraudulent response by the seller attempting to claim they actually shipped something to me.

Company response to consumer: Closed with explanation