BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-09
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying a XXXX mortgage on our other house that my stepson and his family are living in. In 3 1/2 years they have maybe payed me a total amount of {$1500.00} and the mortgage is almost {$800.00} pr month. I have called Green Tree ( mortgage ) co and asked for modification to lower the payment. After getting all of the paperwork together we were denied. I at that time tryed to get in touch with my Account Manager at Green Tree and found that I have my third different account manager who in turn told me not to make a mortgage payment 4 four months and that will force Green Tree to help with lowering the payment. That did n't sound right and I heard of CFPB through a title servicing company. So I am writing this letter and asking to get the right and legal help for my situation. On Wednesday, XXXX XXXX 2015 I found out that I now have my fourth account manager in the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To Consumer Financial Protection Bureau : I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In late XXXX XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised XXXX AAdvantage miles would be credited to my AAdvantage account that was linked with my Citi AAdvantage Platinum Select credit card. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told to wait for about 90 days and my points would be posted to my XXXX XXXX XXXX account. However, towards the end of XXXX, my miles had not posted and it had been past 90 days. On XXXX XXXX, XXXX, I received a formal letter from XXXX XXXX, Director, Client Research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.

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 2017-04-27
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received an email on  XXXX   XXXX  from FedLoan Servicing telling me that I had a secured message. When I logged in to the service, I read a letter telling me to recertify for my REPAYE plan by  XXXX   XXXX . I submitted paperwork through studentloans.gov as directed on  XXXX   XXXX  and received an email on  XXXX   XXXX  stating that my request had been received. I then received another email on  XXXX   XXXX  that stated the exact same thing. Finally on  XXXX   XXXX , I received an email staying that I needed to recertify my ICR. I 'm concerned that FedLoan is dragging their feet and it will allow my ICR to expire, capitalizing my current interest and further damaging my credit.     This happened in   XXXX   as well, where it took nearly 4 months for them to process my paperwork and they capitalized my interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department an d 3-4 pe ople over the course o f 5-6  months ( beginning  XXXX   XXXX   ) a nd they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although   XXXX   showed the account as closed, it still showed a {$100.00} high balance. Experian shows no balance, but a 30 day delinquency and not closed. Experian shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.

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 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Other

Complaint:
i am filing this complaint against my credit card company capitol one for not rendering the services to me i would have expected when i was the victim of online fraud.i explained to them that this is not a billing dispute, it is for undelivered goods and services.these companies need to produce what they have done for me not the opposite.i paid XXXX XXXX on XX/XX/2016, XXXX XXXX XX/XX/2016 and XXXX XXXX on XX/XX/2016.these monies should be returned to me for services not rendered.capitol one seems to blow me off. im not asking capitol one to do anything there not suppose to, i feel it is easier for capitol one to just say it is to old.these companies are taking advantage of the elderly which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I opened a XXXX account, with the hope of building my credit. I paid the {$30.00} fee and ordered 1 item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance. So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to XXXX. After the second attempt, I was given my {$30.00} enrollment fee back and closed my account. Fast Forward to XX/XX/XXXX and the harassing collection calls begin. XXXX was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department and 3-4 people over the course of 5-6 months ( beginning XX/XX/XXXX ) and they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped. The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to XXXX 's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although XXXX showed the account as closed, it still showed a {$100.00} high balance. XXXX  shows no balance, but a 30 day delinquency and not closed. XXXX shows a {$100.00} high balance and not closed. I have disputed this information with all 2 creditors and the account was " verified '' ; however, this info is incorrect. I have talked to XXXX and they claim my account was deleted on all XXXX bureaus, but as of today, it still stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 62XXXX ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a FTC report and Equifax has failed to rectify and delete the fraud items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have a debt with citibank for an old XXXX card, my debt was sold to a company called XXXX. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by XXXX with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.

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 2021-04-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I told American Express long time ago that all communications from Amex should come to me via online, NO paper mail. 

A couple of days ago I called Amex and asked the operator to confirm if that setting is activated and he confirmed that all communications from Amex would come to me via online ONLY, and that is how it is set up. This was confirmed to me over the phone two days ago. Go listen to that phone call. 

Hours later I receive two emails from Amex which states " Withdrawal of your consent to receive Account Communications in electronic format ''. Who gave this consent? 

What's going on here? Are you trying to play games with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have  XXXX   American Express Cards ,  XXXX  is a Business and  XXXX  is Personal.   The business card has a credit balance of  XXXX  and I wanted it transferred to  the Personal Card. T he Customer service says it tak es 7 to 10 b usiness days. ( to transfer a balance are u kidding me ) I started the process on  XXXX   XXXX  via a Chat line from the company website. Around the  XXXX  of  XXXX  I called to find out what the problem is because it was not transferred.   They gave me a line that the Chat people did not do it. So on the  XXXX  they said it would take another  XXXX  to 10 business days to make a transfer. Stupid as it is ....   So now is the  XXXX  and still nothing has been done.     How difficult is it to transfer a balance between  XXXX  accounts at the same company?   Why should it even take 1 day vs  7 to  10 days to do a simple transaction. Their answer .. . .. Pr ocedure ....   Makes no logical sense.     The  XXXX  credit cards are Personal  XXXX  Business  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX Balance : {$330.00} Date Opened : XX/XX/2020 {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Based on misinformation provided by CITICARDS customer service on procedures required by the card holder in submitting a merchant dispute the card account was closed. Citicards provides no way of getting in touch with their offices and getting an explanation as to why the card was closed, nor do they provide a procedure as to how a card member can request an investigation into the matter and have their complaints reviewed. 

This was an account in good standing for over one year, total balance paid in full every month and 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 2022-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Know that this inquiry is unauthorized. I have not reached out to this company nor inquired about anything. There must be something wrong with XXXXXXXX XXXX  investigation which they should eventually correct. Please see the inquiry that is unfamiliar to me. 

XXXX XXXX Inquiry Date XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1 I closed my checking account with Citi-Bank N.A,. The bank did not include my interest earn in my final closing check.. I contacted there Citi gold department but up to today all they keep saying that it 's being worked on ( NO - Check almost one month later ), I was told it 's in the mail. When i closed my Citi gold checking, they SHOULD have provided a complete check with earned interest. 
2- I have not been getting my statements from them on a monthly cycle, which caused late fees, and then I recently got a statement with a different City and state address to me. When i complained to Citibank Citi Gold Customer Services, about it they kept telling me the check is on the way. The true fact is that almost a month later and no check. It seems to me that did not do anything. I suspect my mail is going to this address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.

Company response to consumer: Closed with explanation