BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Citibank sent the cosigner, my mother, a letter demanding full payment of my private Citiassist loan which startled her almost to a state of shock. They claimed after repeated requests I 've failed to make required payment on the loans. Citibank claims the loan charges off after 120 days. I have a past due balance of less than XXXX and paid them a monthly payment less than thirty days prior. When I called and asked why only my cosigner received this letter, the flustered correspondent sent me to an escalation specialist ( # XXXX ) who refused to explain anything and literally only asked when I would like to make a payment for the full due balance and never answered for their dishonest attempt to shake down my mother behind my back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus 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 remove the following items completely from my Credit Reports : XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2022-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received a text message from ( XXXX ) XXXX at XXXX. EST on XX/XX/2022 See the attachment which reads as follows : Citizens Bank : Are you trying to sign in from a new device or location? If you don't recognize visit : XXXX to Protect your account. 

I contacted Citizens Bank immediately and the representative gave me this contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. O n   XXXX   XXXX   XXXX   this company recei ved a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I wired money from my Citibank account in the XXXX to my XXXX account with a XXXX Bank in XXXX. 

After I made my wire transfer online and get the confirmation number, I was called XXXX times from Citibank to verify my identification. After all these XXXX calls, I was told that I had answered all their security questions and the wire transfer would go through soon and I just needed to wait here. 

Then I was called again by Citibank ( the lady actually hanged up on me ) that my online wire transfer can not get through, and I need to fly to another city ( XXXX ) with Citibank branch to get my own money back as there is no Citibank branch in XXXX. People refused to answer why I was treated like this this time as it never happened to all my previous online international wire transfers ; and they refused to answer what policy caused clients to go to another city to get their own money back. 

This transfer is from me to myself, the sender and the receiver are the same person and I have answered all their security questions, XXXX times. 

I believe it is not reasonable to treat clients like this, and the service people are very rude

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: IN
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:
TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, XXXX AND EQUIFAX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS XXXX, TRANSUNION AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX  # XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 I sent XXXX a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After 30 days of getting no response, I sent another letter on XX/XX/2021 informing them that I havent gotten a response if 30 days so by law they have to remove all unverified accounts. And they have yet to respond to any of my letters. And my certified mail tracking shows letters we successfully delivered. Also XX/XX/2021 I sent Transunion a 609 letter to remove all unverified/unauthorized accounts without showing how verified as a result of identity theft. After almost 30 days of getting no response from them either, sent another letter on XX/XX/XXXX informing them that I havent got a response in 30 days so by law they have to remove all unverified accounts. And they have yet to response to me as well. And my certified mailing shows mailing was successfully delivered.

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 2015-10-23
Company: FirstKey Holdings, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Bread Financial Holdings, Inc.
State: MI
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:
There is an account on my credit report ( XXXX XXXX that I do not recollect opening. 

I sent a letter to the creditor, Comenity capital bank asking for information on this account but more importantly, I would like a copy a contract/ and or what was bought at XXXX so I could investigate it. 

Comenity capital bank sent a letter back to me saying the account in question was sold on XX/XX/2019. 
Im not sure how they can report this on my credit without validating this account at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a loan remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, XXXX XXXX. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by XXXX, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to PHH Mortgage. I was assured that I had no tasks before me, that any payments would be automatically credited to PHH. I received those assurances from XXXX, PHH, and XXXX XXXX. XXXX refused to transfer the payments to PHH, and PHH refused to pursue the issue with XXXX. After complaints to XXXX XXXX and multiple email contacts with XXXX, PHH acknowledged receipt of the money from XXXX on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from XXXX to PHH by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of XXXX. I have a considerable amount of interest on the principal to which PHH has refused to credit my account. All of those issues have violated both my contracts and the law. PHH is an institution with nearly 1700 complaints before the CFPB. I did months of research before taking out a refinance, and skirted PHH because they have a history of fraud and have learned they can get away with it when they prey upon the elderly, the honest, those with XXXX, and the lower and middle class. XXXX XXXX is equally to blame for continuing to push business toward PHH, knowing that their intent is to engage in illegal and fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 2022-10-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have requested my payment history for loan entirety and still haven't heard or seen anything from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I make multiple attempts to reduce my monthly payment. Do to my current income and living expenses I 've been forced to put my loans into forbearance which subsequently accrues interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation