BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: Experian Information Solutions 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:
Ive made countless efforts to reach out to Experian regarding my account with XXXX Theres a Payment reporting late for XXXXz I wasnt late. XXXX has been having issues with website and phone lines. I disputed online with Experian they refused to remove late payment. I mailed letter and received a letter for validation of debt which I never asked for. Im simply asking for late payment reported to be removed it hurts that these letters are not being reviewed when we consumers mail them in

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 2016-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
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:
Call from XXXX Linebarger, Goggan, Blair & Sampson, LLP stating that my mother owed {$130.00} in tolls in the XXXX area. My XXXX year old mother has been in XXXX for the past 2 years and has not driven for several years. Also, she has never been to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2021, I consumer XXXX XXXX, attempted to obtain my free credit report from the credit reporting agencies and I was getting an error, therefore I can not access this file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer to sign up for a Citigold checking account. The terms of the offer were that after meeting some requirements like, make XXXX bill payments using the account, I would receive XXXX Citi Thankyou points after no later than 90 days. I have met all requirements and Citi refuses to send my points. It has been much more than 90 days now.

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 2015-10-05
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been living in my property over 8yrs, got into some financial difficulty due to medical condition. I was only 3 months delinquent and I sent XXXX payments in that was sent back to me. I have been waiting for almost a year to get some type of assistance which made them charge me more late fees along with attorney fees. I was recently denied for options due to the amount of months they are stating I am delinquent ( over 12 months ) I disagree and in addition I was not given the option of a partial claim nor a repayment plan. I attempted several times to contact them and was told to call there lawyer. I was never served a complaint to negotiate the amount i owe to this date. I am appealing the decision made of denying me any and all options with the acceptation of selling my home. I am not happy with the results of this mortgage/servicer company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was reaching out about a recent phishing attack through my email that caused a cybercriminal to withdraw around XXXX XXXX dollars from my coinbase account in which coinbase has since done nothing about. I understand there has been a series of cyberattacks against coinbase users and wanted to report my incident as well. There was an email sent that imitated coinbase and asked me to verify my account. Within minutes, my XXXX dollars was deducted. This incident occurred on Fri, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success. 
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXXXXXXXXXX Per attached Best Buy purchase of XXXX ( XXXX ) Office 365 Product ( back-copy ) and receipts, I was under the impression that if I did not " scratch-off '' the back of the XXXX Office 365 product-card ( see attached ), the product could simply be returned to Best Buy and put back on the Best Buy store shelf for another purchaser. 

However, upon returning to the Best Buy XXXX XXXX, XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX with the " unscratched '' XXXX Office 365 product card, I was told by the Best Buy store salesman XXXX XXXX and Best Buy customer service rep that even if I brought it back in the 15-day window time for returns, since it is " Software '' it is NON-REFUNDABLE. 

No where on the receipt, or during the purchase, or posted on the purchase aisle in the store was I made aware that since it is " Software '' it is NON-REFUNDABLE, but rather, I was led to believe that if I did not scratch-off code on the back, I could simply return the product to where I bought it. 

As a " naive '' buyer, I was also led to believe to always buy software for any computer purchase, but the XXXX Airbook ( XXXX Air, XXXX Air on the receipt ) apparently is able to use cloud-based docs and spreadsheets, and does n't need any " downloadable '' software. 

The original Best Buy salesperson XXXX XXXX and Best Buy Customer Service rep were unable to help me with any possibility of return and explained that once the XXXX Office 365 product was scanned at the register, at that point in time, it became non-refundable - even though I did n't scratch-off the back of the product card and even if I had brought it back in the 15-day return-time window. 

I was not made aware of this at the time of purchase, but rather was simply made aware of the need to scratch-off the back to use the product. 

Customer service at Best Buy XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX told me to call XXXX, which I did, and they gave my this email XXXXXXXXXXXX to which I wrote. 

What is the official procedure for Best Buy, or ANY store that sells separate software along with computers, to accept return of UNUSED/UNSCRATCHED XXXX product to enable a refund or exchange? 

At the attempted time of return, Best Buy in-store Customer Service seemed to imply the onus was now on me as the " owner '' of the software-license to NOW deal directly with XXXX (?! ) since their cash-register-scan removed the product from their shelves without the possibility of return. 

However, further enticement was made at the time of purchase to perform the purchase via " new '' Best Buy Credit Card, which also was done, again with the implicit ( and now-found-to-be-INCORRECT ) assumption that returns could be made to the card if the XXXX Office 365 product was deemed unnecessary at a later date. 

Please investigate and reply.

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 2021-10-06
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company is currently showing 30 days late ( XX/XX/2021 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2022-08-04
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:
Equifax received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through XXXX, a third-party credit reporting agency and or with the bankruptcy court directly. I contacted XXXX directly and disputed the bankruptcy in question after an investigation XXXX can not verify the bankruptcy so they deleted it from my credit report. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives Equifax information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to Equifax showing them that XXXX can not verify the bankruptcy and deleted the information from my credit profile. I also informed them if they verified the bankruptcy from XXXX and XXXX no longer reports this on my credit report they can not reveal how they truly verify the bankruptcy and it needs to be deleted according to the FCRA they have refuse to delete the bankruptcy after I have shown them proof that the bankruptcy can not be verified by XXXX and the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it either. After receiving my letter on XXXX where I give Equifax proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: States Recovery Systems, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've already spoken to them XXXX on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased several thousand dollars worth of XXXX XXXX gift cards starting from XX/XX/XXXX-XX/XX/2016 and started purchasing them again this week ( XX/XX/XXXX-XX/XX/XXXX ). On XX/XX/XXXX, I noticed that my gift cards have all been closed. I am the card holder / authorized purchaser on all of the gift cards. XXXX XXXX closed ALL of my gift cards dating back all the way since XX/XX/XXXX-XX/XX/2016 this year without contacting me prior to the closures nor are they issuing refunds. I have called XXXX XXXX XXXX times in the past week and they have not given me any refunds or resolution to the issue. I am now out thousands of dollars because they decided to unlawfully cancel thousands of dollars in gift cards that are n't supposed to expire and are transferable by law and no refunds are in sight. I have called Citibank ( the card issuer ) used in most of these transactions three times now and they have not been of assistance in helping me recover the funds from XXXX XXXX - as I 've essentially lost thousands for nothing. The first call to Citibank, the representative said she would help me dispute all of them - that never happened. The second call representative told me they could n't be disputed since they 're gift cards. The third representative told me she would dispute all of them and issue me a new card and that never happened either. This week 's purchases ( before I noticed ) - I never even received the gift cards I paid for and after this week I noticed XXXX XXXX literally cancelled all of my gift card purchases and never refunded any payment. Both parties do not want to help me and I am out thousands of dollars paying for literally nothing. XXXX XXXX quite literally stole from me.

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 2016-07-25
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.

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 2017-02-03
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This was an unused line of credit which has an erroneous report of late payment in XXXX of 2013. As there was never a balance on this account, there was also never a late payment.

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 2021-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
ON XX/XX/2021 THERE WAS AN INQUIRY ON MY REPORT I DID NOT RECOGNIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with NATIONWIDE RECOVERY SV for them to have obtain my personal information or medical records. In fact NATIONWIDE RECOVERY SV this is an violation of 15 USC 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 USC 1302d-9 ( b ) ( 3 ) HIPPA Privacy. By NATIONWIDE RECOVERY SV obtaining my personal information and medical records with out my consent have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt NATIONWIDE RECOVERY SV has furnished to my consumer 's reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Other fee

Complaint:
My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 I submitted a loss mitigation application. Carrington Mortgage made several requests for documents of which I have complied with all. The final request was on XX/XX/XXXX. On XX/XX/XXXX I recveived correspondence that all required documents had been received and a decision regarding my request would be sent within 30 days. On XX/XX/XXXX, Carrington made three additional requests : That I provide the following : 1. Borrower Proof of Occupancy ( displaying my name and address on a Utility bill/cable bill ) 2. A corrected Profit and Loss Statement to remove tenant income/rent 3. A copy of my lease agreement. 

These documents were sent in response to the request. On XXXX XXXX, I received correspondence from Carrington suggesting that my file was incomplete. I called the Mortgage company to inquire as to what was missing and was advised that the the 3 items above were not submitted. After speaking with the representative, she confirmed that Carrington was in receipt of the requested documents. I requested that I received confirmation reqarding the same and was assured that all the requested documents had been received. On XX/XX/2021, Carrington Mortgage sent correspondence indicating that myt mortgage assistance application had been cancelled because they had not received all the documents to complete my review. I called and disputed this and requested that my application be reopened. I was advised that I could send a request that it be done and resubmitted all my prior documents and emails. In response to my request, Carrington mortgage insists that the documents have not met the minimum requirements for a Loss Mitigation Application and to submit a new application. Carrington Mortgage is engaging in unfair trade business practices by suggesting that the documents are not sufficient when I have complied with every request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: General Motors Financial Company, Inc.
State: OH
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 XXXX XX/XX/XXXX GM Financial created an unauthorized credit entry on my credit reports. After noticing the inquiry, I sent them a certified letter on XXXX XX/XX/XXXX requesting they remove this unauthorized inquiry. The company did not provide me with a document that I singed stating I gave them authorization to run my credit. They sent me a letter on XXXX XX/XX/XXXX stating another company gave them authorization and still did not provide me with a document bearing my signature or authorization. I sent GM another certified letter to give them another chance to have the inquiry removed on XXXX XX/XX/XXXX. I have not heard from them since. Todays date is XXXX XX/XX/XXXX. I plan to send my next complaint to the Attorney Generals office.

Company response to consumer: Closed with explanation