BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted citi to change my credit card for one with no annual fee when I did that the manager I spoke to told me the annual fee would be reversed/refunded. I did not make a monthly payment as I owed $ XXXX and the refund was for {$100.00} for the annual fee. {$100.00} would cover my balance and leave some left over credit. I did not make a payment thinking that it would be covered as I was told by a manager. I called citi on XX/XX/20 and was told they would not be reversing the late fee ( caused by bank error ) nor would they be reversing the annual fee. The manager/ supervisor I spoke to made it seem like I was lying when I said a manager told me the annual fee would be reversed. If calls are recorded or noted Im sure it could be found that I was in fact told that. When I asked for a higher manager the representative told me they were only available during business hours ( although they answered my call meaning they are open? )

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 2020-01-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received a call from my Citibank ( XXXX XXXX Branch ) relationship manager Mr. XXXX XXXX that there were some KYC questions that he wanted me to answer. 

I answered those questions and Mr. XXXX informed me that the would make the necessary changes at his end. 

Later on XX/XX/2020 I tried to make a withdrawal from my Checking account with Citibank using my ATM/Debit Card but was denied. I contacted Customer Service at Citibank and learned that a " Block '' had been put on my account by Mr. XXXX. The customer service agent informed me that they had sent Mr. XXXX an email about this. 

On XX/XX/2020 in the morning, Mr. XXXX called me to let me know that he would have the " Block '' removed by the end of the day. In the evening, however, when I tried making a withdrawal, I was once again denied. I was also informed by a vendor that a check I had issued to them last week had been returned. 

The following are the bank 's details : Citibank XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, NY XXXX Relationship Manager : Mr. XXXX XXXX Tel : 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 2022-07-06
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Received a Marcus GM card in XXXX. We paid the entire balance XXXX. ( XXXX XX/XX/XXXX ) Did not receive a statement in XXXX, finally called them and were told they were having trouble catching up with new customers, but were told our balance. It was paid in full XX/XX/XXXX. Our next statement had an {$80.00} finance charge, which we called and disputed immediately. On XXXX Marcus agreed to waive that {$80.00}. We paid the entire balance, minus the {$80.00} on XX/XX/XXXX. Our XXXX statement added the {$80.00} back in, plus charged us an additional {$63.00}. We spent many hours on the phone with both a representative and a supervisor ( XXXX XXXX and were told that they were crediting the {$80.00}, but that we had to pay the {$63.00}. No one could tell us what that charge was interest on, just that we had to pay it. We received a follow-up in writing stating that we owed the {$63.00}. After spending more than six hours on the phone with this company, we are done with trying to get satisfaction from them, and are filing complaints with all interested parties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible

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 2019-11-25
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to Complaint XXXX. I contacted the company today and discovered that they did not credit me with my XX/XX/2019 on both mortgages. We were hacked before XXXX, it looked like the usps got mixed up or something, but when I talked with them today, they tried to say it was XXXX and XXXX XXXX but finally, we figured out it was XXXX. After the first rep, I checked my bank account and both payments were sent to SLS electronically {$1200.00} on the first mortgage and {$280.00} on the second sent XX/XX/2019 and they processed it XX/XX/XXXX. They do not show they received it, so I emailed and faxed them a copy of the bank statement after talking with their second rep. So from XX/XX/2019 they have been reporting us late on our credit reports and charging extra and since the above complaint we received a notice of default and intent to foreclose. I also sent them a copy of the law that states that the postal stamp is considered the date received, not when they process it. Thought you would need the additional information. Could not download bank statement confirming because it is in pdf format, but can fax to you if you send me a fax or email, if you would like it.

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 2021-08-23
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased furniture from XXXX XXXX and applied for their credit card through Comenity Capital Bank. I paid the bill in full {$730.00} XX/XX/XXXX. I then received a bill stating that I did not pay the XXXX and also was charged late fees and interest and that my new balance was XXXX ( XX/XX/XXXX due date ). I contacted Comenity Capital Bank and completed their resolution process. I was sent a letter dated XX/XX/XXXX which stated what I needed to send in. I sent in a letter dated XX/XX/XXXX along with my current bill due date XX/XX/XXXX in the amount of XXXX and the electronic check ( front & back ) from the bank ; a copy of the XX/XX/XXXX letter and a copy of the bank transmittal showing when the check was delivered to the comenity facility in XXXX XXXX, TX. 

Later, I received a letter dated XX/XX/XXXX stating, " after careful investigation, we have determined that you are not are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. Please allow on to two billing statements to reflect the adjustments. If applicable, we have provided this updated account information to the credit bureaus. 

I continued to received bills that show fees/interest accruing. I called Comenity Capital Bank in XXXX to have them correct this issue as it is affecting my credit with the various bureaus. I was informed that there was nothing that could be done and to wait one more billing cycle. My XXXX bill showed that I owed {$40.00} ; XXXX {$63.00} ; XXXX {$73.00} and now XXXX {$100.00}. Comenity Capital Bank calls my cell phone 3-4 times daily wanting me to pay them what I do not owe. I can never get anyone to correct my account and it is now a HUGE PROBLEM. I feel completely harassed by this banking institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21
Company: Credit Karma, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
MIDLAND FUNDING LLC HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO XXXX OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX. and said it was assigned to Capio address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name XXXX XXXX XXXX XXXX XXXX XXXX. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX XXXX in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13
Company: Diversified Adjustment Service, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: BARCLAYS BANK DELAWARE
State: WA
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:
On XX/XX/XXXX we closed on a refi with our title company. With the closing of the refi, we were paying off the balance of {$9400.00}. The title company overpaid by {$1700.00} so the check total was for {$11000.00}. 
Barclay received the check, cashed and cleared by XX/XX/XXXX. 
I called Barclay and was told it can take 7-10 business days for the payment to be applied to our account. It never got applied to my account. 
I was then informed it would take another 7-10 business days to find out IF Barclay actually received the payment. In the mean time I was advised to SEND ANOTHER PAYMENT so I won't get hit with a late fee!!! So not only do they have my money, they have the overpayment of {$1700.00} AND they want me to send them another {$230.00}. 
I feel like I have been taken for a ride and I have been stolen from. All I want is my money back, to pay them off and get them out of my life and spare anyone else the headache and time spent trying to get them to just do the right thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: AFNI INC.
State: NC
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:
I have consistently disputed this creditor and have successfully deleted this creditor from my credit reports, however after about a month or so it pops right back up on my credit report. This is inaccurate information, I have never used XXXX services for anything. I have been working tirelessly to correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/2015 XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

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