BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuous calling throughout the day, called my employer 's cell and work phone and continued to call after I asked not to call.

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 2023-02-03
Company: EQUIFAX, INC.
State: TX
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 been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to my account.

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 2016-01-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Using a Macy 's credit card issued by XXXX XXXX, I purchased on XXXX XXXX, 2016 men 's socks for a total of {$21.00}. A statement for that amount was mailed to me, which I should have paid on XXXX XXXX, 2016. Since I was overseas until XXXX XXXX, 2016, I failed to make that payment, as well as the payment for {$43.00} which a subsequent statement required I make by XXXX XXXX, 2016. I paid {$21.00} on XXXX XXXX, 2016 after seeing the initial statement in that amount, and a further {$61.00} on XXXX XXXX, 2016, after seeing the second statement. I immediately asked Macy's/XXXX to close my credit card amount. Nonetheless, I received yesterday upon my return from another trip, yet another statement which required me to pay a fee of {$1.00} by XXXX XXXX, 2016. Upon calling Macy's/XXXX on XXXX XXXX, 2016, they said they would waive the balance on the closed account ( {$2.00}, for another fee of {$1.00} had been already added ), but when I requested that they send me a statement showing a XXXX balance on the account they said they would not do it unless I paid them to issue it. I believe that for my own and others ' protection I had to bring this predatory behavior to your attention.

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 2016-07-08
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

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 monetary relief
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A month ago we were vacationing in CA and purchased items at Macy 's in XXXX XXXX ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the records showed that they had called yesterday, that they would send me a bill, but if I wanted to stop the phone calls I would have to pay him now. I said I would not pay unless I received a bill. The man I spoke to yesterday said the bill was being sent and that I did n't have to pay until I got the bill and would incur no interest charges. The man who called today said the phone calls would continue unless I paid him immediately even though I had n't received the bill. This appears to be harassment to collect a bill for which I have not received a bill statement, and I have not received the credit 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 monetary relief
Consumer complaint received 2015-09-24
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-03
Company: Automated Accounts Management Services
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in FULL to them and they will not remove this from my credit report. It 's been over 75 days and it still appears on my XXXX as open

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been making regular monthly payments since XX/XX/2003. At that time I agreed to pay {$300.00} on student loans obtained thru XXXX at an interest rate of 3.5 %. Sometime in the recent past, the interest has been increased by Navient or XXXX without any notice or consent. As a result the balance of the loan will not be paid in full at the end of the 25 year term. Does Navient have the legal right to raise the interest rate whenever it desires?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IDENTITY THEFT RESULTED IN FRAUDULENT CREDIT CARD APPLICATION FOR XXXX ON XX/XX/2016. IS STILL ON MY CREDIT REPORT AND I WANT IT REMOVED.

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 2016-06-06
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Working with Sun West Mortgage through XXXX XXXX. I have been waiting weeks for a Closing Disclosure. I 've extended the financial contingency / contract agreement several times due to slow response and to avoid losing the opportunity to purchase the home. Due to the distressed status of the property, I was required to make repairs so that the home would fall under FHA guidelines - the repairs amount to over {$1000.00}. If the loan funds are not dispersed to the seller - I risk losing my appraisal fees, repair fees and time and money spent packing up my current home. XXXX XXXX is the representative on the Sun West Mortgage side. Also, XXXX XXXX is the representative of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-26
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Credit card
Issue: Other

Complaint:
I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. 
This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I initiated a dispute with transunion regarding a bankruptcy on my credit report. I requested debt validation and any documents pertaining to this debt. They mailed to me 30 days later a updated credit report that stated the public remains and they verified it. The report is dated XX/XX/2017.This is the 4th attempt to get this matter resolved with them. On the last time I contacted them by phone they told me the bankruptcy court verified it. I sent the bankruptcy court a letter asking them of this process and they sent me a letter saying they do not verify anything it 's done by 3rd party of the credit bureau. I contacted Transunion by telephone XX/XX/2017 and asked how they verified this information and they stated by credit bureau, I spoke to XXXX a supervisor. I explained to him that 's not possible, that I contacted them to verify. He then stated through XXXX XXXX. I immediately contacted XXXX XXXX and asked them about this process. I spoke with XXXX and she stated they never contacted them and they would n't release any information to any one due to the security freeze I placed on my account in XX/XX/2017. The credit bureau is falsely stating that they verified this account and in fact, they have n't.

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 2016-07-30
Company: Diaz & Associates, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.

Company response to consumer: Closed with explanation