BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: Lending Club Corp
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Completed an inquiry with Lending XXXX to refinance vehicle at a lower rate. In return I received XXXX individually credit inquiries which XXXX dofeereny credit unions checked my credit report. As a result my credit score has been impacted and decreased tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
on XXXX XXXX, XXXX I was in need of a computer. I went to Best Buy in XXXX Ca. The floor staff directed me to the XXXX, and XXXX product. I said I can not afford the XXXX though it would be my first choice in terms of durability and quality. The staff told me, well, you can afford it because you can get a Best Buy credit card and I could pay off the computer monthly, with no interest. I was insistent was this true and correct? He said it was. I went ahead and purchased, also double checking with the sales staff at the register if in fact what I had been told was true. They said it was. I happily went home with my computer. I paid on the computer monthly, and never missed a payment, paying more when I had it, I am on XXXX and was recovering from XXXX XXXX, the computer was very important to me as I was limited in accessing outside my home. I checked today, XXXX XXXX, XXXX to see if the computer was paid in full, I thought it should be by now. I was told to my shock and horror that I owed, XXXX on the computer that cost XXXX! In other words I was paying for the computer twice! I told the credit card customer service that they owed me XXXX because I had overpaid them! On the original amount. They said sorry but in XXXX of XXXX they had ballooned payments so the amount I owed doubled. I said when I got the computer, no one said anything about balloon payments, in fact I was told it was interest free. Otherwise I would not have bought the computer at all, I knew I could not afford it if those conditions had been explained to me properly and had they not repeatedly lied.

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 2016-06-24
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my Citibank Visa for an service which was not delivered ( the business closed and the owner left town ). Citi applied a temporary credit and requested my affidavit and additional information. I sent the additional information to Citi via USPS within 24 hours of the request. The information included both a hard copy of and URL to a news article published that day about the business 's closing. 

Since the request, I received no fewer than XXXX notices asking for the information I had already sent. Each and every time, I called Citi immediately ( within 12 hours of receiving the communication ). Each time, the Citi representative looked at my dispute, saw the evidence which I had already sent, and said I should do nothing else. 

Eventually, I got a notice that the dispute was about to be closed because I had n't sent in supporting documentation. I escalated to a claims specialist, XXXX, and she, too, assured me that they had everything they needed and that I should do nothing. 

Then the chargeback was reversed and I received a final disposition letter, indicating that I had n't sent the requested information. I finally spoke to XXXX in the Citicard " Office of the President '' who indicated that she would fix the problem and call me back by today, XXXX XXXX. XXXX has not returned the call as promised, and the chargeback is still reversed.

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 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hi, I had a checking account at Citi and have a credit card. I opened my online account to monitor my credit card account first, then linked the checking account. Later, I closed my checking account. When I logged in my online account, they removed my credit card account access. I was not informed ever that I would not be able to access my credit card thru online account if I close the checking account. There are so many cyber crimes. Daily monitoring of credit card is very important. How the large bank makes such a unreasonable act. Closing checking account make impossible to access the other credit card information without any disclosure. They should not make such block or at worst it should be disclosed.

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 2017-02-10
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and 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 non-monetary relief
Consumer complaint received 2015-06-01
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
While flying on a XXXX XXXX ( now XXXX XXXX ) flight, I was offered a Citi credit card with several benefits including Group XXXX boarding and XXXX bonus miles. I applied and received the card but did not get the Group XXXX boarding I was promised. I tried to call XXXX XXXX but was put XXXX hold for a full hour before I gave up. I 'm writing to the CFPB because this is a Citi Credit Card - Citi gets the any interest and fee income from the card. I believe Citi ultimately is responsible for this false advertising and deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have recently been in discussion with a TCF rep and it was revealed that I have paid over {$1500.00} in fines since XXXX XXXX, 2015. No money was able to be returned to me. This is excessive and they way they post transactions is predatory, forcing some items to overdraw and then collecting on the menial transactions that happen after. I would like most ( if not all ) of my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.

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 2016-08-16
Company: CAINE & WEINER COMPANY, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ordered a XXXX Storage Unit in XXXX 2015 ; I cancelled the XXXX unit prior to them delivering the unit. I cancelled well before their required cancellation time frame. They are now having a collection agency send me a bill for non-rendered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was a background search requested by XXXX XXXX XXXX, to First Advantage XXXX XXXX XXXX. This investigation came back with a criminal charge on it that is not mine. The only thing matching is the dob with myself and the person found. Due to this criminal remark on my record I am unable to attend certain events at my daughters school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: EQUIFAX, INC.
State: VA
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 contacted Equifax and XXXX by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted Equifax and XXXX  the entire month of XX/XX/XXXX and XX/XX/XXXX by phone and U. S. postal mail. The companies also sent Equifax and XXXX letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified Equifax and XXXX and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and Equifax and XXXX is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against Equifax and XXXX. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with Equifax and XXXX based on this information being removed from my credit reports. As of today the information is stil on my credit reports and Equifax and XXXX is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with Equifax and XXXX. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX Account # XXXX and XX/XX/XXXX Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by 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 2016-12-17
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX, XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too

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 2016-11-04
Company: IQOR US INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
These people call numerous times almost daily claiming we owe XXXX money. My husband nor myself has used XXXX in XXXX years and have never received any communications from XXXX nor this Allied International Collection Agency. I have repeatedly told them not to call because we do not owe the money and requested things in writing, to no avail. This has been going on well over a year and it has risen to the level of harassment. Not only is it not on our credit report, my husband and I are planning to buy a home and have been working to build credit, so I know this does not appear on our credit reports. If it were a real debt, we would have paid it before going to collections and would have known about it long before 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 2017-02-11
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied interstate is attempting to collect a debt that is not mine. I contacted XXXX XXXX Bank and they agree the account ending in XXXX is NOT mine. Allied interstate needs to leave me alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company Medical Data Systems appears on my credit report for {$2400.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

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 2016-07-14
Company: Check Security Associates, LLC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX XXXX from XXXX ..she said she was calling from the Warner Location..called stating they are going to arrest me for a bad check..Not sure what she is talking about but she is harassing me at work and wont stop calling my daughter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently submitted a dispute with XXXX about some negative accounts that Smith/Rouchon had applied to my credit reports. XXXX submitted the dispute and the company did n't verify the debt.. The items were deleted and an updated copy of my report was submitted to me via mail I 'm XXXX 2016.. Smith/Rouchon re inserted the negatives which cause a tremendous drop in my credit score. They never sent notification that they were adding the negative items back to my account and by. State law they have to submit notice to the consumer.. I am asking that the inaccuracies be deleted and not be put back on my reports from all XXXX bureaus..This company buys accounts for XXXX and add unnecessary fees and court costs.. they never provide me any services nor should I have to pay for services that were n't rendered from this company.. I am going to file a suit against this company for violating all laws..

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