BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I called Capital One multiple times to try and submit a dispute/chargeback for a product I bought that did n't meet standard. I called multiple times to try and initiate a " case '' against the merchant, but each time I was unsuccessful. My internal capital one " case '' was closed multiple times on the basis that I had resolved my dispute with the merchant on my own. That was untrue, and I have since been told that I can not continue my " case '', as its past the timeframe they allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: CITIBANK, N.A.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approved for a fha loan paid earnest money home inspection twice got approved went to underwriting one step before closing lender say they made a mistake they missed my schedule c which they seen it to say am approved than denied my loan closing date XX/XX/XXXX denied XX/XX/XXXX moved out my house due to they approval earnest money XXXX paid on XX/XX/XXXX home inspection {$330.00} XX/XX/XXXX and the first XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Credits, Incorporated
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After checking my credit report on XX/XX/2022, I learned that there is are two supposed bills in collections, both apparently held by the following debt collector : Credits, Inc. 
XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX info@creditsinc.com The statement shows a bill owed to XXXX XXXX XXXX XXXX with a {$350.00} balance and a bill owed to one XXXX XXXX for {$98.00}. 
I emailed 'Credits, Inc ' at the above email and left my contact information. They replied back via text, stating that my balance is {$1500.00} - and to click their link to 'make the payment '. They would not say who the original creditor is for this supposed bill. I replied back several times to them asking for an explanation of what the bill is for and they will not answer me. When I view their website, there is only a page to put in a credit card. 
I have no intention of sending money ( especially a large amount ) blindly to someone. If I indeed owe a bill of any kind, I want to get it paid via monthly payments. However, I require a detailed accounting of who the money is going to first. 
This company 's refusal to respond to my repeated requests makes me suspicious as to the very real possibility that 'Credits, Inc ' is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
False information submitted on my credit profile from XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX nor a Credit Card with XXXX XXXX XXXX please remove False Information my Credit Profile

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX this account is identity theft and does not belong to 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 2022-11-02
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Citi located at XXXX XXXX XXXX XXXX XXXX, MO XXXX which finances XXXX XXXX XXXX  which I had one but due to XXXX XXXX could no longer use or keep I let it go, this was many months ago. 
Then in XXXX of this year I got a letter stating that you had sold this account to XXXX XXXX XXXX XXXX in XXXX XXXX CA That's strange, I received NO NOTIFICATION that this was even happening, by Federal Law I was supposed to get a notification before such action was to be taken, you have violated the law and if this is not rectified by you to me I will take swift action against you in a court of law believe me this is no an idle threat, you must think you are above the law, YOU'RE NOT. 
I have notified my attorney and demand a cease and decease from any credit collection agency you have supposedly sold this to and further we hereby demand a copy of the actual sale to XXXX for evidence to be presented in a court of law should you not take the correct course of action in resolving this issue.

And one last thing, I have suffered from XXXX and under a doctors care should you or anyone associated with this case do anything to cause stress to come upon me you will face consequences as I have been told that another drop in the Ejection Fraction level might be fatal.

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 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been a Bank of America customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX BOA said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like BOA continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. BOA refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with BOA by calling their customer services but they insisisted the charges are valid. How can that be?

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 2016-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services now hold XXXX of my mortgages sold to them by XXXX XXXX XXXX. Based on info at the below link I feel this is a no win situation for any consumer. 
XXXX Carrington Mortgage has seemed shady since I first began with them as a result of XXXX XXXX XXXX selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole " get help signing in '' process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they ca n't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I should n't have had to do it at all, and I certainly should n't have to do it numerous times over and over, month after month. '' " If you are considering a loan from Carrington Mortgage Services, DO N'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This is n't the first time that it has happened. If you call them with ANY question, be prepared to give your life 's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious! '' " Our loan was sold from XXXX to CMS about 2 years ago. It has been XXXX nightmare after another. I think it 's appalling XXXX has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $ 100/mo. After multiple complaints and a complaint to the XXXX, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been attempting to send Account Resolution Services ARS my identity theft affidavit and fix some of this fraud stuff but the address they published on my credit report is wrong. Please help.. this is killing me. I 've attached all supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent in a complaint for a refund request due to a scamming investment that I did on my account. This person made me believe that I was going to be compensated to receive funds through his investment company if I was to invest in his company. So I borrowed out of my Citi Simplicity credit card account on approximately XX/XX/22 {$5000.00} and that scammer asked me to send him gift cards from XXXX XXXX and XXXX gift cards also from that money that I borrowed from my account to invest to his company. Then I also deducted {$2000.00} from my checking/savings account. 
I sent in a letter to Citi Simplicity on XX/XX/22 letter was dated XX/XX/22 telling them my issue and have not heard back from anyone regarding this issue. I asked to whom it XXXX concern to please reply to my letter and I have not received any reply to my concern since. 
I had to file fraud on all 3 credit bureaus close my accounts due to this and I filed a police report also. I have been a loyal customer for years with Citi Bank and also a credit card holder for many yrs now. I can't seem to get the help I need from your company

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 2020-04-18
Company: Firstsource Business Process Services, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collection agency notified me XX/XX/2020 I owed then for a aledged credit card debt. Following CFPB & FDC guidelines I sent the first request for Debt Validation on XX/XX/2020 entirely within the 30 days as required. I did not get a response at all. I then ( being nice ) sent another Debt Validation Certified letter on XX/XX/2020 and as of today which the 30 days has expired, have not received anything. I have all documents with necessary proof upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: MD
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:
There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of XXXX  of the Federal Rule of Bankruptcy Procedure. 


Rule XXXX of the XXXX XXXX of XXXX  XXXX went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the XXXX XXXX of XXXX, XXXX XXXX addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, XXXX XXXX requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.

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