BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: LA
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: Public record information inaccurate

Complaint:
Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account.

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am writing to make a formal complaint against Capital One Bank for contacting me in a manner they knew not to be acceptable in protecting my privacy and failing to document the evidence that this took place. 

I have a credit card account with Capital One and until recently it was in good standing, but due to my financial stress due to the pandemic, I could no longer afford to make payments. In XXXX of XXXX I had written a letter to Capital One ( below ) : " I am writing to inform you that due to my current situation I am unable to continue to make payments on my account. I am a full-time student and am not working at this time and during this pandemic, I do not foresee my situation changing. Please do not sell or transfer any of my personal information or data to another party. You may contact me by mail or email, but I do not wish to be contacted by any other means. '' I later confirmed that this letter was received by Capital One and that they had made adjustments to their system to comply with my request. 

On XX/XX/XXXX, XXXX, XXXX and XXXX XXXX, despite my request, I received automated voicemails fromXXXX at Capital One. All the voicemails had the same ( prerecorded ) content : Hi this is XXXX from Capital One weve been trying to reach you about an important personal business matter. Please return the call at XXXX, again the number to reach us at Capital One is XXXX, thank you. 

It is my experience that dealing with banks is intimidating and stressful, so I reached out to my brother-in-law to help navigate the process. On XX/XX/XXXX we called Capital One to see what the status of my account was and if there were any reasonable options for me. We inquired about the voicemails and both an account manager and a Sr. account manager claim not to have ANY record of them taking place. 

So, not only did they ignore my request ( ensuring my privacy ), they either erased or failed to document their communications with me. This type of deceptive and negligent behavior is the reason people no longer trust financial institutions. If I cant trust them to follow their own procedures or not hide their records how can I trust the amount they claim I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
My AmericanExpress/ Macy 's card had fraud transaction on XXXX/XXXX/XXXX, so called Macy 's to file a claim. However It took them over 4 months to finally clear charges ( on XXXX/XXXX/XXXX ) but delinquent status was still not cleared and they were the ones who told me not to make any payments since it is in investigation status. I have called them over 15 times to get this resolved and also, got a letter fro COO of Macy 's to apologize but all XXXX credit agencies still showing that acct is over 90days delinquent status ( do n't understand why ) and is hurting credit as i am trying to get a mortgage loan. It hurt my credit score of more than XXXX pts ( just found out from XXXX XXXX XXXX ) and I am seriously considering sue them for damages.

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 2016-05-19
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened my citigold checking account on XXXX/XXXX/2016 using the promotion code XXXX. This promotion code XXXX was for earning XXXX XXXX Points after making XXXX or more bill payments for XXXX consecutive months within 60-days of account opening. I made XXXX separate bill payments, XXXX on XXXX and XXXX on XXXX/XXXX/2016 which satisfied the bill payment requirement. Following this, I confirmed with a CSR rep that I met the requirements for the promotion and would receive the ThankYou Points. A month later, my account had to be closed due to fraudulent activity. I asked the bank if I could still receive the thankyou points if I opened a new account. They told me that I would not receive the points because my original account was never targeted for the promotion. I argued that since the CSR rep told me I met all the requirements, I should be awarded the points. They refused. I can not access my online account to provide supporting documents because it was closed due to fraud.

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 2015-12-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
On XX/XX/2015 I received a call from Citi Card advising that I was late on a payment. Having just reviewed my end-of-the-month bills, there was n't one from Citi Card. She looked at my account and saw that I always receive the statements electronically and pay on time for any balance. I asked her what email address was it sent to and she said " XXXXXXXXXXXX? ( example, only ) I told her, that is NOT my email and gave her the correct one. I asked why through XX/XX/XXXX all the statements arrived problem-free and she said someone had re-keyed it in incorrectly. She said that she would fix it and I told her I 'd be happy to pay the bill. 
This morning, I went to pay the bill, but noticed a {$25.00} late fee. I called Customer Service and advised them of the issue from last evening. Since it was not my error as I had not received any bill from them whatsoever, that I would be happy to pay my full balance, but please remove the late fee. She said she would submit it, but I should not expect it to be approved. It was not. 
My payment record with the XXXX companies who cards are managed by Citi Card proves my good standing as a customer with prompt payments. Since this error was not one I made and it occurred through a mistake of Citi Card, I should have that {$25.00} refunded to me. Imagine the hundreds of thousands of dollars they make on these trumped-up charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-12
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a previous customer that completed an approved Short Sale in 2015. I received my XXXX yesterday in the mail, it is incorrect. I made ( 4 ) separate calls to Citi Mortgage this morning, where no one could assist me apparently. I spoke to XXXX associates in Loss Mit and XXXX associates in Customer Service and XXXX Customer Service Supervisors. 
I was advised that by no means could I receive any kind of assistance from Loss Mitigation and to contact XXXX, this is the contact number that I used to reach them already. They stated not able to assist me there and placed me hold and the call dropped. The issue with the XXXX is that it shows the amount the house was bought for rather than what was still remaining after sale, ( deficiency amount ). 
This information has also been sent to the IRS and I 'm quite honestly appalled that better controls are not being practiced and performed to ensure that at minimum I ( the customer ) and the IRS are not being misinformed. CitiMortgage seems to not be able to communicate or reflect clear conscise information about the status of my loan. Per customer service it shows as closed, no further information. On the XXXX it shows foreclosed and when speaking to Loss Mit it shows completed ( short sale ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I have a Citibank Home Depot credit card. I recently paid off my balance and a WEEK later, the payment had already cleared from my bank and I went back to the store to make another purchase and my card was declined. I called the company to see why since I had only tried spending {$60.00} and my available balance on my card was {$500.00}. The customer service person said that my account was put on hold because I made more than the minimum balance with my payment. After arguing with the person on the phone they finally allowed my purchase to go through and said the hold would be removed in two day. Today I went back to the store ( 2 days later ) and tried to make another purchase. The card was declined yet again and the Home Depot worker called and the lady would not allow a purchase becaus the card was STILL on hold and they " may '' take it off hold tonight. I am going to call the company and make a complaint with them as well but I know they will not care because the ladies at Home Depot said this happens all the time. This is absolutely rediciulous. I 'm never late on my bill and should not be penalized because I paid off my balance.

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 2016-05-25
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance over 2 months ago and am still do n't know the status from Citibank and they tell you to go online and check status but they do n't update the status My number is 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 monetary relief
Consumer complaint received 2021-03-21
Company: Winklevoss Exchange LLC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have transferred money to Gemini. ( XXXXXXXX  ) They are holding my funds and are telling me that I can not withdraw them due to an account verification hold. I have submitted the appropriate documentation and followed up with numerous emails to achieve their verification. I have not been able to get any response. I have been waiting for 5 days for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding continues to report a duplicate account to all of the credit reporting agencies despite my efforts to get them to validate this debt. The original creditor is showing on my credit report and so is Midland. When I learned of Midland I asked them to validate the debt and they did not respond. This is a violation of FDCPA 809 ( b ). Since they refused to respond to my request for validation I disputed it directly with them and they ignored that and did not report that I had disputed it to the credit reporting agencies. That is a violation of FDCPA 807 ( 8 ). Basically Midland Funding is employing every predatory tactic there is to collect a debt that is beyond the statute of limitations. They also re-aged the account on the credit report. That is a violation of FCRA 605 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card
Issue: Arbitration

Complaint:
American Express Blue Preferred Cash back Credit Card promised me a {$200.00} bonus if I spent {$1000.00} on their card. They will not give me my bonus. I have complained, and their response is that I had a card previously and that disqualifies me for a bonus. That point was not in the terms of the card agreement that I read online. They mailed me a card agreement for a different offer and tried to pass it off as my credit card offer. They stated that they are reviewing my case, but no one will contact me. I made the requisite charges, I should get the bonus. They easily could have told me I would not get the bonus when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: WA
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 filed a dispute with Experian for an account that has been closed and settled for over three years and they dropped my credit score from XXXX to XXXX and said I have a recent late payment on the account that is closed.

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 2021-03-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked Equifax, XXXX, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
I am writing in regard to the account for the above named ending in XXXX. I was recently made aware that certain charges to this card were placed in a " pay over time '' option. This oiption was initiated in XXXX 2011. 

Neither I nor my wife asked for this option. As a result there have been 15.25 % interest charges revolving since XXXX 2011. 

Our fault was not paying attention to this account - which was set to auto pay full balance each month. 

The other result was that the minimum balance was being paid monthly. 

Neither I nor my wife asked for this option. XXXX inquiries to the Security Division at American Express resulted in a response of " the change was initiated online '' and that I was liable for the full amount. 

Additionally, there are several unauthorized charges on this card. They are marked in pink on the attached spreadsheet. 

I have opened an investigation. It is case # XXXX. 

I NEVER authorized the opening of a " pay over time '' option. I admit to never opening or examining statements. I will pay any charges incurred by my family. 
I am asking that I be credited for interest paid. 

I am currently in a tough position - stopping payment would result in poor credit. Making payments could possibly imply guilt. I am stuck - I must protect my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I got served with documents threatening to take me to a court or file a judgement against me I have sent letters on XX/XX/XXXX asking for the company to verify that this is my debt and they failed to do so on XX/XX/XXXX they served me with a letter threatening to sue me however have not been able to verify if this is my debt. i never applied for this card nor do they have any type of signature just an e signature I have attached my dl and I authorize the letters I sent on XX/XX/XXXX target card need to be removed as well as the other unauthorized items listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, XXXX, at XXXX XXXX., I received a phone call from ( XXXX ) XXXX from someone identifying himself as a representative of Midland Credit Management or Midland Funding. The call lasted 4 minutes, during which he verified my personal information and asked me to verify a debt. I told him I was not sure what he was referring to. He also asked if he was contacting me on my cell phone, and I told him yes. He asked if he had permission to continue contacting me on my cell phone. I told him no. I received the following calls at the following times : XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX., XXXX XXXX, XXXX - 1 call - XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 3 calls - XXXX XXXX., XXXX XXXX., and XXXX XXXX. 
XXXX XXXX, XXXX - 2 calls - XXXX XXXX. and XXXX XXXX. 
XXXX XXXX, XXXX - 1 call - XXXX XXXX. 

According to my phone records, they have attempted to contact me 19 times on after that initial phone call on XXXX XXXX, XXXX, during which I told them they did not have my permission to call my cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20
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 sent XXXX  several disputes to get inaccurate items off my credit in which they fail to correct errors and never return my green return receipt showing they received my letter certified mail XXXX  shares my information with out my written consent they also never received my written consent to report anything about me which is illegal and identity theft every dispute I send in if they acknowledge it is always verified which is not accurate cause laws states that the consumer is the only person who can verify a debt so how is XXXX XXXX or these alleged creditor able to verify alleged debts for Me when 15 u.s.c 1681 clearly say that the reporting agency are supposed to to confirm everything with me the consumer before reporting it but this company breaks the law cause of the money they receive from these alleged creditor who pays them to keep control of the consumer 1681a ( 2 ) ( b ) state that no comsumer credit transaction made with my credit which is my social security card should be a private transaction but yet in still Transunion reports this information then tell me lies or give me false information on why they can't delete meaning they fell they are above the law cause they want to keep receiving money for illegal activities which has cause me personal financial injuries

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
American Express changed the terms of agreement without informing me. American express began calling me every day to collect the full amount of debt instead of letting me finance the debt as I have with Amex for YEARS. Every day they ask for the full amount. When I tried explaining to them they advertise that I can finance the debt they stated that the calls will not stop until they get paid in full. They are now paid in full but they have mistreated me as a customer. American express refused to work with me even though there is no policy stating I had to pay in full.

Company response to consumer: Closed with explanation