BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-03
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citimortgage was sued successfully by the National Mortgage Settlement and by a class action lawsuit for force placed insurance vs the State of New York. I was fighting my foreclosure case from XX/XX/XXXX to XX/XX/XXXX. During this period, no funds were awarded to my loan and before an auction date was set, they sold my debt to XXXX XXXX XXXX. I firmly believe, in my own opinion, this was an attempt to ignore legal responsibility and make said settlements " disappear ''.

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 2020-04-14
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From my FNB online banking account, I sent {$250.00} dollars to my daughter 's account at XXXX through XXXX. Transaction overview in my FNB bank account states that {$250.00} is withdrawn from my account and my daughter received a confirmation email from XXXX that I sent {$250.00} and that this money will be available in her account within 3 business days. However, she was never able to get the payment because it has been months since she closed her XXXX account. I was not aware of this. XXXX 's policy is that they return the payment to the original account if the recipient 's account does not exist. 

However, the money never came back to my account and my daughter has not received it in any of her accounts either. 

We contacted XXXX, XXXX, and FNB. My daughter called XXXX and talked to three different representatives. XXXX said they can not track this down because she doesn't have an account with them anymore. When I called FNB, they said they would file a claim with XXXX since the money should have come back into the FNB account but it has been two months and there has been no update. When I called again regarding this issue, it did not look like they were aware of this issue and they again told me they would file a claim. Calling XXXX did not resolve the issue either because they said they are a mobile banking platform so they don't have the capacity to track this. And now I basically do not know where the money went.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-13
Company: ORG GC GP Buyer, LLC
State: NJ
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:
There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Open Dealer Exchange, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: GA
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:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file. I am currently in the process of trying to buy a house, but these items are hindering the process. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: BTH Management
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.

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 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Rewards

Complaint:
My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, I was notified by mail multiple times by Portfolio Recovery Associates, XXXX ( PRA ) address XXXX XXXX XXXX XXXX VA XXXX of collection notices about { {$5500.00} } Reference Number : XXXX, to which I found multiple violations pursuant to 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). I XXXX XXXX the Consumer and Natural Person is the original creditor, Pursuant to 15 U.S. Code 1692a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 U.S. Code 1692a ( 5 ). This company harasses me with debt collection letters since 2018. Pursuant to 15 U.S. Code 1692b ( 2 ) they can not say that a consumer owes a debt. I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to, in which I have not received thus far. In this regard after failing to respond to my affidavit thus defaulting and due to the inaccurate reporting and unprofessionalism of this company since XXXX. This is for the record that in pursuant to 15 U.S. Code 1692k they have to pay { {$1000.00} } per violation in the total amount of {$8000.00}. I demand this account be deleted on my credit report. Delete from all consumer reporting agencies ( XXXX, XXXX, XXXX ) and monetary damages of {$8000.00} as per attached invoice. I have file a report with the FTC attached Report # XXXX and will proceed with filing a case with XXXX XXXXXXXX XXXX of XXXX XXXX XXXX Attorney General if the matter is not resolved immediately! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX XXXX loan was sold to Frederick J. Hanna and assoiciates. Hanna and associates will not return any of my calls nor will they send any receipt of payment that was sent for a {$500.00} payment by money order to their office. Customer service agents do this on purpose so that they wo n't have to work with the customer and immediately set debtor up with garnishment, as in my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

1 ) COLLECTION # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$150.00} 2 ) XXXXXXXX XXXX  XXXX XXXX XXXX Account # XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$720.00} Closed 3 ) XXXX XXXX XXXX  Account XXXX XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Balance {$0.00} 4 ) XXXX # XXXX Individual Old Car Loan I traded in, but was never late this was my XXXX XXXX  # XXXX ( XXXX ) XXXX Individual Inquirers XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY Tenant

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 2022-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Navient Solutions, LLC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly. 
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account. 
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note. 
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer. 
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are 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 non-monetary relief
Consumer complaint received 2020-04-14
Company: CITIBANK, N.A.
State: IL
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:
In XX/XX/XXXX and XX/XX/XXXX, I contacted Citibank about several unrecognized charges that appeared on my online account and billing statements. In XX/XX/XXXX, I disputed a charge for {$99.00} travel charge I did not remember purchasing. At the time of the dispute I did not recognize the merchant. The bank said it gave me a provisional credit, but that credit did not appear on my XXXX statement. However, a reversal did appear on my XXXX statement posted on XX/XX/XXXX, but 30 days after I filed the dispute. 

The bank never sent any correspondence about the dispute, the provisional credit or the reversal of the charges. The charges just appear on my statement. The issue is that I searched Both the XXXX and XXXX statements and could not find a credit. Finally, looked on the website to look at previous statements and found a " provisional credit '' that on the XXXX statement dated XX/XX/XXXX. However, if the bank had actually provided a credit on my account posting on XX/XX/XXXX, that credit should have appeared on my XXXX billing statement for the period between XX/XX/XXXX - XX/XX/XXXX. 

I have had ongoing issues related to unrecognized charged on my statement. Citibank is making matter worse by having incorrect accounting procedures, incorrect billing procedures, or erroneous internal coding causing double charges to appear in my account balance. 

I have included the statement for the period between XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, you will notice that a " provisional credit '' appears on a statement for which it does not make sense with respect to the date I made the dispute and the statement for which it appears. 

Further, I now see two other charges that did not originally appear on the XXXX statement for the same merchant. There are two {$16.00} charges for travel insurance on XX/XX/XXXX and XX/XX/XXXX, respectively. However, those two tickets were purchased with XXXX XXXX miles and I would not have needed to purchase travel insurance for that type of travel. I have been an XXXX XXXX XXXX member since XXXX and I have had this Citi Advantage card since at least XXXX and I have never purchased travel insurance for a ticket purchased with miles. There is no need to do that! 

When I look at the statements online, I all can see is two charges on XX/XX/XXXX for {$99.00} and a credit that did not appear on the original statement.

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 2015-11-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I only use my Exxon Credit card to accept the {$8.00} Exxon Roadside Assistance fee each month. I have been paying {$8.00} per month since receiving the card in 1990. In XXXX of this year I missed my {$8.00} payment, but payed {$16.00} in XXXX, and {$8.00} each month since. I thought I was current again. 
I recently discovered that in XXXX, I was charged an {$8.00} late fee. In XXXX I was charged a {$26.00} late fee, and in XXXX, a {$35.00} late fee! Although I was current in my monthly Roadside Assistance payments, the only charge I was aware of, I was being charged a continually doubling late fee because of the single missed payment. When I called the company and asked to reduce the late fees back to the original {$8.00} charge, which I would pay because it was my fault, they said it was against their policy to reduce more than XXXX late fee. When I asked if someone with the authority to adjust the policy could call me and discuss this with me, I was told that the person calling me back would not have such authority. I am a paperless statement customer. If I were in a situation where I could afford only my {$8.00} payment per month, this late fee policy, now totaling over {$70.00}, would be a devastating burden. It is unfair. I would like to pay only the {$8.00} late fee that I deserve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief