BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have made payments accurately and is in good stander but still is reporting poorly on my report bring my credit score down and keeping me from getting qualified for home loan. XXXX XXXX XXXX is filing claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XXXX I mailed a package to XXXX The package came back to PO because they said it had rechargeable battery which not allowed. I collected package at PO and then sent receipt and all documents to Capital One for claw back on XX/XX/XXXX To date i have not received credit nor acknowledgement of request If lost in mail I will send another copy but must know from Capital One if dispute letter was received

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for Citigold XX/XX/XXXX and was told I would receive XXXX XXXX bonus miles after I met some purchasing requirements. So I met the requirements in XX/XX/XXXX, and was told miles would post by XX/XX/XXXX. XXXX did n't post, investigation started was told I was n't targeted. I had Citi open another investigation, but it was denied again. I think it is not fair, since Citi should tell me the result when I open the account. Thanks for your help.

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 2016-08-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I submitted a complaint to the consumer finance protection bureau on XXXX/XXXX/16 ( complaint number XXXX ). The complaint was regarding airline miles for a checking account sign up bonus through Citi. Citi responded to the complaint on XXXX/XXXX/16. In response to the complaint, Citi agreed to honor the XXXX XXXX XXXX miles that I had been told by their representative I was entitled to. In their response, they indicated I would receive the miles within 60 days. 

It has now been over 60 days, and I still have not received the miles. This was the third time Citi agreed to provide these miles ( initial sign up, as indicated by a representative, and indicated through their complaint response ). It has been over half a year since I was originally supposed to receive the miles. 

Citi did not hold up their agreed upon response to my original complain, so I am opening yet another complaint.

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 2015-08-18
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX or XX/XX/XXXX our mortgage loan which resided with XXXX ( XXXX ) was sold to Gregory Funding ( XXXX ). Since then, we seem to have one problem or another with this company. First they were charging us incorrectly and it was n't until speaking with them at least twice did it get corrected. For the past 8 months or so they keep calling us and sending us letters that our mortgage payment is late every month. The issue is that we have it set up for auto billing which automatically debits our account. We speak with them every month, tell them its on auto payment, then we do n't hear from them until the next month. This is getting really annoying and I am afraid that they are at some point going to report this to the credit companies. ( The also did not respond to our flood insurance on a timely basis which made our premium increase. This has since been corrected through a call I made to my insurance agent. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased a home with citibank in XXXX through the FHA program. In XX/XX/XXXX I contacted XXXX XXXX via phone and started a REFI to conventional. While on the phone I had asked about being credited back the upfront mortgage insurance premium because I had only been in the FHA program a matter of months. He told me that would be credited to me at closing. When I received the HUD prior to closing I asked the closer where my refund was. She told me that would come from HUD in XXXX weeks. That I have in email format. I was expecting well over a XXXX dollars back in MIP refund which I have been told by HUD that I do not qualify for because I refinanced into a conventional product and not FHA. I was lied to and mislead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-27
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Rewards

Complaint:
I received a letter from Citibank dated XXXX XXXX, 2016 informing me that they had closed my Citi Prestige credit card ending in XXXX. The account was always in good standing, and payments were promptly made on time. The letter stated no reason as to why the account was closed other than stating that " Pursuant to our Card Agreement, we have the right to close your account at our discretion anytime without prior notice. We have chosen to exercise this right. '' There was no number listed to call and discuss the situation. The only way to contact them was to send a letter to their offices in XXXX XXXX, SD. 

I had accrued over XXXX reward points by directing spending to the card, and held in good faith that I will be able to redeem these points for travel when I needed them. When Citibank closed the account, they forfeited all the points without providing any advance notice or opportunity for me to redeem them. A letter sent to their Executive office did not result in a satisfactory outcome. They refused to reinstate the points, and were unwilling to provide any monetary relief. The practice of Citibank enticing customers to use their credit card with promises to reward them, and then unilaterally deciding to forfeit all rewards without notice seems to be a clear case of deceptive misleading advertising, and bait & switch. 

Citibank has not been forthcoming to offer any explanation on whether I had violated any terms of the agreement or caused any material loss to the bank. Under such circumstances, I am entitled to those rewards ( or equivalent monetary compensation ) as were promised when the account was opened.

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 2016-07-26
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a new Citibank ( Checking ) Account Package promotion over the phone using promotion code XXXX. This promotion states that it would give {$400.00} if an initial amount of {$15000.00} or more is deposited into the account within 30 days. I asked the customer service representative that was opening the account for me if the promotion was applied to my account and I was told that yes - it was attached to the account and that I qualified for it. 

The account was opened on XXXX/XXXX/2016 and the {$15000.00} was transferred on XXXX/XXXX/2016. This is within the requirements of the promotion. I called recently to check on the status of the promotion and was told by the customer service that the promotion was not tied to my account - which is incorrect. I applied for the account over the phone, and was previously advised that the promotion was attached to the account and that I qualified for it.

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 2015-07-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I attempted to change my address three times with Citibank. I wrote the change of address on the mail remittance. They cashed my check but did n't change my address causing me to get late fees. When I called them, they offered to credit some of them. It seems like a scam to get extra fees by not changing the address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint, agreed my account would be properly notated and no issues would arise back in XXXX of 2020. My bankruptcy is over with. They continue to not fix my account. I've filed numerous complaints against them, diech, and greentree. They are continuing to harass my bankruptcy sending him my mortgage information. He has sent numerous letters my bankruptcy is over with to stop sending him my mortgage information and payments. Now it's become mail fraud and violation of court agreements. Between their attorney XXXX XXXX and me. He was also, greentree and Ditechs attorney giving him insider information. Since, Shellpoint can not honor the agreement we agreed upon and their attorney promised I would not have anymore issues out of the. I request they send me my title, payment for emotional distress and anxiety

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XX/XX/XXXX citicards pulled my credit report and approved me for a credit limit increase on my credit card from XXXX to XXXX. There was negative information on my credit report at the time ( a bankruptcy filed XX/XX/XXXX ), however, my credit limit increase was approved. Since that increase in XX/XX/XXXX I have used my account in accordance with the terms & conditions, however, I am now being turned down for increases because of my bankruptcy on my credit report. 
With this in mind I feel unfairly discriminated against.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Aggressive sales pitch and misrepresentations for a jumbo purchase money loan by Citibank 's loan officer, XXXX Sun, XXXX # XXXX which resulted in a declined loan with lower counter offer than originally approved for, higher pricing and fees than promised, and numerous mistakes in documentation causing late closing of escrow.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Payoff process

Complaint:
Sears Credit Card has changed the way to access online statements. You now need to have an active credit card to create an account. They closed my account two years ago when I was unemployed, even though I paid them on time every month. Now I can not access my balance or schedule payments because I can not access my account online. I have to wait for them to send me a monthly statement in the mail ( and they do n't even provide a mailing envelope anymore! ). I feel this is an underhanded attempt to get people to mail in payments late so that they can collect more late fees off account holders who no longer shop with their credit cards.

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 2017-02-16
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I has been working with a loan officer named XXXX who at the time was working for XXXX. I had met her through a first time home buyer class, I started the process in XX/XX/2016. I literally talked to XXXX at least 2x a week! I was pre approved and then approved for the loan. I found a house that I had built from the ground up, I had moved my whole family which includes my XXXX son and my husband from living in a nice apartment uptown. She told me I did n't have to put any money down, so she then moved to movement mortgage which she never let me know I had to reach out to her again! Which she finally responded about a week later! She then ran everything again and told me I was approved for the same loan amount. This was around XX/XX/XXXX, now in XX/XX/XXXX there was a change in the way lenders processed student loans which I was aware of and she told me that I had nothing to worry about, I said okay and continued to do what she asked me to do. About 2 weeks before closing she tells me that I wo n't be able to close on the loan unless i get rid of my car or find a new job paying me more! 2 weeks!!!!! I moved my family! At this point I was livid, stressed and depressed! One of my friends who had tried to work with her left and found another loan officer who wa able to approve her at a much higher rate thing XXXX initially had! My friend told me to ask her about the an Fha case number so that the 1 % of my student loans would or be counted, so I asked XXXX and come to find out she never even put the case number on my file! So I lost my house and I was homeless for about a month because she never entered in a case number to keep me grandfathered in to avoid the 1 % being counted against me! All she could say was " I 'm sorry I thought I did ''. I contacted her manager he said that she has had several complaints prior to me ( manager from XXXX ). She also did the same thing to a co-worker! I called XXXX about a month later and her manger said that i was never even approved they have no paperwork on me! I literally signed over 100 documents and arill have them showing what I was approved for. This was by far the worst experience ever! I would never wish this on anyone! XXXX was not truthful at all and she seemed to be a scam artist! XXXX and movement mortgage did nothing to ensure the protection of their customer ( me ) or coach her on anything! Because as stated both parties said she has had several complaints and did nothing. I hope this gets to the right place to avoid anyone else need scammed by her. Oh i also worked with a woman at XXXX for the credit portion of the loan and she told me that XXXX had moved over 5x in a year to different lenders! The consultant was so upset because she knows that XXXX is good for this.

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 2021-07-02
Company: Experian Information Solutions Inc.
State: MN
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 bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX recent files where I filed notice against Experian and invallid accounts listed on my credit report. After waiting 2 months for this to be corrected I received a credit report from Experian showing that all have been taken off. Unfortunately, today I opened my credit file and they have put everything back on. I do n't know if this is a tactic in which they make people think they followed the law and did what the law states but after you let your guard down they go back to their old bag of tricks. I REQUEST YOU PLEASE look into Experian and the following companies. XXXX XXXX is a debt that I was XXXX notified of over 20 years ago. Someone stole my identity, I did not go to college, I did not reside at the location listed when these were applied for. Not only that but the debts were removed 20 years ago and now reappeared and deleted for 30 days and put back on. Request that this be taken off. They have XXXX loans listed with account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX again request removal COMPLETELY and never to be listed. Also Tranfinancial was paid even though the debtor could not verify it was mine I PAID THIS to get things correct on my file. XXXX XXXX XXXX ... debt is over 8 years old from original debtor dispute sold numerous times was removed and put back on. Also, LVNV funding although identity theft was removed and replaced again, original debt is over 8 years old, account XXXX ... ..was sold several times in over 8 years. ALL of these debts took 2 months process from XX/XX/XXXX of last year and were removed but readded. Please look into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They sold the debt to a law firm so i could be sued for the debt, an agent at simions agency stated that the debt was no longer with them and to dispute it with the credit reporting agency 's, I did that and then simions agency validated the debt in the dispute. Now they are saying they can not talk to me about a debt they do not have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have a fraudulent account on my report and there is no way to contact Experian about this. 

Experian will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.

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 2021-07-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed a credit card debt with Experian. Experian replied the creditor provided certified documentation that the belongs to me. I asked for Experian to provide the certified documentation and they do not want to provide this information. 
Thank you

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 2021-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have a fraudulent account on my report and there is no way to contact XXXX about this. 

XXXX  will not let me login on their website. They will not confirm my identity. When you call it says they can only transfer calls in limited circumstances. Every phone ends with the machine hanging up on you. Beyond frustrating to try and deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX Date Opened : XX/XX/2015 Balance Owe : {$1000.00} Dispute Status : Account not disputed I am concerned about the reported Balance amount of {$1000.00}, as I think that the actual Balance is lower. I request the amount indicated in the Past Due Information be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation