BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/16 I received a call from a scam falsely claiming to be IRS and that I owed over {$5000.00}. I was told that I must buy a {$500.00} tax payment voucher or {$500.00} of XXXX gift cards at Best Buy and call in the numbers on the gift cards, or face a warrant for an arrest. I bought the {$500.00} worth of XXXX gift cards at the Best Buy, but did not call in the numbers to the scammers. I went to my elected official and I was told it was a scam. So I went back to Best Buy immediately to return the XXXX {$500.00} gift cards and to have my credit card purchase cancelled. Best Buy told me that you can not return XXXX cards once they are purchased. 
I write to ask your help in allowing me to return the Best Buy {$500.00} gift cards and have my credit card purchase cancelled. My credit card company called Best Buy and confirmed that Best Buy policy does not allow return of XXXX cards. 
Since then, I recently heard a news report by XXXX that retailers should be aware of this scam and warn customers before making large purchases. I was not made aware of this scam by Best Buy, so I believe that Best Buy should accept my return of the XXXX cards and cancel my credit transaction. 
It just seems wrong that XXXX & Best Buy were aware of this scam and profited by my purchase. The Best Buy manager felt sorry for me that I am a XXXX that was victim of this scam, but still did not cancel the transaction.. It seems wrong to me that XXXX and Best Buy profited on this XXXX scam. 
The Best Buy is at XXXX XXXX XXXX, XXXXXXXX Also, I filed a report with the Treasury Department on this scam. 
Thanking you in advance 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 2017-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Porfolio Recovery Associates have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received no contact with anyone regarding a bill that I owe. I just received a letter in the mail from Transworld Systems Inc, stating that I owe them money. They advised if I do not contact them within 30 days after receiving this notice, they will assume the debt is valid. I have tried to contact them by phone and have been unsuccessful. The voice mail that I was connected to stated that it is full and I ca n't leave a message. How can a company just give you 30 day to prove the debt is n't your when you do n't even know what it 's for in the XXXX place? Is this company a fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: FMS Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
FMS is reporting to XXXX and XXXX that I have a collection but there is no amount. I do not have any outstanding medical debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. 
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. 
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. 
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. 
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. 
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. 
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
i had a credit card issued from Citibank and was a cardmember for more than 25 years with good credit and payment history. Around early XXXX I had trouble making my payments and tried to work with them. On XXXX XXXX, XXXX, Citibank put me into a program that had me make smaller payments and sent me an agreement that said if I made all of the payments they will re-open my account in 12 months. Right around the XXXX month, I made my regular payment and expected to have the account re-opened. Citibank then said that in order to do that, I would need to make a regular payment for the balance that would be around {$600.00}. I told them that they never told me that when I agreed to the agreement they sent me on XXXX XXXX, XXXX. They told me that " The system, that makes all of these decisions is the one who decided that, in order to re-open my account, I would need to pay that amount. I did pay, even though it was very difficult and then about two weeks later in early XXXX XXXX, they told me that they were not opening my account and the full amount would be due at a rate of 30 %. I told them that they promised me that they would work with me and understood at the time the economy was terrible, but ended up putting me in collections. When I tried to stay out of collections, during a call to XXXX of their collection agents, I let them know I could afford a {$200.00} payment and they laughed and said " why bother ''. 

My Debt has been sold to many debt collectors, and the latest sent me today a so called validation of my debt which also included someone else 's debt information which I believe is illegal. 
I think Citibank has violated the terms of the agreement it entered with me. I believe that they misled me in this program that was going to help me defer payments due to financial hardship. I do know that last year around this time you were successful in getting them to correct this predatory and deceptive marketing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
Citibank has closed my account because I have disputed a transaction of a service that they promptly issued a credit for even indicating that they appreciate my business. Yet, a couple of weeks later, my account was closed and all my rewards associated with it were voided. In addition to this, I stopped being able to see my statements online and the Executive Office associate I spoke with told me I would start receiving them in paper format from now on. No statements have ever since been received since account closure. I have been receiving calls from this lender at XXXX inquiring why I am not making my payments, when I have contacted Citibank multiple times requesting the adjustment of the balance so I make my payment in full. This includes the removal of the late fees, interest and finance charges for the reason stated above and requesting the honoring of the rewards that were voided by them and not me. Otherwise, no more payments will be done on this account and a lawsuit against these abusive and predatory lending practices will follow. I would also like to add that when I first became aware of the account closure, I repeatedly contacted this lender explaining to them my concerns and even speaking to a representative in the collections department who told me they could only act on rectifying my concerns on the account balance if I defaulted on my payments. Yet, nothing is being done to help with my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been paying off my Citibank student loan on time through an automatic transfer from my bank account for the last 4 years with the same rate. Recently, I received a call from a debt collector so I investigated what was going on in my account. Turns out, my interest rate increase from 7.25 % to 7.5 % in XXXX 2016. Because of this increase my bank did n't transfer the proper minimum amount which led to a small fee adding up over time and the debt collector call 5 months later. I went ahead and paid the balance but continue to receive calls from the debt collectors 5x or more per day. The only notice of this increase was hidden in my electronic statement the month of the increase. There was no warning and since I receive electronic statements that you have to login to review this was too easy to miss. I emailed Citibank about this issue and received this strange reply : " Interest rates for our private student loans are variable based on the 3-Month Prime Rate index as published in the Money Rates section of The XXXX XXXX XXXX, rounded up to the nearest one-eight percent plus a margin. The margin does not change ; only the Prime Rate is variable. Variable interest rates are adjusted quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX based on the published 3-Month Prime Rate index 30 days prior to those dates. 

Private Loan interest rates have increased by .25 % for XX/XX/2016, effective XXXX XXXX, 2016? XXXX XXXX, 2016. The Prime Rate published in The XXXX XXXX XXXX on the reset date changed to 3.50 %. This is why your payment increased. The notice was on your statement. 

Your payment due on XXXX/XXXX/2016 has not been received. 

Please be aware that your account is past due. Collection activity will continue until this account is brought current by either making the payments due or through an approved deferment or forbearance. Remember, making your student loan payments on time may help you build and maintain a good credit history. '' I feel like I 'm being taken advantage of and need help. Thank you for looking into 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 2023-02-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: AC AutoPay LLC, Denver, CO Branch
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX/XXXX/15 I went online to research car refinance rates in my area. I used XXXX and found a site that I understood would provide me with the prevalent rates in my area. They required some personal information to identify the best rates. I completed the form and submitted the information. In no way did I request or apply for a car loan as I only wanted to research current refinance auto loan rates. Unfortunately this site uses deceptive messaging and serves as just a marketing gateway to lenders which consequently ran my credit XXXX ( XXXX ) times thus affecting my credit report/score. Unfortunately I deleted my browser history and do not have the name of the deceptive website but i do have the names of the XXXX finance companies that deceptively acquired my personal information and ran my credit report resulting as a hard inquiries on my credit report. 
I have attempted to contact the XXXX companies in question to no avail as they all have stated they are not responsible for the deceptive practices of the original website. I disagree and would like them to remove the inquires in question on on my credit report. 
I 'm respectfully requesting assistance to have the companies in remove their respective inquiry from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I 'd filed a previous complaint about Best Buy. Was told if I opened acct to buy XXXX XXXX, it would only be {$25.00}. Several months ago they began dumping interest and fees, {$1900.00} bal ( limit {$2000.00} ) they took to over {$2500.00} in just few months almost {$100.00} mo payment. TV per their site isnow worth {$250.00}. Each month they told me diff story ; sent me an agreement, told had 30 days to appeal. Asked them to explain and if it would put $ XXXXmonth back. They said I had to wait to see XXXX bill, but that would be after 30 days! My XXXX Bill just came in and it 's still almost {$100.00}, balance {$2700.00}. I told them heavy medical bills, ca n't pay {$100.00}, only {$25.00} as i was promised. Keep telling me diff stories as they pile up fees and interest. Wife borrowed $ to pay XXXX in full, thinking in XXXX we 'd be back to {$25.00}. Best Buy will not take any responsibility for scamming us, and will not work with us. I offered to give tv back said no. I asked that restart the balance to around {$1900.00}, XXXX which is still outrageous for this tv and a few other sm items in the trash ), but was willing to settle for that if they reset monthly payments to {$25.00}, which is what we were promised it would be. My wife is partially XXXX, we are both senior citizens. Can you give us contact information for someone who CAN help us? We of course ca n't afford a lawyer. My wife went to doctor and XXXX XXXX way up because of Best Buy. Please help. Thank you very much. We feel we 've been scammed and worst, now they might ruin our credit, and maybe insurance and other bills will skyrocket. That will be completely destructive for us. My former complaint # # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt was originally from XXXX XXXX credit card. I disputed charges with them on multiple occasions and my issues went unresolved. The debt was disputed with the credit bureaus. Removed and then on XXXX/XXXX/16 the debt was added back to my credit report but through Portfolio Recovery. Portfolio recovery has now illegally re-aged the debt to appear current even though the debt is old and from XXXX XXXX charges, that they still have yet to resolve. In addition, XXXX XXXX did not provide any information that the debt was being sold and/ or any update to the investigation regarding charges before putting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, I observed that a collection debt was placed on my credit report by a Portfolio Recovery Associates. Never received any communication from this company nor did I have any idea what this debt was. Had to call XXXX credit bureau to even find out that it was Portfolio Recovery supposidely attempting to collect on behalf of XXXX. My ex-wife received a call yesterday requesting me to call back a number regarding a " final attempt by XXXX to deliver me some important documentations. '' I called back the number and got XXXX minutes of hold music but nobody ever answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MA
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 all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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 2016-04-15
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I signed a promissory note that required 60 payments of {$570.00}. All 60 payments were made as agreed and on time as I had my account on ACH. I am now being pursued for an additional {$26.00}. They are harassing me at my POB for payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm trying to refinance my XXXX mortgage.Citimortgage owns the second loan. I have done everything they have asked and each time what they need changes, they keep delaying matters as I get charged .for interest. The wo n't work with my future mortgage company.I have given verbal and written permission.every phone call isca run around now they are trying to say I requested for hardship assistance. This has been going on over a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was served a letter stating my wages at my job will be garnished in order to pay back a student loan to CITI Bank. I never took out a student loan with Citi Bank ever. I did have a federal student loan but i paid that back in full in 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