BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In prior responses to the Consumer Financial Protection Bureau, XXXX at the business has claimed that the proof of the alleged debt was mailed to me. The individual has my email address based on an email sent to XXXX on XX/XX/2020. Therefore, you can email the billing for the {$75.00} alleged debt that was paid in full. Be advised, that on XX/XX/2020, I received an unsealed plain white envelope with a one page statement claiming a {$75.00} balance. Furthermore, the only receipt of payment received was an emailed receipt dated XX/XX/2020. 

I will await your email with the proof of the alleged debt that was paid in full prior to being provided with written proof the alleged debt.

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 2021-09-27
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX XXXX  obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

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 2023-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, Capital One made an unjustified decision to reverse several payments received from XXXX, totaling {$370.00}. These payments were initially received in exchange for {$370.00} worth of cryptocurrency on XXXX, which is the largest cryptocurrency exchange service in the world. XXXX operates a peer-to-peer exchange that functions as an escrow service, holding the {$370.00} worth of cryptocurrency until I confirmed receipt of payments from XXXX. 

On XXXX and on XX/XX/2022, XXXX sent XXXX payments to my Capital One account, and upon receiving this payments, I promptly confirmed to XXXX the receipt of {$370.00}. In response, XXXX released {$370.00} worth of cryptocurrency to XXXX. However, at a later point, XXXX applied for a chargeback, and Capital One wrongfully reversed the payments. Despite my repeated attempts to contact Capital One via phone calls and visits to their branches, providing them with evidence of the transaction, they ignored my efforts. As a result of Capital One 's erroneous decision, I have suffered a financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I never took out any cash advances and on the front of my page it showed XXXX cash advances but on the pages after it showed cash advances, and when I called about it, they tried to say that my payments only go towards my credit card purchases, and its not divvied up for cash advances which is a lie. I kept pointing them out over and over and over again I never pulled out any cash advances the same woman in the same few people in XXXX XXXX and a XXXX lady, my calls were always redirected to. I want criminal charges. I want punitive damages and I want my card wiped clean. For the inconvenience this put me in financial debt right before Covid and during Covid. Theyve been pulling out cash advances since I opened the card. The only thing I did was write XXXX check only XXXX. And my payments shouldve gone towards that. They refused to refund me my money back. Try to give me a deal and make me pay off the usage from other people and its the police, the FBI and the DOJ because they all use second life video game and thats how they steal, peoples credit card information, etc. the shouting technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Waypoint Resource Group, LLC
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: Account status incorrect

Complaint:
I checked my credit report through XXXX XXXX on XX/XX/2020 and noticed a fragulent report from Waypoint Resource Group in which they falsely claim that I opened an account with them on XX/XX/2020. I did not open any new accounts with them and they are using identity fraud if they say otherwise. This incident has negatively affected my credit score as they claim that due to this fraudulent account that I owe them {$310.00}. It is my understanding that Waypoint purchased a very aged collections account from XXXX, they can not produce any old debt showing that I have had any account with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I purchased a CD from Citibank with a stated maturity in April. I was sent a correspondence ( happened to find it on my online account, but no other indication anywhere that it was sent ) that said that it would automatically roll into a new CD of the same term unless I called them to have it actually mature when they said it would mature. The online agent indicated that this would now be the case. Perhaps this complaint is resolved ( in that I should get repaid at maturity ). However, it is beyond belief that this is structured like a free magazine or internet service subscription, where they automatically force an extension unless I go through a 20-minute phone call to terminate the merry-go-round! If I had intended to invest for more than three months, I could have done so. If I had wanted to invest for three months but roll into successive three-month investments, they should have offered an opt-in, rather than putting the onus on the consumer to have to opt out. If I had intended to give Citibank permanent capital, I could have simply bought their stock. That they structure a financial product like this is unconscionable. Had I not noticed the message and made the call, I might not have had funds available to pay my taxes next month. This is really cheesy behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
The accounts reporting on my file are fraud. I've sent in my etc report. They we're supposed to block and remove the accounts within 5 business days. they haven't done so. As of " 15 U.s. Code 1618c-2 '', they are violating the law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: WELLS FARGO & COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have been requesting payment information a simple payment history which includes only the following so that it will be easy for me to understand. on a monthly basis which includes ; date payment is due date check payment received by wells fargo date wells fargo got paid from my bank with these information i can easily find out where the mistake has occurred. 

i have requested this information several times but they refuse to provide me 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 2021-01-25
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint I have had to file in regard to the servicing of my mortgage through Loancare on behalf of XXXX bank. This complaint ties into the last one, as they straightened out my account only to throw it into turmoil months later. Loancare took over the servicing of my loan in XXXX ofXX/XX/XXXX when the transfer occurred, I was coming out of forbearance, I had applied for and been approved for deferment. My husband and I accepted and signed the partial claim through HUD in the amount of {$10000.00}, this was sent back to XXXX on XX/XX/2021. For some reason LoancareXXXX never processed my paperwork, after fighting with them for months they finally located my paperwork and filed the claim. They recorded the partial claim in XXXX XXXX on XX/XX/2021. While I was fighting to get them to process my original paperwork, Loancare decided to send me 2 more deferment packages each one with different amounts. I refused to sign these packages as I had already signed, and they had recorded the original in the amount of {$10000.00}. They keep calling and sending emails regarding the second and third packages, they did not seem to understand that a claim had already been processed. In XXXX of 2021 they seemed to finally have everything straightened out and we felt the whole mess was finally behind us, boy where we wrong! On XX/XX/2021, I received a letter stating that I was 8 months behind on my mortage ( this is not correct I pay every month ) so I called to find out what was going on now. I spoke to a supervisor named XXXX id # XXXX, he could see that I was making my payments and was unsure why my account was showing 8 months past due. He escalated my account to his supervisor and told me I could expect a call in a few days after they reviewed my account. On XX/XX/2021, XXXX id # XXXX returned my call she stated my account was past due because I requested to cancel the deferment. ( THIS IS 100 % INACCURATE ) also possibly illegal as I have a claim recorded on my home through HUD, that has not been reversed. The only place they reversed this deferment was in their system. XXXX told me she would look into my account and return my call, this never happened. The mortgage statement I received on XX/XX/2021, shows that my account is current and by XX/XX/2021, I was 8 months behind. I am not sure what is happening at Loancare but at this point I believe they are illegally trying to take my home as they have started sending me foreclosure notices again. Loancare needs to be investigated their practices are beyond incompetence at this point.

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 2023-07-03
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Goldman Sachs Bank, USA. did a federal backup debt on my CD for the month of XXXX for {$220.00}. My account ends in XXXX. Customer number is XXXX. I want this money put back into my account. I never even signed a signature card back in XXXX. So they sent me another one in XXXX. I HAVE NO FEDERAL BACKUP WITHOLDING I OWE THE FEDERAL GOVERMENT. I SENT THE NEW ONE BACK ON XX/XX/XXXX, INDICATING I HAVE NO FEDERAL BACKUP WITHOLDING FROM THE FEDERAL GOVERMENT. I CALLED ON XX/XX/XXXX. THE REP ADVISED THEY STILL DO NOT HAVE. I WAS PROMISED A CALL FROM A SUPERVISOR NAMED XXXX, ON XX/XX/XXXX. I NEVER GOT THE CALL. THEY WILL NOT SEND ME ANY SIGNATURE CARD, THEY SAID I SIGNED BACK ON XX/XX/XXXX. THAT'S BECAUSE I NEVER DID. IN THE MEANTIME I WANT THE {$220.00} PUT BACK IN MY ACCOUNT THEY TOOK OUT ON XX/XX/XXXX. I SENT THE NEW CARD IN TO STOP THE BLEEDING, AND THEY CONTINUE TO PLAY GAMES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ACCESS LOANS IS SHOWING UP ON MY REPORT AS AN ACCOUNT OPENED AND NOT PAID. I HAVE NEVER OPENED UP AN ACCOUNT WITH THIS COMPANY NOR DO I WORK FOR THE EMPLOYER THAT IT WAS CREATED FROM. I DONT HAVE ANY KNOWLEDGE OF THIS ACCOUNT. IT IS NOT MY ACCOUNT. I AM AM WAITING FOR A COPY OF POLICE REPORT. THIS ACCOUNT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-10-26
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a backdated email from MOHELA on XXXX that my account was put into administrative forbearance, which I did not request -- email dated XXXX. The forbearance noted is from XXXX to XXXXXXXX 

I had scheduled my expected payment for XXXXXXXX which was posted and processed by MOHLEA, but my account remains in this administrative forbearance and the processed payment is not listed in my PSLF payment tracker. 

I called on XXXX and waited for 3 total hours on hold. The MOHELA rep I spoke with said the admin forbearance was applied to my account erroneously and that they would take me out of the forbearance. This was quoted to take 3-5 business days and that my account should update appropriately so I can make a XXXX payment that will count toward PSLF. My completed XXXX payment should also count toward PSLF, since it was successfully processed. I was disconnected from the rep at the end of our conversation and I didn't have any paper trail to confirm that the changes were actually noted in my account. 

I called back on XXXXXXXX  to confirm that the admin forbearance was truly removed from my account, since it was still noted that my account is in forbearance after several business days. I waited 2.5 hours on hold to speak with a rep. The rep confirmed that the request to remove the admin forbearance was noted on my account and that it could take up to 7 business days from the date of the request to display in my account. They encouraged me to call back by Thursday, XXXXXXXX  if the forbearance was still listed in my account. 

Today, XXXX my account is STILL listed in forbearance with the same end date of XXXX. I am currently waiting on hold to speak with another MOHELA rep ( 40 min in ) and I assume they're also going to give me different information.

I was successfully transferred to a SAVE plan from my previous REPAYE plan in XX/XX/. I was on REPAYE much ahead of the pandemic and do not want or need any recalculation of my payments. I am prepared to restart repayment and expect to make my payments as normal, but I can not due to this erroneous forbearance.

I did not have any active applications for recalculation or PSLF counts in process. My account should not have been placed into forbearance and now I'm suffering consequences of having money debited from my account while the payments are not counting toward forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
XXXX detached

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 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX  reported a payment 30 days late. After discussing the issue with XXXX XXXX I was assured the issue was fixed. XXXX XXXX immediately refunded the late payments and instructed me that the account was noted and to dispute the late charge with all 3 credit agencies and it would expedite the process to remove the late payment. As instructed I immediately notified all 3 credit agencies. Not a single dispute rectified my situation. I again called XXXX XXXX and after multiple conversations was told I am not allowed to speak to the dispute department and that I was given wrong information. I again explained what had happened and the bank again assured me this would be fixed. It s over 90 days later and I am unable to speak to anyone who could rectify this situation for me. I even attempted to dispute the charge itself but XXXX XXXX never properly moved forward to do this. I was explained to twice by XXXX XXXX this would be fixed and I am running out of options to fix the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NY
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 been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX of XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with XXXX, XXXX and Equifax. I have submitted letters and proof of the receipt to all XXXX bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my credit score to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from XXXX, Equifax and XXXX. None of the companies named have provided a detailed report of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
When I opened the account in XX/XX/2023 I was promised two different cash bonuses of {$300.00} each after three months. One was for having a direct deposit to the checking account and one was for keeping a certain amount in the associated savings account. Not it's XXXX and neither bonus has been applied to my accounts. I have made several attempts to contact Citizens Bank by phone to inquire about the status of the promised bonuses but each attempt has been unsuccessful. They often have ended my call abruptly. I have nowhere else to turn. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Southwest Credit Systems, L.P.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification that I had an adverse account that was posted to my credit report. I called SOUTHWEST CREDIT SYSTEMS & was told that they sent a letter in XX/XX/2018, which I NEVER received. So three years later & with no communication, they slap this on my account. I read the reviews on this company & they are notorious for doing this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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