BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-16
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions 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:
I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! EXPERIAN is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .XXXX  also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and 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
Consumer complaint received 2019-06-17
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My property tax has never been paid from the XX/XX/2019 deadline. In addition, my last property tax payment was very late. The tardiness is causing my account to incur interest. I've asked that my company pay my bill and ensure there are no more missed or late payments. This is unacceptable and I am tired of contacting the company for the same issue every quarter. The local tax collector has assured me that the mortgage company has everything they need to make payments in a timely manner.

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 2019-01-10
Company: Colony Brands, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. 
XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Investigation took more than 30 days

Complaint:
I disputed inaccurate on my credit report advising the bureau to validate the accounts if they were unable to validate then remove them off my report. The letter was sent over 30 days ago and I have not received a response. 

The inaccurate accounts XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I got an email at XXXX on a Sunday evening telling me I have a message. First I have to call to find out where the message center is. Apparently it's hidden under Services - Statements and Documents - view E-communications. Then I have to call back because it's a message telling to call but not why. 

" We're missing some important information Hi, XXXX. We've received your inquiry on your Citi Double Cash Mastercard account. We need more information from you before we can look into your question.  Please call us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ) or go to citicards.com to provide more information. '' Fight through you voice mail system again only to be told they don't what it's about either but I should probably call back tomorrow. 

I called back the next day and they still do not know what was sent or why. 

It should not take much intelligence to know that if you are going to ask a customer to call without telling them why it would be a good idea to place an alert on their account so the call is routed to the right person. 

I have spoken with 6 people with Citi regarding this matter and every person I speak with gives me a different story.

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 2018-10-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX XXXX XXXX XXXX # XXXX, This account is a duplicate please delete XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX  XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.

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 2018-10-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to make two mortgage payments before the 90 day deadline ( which is tomorrow ) their computer is down or will not accept my payment, they have done this before. I will be calling tomorrow when their offices in Florida are open, what shall I do if they will not take my payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: Big Picture Loans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX 2015 LOAN IN THE AMOUNT OF {$600.00}. THEY ARE LEAVING THREATENING MESSAGES ON MY DAUGHTER PHONE AS WELL AS MY WORK PHONE NUMBER. TELLING ME THAT I WILL BE GARNISHED FOR {$3000.00} DOLLARS. 

THESE PEOPLE HAVE TOLD ME THAT I WILL BE HAVING MY WAGES GARNISHED AND HAVE TO DO COMMUNITY SERVICE. ALSO TRIED TO MAKE A PAYMENT PLAN WITH THEM BUT THEY WANTED MY BANK INFORMATION AND TOLD ME IF I DIDN'T GIVE THEM THE INFORMATION RIGHT THEN THAT THEY WOULD PROCEED WITH THE GARNISHMENT. TOLD ME THAT THEY WOULD COME TO MY JOB AND NOW XXXX IS ACTING LIKE SHE IS CALLING FROM THE COUNTY CLERK OFFICE LEAVING ME THIS NUMBER XXXX. 

IF YOU DON'T SAY WHAT THEY WANT TO HEAR THEY WILL HANG UP ON YOUR IMMEDIATELY. ALSO I WAS NEVER INFORMED OF THE 850 % INTEREST RATE OF THE LOAN. I WAS TOLD THERE WOULD BE A {$120.00} FINANCE CHARGE. I WAS UNABLE TO VIEW THE " TRUTH IN LENDING '' DISCLOSURE UNTIL AFTER MY LOAN HAD BEEN PROCESSED AND FUNDS DELIVERED TO MY ACCOUNT. THIS IS ILLEGAL AND REMEMBER, THEIR CLAIM THAT THEY IMMUNE TO THE LAWS OF THE FEDERAL GOVERNMENT IS TOTALLY FALSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Square Inc
State: OH
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 booked a trip to XXXX through XXXX, using my Cashapp card to make the monthly payments of XXXX for 6 months. The company XXXX shut down XX/XX/XXXX using the pandemic and did not refund payments to me. I filed a complaint with Cashapp and was told that they couldn't do anything because the transactions were over 60 days. 
I used the pay delay plan which I was to pay ( which I did XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XXXX and XXXX in XX/XX/XXXX. They did refund the 1 payment for XXXX but are refusing to go after the other months. I have constantly explained to them that there is no way for me to contact XXXX and they are still refusing to help. 
I have lodged complaints about XXXX to every site I could think of trying to secure my money back and no one seems to be able to do anything. PLEASE HELP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I got a new Credit card in the mail in XX/XX/XXXX. I went to my personal bank, tried to get a cash advance and was told that the card was declined. So I withdrew the funds from my personal bank account. In XXXX, XXXX, I received my first statement from my new credit card, and the FIRST TRANSACTION on XX/XX/XXXX, was a CASH ADVANCE. My FIRST STATEMENT also included an important message that my ACCOUNT IS PAST DUE, however, this is my FIRST statement. I was charged a LATE PAYMENT FEE, CASH ADVANCE FEE, & I have a previous balance, but AGAIN, this is my first statement. I am also being charged an interest for the cash advance. I called Fortiva bank card, & I tried to explain the problems with charges I didn't authorize, and the cash advance that I was told was declined. After my daughter called 3 times for me, I was sent a letter on XX/XX/XXXX, about the unauthorized charges in XX/XX/XXXX. We sent that into Fortiva, no word yet. On each of my statements that have actually been sent, I am still paying cash advance interest charges. I have paid {$990.00} on this card since having received it in XXXX of XXXX. Every time I make a payment, around XXXX  goes to my balance, the rest just pays fees associated with my account. I am XXXX years old, and I am on social security. Only one or two times have I paid the minimum payment. If all I am going to pay is fees, I might as well not pay anything, because this card will never be paid off. I have cut the card up and  disposed of it. Fortiva keeps telling me that I am late on my payments, however they don't even send me statements to show me how much I owe. My daughter set the account up online, so she could see what is going on with it. In XXXX, the first statement has a due date of XXXX XXXX. I received the card in XXXX of XXXX. My agreement with them states that they will send me statements by mail, and they have not done so. I can only pay my bills with checks as I am not computer savy as my children are. For the 2020 year, there are only three statements listed, XXXX, XXXX, and XX/XX/XXXX. In XXXX 's statement it shows I am over the limit {$120.00}, and I haven't even used the card. It shows I have a past due balance of {$150.00}, and I have been sending them {$100.00} a month. They have charged me {$12.00} maintenance fee, and a {$40.00} past due fee, but the last statement I received before XXXX, XXXX, was XX/XX/XXXX statement. I am still also paying a finance charge for a cash advance that was declined in XX/XX/XXXX, and it has been 15 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I returned a XXXX XXXX XXXX +++3 MONTHS EARLY+++ to BMW of XXXX XXXX, about a year and a half ago. The day when I returned the lease, the agent helping me took my credit card to pay the remaining amount remaining on my lease term, plus mileage overage, etc. 

I recently received a letter from them stating that I am no in collections for not paying my lease termination amount .... How can this be possible when I purposely returned it early so I could buy another car. They even took the car, and had it on their lot for 3 months before they sent it back! This is what the agent told me later when I called back to complain about why I am being charged again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was asked to pay for a debt by Chase Cardmember Services. They never gave me money for the debt they are trying to collect on. There is no first hand knowledge of anyone within the company witnessing this money being given to me. They have harassed me with phone calls, destroyed my credit, by reported false negative claims to the credit reporting agencies. On XX/XX/XXXX, they sent me a letter that they must receive payment of {$610.00} or else the account will be charged off as a bad debt. I received a notice dated XX/XX/XXXX that they sent this to XXXX XXXX , XXXX to try and collect this debt saying I owe {$2400.00}. I then received a letter from XXXX, that they are now trying to collect on this and that letter was dated XX/XX/XXXX. I then sent a response letter, certified mail with a response to stop and with questions to be answered. I never received anything back regarding this and they are continuing month after month reporting negative claims to all credit reporting agencies damaging my credit more and more. I called them today XX/XX/XXXX to try and settle this dispute but they would not settle and did not offer me a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: CNG 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:
Asked both of these companies for validation of debt. Original creditor TEMPOE aka Why not lease it and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not sure of this debt. I sent validation of debt certified mail. I made payments to stop this from going on my credit report until validated, which they agreed if I made payments they wouldnt report. They reported the debt even tho the payments were made as agreed.

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 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an offer in the mail to apply for the Capital One " Spark '' Business Card. The offer included a {$1000.00} Cash Bonus after spending {$10000.00} in the first 3 months. After fulfilling this qualification I received a {$500.00} Cash back. After numerous phone calls with customer service and management they have refused to give the offer that was promised. 
Procuring cause and offer information below has been provided. 

Reservation # : XXXX Access Code : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: CA
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:
Back in 2012 my office got broken into and they stoled not only my computers my wallet which had my drivers and social security in it, ( copy of police report included ).  Earlier last month I purchased my first copy of credit report and got shock of my life to find out how someone could of done such a thing to me. apparently some one unknown to me had used my personal information to get an apartment and personal loans under my name from XXXX XXXX XXXXL. at that time i had reported these accounts to credit bureaus and they had instructed me to file an FTC report which i did. Also at that time i had wrote a letter to XXXX XXXX XXXX and had made them know that the account that they are reporting to my credit report is result of identity theft. As of today i have not received no correspondent from XXXX XXXX XXXX   and i decided to purchase a new report to find out that this fraudulent account still reporting to my credit report that is the reason i am here now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore loan management services my fha home loan number XXXX for XXXX XXXX XXXX XXXX XXXX pa XXXX. In XXXX i requested help due to reduction of income as a result of covid19. They sent me a letter of approval for three month for XXXX XXXX and XX/XX/XXXX. I sent the request back signed the end of XXXX and emailed a copy XX/XX/XXXX. Since that time I have gotten threatening ltrs that say im delinquent and i have called them and they will not stop these threats. I cant loose my house. Why are they not honoring the forbearance? This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
XX/XX/20 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/20 Today is XX/XX/20 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: STL HOLDING COMPANY, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
DSLD has a mortgage company, they are a builder, and have a title company. 
DSLD mortgage appears to be violating the intention of RESPA due to the fact that they will not pay closing costs if it goes through another lender but will provide a the builder agrees to pay $ XXXX in closing costs if the borrower agrees to use their title company and lender. 
Since the buyer has to pay more based on some contingent factor from a builder, lender, or other party isn't this a RESPA issue? The additional amount paid would generally be considered a kickback  to the benefitting party. 
Home builder incentives ( buyers have to use the builders mortgage company or pay thousands of dollars more for the home ). 
Lender incentives ( imposing an additional fee on homebuyers who elect not to use an affiliated company ). 

Mortgage companies that do not operate within the confines of the law and attempt to operate in contravention of the federal consumer protection laws have an unfair advantage to that of bank lenders as well as present the potential for significant consumer harm.

Company response to consumer: Closed with explanation