BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company called ADR called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband  and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement  would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a XXXX, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom  to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I brought my last 2 cars from XXXX XXXX in XXXX N.J. I would iof continued buying cars from XXXX but I recently discovered they paid the payoff on my last trade so late it plummeted my credit score. I called and the staff assured me the payoff was sent. The finance people at XXXX lied and blamed it on the holidays and said they personally had sent it out. I traded my car XX/XX/XXXX. They made the payoff almost XX/XX/XXXX I started receiving calls at my job mid XX/XX/XXXX after returning from vacation that my payment was late for a car I didnt own I called them and was told the owner would clear it up with the bank which they never did. I never even got a call back from them I went from over a 800 credit score down to very low XXXX as a result I have worked so hard to preserve and maintain my credit all my adult life to have this happen This is impacting my purchasing power as I am on the market for a new home and a vehicle for my son I plan to file a complaint against them with the XXXX  Bad business practices

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 2018-10-06
Company: Performant Financial Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received a letter from our Bank yesterday ( Friday ) saying that Performant Financial 's subsidiary, XXXX XXXX was going to take money from our bank account. We then tried to call XXXX ; but their offices were closed. The offices won't open again until Monday We have not been contacted by XXXX for anything ; and XXXX has provided not documents showing that any amounts are due that they are trying to collect. 

XXXX is claim that we owe the Indiana Department of Revenue ( " INDOR '' ) ; but we don't owe them anything, and INDOR also has not contacted us nor sent us anything, etc. We don't owe INDOR anything that we know. There is a break-down of due process. 

XXXX XXXX actions seem to violate the FDCPA, and other laws ; including Indiana laws. XXXX seems to be engaged in Unfair, deceptive and abusive business practices. As senior citizens ; we feel that XXXX to trying to pull one over on us.

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 2019-01-31
Company: CITIBANK, N.A.
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 have been doing business with Citi Bank since XX/XX/XXXX when I first opened my credit card account with them with a {$300.00} limit. I have paid my bill on time and have never had any negative infractions while doing business with Citi Bank, account has been in good standings with the company. So I always receive pre-approved credit increase packets in the mail, but every time i apply i'm always turned down for the increase. So i received another pre-approved credit limit increase packet in the mail in XX/XX/XXXX and applied once again only to be turned down. So XX/XX/XXXX I call and speak with someone in the reconsideration phone line at Citi Bank and was told that they found and i have negative items on my credit reports. So me and my son ( which does credit repair ) pulls my credit reports and I do not have any negative items whatsoever on my report. Every item on all 3 of my credit reports are in outstanding status. I have no collections, late payments, bankruptcies, or not one single negative mark on my credit and I have proof that it has been like this for months. I have very high limit cards with my credit union and several other credit card companies. My vehicle loan is in outstanding shape and I have low APR. We are at a loss of words of to why the company I have been doing business with the longest keep generating these fraudulent packets that's being mailed to my address and every time i apply i'm turned down. They can not be looking at my current credit reports cause I have copies and proof in hand. I would like this matter looked into by someone and reconsidered. Because I feel this card is useless to me

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 2018-10-06
Company: RoundPoint Mortgage Servicing LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hail storm of XX/XX/2018. XXXX issued check for {$21000.00} on XX/XX/2018. payable to me and Round Point. We endorsed said check and sent to Round Point. I was need in funds to replace my roof and to do the rest of the repairs. Forms notarized and sent in. Round Point says one is not legible and sets everything aside. Two weeks go by. Call on the phone, Forever on hold. Given apology. Resubmitted said document.

Finally, Round Point has agreed to release some of the funds ( today is XXXX XXXX ). to pay my poor roofer, who has been waiting for 2 months. 
However, the check which was to pay my roofer, was sent to someone in West Virginia. I was given the XXXX tracking number. We live in Colorado. Response is questionable. 
Working with XXXX XXXX and XXXX XXXX. 
Five months after the hail storm, I have yet to recieve as much as one cent back from Round 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 2020-10-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Merchants and Professional Bureau, 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: Account information incorrect

Complaint:
Merchants and Professionals is reporting an inaccurate late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX/2019 : Company = XXXX XXXX XXXX Company : Left a voicemail Me : Checked online account, noticed late payment. Late payment due to returned check. 
Note : Spoke to XXXX from XXXX. I recorded our conversation. I have payment confirmation emails referred to below and a screenshot of the payment screen. 

Complaint : The website, on the payment screen, says that the payment will be posted the day the payment is submitted and the transfer of funds will be completed within 2 business days. This is also said in the payment confirmation email. I planned accordingly and closed my checking account on the 3rd day. Since the payment was processed post-closing, a return check was resulted. If the bank was able to, at the least, post the payment to my bank account then it would have been fine, because all posted/pending payments were funded when I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I HAVE NOT RECEIVED A RESPONSE YET. THIS IS MY SECOND TIME SENDING THEM MY DISPUTE LETTER HOWEVER, I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Maximum Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
When I was unable to repay the loan, the company repossessed the car immediately, and has continued to add on fees and harass me calling ( home and job ), texting, emailing, and even showing up at my home repeatedly, all though out the day, harassing myself and relatives. Saying that I owe a balance that is 6 times more than the original loan and after taking the vehicle. The harassment is absolutely ridiculous. I have to file bankruptcy solely in hopes that it will stop them but I have a feeling it will not as these people are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company failed to send me documents validating that i owe this debt. They informed me that they will be placing this on my credit report and damage my credit history. The company didnt give me proper notification to handle the debt. I get constant calls in which the phone hangs up when i pick up and say hello. I have sinced blocked the call because i was disciplined at my XXXX unit because they called during formation. I also checked my local secretary of state to see if this Company has a business license authorizating them to conduct business in the state of California and they dont. This company was hired by a slum management company to complete their dirty work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Letter from XX/XX/XXXX from Citibank which CFPB helped me with stated that my account was under review for a XXXX. I know there should be a XXXX issued by tax law. 
1. They wrote it off their books in XXXX 2. The balance wrote off was over {$600.00} 3.  No collection activity since XXXX or XXXX. 

I called today ( XX/XX/XXXX ) - the date a XXXX is required by IRS rules to be mailed out by. They have not issued said tax form yet. I am asking your assistance in making sure they do not circumvent the law and issue the tax form as they are required to. I may not know a lot about tax laws, but I do know that much. I also know that once that XXXX is issued, they are to start reporting my balance to the credit bureaus as {$0.00} - both XXXX cards I had have done this once they issued their XXXX forms. Im tired of Citi Bank trying to get around the laws and write their own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: PENTAGON FEDERAL CREDIT UNION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX//2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

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 2017-12-07
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB. 
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password? 
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email  messages confirming account lock out? 
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer? 
When is my account going to be available for online banking? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: APPLE FINANCIAL HOLDINGS, INC.
State: CA
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 have had my credit card with XXXX XXXX bank for several years. I received an email tell me the sent me a new card. I received another email saying they sent me a new card and my current card will be deactivated. I needed to activate my new card. I never received a new card, so I called them. When I spoke to them they said they will send me out a new card. I got an email now saying my bill was due. I went online to pay it. It said my balance was zero. I got another email that said my bill was late and I would pay a late fee, so I called them again. They said I was charged {$30.00} for a new card, {$27.00} for late fee and {$5.00} for maintainer. They said I had to write a letter and fax it to dispute the charges. I did that. They emailed me back and said they would credit me the {$30.00} and {$27.00}, but I had to pay the other late fees first. I started to them they changed my account number and I would not be able to pay it without the account number. They said pay it to the old account number. I then questioned the amount I needed to pay. They said Past Due {$35.00} XXXX / Remaining Amount Due {$35.00} XXXX Total by XXXX {$70.00}. Im waiving {$27.00} Late Fee and make sure Amount. Due is paid {$0.00} after your {$70.00} total pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX and they have no record of this inquiry. Equifax reporting this falsely and providing written proof per my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Ability Recovery Services, LLC
State: IL
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:
This is a scam company. No way is this my debt and you never gave me a chance to dispute this debt! This is bogus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/2020, I received notice from XXXX XXXX that my credit score had changed. Nothing had changed about my payment history or accounts, so I logged in, hoping that the fact that my bankruptcy, now about 10 years old, had fallen off of my report and would improve my credit score. Instead, what I found was that there was one solitary change to my credit report, that the bankruptcy had fallen off, and that my score had FALLEN by 44 points with XXXX, and 34 points with Equifax. There were NO other changes. I called each of the companies to ask why my score would have fallen and fallen SUBSTANTIALLY when the only change to my report was a positive one, the removal of a 10-year-old bankruptcy. Note, my husband 's score, and he shares virtually ALL of our credit history, went up by 20 points. I do not understand AT ALL. This makes no sense. So I spent hours on the phone calling both of the companies, asking how it could be that the removal of a negative event, flagged as yellow or red on the reports for the high impact it should have had on my credit, should result in the largest drop I've seen in my credit ever. Equifax is sending me a copy of my report so I can review it, but based upon the information in XXXX XXXX, I don't anticipate seeing anything incorrect as to the records, only this completely illogical result in my score. Please help. This should not happen. It's completely unfair and I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
obtained loan XX/XX/XXXX interest rate was very high and i lost my job, it was outsourced to XXXX in XX/XX/XXXX i struggled to pay payments, XXXX XXXX would n't work with me to lower any payments or interest, i paid {$280.00} per month until XX/XX/XXXX totaling around {$13000.00} and the original amount purchase price was only {$11000.00}. they are showing i owe an amount of over {$9000.00}. this is making it impossible for me to obtain a vehicle loan. i have talked to the company several times. they are saying i paid nothing on my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company claiming to be american express Phone number XXXX XXXX XXXX Calling personal number repeatedly Calling AT WORK Calling about father 's credit card, not my own Looks really bad to get calls at my own work over this. Especially when they call customer service to ask for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: ONLINE Information Services, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ Received letter from XXXX XXXX XXXX. Called them XXXX at XXXX. Found out debt was from someone with TX address. I have no clue who this person is. The XXXX XXXX person I was talking on the phone with said my address was listed also. They said most likely it is fraud and I should contact the FTC. So that is what I am doing now. The debt in question is for {$1100.00}

Company response to consumer: Closed with non-monetary relief