BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 hired XXXX XXXX, marketing company to help me with my lead generation for my business. I signed the agreement where I was promised that XXXX XXXX will build direct to consumer funnel for me and will explain how to use it. After watching the initial video provided i have realized that XXXX XXXX is not the service That I need and it doesn't match the description of what was sold to me. I promptly canceled the service. The merchant didn't refund the funds back, instead they charged me another monthly fee. I called my XXXX  and told them that I am victim of the fraud, they denied my claim and told me I need to dispute. After providing my evidence I was told that I have signed the agreement that does not allow charge backs. I never received any services from XXXX XXXX and XXXX cant get a hold of them. So now I am out of {$2500.00} because XXXX  denied my dispute and I cant get a hold of the merchant as well. Please help me to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: La Casa Bonita Investments
State: NJ
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:
In XX/XX/XXXX, I came across a loan consolidation company called 1file.org. After they agreed to pay off my loan, I gave them an upfront fee of {$600.00} and paid them {$39.00} per month the first year. For the subsequent years, I paid the {$600.00} annual fee, and they reassessed my monthly payments each year through XXXX. The monthly fee increased to {$170.00} throughout those years. I was told that they paid off my student loan, and I would only do business with them. During the pandemic, I tried to contact them regarding my payments, because my work hours were cut because of the pandemic. I discovered that their website and phone numbers were out of service. Recently, I began receiving emails from my old loan servicing company regarding my federal student loan which 1file.org insured me that they paid off and consolidated this loan. After researching the company 1file.org, I discovered the following article. https : //www.ftc.gov/news-events/press-releases/2019/11/ftc-stops-student-loan-debt-relief-scheme-allegedly-bilked Unfortunately, I have been scammed by this company that stole thousands of dollars from me. How do I pay my late fees and interest on this loan? If possible, I would like this loan to be forgiven. I have many emails dating back to XXXX regarding my payments to this company.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.c. system has a collection on my credit report for an account with XXXX I have never had. Through a BBB complaint I requested debt verification and they sent me an identity theft packet. No debt verification. I have been in contact with XXXX who has no idea what I 'm talking about. Today I received another letter from them regarding and XXXX XXXX XXXX Account I also never had I called XXXX XXXX XXXX and I 'm not in there system as well. I want this company to leave Me alone also they placed information on my credit report for XXXX and I never received anything stating they were going to do that which is in violation of the law. I 'm not doing anything with these ghost accounts until it is proven they are mine in which they are not until it can be proven otherwise which it will not be.

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 2019-02-06
Company: Community Health Investment Company, LLC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX, XXXX sent me a debt collection letter. I received this letter on XXXX. On the same day, I responded and asked the collection agency to validate the debt and provide HIPPA authorization. On XXXX, I received another letter dated XXXX from XXXX. The letter states that the charges were verified with the original creditor and included an itemized billing. An itemized billing does not validate the alleged debt pursuant to FDCPA and FCRA. In response, I mailed another certified letter on XXXX requesting validation of the debt and HIPPA authorization. This was after calling the collection agency a few days prior and being told by a XXXX employee that they would keep reporting to my credit unless I paid them. The second letter requesting validation was received by XXXX, but they have yet to respond with proof of validation or any other written communication. The only communication that they have made with me were phone calls demanding that I set up payment arrangements with them. XXXX last called me on XXXX after I had already requested that they not call me. I would prefer written communication. More specifically, I would like written communication reflecting a validation of the debt they claim I owe to them. According to the FDCPA and FCRA, unverified and/or debts not validated should not be allowed to be reported to my credit report without proper proof if such proof is requested. I have contacted XXXX about XXXX XXXX reporting, but XXXX has not provided XXXX  with proof of validation or verification either. It is unfair and unlawful for an unverified and unvalidated debt to be reporting to my credit especially since I have made multiple requests requesting proof to resolve this matter. This is a clear violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
Company: Law Offices of Jeffrey Nadel
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is that I am a victim of XXXX XXXX XXXX Great Foreclosure Fraud, with the Order to Docket suit to foreclosure on my property. by the following Plaintiff. 
XXXX XXXX, XXXX XXXX, Civil No. XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Plaintiff A copy of the Order to Docket suit is attached to this complaint. 

I have lived in the property for 22 years and have been fighting this corruption and fraud since 2006 when the mortgage documents were presented to me. 
I have detailed the truth in such scandalizing description highlighting the corruption, fraud and intentional deception perpetrated on the American homeowners, Maryland 's Civil Court, and myself by XXXX XXXX banksters, Loan Servicing Companies such as XXXX XXXX XXXX XXXX, and the Plaintiff in my Motion to Dismiss Order to Docket suit with Prejudice as attached with this compliant to CFPB. 

With my Motion to Dismiss Order to Docket suit with Prejudice, I identify those parties, challenge assignments or transfer of a mortgage note and of deed of trust by a pool performance of my Mortgage loan securitization documents. With my motion I take to force each party to prove a chain of assignment and their legal standing to collect payments and foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX I got an offer from U.S. Bank to open a checking account and get the promotional bonus of {$200.00} after I make the monthly direct deposits. 
So I applied for the GOLD checking account and did enter this promotional code XXXX on my application on XX/XX/XXXX as required. 
Moreover, their rep called me several days later to check on some details, and she confirmed this account would be eligible for the promotional bonus promised. 

However, after I had met all requirements, they declined the bonus as they allegedly could not find this promotional code on my application.

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 2021-12-06
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received my Citi credit card in XX/XX/2021, and have been using it successfully since. I was traveling in XX/XX/2021, and had planned to use it as my primary card. I provided Citi with appropriate travel notices and any large purchase notices. However, Citi has blocked the card, and is not offering any solutions to unblock it. I have contacted Citi multiple times pertaining to this request and have gotten conflicting information. 
I learned about the card block on XX/XX/2021. 
1. When I contacted them on XX/XX/2021 around XXXX pm, the customer rep did not provide any information and instead told me that they have mailed a letter. They did not disclose the information in the letter. When I told them that I was traveling, they took down my temporary address. 
2. I did not receive any letters until XX/XX/XXXX and contacted them again around XXXX am. This time, the rep said that there are no potential fraud blocks and they have cleared out any blocks. However, when asked to verify again, they said something about social security verification and that the block would remain until that is complete. I told them again that I am traveling so can not receive a letter and if they can send it to a temporary address. This time, they told me that they can not do so, which conflicted with the information I had received previously. Despite asking multiple times, they also failed to provide any information about what this verification meant and why it was sent to us 4 months after obtaining the card, and precisely at a time when I had submitted travel notices to Citi. They also failed to provide any resolution to unblocking the card while I am traveling. 

As a result, Citi is not upholding its contractual obligation to provide us uninterrupted use of their credit card and I request reimbursement of all financial losses and fees incurred as a result of their breach of contract. Additionally, I would like to request Citi to review how they block and unblock their cards, change their policies to be consistent, and train their representatives to provide correct and complete information.

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 2018-01-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Went looking for a cheap car within our budget. Had no money for a down. Left the dealer satisfied and headed home and planned to move on. Phone rang a coupke miles away, said they would work with us. Turned and went to talk, was handed XXXX on the sly by a salesman. We didnt know what was happening. Took us to a back office with a girl who was rtying to get into my XXXX account and she was throwing millions of papers at us. We still had no idea what was going on. I had to go outside and was crying because if the pressure of her wanting in my personal bank account. I was confused when she said how much are u putting down! We said we told u nothing! We are a XXXX couple I have stage XXXX caner and my husband is a XXXX XXXX. We have a fixed income. She said NO ... .YOU ARE PUTTING XXXX DOWN.???? IM CRYING, MY HUSBAD IS CONFUSED AND THEY say take it home and see how u like it. We did ... calmed down and calked the next day and told them we couldnt afford it and sure wouldnt pay over XXXX for a XXXX used XXXX with no extras even if we could afford it. The dealership said its out of there hands.. Call the finance co. Which we did immediately. We told them the story, asked them to please come get it or we would take it back to XXXX if they wanted. After almost a month they came and got it and by the way they couldnt even start it to move it. The finance co. Said it would be sold at auction and we would have to pay the remainder. Now as you see, we were lied to, pressured, the XXXX produced a fraudulent loan with money they used from them for down and Our credit is screwed, and someway today the finance co. Fraudulently tried to withdraw almost XXXX from my husbands XXXX XXXX account. Please help us and help stop them from doing this to others. 
CarSmart ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX If you need any more information please let us know. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The same debt was reported under two different accounts on my credit report file XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the amount awed as {$0.00} and XXXX XXXX XXXX is reporting {$640.00}. Both accounts should be removed as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CBS Collections, Inc
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector refuses to provide validation to verify this debt is owed by me. They are negatively reporting to credit bureaus but have failed to prove I am legally obligated and responsible for the debt they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Complaint against Associate Bank, XXXX XXXX, WI XXXX Failure of Associated to stop the fraud, when they had the opportunity. 
On XX/XX/XXXX I determined that our computer had been hacked and we were victims of a scam. I called the bank to have our accounts frozen. At that time, I was informed that on XX/XX/XXXX two attempts using XXXX XXXX were denied but a third attempt of {$860.00} was successful. I filed a report with the XXXX XXXX police and a copy was eventually sent to the fraud division of Associated. On XX/XX/XXXX I filed an unauthorized transaction claim. On XX/XX/XXXX, I received a letter stating the bank was reviewing the dispute ( Case # XXXX ). I was never contacted for more information. Repeated meetings with bank personnel were unproductive. Letter dated XX/XX/XXXX stated the bank determined the transaction was valid and they would not be refunding my money due to fact that the XXXX XXXX was an authorized transaction using our cell phone, email and IP address. The question is why on XXXX. a money transfer was denied and at XXXX. was also denied. On XXXX. a withdrawl for {$860.00} was successful. I received no calls from Associated questioning these transactions. Note ; the primary phone number for this account is not my cell phone but a land line. The bank has never addressed these questions. 
I also have a complaint with lack of communication from Associated. The Minnesota Department of Revenue sent a check on XX/XX/XXXX and was deposited to the frozen account on XX/XX/XXXX to which I had no access. Only after checking with the state on XX/XX/XXXX did I find out where the money had been sent. The bank never notified me of the deposit and when I went to the bank, the teller told me I could have gone online which was impossible as the account was frozen. She then had to get someone to override the freeze to access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: MS
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:
From XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX my credit report now reflects 30-60 past due when in fact was never late.. on my credit dated XX/XX/XXXX none of these payments were showing late in fact they werent late. I have disputed the inaccuracies with all three bureaus as well as spoken with XXXX XXXX XXXX about this inaccurate information. They all have failed to validate the accuracy of the info and complete a thorough investigation within 45 days. They have also reported that my account open with the company on XX/XX/XXXX which is not accurate to the signed contract between myself and XXXX XXXX XXXX. Because of the false reporting and poor maintenance of my credit file I lost out on finance options and needed loans. Attached is a screenshot of my account reporting from the bureaus

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid my monthly student loan payment to XXXX on XX/XX/21. I paid {$120.00} monthly payment balance us postal service receipt number XXXX. XXXX has marked my credit as missed payment after making my payment. I also sent a copy of my payment to transunion.

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 2018-01-20
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017, I sent a letter to Receivables Performance Management ( RPM ) collection agency, requesting they ( RPM ) VALIDATE, not VERIFY a debt that they ( RPM ) is trying to collect from me. I specifically stated " Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I requested RPM to send me, in addition to a signed a signed agreement, the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

RPM sent me a billing statement which does not, BY LAW, meet the requirements to validate a debt. RPM has reported delinquent information to the credit bureaus. I am requesting the delinquent information to be deleted from my credit reports immediately.

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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating nationwide stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from nationwide recovery themselves as my proof. I have done everything that is required by me and I expect XXXX/Transunion/XXXX XXXX XXXX to do so also.

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