BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I was awaiting the refund of my financial aid for classes I planned to attend that Fall with XXXX University. After not receiving the refund when normally scheduled, I began calling their Financial Aid office to get a status. I also emailed the Financial Aid office several times and received no return calls or emails. After a few weeks of this, I finally received an answer from the Financial Aid office stating I had run out of funds in my subsidized/unsubsidized loan availability. I would have to pay out of pocket to attend the classes. I was livid and withdrew from this school. I did not have funds to attend and had completed my Financial Aid packet in a timely manner to receive appropriate notice prior to the start of classes. I feel this is a scam by the University to receive funds from students. Had I not been consistent and diligent in contacting the Financial Aid office, I would have attended courses that Fall and owed for that semester. The school failed to provide any notice or status regarding the Financial Aid. This debt is NOT valid and this Collection Agency has NO CONTRACT. The collection agency has also re-aged this account in an attempt to collect and invalid debt. Delete this invalid debt from my credit file immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: ARVEST BANK GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dir Sir or Madam Following a mortgage transfer from XXXX XXXX to Arvest Central Mortgage, I found myself to be a customer of Arvest bank in XX/XX/XXXX for a Rental property I purchased on XX/XX/XXXX in XXXX. 

On XX/XX/XXXX, my tenant provided me with a an account statement letter dated XX/XX/XXXX requesting the XXXX payment. At first Arvest mail was sent to the loan property and not to my home address. 

On XX/XX/XXXX, I contacted the bank and issued a payment for the month of XXXX and initiated an Auto Draft to withdraw the mortgage automatically from my Bank Account. I received a confirmation email ( attached ) stating that auto payments will be processed starting XXXX. At this point, my assumption is that the Bank will indeed process the payment automatically. 

On XX/XX/XXXX, I received a notification that a derogatory account notice was put by Arvest on my credit report. I reached out to their customer service team and I was told that the auto payment didnt happen for XXXX nor XXXX and it should only happen automatically for XXXX. I want to believe this is a mistake on their behalf since I was working on the assumption that they will be processing the payment automatically and I never received such information that contradicts the email attached. 

That same day, their team processed an auto draft for both XXXX / XXXX payments ( Confirmation attached ) but refused remove the derogatory notice on my credit report. The first written communication with this regards I received was dated XX/XX/XXXX disregarding the payment that was made. 

The derogatory notice on my credit report has severe consequences on my personal and professional situation. I work as a consultant and advisor to some of the largest financial institutions in the US and a stellar credit report is a requirement for my work.

Based on the circumstances I described below, I kindly ask that your help with Arvest Bank to reverse that notice on my credit report and that no other actions are necessary on my behalf. 

Thank you very much Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The medical problem for which I scheduled a Dr 's appointment was from a work injury ; hence workman 's comp should have covered this bill. Also, I was never given a chance to dispute this charge within 30 days. I treated very poorly at this hospital, and ended up having my coworker wheel me out in a wheelchair. I literally could not walk so to the extreme XXXX XXXX that I was experiencing, yet the Dr acted like I was some XXXX XXXX trying to get a Rx for narcotics. I felt like I was being judged/faking the injury. This was very embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The first request sent to obtain a Lien release from Ditech Financial was on XXXX XXXX. We have been trying to close escrow since last Thursday but we can not because the buyers lender requires a copy of the XXXX XXXX XXXX be completed and signed by Ditech before they will fund the buyers loan to close escrow. For each day they delay in getting this to us we are paying an additional days interest because we can not make payoff until buyers loan funds. Our Escrow company has been calling multiple times a day for the last 2 weeks trying to get this completed form, I myself have also called many times. Thursday I called twice, tried to escalate it to a supervisor in the lien department, they informed me that this department does not answer phones, I was informed it was escalated via email to a supervisor and that I should have resolution within 24 hours. This did not occur. Yesterday our Escrow company was informed that the original request which was sent on XXXX XXXX was made on an incorrect form, why was our Escrow company not informed that the paperwork they received was incorrect? Our Escrow company resent the correct paperwork yesterday, and called this morning ( XXXX ), they were informed that it takes 3 days for the Fax to get into their system?? The Escrow agent that initiated the request was told by one agent at Ditech that the Lien department was 6 weeks behind! I have attached the documents sent to Ditech from XXXX/XXXX/XXXX through yesterday XXXX/XXXX/XXXX. These contain emails and faxes to a multitude of people that I was told to send my requests to and these include the Lien Release Department, supervisors and customer service people. We can not close escrow or transfer the mobile home title without this document that it is a requirement of the State of California Department of Housing and Community Development and that every other mobile home lender gets these to our escrow company within a couple days of the request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining credit.

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: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX Bankruptcy cas no XXXX date of birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX la XXXX date XX/XX/XXXX My complaint is with Experian and XXXX credit bureaus the problem is Experian and XXXX   are reporting information they obtained from a third party. That not report accurate ( XXXX, pacer XXXX XXXX XXXX, ( XXXX, XXXX XXXX, I contact these company to freeze the account. I disputed the information of the bankruptcy with Experian and XXXX, I have supporting documents to support the information. The US BANKRUPTCY COURT dose not report to Experian and XXXX they refused to remove the reporting bankruptcy. this is violation of credit reporting third party, Disputed this information this month XX/XX/XXXX XXXX attachment thank you your assistant sincerely 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 2018-10-29
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am unable to pay my my XXXX XXXX credit card as the card does not appear in my profile, when I try to add the card however it says it has already been added. The card carried a small balance. I emailed XXXXXXXX XXXX and received no follow up. The website is VERY VERY HARD TO USE!!!!!!!!!!!!!!!!!!!!!!! They should like everyone else have a separate website for the credit card, not lumped into the website. A simple search shows many people with this same problem. They should be advised to simplify this process.

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 2018-12-06
Company: EQUIFAX, INC.
State: MT
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:
I contacted XXXX, Equifax, & XXXX  verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: NRA Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
here have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.

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 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 I made a payment via Bank of America online app to a credit card account for {$320.00}. On XX/XX/2021 that payment was " TRANSFERED '' by the bank to another different credit card belonging to me without informing me. When I received alerts from the bank advising that the original account was " past due '', I contacted BofA via telephone at the customer service 800 number on XX/XX/2021. The representative referred me to the credit card division at XXXX which I contacted via phone at approximately XXXX XXXX. The first representative that that I spoke to, could not resolve the problem at which time I requested to speak to a supervisor. After more than 15 minutes on hold I was connected to a young lady who identified herself as XXXX, the supervisor. In an effort to resolve what I believed to be a minor problem, this young lady requested my entire 9 number social security number and my full drivers license number. She sent me codes on email and text messages, to which I responded. As she was still unable to resolve this issue, I requested yet another more senior supervisor. After another 13 minutes on hold XXXX returned to advise me that there was no other supervisor available. This unnecessary ordeal was a waste of 1 hour and 35 minutes of my time as well as the banks.

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Consumer Financial Protection Bureau, I was a victim of ID theft back in XX/XX/2019 ( see attached Police report and credit alerts ). I went through great lengths to have remove multiple fraudulent hard credit inquires removed from my credit report. My line of work requires accurate credit report and I deeply value it to be accurate. 

Attached is my call log, letter to creditor, and documentation from XXXX on the number of calls I made. A consumer should never have to go through great lengths to get a fraudulent activity removed from their credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I contacted US Bank Reliacard to file a fraud complaint concerning a large amount of money that was missing from my account, {$5600.00} to be exact. On that day I had the opportunity to reconcile the entire account with a reliacard fraud liason by the name of " XXXX ''. We reviewed the account together since its inception date of XX/XX/XXXXXXXX  up until XX/XX/XXXX. Her determination during our conversation was that my suspicions were valid and that the claim was legitimate. She then told me she was sending me account affidavits that I would need to sign in front of a notary and return to her within 10 business days of receiving them, which I did. I received a denial of claim letter in the mail on XX/XX/XXXX and called reliacard to express my disappointment and let them know that I would still be pursuing a refund of my money regardless of what the determined since I was telling the truth. 

During our conversation on XX/XX/XXXX XXXX had told me that she had to cancel my card ending in XXXX so no further fraudulent transactions could be made, I agreed. At that point I had no access to my account since there is no physical bank you can go to, only use the debit card to access your funds. 

I tried for 2.5 months to be issued a new card and reliacard would not send one to me until I satisfied the ID verification process to their satisfaction. I was not able to accomplish that until XX/XX/XXXX when a new card was finally sent to me, a card ending in XXXX. My prior card number was ending in XXXX. 

As money continued to diappear from my account I contacted them several times finally requesting a full account of my debits, purchases, any and all account activity since XX/XX/XXXX to be mailed to me. At first she sent just the month of XXXX so I had to reach out again and request the full account history which I just received on XX/XX/XXXX. In looking at the statement there are {$11000.00} in debits from my account in XXXX, {$2100.00} in XXXX and {$1000.00} in XXXX none of which were made by me since I had no access to my account whatsoever until XX/XX/XXXX when they finally sent me a new card. So I am filing a claim for {$20000.00} to be returned to me with interest of 3.0 % compounded daily. 

In speaking with reliacard today she let me know she found two other cards that I had never seen, one ending in XXXX and the other in XXXX. The XXXX one was opened on XXXX and closed XX/XX/XXXX and had over 500 transactions on it. She would not tell me what address they had sent them to. I tried to get her to file a fraud complaint and she refused.

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 2021-10-13
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-10-13
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I accepted a promotional offer from Citibank, N.A., for a " Flex Loan '' for the terms of 24 months at 8.99 % in the amount of {$2400.00}, with fixed monthly payments of {$110.00}. 

On XX/XX/XXXX, Citibank moved my account balance in total ( {$2400.00} Flex Loan + {$2300.00} revolving balance ) from a promotional APR ( previously unknown to me as my account balance is paid in full monthly and no interest is ever charged ) to the standard purchase APR of 19.99 %. 

On XX/XX/XXXX, a payment in the amount of {$3600.00} was made to account by due date. The amount was intended to cover the previous statement balance of {$3400.00} + {$210.00} toward the {$2400.00} Flex Loan balance, with 8.99 % APR for 24 months. 

On the statement dated XX/XX/XXXX, I have been charged interest in the amount of {$59.00}, despite revolving balance being paid in full each month and agreed to Citi Flex Loan terms of {$110.00} ( I have been paying more than this amount ). 

Citi is charging interest at 19.99 %, not the agreed to promotional terms of 8.99 %. 

This case of deceptive advertising and lending practices is unacceptable.

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