BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for Income Driven Repayment Plan and have repeatedly stated that my statements have been submitted in time and they will not acknowledge their error in not updating my account on time and that they lost my submissions. They refuse to update my acocunt and keep claiming they can not because it was past the deadline, despite it being submitted before the deadline. They did not let me know it was never received and told me all I needed to do was submit my income and it would be updated. Their company is deceitful and refuses to take accountability for their end of the financial agreement. I sent in all documents on time, it was the companies fault. They will resolve my account or further action will be taken. I have repeatedly and clearly stated the issue and that it was their fault. I submitted everything on time. They lost my fax. They should not advertise that you can sbmit via fax if they will not follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After applying for a loan, my credit was ran and to my surprise there was a collection reporting from a XXXX XXXX  that I had no clue of. The credit bureau has been reporting this under my social security number. Thy are reporting inaccurate and incomplete information. I send them a certified letter in the mail with tracking number XXXX XXXX XXXX XXXX XXXX demanding a validation of this medical account as I have already contacted the medical facility and of course they cant provide the statement at the time. Since they could not provide an itemized statement for the services, they clearly are in violation of the FCRA and FDCPA. With that being said I demanded that the credit bureau complete the investigation of the allegedly medical collection and remove it because the provider can not validate the information being reported 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 non-monetary relief
Consumer complaint received 2018-06-16
Company: Experian Information Solutions Inc.
State: NY
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:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

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 2018-06-16
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed out a debt validation letter to Online Information Services on XX/XX/2018 requesting that they send me a signed contract proving that the account they have listed on all the credit bureaus was in fact my account. They sent me a copy of a bill directly from XXXX XXXX. A bill is considered a verification I did not ask for verification I asked for validation as per the FDCPA, I have the right to request this, which would be a signed contract showing my signature to in fact prove that the account is mine. I have no knowledge of this account and a copy of a bill is not proving that the account is mine. Without validation I am not liable for this account and I am not obligated to pay off this debt since it does not belong to me and there is no signed proof that it does. Below I have attached a copy of the debt validation letter that I sent to them. I have also attached copies of the certified mail receipt and tracking information. I have also included 2 pages of their response that was not validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Coinbase, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a Coinbase account that took {$1000.00} out of my bank account on XX/XX/2021 unauthorized I contacted them about this on the XXXX and they froze my account which I have no access to with a considerable amount of money. They are making no effort to resolve this I was given 2 case numbers the last oneXXXX Im more concerned about getting my account back than the {$1000.00} that was taken. This seems to be a common problem with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a bankruptcy trial in XXXX 2015 which was mostly regarding private student loans. I won the case and had all of my private student loans discharged in the bankruptcy. After several months of monitoring my credit, I saw that XXXX XXXX XXXX XXXX account continued to say " open '' despite having a note that it was charged off as bad debt on my Equifax report. The same account on my XXXX report stated that the account was closed, which is correct. I disputed with Equifax and got a simple repsonse back that they checked with XXXX XXXX XXXX and XXXX XXXX XXXX said the information was correct. This student loan that was legally discharged by a federal bankruptcy judge is over {$24000.00} and is still showing up as of today on my Equifax report as open. It does n't make any sense and Equifax did n't seem to do anything other than take XXXX XXXX XXXX word for it rather than doing independent research ... especially when looking up the court order would be free and easy. 

I am naturally trying to get my credit back on track so I can have a normal life and it is a SLOW process I am learning, but this misinformation is only making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please have equifax delete this XXXX XXXX mortgage acct enclosed is a letter from XXXX XXXX to remove it.you can contact verify this with XXXX XXXX at XXXX XXXX to verify XXXX or by email at XXXXXXXXXXXX. attached is a letter from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: CMRE Financial Services, Inc.
State: CA
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:
To whom it may concern, I recently pulled my credit and noticed a collection with CMRE. I called CMRE to inquire about the collection and was advised theyd delete it with payment. When I called back and paid the collection, I was advised they wont delete it and to add further insult to injury, I was then advised I had additional collections with them that were not on my credit profile. Since I am working on a home loan, in my panic I paid the additional amounts. Keep in mind, I received no phone calls or contact via US Mail with regards to amounts owed. Due to that, I was not provided the full statutory period in which to dispute the validity of the debt ( s ) in question as I did not receive my initial notification regarding the debt per the FCRA guidelines. I would like the collection ( s ) thats paid in full to be removed from my credit due to erroneous, abusive collection practices as it is prohibiting me from moving forward with a home loan. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT IS LISTED AS MY ACCOUNT WHEN I HAVE NEVER SIGNED OR APPLIED FOR THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: JPMORGAN CHASE & CO.
State: NY
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:
please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates allegedly owns multiple collection " accounts '' impacting my credit score. It has been WELL over 30 days since I have disputed the debts, and submitted requests for my original contract with my original signature, an itemization of all billing on said accounts, as well as the the original purchase agreements that show they're the legal owner of the alleged debts, as well as all of the terms and conditions included in their purchase agreements. 

None of this information has been provided to me, and it has been several months since I requested the information and disputed the accounts. 

I receive well over 100 calls a month from varying phone numbers from Portfolio Recovery Associates. They have been early as XXXX, and late as XXXX. They call me on average 3-10 times a day, and most frequently at obsurdly late and early hours. I received one call from thr specifically at XXXX in this past XXXX. They are harassing me for debts they have failed to provide proof of ownership to, or proof of my responsibility for. 

The account totals are allegedly as follows : XXXXXXXX XXXX  {$2500.00} XXXX XXXX {$670.00} Their abusive calling tactics are classified as harassment, and their failure to supply the aforementioned information in a timely fashion while said alleged debts have impacted my credit score, warrants a settlement of no greater than {$1000.00} to be paid to me by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
account : XXXX BofA CC they charged me a XXXX dollar bounce check fee. they are unwilling to tell where this " check '' is coming from. they have hung up on me 3 time. i asked them to reverse the charge and to tell me where the check is coming from so i can investigate. I don't understand why the refuse both my very basic requests. it is especially funny because they say there actually was no check. kind'a a head scratcher ... they need to return the the XXXX, make sure no other fees are going to be charged my account and stop accepting " checks '' from whom ever is sending BofA these thing. still don't know who that is. everything i've learned so far suggests this could be a accruing situation. time might be of the essence. please help, 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 monetary relief
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: OR
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 rewards from credit card

Complaint:
Flights were booked through Citi 's online booking platform and agent XXXX XXXX XXXX XXXX for the amount of {$1200.00} - in the equivalent amount of Citi ThankYou Points of XXXX. 
Flights XXXX on XX/XX/XXXX were cancelled in XXXX by XXXX XXXX XXXX due to Covid19 route cancellation. 
XXXX XXXX XXXX refunded the total amount of {$1200.00} back to Citi 's agent XXXX XXXX XXXX XXXX on XX/XX/2020. 
Until today I have not received the refund from Citi or their agent XXXX XXXX XXXX XXXX and after numerous inquiries I'm being told to wait another 3 billing  cycles until the end of XX/XX/2020 and hope that perhaps the refund by then might show back in my account.

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 non-monetary relief
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Spirit Airlines offers a credit card that goes through Bank of America. The card offers " Zone 2 priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through Spirit website and paid with my spirit credit card. My trips are zone 3 instead of the advertise Zone 2 on all flights. A company should not promote such benefits if they are not able to honor it. I reached out to Spirit about the matter, but no one adequately addresses the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-24
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am very sick an living on XXXX.I tryed to explain this to the people on my credit report but i only get a very small amount to live on. I wish they would remove this items off my credit report.They just keep changing names. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On Sunday, XX/XX/XXXX, credit was denied based on discrimination. Specifically, Citi bank ( Sears MasterCard ) "  escalation specialist ' ( XXXX ) told my husband over the phone that my application for Sears MasterCard was denied based on my XXXX name ( or national origin ) in violation of law. 

I received a letter from Sears MasterCard dated XX/XX/XXXX ( attached ) requesting additional information. 

I responded to the denial and letter with my letter dated XX/XX/XXXX ( attached ). I specifically included identifying information such as, reference number provided by Sears MasterCard in their initial letter, my name, social security number, and contact information. My letter was sent via priority mail with a USPS tracking number. 

Sears MasterCard ( Citi bank ) replied to my letter with their letter dated XX/XX/XXXX ( attached ). Their letter was sent in " bad faith '' asking for identifying information that had already been provided in the letter I had sent to them. It is obvious Citi bank is trying to deter my complaint of discrimination by intentionally not responding to the complaint outlined in my letter.

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 2021-07-11
Company: Paypal Holdings, Inc
State: MI
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:
Filed a dispute with Paypal on XXXX hair company. Although all the evidence was sent in to Paypal, as well as XXXX hair company, XXXX decides to side with the hair company by not ensuring my protection as a consumer. My cancelled purchase resulted in a financial loss in the amount of {$630.00}. In spite of all wrongdoing, as well as consumer abuse by XXXX hair company, Paypal prolonged the dispute time to where the time was also exhausted to complain with my credit union of whom my payment to Paypal was paid through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX XXXX My name is XXXX XXXX XXXX XXXX delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Creditors Bureau Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX ( XXXX  ) has violated the Fair Credit Act by reporting an alleged debt to XXXX. I paid their client the agreed amount on the medical visit. Additionally I sent a request of debt validation to XXXX  and they failed to provide the especfic information requested. Please see attachments included in this complaint. XXXX  reporting practices are in violation of the Fair Credit Repoting Act and therefore they are liable now for reporting this alleged debt. 
Please be aware that at the present time I am on XXXX XXXX under USC Title 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Complaint ID : XXXX Just received first Mortgage coupon and IT STILL HAS ESCROW INCLUDED! Why hasn't CFPB resolved this accordingly? USAA tricked us by including Escrow in an email and saying it is equal to Final Disclosure before closing. 

CFPB has not contacted us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation