BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX - Another person took out cable service under my name and in a different state. I have completed/signed and sent an affidavit with the creditor. Filed a local police report. The creditor just made there third attempt with another collection agency ERC - XXXX, FL. 

XXXX XXXX XXXX Ignores the law ... .. Simple : take legal action and receive a court judgment if I am accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: GA
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:
My complaint is against EQUIFAX! On Monday I filed an online dispute with Equifax to have unauthorized inquires removed. Because I've had issues with them in the past taking actions which I didn't request I called them today ( Thursday ) to make certain that they hadn't placed a Fraud Alert on my credit file. In XXXX of this year I sent them a FAX verifying my identity in order to have them answer my question as to why my credit card hadn't been added to my credit file. They ended up sending me a copy of my credit report though I never requested that they do so! 

Today when I called I was again subjected to their asinine questioning to prove my identity. Whenever I have prove my identity over the phone with XXXX or my banks, I never have the unfortunate drama which I have with Equifax! I was forced to send them a FAX again to prove my identity and was told I would have to wait 7 - 10 business days for them to get their act together again to address what should be a straightforward and simple solution. 

I have four trade lines on my credit file. Two are authorized users from my mother 's credit cards, two are my own credit cards. I don't ask that my mother share with me her credit card payment information, so I didn't answer those questions at first, however, when I checked what was on my Equifax file and answered the questions I was still told I didn't answer the questions correctly. I seriously doubt they wanted to provide a reasonable method to verify my identity over the phone. 

That Equifax is based here in XXXX and that I a native of XXXX have to speak with call center representatives based in the XXXX concerning uniquely U.S.A. consumer credit issues is ridiculous. I'm a businessman who relies on my good credit for the growth of my company. That an incompetent group like Equifax has their cumbersome hand meddling in my financial affairs is criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
See ALL Previous Complaints under XXXX XXXX XXXX. Capital One offers a cash back credit card, " XXXX XXXX '' My elderly XXXX was owed in excess of {$240.00} back in XXXX of 2020, when her credit card expired. Capital One customer service, said they would send a check minus any outstanding balances. There were XXXX recurring charges that we had stopped XXXX and XXXX XXXX in XX/XX/2020, and charges were reversed. Both companies stopped their recurring payments. 
So almost a YEAR LATER Capital One has not provided a " cash back check '', seems to be false advertising, and continue to assess late fees and interest on a NON EXISTING ACCOUNT. Capital One OWES MONEY TO US.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-02-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I got served with a summons ( no court date ) by plaintiff and debt collections agency, XXXX XXXX , XXXX, stating that I owe them over {$17000.00} in damages from a student loan opened in XX/XX/XXXX for The XXXX XXXX of XXXX ( branched from XXXX XXXX XXXX of XXXX XXXX XXXX ). This is the first I have heard of XXXX and this loan, which prompted me to do research, initiate XXXX XXXX, and reach out for help ( I have notes of companies I traced back to as well as names of individuals I spoke with ). The complaint included a copy of a Loan Agreement with my signature, but once again, I have no recollection of this document ever existing. The XXXX XXXX have all been shut down due to a lawsuit against XXXX ( XXXX XXXX XXXX ) involving fraud in their financial department, and I believe it may be tied into all of this. XXXX itself is nonexistent on my credit reports but previous holders, AES ( American Education Services ) /XXXX, are. I have been given different information each time I spoke with AES except : the AES/XXXX account was opened in XX/XX/XXXX then closed in XX/XX/XXXX, which they say was when I last made payments ; however, I have not made ANY  payments to this account whatsoever! I only have two loans, both for XXXX XXXX XXXX of XXXX : one private ( XXXX  ) which was charged off, and one federal ( XXXX ) which I am currently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Company 's keep saying I'm apparently things the only place I applied was XXXX XXXX XXXXXXXX. The other i have no knowledge of

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 2021-02-09
Company: AmeriHome Mortgage Company, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to covid-19 pandemics my wife and I are struggling with fiance. We both have been unemployed during 2020. For a duration of time. My wife is still collecting unemployment because the school she is employed by is struggling severely it self. I have gotten my salary slashed by 50 %. Leading to financial burdens. Amerihome mortgage company are remorseless. The constant abuse of phone calls during working hours. Paper trails of bill notification s. No response to emails. Not collecting partial payments. Mortgage company must have payments in full. No help to help save us from loosing our home. I just want to be rid of this mortgage company that brings me to XXXX and XXXX. Anger to no end of loosing my mental health. Is there a way of transferring my mortgage to a different lender?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: MOHELA
State: AZ
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:
Essentially I dont have the funds available for room and board and I essentially borro0wed enough to deal with this issue and nothing is being done about it in fact i feel my civil rights have been obscured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a citi credit card with a flex loan balance ( maturing XX/XX/XXXX ) and a zero percent interest balance on it ( zero percent expiring XX/XX/XXXX ). On XX/XX/XXXX I had enough cash on hand to pay off the XXXX balance portion and submitted the payment through their online portal. The online portal has payment options that are : 1 ) Minimum due This is the amount that is scheduled to be paid by Autopay on XX/XX/XXXX, and includes your monthly Flex Plan payment. 
2 ) Adjusted New Balance + Flex Plan Monthly Payment This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 
3 ) Last statement balance This is the amount you owe from your most recent statement dated XX/XX/XXXX, and includes your Flex balance. 
4 ) Current balance This is the total amount you currently owe. 
5 ) Custom Amount I select option number 2, which according to the description should have paid off the zero percent interest balance on my card so I would then only have the remaining flex loan payments left. My payment was processed for option number 2, however Citi did not pay down the balance on credit card but instead paid down the flex portion of my loan. I contacted customer service on XX/XX/XXXX to have this corrected however i was told that they are unable to do that, the only option was for Citi to reverse the payment and charge me a purchase APR on it. I pointed out to them that their payment section of their website was misleading and their response was the terms of the flex loan state how payments are processed. While this may be  true, the payment section of the website is directly contradicting this. I am now in a situation when my zero percent interest expires in XXXX I will be paying a 19 % interest rate even though I attempted to pay off the balance in XXXX following the instructions on their website.

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 2018-05-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 Thumb cellular sent me a letter saying I owed XXXX dollars. I started sending them payments. They said they wanted the full amount paid by XX/XX/2020. I responded to them, asking for a copy of my contract. I got the contract and then responded back to them saying there was no stipulation in the contract saying I had to pay in full by any date. Them I got a letter from CBM Services Inc on XX/XX/2020, Which is a collection firm. I sent them the same letter. Telling them to get a copy of the contract and read it over. Telling them also there was nothing stating I had to pay this in full all at once. I would continue making payments. I never got anything back from CBM. Now I see they put this collections on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
The short of it is the credit reporting agencies are practicing unfair practices. For nearly 120 days this has been what it has been like for me. My story : Prior to XX/XX/2021 I had 12 or more credit cards, a car loan, student loans, personal loan. And credit card utilization of 70 % at any point and time prior to XXXX. Important note, NO LATE PAYMENTS IN XXXX OR MORE YEARS ON ANY ACCOUNT. 
Late XXXX, I paid all credit cards down to less than 10 % utilization. ALL of them. 

My credit score went up about 30 points on Transunion and XXXX. For XXXX  it increase by more than 100 plus points. Roughly ten days later, for no reason known to me XXXX  change my score to within ten points of the other credit bureaus, reducing the score by XXXX points. Again no change to any account and XXXX  just reduced it. 

Next I paid off my personal loan. No late payments on life of loan. My credit score DROPPED by XXXX points for paying the personal loan off. 

Just to see what would happen, on a credit card with and already 9 % utilization I made a {$40.00} purchase. My score dropped by XXXX points for the {$40.00} charge. 

I paid {$140.00} on the same credit card a few days later. My score did not change at all. 

I next paid off my car loan. My score dropped by XXXX to XXXX points. No late payments. Just paid it off. 

My point is I gain few points for on-time payments. I lose point for using the credit cards even if balances remain below 10 %, and I lose points for paying credit cards or other type loans. 

I can not win. I am a XXXX man. My wife, who is white, paid down her credit card balance but remain about 30 % utilization and she gain several points. Her score is higher than mine right now and her utilization is higher. Her debt to income is higher.

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 2020-05-11
Company: CITIBANK, N.A.
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:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS WERE NOT MADE BY ME. THIS ACCOUNT WAS OPENED BACK IN 2014 ACCORDING M=TO MY CREDIT REPORT, BUT THIS ACCOUNT IS NOT MINE, THIS IS A FRAUDULENT ACCOUNT. I AM VICITM OF AN IDENTITY THEFT THE ACCOUNT AND THE CHARGES ARE NOT MINE. I NEED THIS TO BE REMOVED FROM 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 2017-11-22
Company: REGIONS FINANCIAL CORPORATION
State: MO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.

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 2021-09-15
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a borrower exiting from the XXXX forebearance, my loan is with XXXX XXXX XXXX and I applied for Flex loan modification with my servicer Flagstar. 
I was denied the loan modification, and the language on the denial letter is as follows : " Please find the results of our evaluation of all available loss mitigation options, and the specific reasons you were denied. 

Flex Modification : Your post-modification principal and interest payment can not be reduced by 20 percent. '' The problem is that while the first sentence promises a " specific '' reason for denial - the second sentence give a reason that can not be called specific. Not getting a specific reason for my denial won't allow me to file an intelligent appeal. 

Truly specific reasons for denial of loan modification would be : " too high income '', " too low income '', " too high LTV '', " too low LTV '', " too much equity in the house '', etc. 

I tried to call the servicer many times, they won't give me any info beyond what I copy-pasted above. They promised that supervisor would call me back but he never did. 

Am I entitled to get a more specific reason for denial of my loan modification, so that I can file a meaningful appeal? 

Thank you in advance for your help.

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 2018-05-15
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: CA
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:
XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.

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 2021-06-09
Company: I.C. System, Inc.
State: KY
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:
Filed previous complaint about XXXX icc system complaint cfpb # XXXX asking for debt to be sent back to the original creditor and cease their collection effort the resolution letter i received from icc system stated they would cease communication and and also terminate collection efforts. After the case was closed they have proceeded to continue collection and also added account to my credit reports even though they said they would not continue with collection efforts

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