BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: CITIBANK, N.A.
State: NY
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:
My citi bank ( Double Cash ) accounts in good standing were closed due to the company deciding to close the account based on credit report. 

After the account was closed, all refunds came back to the card was not issued back to the card holder. After contacting and requesting the refund to be back to the account holder, it was forcefully applied to the closed account balance. 

I have requested the refunds that I have received from merchant because of covid-19 to be sent back to me via ach or check. 

The citi bank have forcefully declined to send refunds and applied to closed 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 2019-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX-XX/XX/XXXX - When trying to downgrade my XXXX package to an internet only package at a price of {$64.00} I was instead signed up to a TV and Internet package at a cost of {$100.00} without my consent or knowledge. 

XX/XX/XXXX - XX/XX/XXXX - Once I realized that the incorrect amounts were being charged I instructed my bank to block all payments to XXXX. 

At the same time I called XXXX and requested a copy of my upgraded contract. The customer service representative told me that they had a new contract but they had not received a signature or endorsement from me so it was invalid. The issue was escalated and I was told that I would receive communication within 4-5 business days. 

I did not receive any further correspondence, instead I noticed on XX/XX/XXXX that the amount of {$300.00} had been placed on my credit report under Diversified Consultants. 

The {$300.00} relates to an amount for TV and Internet Services that I do not owe as the contract was fraudulent. It also included an amount of {$100.00} for early termination of the contract ; again I had not agreed to this fraudulent contract. It also includes and amount for unreturned equipment ; I returned the equipment to my local XXXX store and the employee had noted it on the system. When I called XXXX the customer service representative told me that they had in fact received my returned equipment but had charged me the extra fee anyway. 

It appears that the XXXX employee with whom I spoke to downgrade my contract took it upon themselves to instead upgrade me with an extended 2 year contract. 

It also seems that XXXX 's business model is to charge false fees with the hope that customers pay without checking what the fees relate to. I had no way of accessing statements once my account was closed and the only detail was the total amount due. I have been horrified by XXXX 's fraudulent actions and I want to escalate my concerns so that an investigation can take place. I fear that XXXX have been committing theft/fraud on a grand scale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: Southwest Credit Systems, L.P.
State: PA
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:
This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX  is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX Navient add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer XXXX  my location and area operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am really confused as to how I was reported late and I found out a charge was added to my account on a card that I never really use. I got an alert that I was reported late and I immediately paid the card. I am not sure how I overlooked this and can assure you that it was an isolated incident. This was a business credit card with XXXX  and I travel a lot for work so this might have slipped through the cracks. I have never had a late payment ever, I have had perfect credit for years and because of this charge added to my account that I was unaware of, it has changed. I can promise you that this is not like me and I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rec 'd letter from Ditech Financial LLC, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, dated XX/XX/2018. They are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. The Ditech Account Number : XXXX. 

I am not the XXXX XXXX. XXXX they are searching and am irritated by Ditech 's tactic to send this notice to all XXXX XXXX. XXXX in the hopes of finding the right person. I am now having to spend my personal time to confirm to Ditech they have the wrong person due to their tactic and incompetence. 

Therefore, I am requesting Ditech to cease further communication with me, and want Ditech to send me a check for {$54.00} ( my hourly wage ) for my time and effort to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Stevens Business Service, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/XXXX I received an email from chase bank in response for a new debit card. I called chase bank customer Sevice and advised them that I received such an email and chase bank ask me to go personally to the branch to report any fraud. On that same day I went to XXXX branch of chase and spoke to an employee named XXXX and he let me spoke to fraud Dept and just advise me to forward the email to XXXX and stated I dont have to do anything. 
On XX/XX/XXXX when I checked my balance my two accounts both checking and saving account was withdrawn in the amount of XXXX XXXX from checking and XXXX from savings Acct. I called chase bank as soon as I found out and filed a dispute about the incident. 
On XX/XX/XXXX I also went to XXXX chase branch to complain and informed them that there were two withdrawals and we found out that transactions were occurred at XXXX XXXX XXXX XXXX, XXXX, nj. On that day The funds were returned temporarily. 
On XX/XX/XXXX I received a letter from chase indicating that the funds thats were returned has been reversed and that chase bank claimed that the withdrawals were made with a chipped card and the return would not be honored. I called the claim dept about this matter but unfortunately they just told me that the card will be impossible to be tampered since its a chip to chip basis. 
On XX/XX/XXXX, I decided to go to the police station and report the incident because my Savings account turned all into negative. 
On XX/XX/XXXX, I recieved a final report from the assigned detective for my case and he exhibited a report based from the video surveillance as an evidence that it was not me who withdrawn the money. I sent The report to chase claim department on that same day but unfortunately the case was still denied and did not honor the report. At this time chase bank has been charging me of XXXX dollars fee for not maintaining the balance and on top of this my checking and savings account are currently negative. 
I am sending this letter to your office to let you know and asking for help since I am a victim of this criminal case and that chase bank has never honored all my evidence since I had received the email despite all the eveidence I had provided. I do believe that my case was not investigated in thouroughly and in a fair manner. Chase bank should have the reponsibility to protect Their consumers. I do believe this is negligence on the part of chase bank by giving my information to this thief without asking proper identification and without giving me proper notifications. 
I am asking for your assistance in this matter and I am hoping that I will have justice in this case. 
Thank you and have a blessed new year Sincerely yours XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05
Company: SLM CORPORATION
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated harassing phone calls from Sallie Mae to pay a student loan debt that my daughter is paying ( barely, as it is a large monthly percentage of her salaried income ). It is true that she is close to default but she keeps paying in order to be not in default. I am a co-signer so I receive harassing calls all the time as well. She has tried to set up an alternative relief plan but we were denied because we somehow " make too much money '' despite both being barely able to afford this. The most egregious of the phone harassment offenses comes when they call my physical NEIGHBORS. They do a phone lookup of the homes that are on my street and call all those people asking to speak to me or my daughter. Now my neighbors all know my daughter and I are having trouble paying her student loan back. This is a violation of the Privacy Act and it is completely unacceptable. Sallie Mae must be prosecuted for this, cease all such activity, and stop harassing me. We will continue to pay our loan debt as best we can to avoid default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Nelnet, Inc.
State: TX
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 am XXXX. My student loan was forgiven in XX/XX/2015, Since that time and earlier, I lived on {$750.00} per month social security and SSI XXXX per month. Nelnet is trying to collect my forgiven loan by stating it was re-instated. My income did not increase more than {$5.00} over the years. Every since my loan was forgiven scammers have tried to collect it from me and of course their interest is astronomical. I went to Nelnet 's website to complalin and they require a social security number. I am not giving my social security number to anyone. My doctor has filled out additional paperwork to prove I am XXXX no less than 3 times. I refuse to ask him to do so again because it does no good. How can a loan be forgiven, then out of the blue be reinstated? It was forgiven! I am still XXXX. No cure has been found! I have XXXX XXXX. 
Here are their addresses : 1. U.S. Department of Education Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX 2. XXXX XXXX XXXX TX XXXX XXXX and XXXX XXXXXXXX Then, XXXX XXXX XXXX All of this in one letter to me. I feel I am being harrassed for the 20th time from someone trying to get money out of me. That loan shows paid on my credit report and I don't want these people changing that. All these years I have lived on the little cash I had except for my car loan and I don't want them messing up my credit. Please help me. I do not want to make my doctor fill out paper work for this forgiven loan for the 4th time. The student loan webiste says 3rd party collection is not them. I refuse to give someone I do not know my social security number. I have been hacked more times than I can count. Can you please resolve this. There is no good reason my forgiveness should be changed. If forgiven, isn't it forgiven? Thank you so much for your time. I feel those of us XXXX are constantly being harassed for student loan money. Seems too that our forgiven loans keep getting sold to different scammer pennys on the dollar. When I was forgiven, I believed that to be true. It was at one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AES/PHEAA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report is being negatively affected by 13 total late payment indicators on 3 separate student loans I have with XXXX XXXX XXXX. The loans were always in good standing for years before these reported months and are in good standing now since 2016 when these payments were reported late inaccurately. Its my belief that the loans should have been in deferment at that time or if they were not, I was not properly notified that the payments needed to be made. Even though fed loan servicing is reporting the late payments they refuse to remove them but suggest that I ask the credit bureaus to remove them as a courtesy. But they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I contacted XXXX XXXX today XX/XX/2019 in efforts to correct an issue with them adding negative remarks to my credit report in regards to my balance. i explained to the representative the issue who in turn was able to locate the origin of error. The representatives name was XXXX, Who gave ID XXXX. He was supposedly a supervisor. He was very rude and inefficient. Only after reminding him several times that He wasnt addressing my question did he actually begin to review the account in full to find the error. he said that my loans had been capitalized and this caused remarks of outstanding balance/increase to be listed. I inquired about what could be done next to correct the error and he essentially said that there was nothing I could do. When i explained that I wanted to speak to someone else he refused. he even said that he would not transfer me. I reminded him that this was not about him personally but my pursuit to get definite answers and solutions. XXXX continued to refuse to connect me with someone else. He even went as far as to say that he was the highest person the issue would go to and that there is no one else that could help me or resolve the error. I was angry and I did call him an XXXX. But only after respectfully requesting someone else while being overtalked and being told casually that what I was saying didnt matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: CITIBANK, N.A.
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: Problem with personal statement of dispute

Complaint:
Sears has no proof what so ever I made a debit with them. If they investigated they can show me where I signed or authorized anything form them. I did not make this debit. They did not investigate anything. Several people have my SS number and have used it. Not me and one went to jail. 
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 2019-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Transaction from XXXX on XX/XX/XXXX an online order for pickup was placed for {$170.00}, the item was for a car seat system. When I went to the store they tried to sell me a used item, I cancelled the order pick up and never received a return. Capital one stated XXXX said I made the online order and never sent them proof that I even picked up the order or returned the order. Capital one has refused to investiage any further and sided with XXXX. XXXX never gave me a return slip since I cancelled the pick up and I would receive an email. I do not have the car seat system and XXXX states the return was processed and capital one needs to return the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice in the mail of an old debt for XXXX for an outstanding bill dating back to 2006. The notice is a settlement offer of {$100.00}. The statute of limitations has passed to collect on a debt this old. I called the company and informed them of this. The customer service representative placed me on " hold ''.

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 2021-07-16
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX XXXX has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: FL
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:
Please deleted this incorrect information.I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX  Account number : XXXX Amount : {$30000.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$250.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$98.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$21.00} XXXX SELF-REPORTED Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX SELF-REPORTED Account number : XXXX XXXX XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.

Company response to consumer: Closed with explanation