BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried to purchase a computer for my child in best buy, when I never received the product, I called best buy and was told it had been delivered. I let the rep know i never received the product. upon checking best buy informed me they had made a mistake and sent the product to the wrong address. that they would issue a refund. its been over a year and im still having issues.

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 2019-09-24
Company: AES/PHEAA
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have made numerous requests to my mortgage company over the last year to send me ( on paper and signed ) the amount of money I need to send them in order to pay off my PMI..Not only have I never received this but I was told last week that they do not have to send me it in writing or email.I have also been told that no one at this company is really familiar with how to do this- paying off PMI 'S. This is a simple request -I am at a dead end after speaking to the Supervisor last week -XX/XX/XXXX- Her name is XXXX XXXXThank you !!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday ( XX/XX/2019 ) I was sent a {$36.00} XXXX payment from my partner, and made sure my funds were available in USAA. I submitted my XXXX XXXX credit card payment for {$36.00} about 20 minutes later. Everything was fine - Everything showed {$0.00} in my account, sounds good right? 

Wrong, I had pending transactions that were taken out out of order to ensure that I incurred fees. These have not posted in order, and this payment was submitted 5  days ago. I've now incurred late fees from USAA and XXXX XXXX. 

USAA has been increasingly showing similar banking traits as XXXX XXXX - weird processing times for payments, significantly out of order, they seem to be in an order to cause me fees on purpose. 

I am fighting this because I had insufficient balance for a payment before. I made absolutely positive that I had the available funds before submitting this second payment. 

I've attached a screenshot, and you can see how USAA decided to post these transactions to let me know if it's weird. They appear to have taken out all of my payments before deciding to process incoming money from days beforehand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Google Compare Credit Cards Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My husband send money through Google Pay and Google Pay XXXX XXXX deposited the money on Monday but withdrew the money on Tuesday and is now playing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America has called 50 times in the past 30 minutes on XXXX-17. I am at work and they did leave one message on my cell phone. I pay this bill every month I am not behind. It was charged off, but in agreement to pay 10 % of the balance each month and I do just that. There is no need to call me 50 plus times in a row. I blocked their call just so my phone would stop buzzing since they call every 20 seconds.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  has a collections acccount open in TransUnion and XXXX but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.

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 2019-09-24
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Conns is reporting this high debt thats not owe please remove this debt this is definitely identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2019-07-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX took the car after receiving a payment that month - by coming onto private property without Police. They claimed that Pennsylvania does not required it. To date- they are reporting the vehicle debt as new and regularly report late payments when the car was taken in XX/XX/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got a payday loan of {$100.00} in mid XXXX from XXXX XXXX I tried to tell them I lost my job due to some XXXX XXXX problems. And I am trying to get the money to pay it back. But need more time they said it is okay then the next day I got a call from the saying if I dont pay it back I will have a warrant for my arrest and will be picked up by the police the next day which has been a day already and no police. Then after that they had someone call and left a voice mail on my phone saying they where calling from a district general attorney office in XXXX so I looked up the person name and that person does not have a office in XXXX they have a office in another state and when I try to call that number back it says it is a non working number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: I.C. System, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I discovered that I.C. System Inc began reporting a collection on my credit report. The collection is on behalf of XXXX XXXX. I talked to XXXX, they XXXX  'XXXX  out the account and notified I.C. System that I do not owe them any money. I disputed the collection on my report. After 10 days I was notified that I.C. System had refused to remove the collection from my credit report so I called them to give them the information I was given by XXXX. When I called I.C. System I talked to a representative name XXXX XXXX employee number XXXX and told him that XXXX  had verified that I do not owe them anything. The amount in collection is listed as {$280.00}. I gave Mr XXXX the name of the contact person from XXXX  who is XXXX and the reference number she gave me to confirm our talk and that I do not owe anything. The XXXX  reference number is {$280.00}. Mr XXXX told me he would file a dispute. Today I received the result s of the dispute which said they would not remove the collection from my credit report. This is false reporting. 

In addition, I was not given 30 days to dispute this collection. Had I.C. System follow the required credit collection laws, they would have contacted me, I would have proven that I do not owe the {$280.00}. and it could have been resolved before ever having a collection. 

I have current service with XXXX  and they can verify that I do not owe them for a past due account nor am I late on my current 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 explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.c. System, Inc has reported a derogatory account on multiple occasions with XXXX : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The amount reported is {$88.00}, but has impacted my credit score significantly. 

I have contacted the company via phone multiple times and via US postal service to try to resolve this issue. I do not know what this amount is for or the original creditor.

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 2018-03-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
For the past year, I have been applying for a military deferment due to my XXXX XXXX status. Navient has consistently said that I am not serving in a war, emergency or contingency operation and that how I serve does not quality. It particularly impacts XXXX who volunteer for XXXX XXXX. It seems arbitrary and a means to not give military deferments to those of us in uniform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I already filed a complaint that TD bank closed my account and never gave me the funds that were in the account which was a large amount. Approximately a litte less than {$28000.00}. TD banks respond was that they will return the funds to Sba because it came from a ppp loan.its been over a month since td bank answered my complaint and over 5 monhs total that they been holding the funds. I reached out to sba to find out if they received the funds from TD Bank and they said No.i also reached Out to td bank specifically to the Person that responded to my complaint but i Got no response at all. SO MY COMPLAINT IS THAT TD BANK Is HOLDIND {$28000.00} OF MY FUNDS FROM MY BANK ACCOUNT THAT THEY CLOSED SINCE XX/XX/2021. I AM ATTACHING THEIR RESPONSE TO MY PREVIOUS COMPLAINT RELATED TO THIS COMPLAINT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
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:
I contacted Experian in XX/XX/2021 and let them aware that I did not live at XXXX XXXX XXXX XXXX  XXXX, Texas XXXX. XXXX and XXXX do not have this address listed at all. The representative told me that the address will be deleted off of my credit report. It has not been deleted.

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 2019-09-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Citi bank unlocked my account after I filed previous complain # XXXX, however I never receive a new debit card as they promised. For safety concern, I began to use the money in account by check. And I noticed they charged me service fee from XX/XX/XXXX for $ XXXX ( total {$36.00} ).  Since I don't have the debit card, I can't do anything to the account by myself. Then, I called the customer service to help me close account at around XX/XX/XXXX. They agreed to waive the other {$12.00} service fee on my account to close the account at that time. But when I called to confirm today, they told me I have to login in to my online account to verify some information before close the account. And there is a - {$34.00} balance on my account. I wonder how I can log in to my account, if you fail to mail me my debit card.

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 2021-07-21
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : ADVFINSRVINC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing incorrectly handled my extra escrow payment putting the entire amount sent for escrow into my principal. I sent two checks by mail. I indicated on their form where the funds were to be applied to. Rather then read the form to see where the money was to go, funds were sent directly to my principal. I was told that the customer service don't read the forms and just put all incoming funds to the principal. I still have a shortage and think it would be feasible to comply with the paying customers request. 

I believe, based on calling over the past week that the bank 's process center is intentionally not making the correction in a timely manner. I have called customer service and management. I am told the problem will be corrected in 60 days. To me 60 days is too excessive. My statement detail incorrectly showed the balance of the escrow still showing a shortage. I would like this matter to be corrected ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX has a collections acccount open in XXXX and Experian but not XXXX. This is not a accurate reporting since there are inconsistencies in the reporting. This is effecting my financial reputation and causing me alot of distress. I request documentary evidence and a investigation to disclose any proof of my obligation and commitment to pay this alleged debt. Also I demand this account to be removed from all three bureaus if any documentary evidence can not be found.

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 2018-03-14
Company: Coastal Credit, LLC
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: Account information incorrect

Complaint:
I had a car loan with Costal Credit LLC, I was hit by a XXXX XXXX XX/XX/XXXX. XXXX XXXX paid my loan off to Costal Credit LLC and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get Costal Credit LLC to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX XXXX The accounts total balance was XXXX XXXX PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had been paying XXXX XXXX XXXX for 1 1/2 years. Till I received back 2 months payments saying another collection agency had bought my account. ( ERC ) They automatically started reporting negative on all 3 credit agencies. ****WAS NOT AWARE OF MY RIGHTS****** I sent ERC a certified letter of validation. What they responded back with is NOT in anyway 1 ) validating the debt is mine 2 ) And or in any shape a validation of prove of the charges. They are charging me a one time {$600.00} fee and a total of {$5500.00} They are not even deducting all the payments I made the last 1 1/2 years!!! TOTAL RIP OFF!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello ; In XXXX and XXXX I made many payments to clear up my credit. One of my collectors was Comenity Bank holding cards for ; XXXX, XXXX, XXXX XXXX XXXX was paid. 

I am using a credit repair company and under Comenity, my accounts are listed as " CLOSED ''. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX , XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$420.00}. 
On XX/XX/XXXX I got a letter from XXXX, XXXX XXXX XXXX acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$640.00}. 
On XX/XX/XXXX I got a letter from XXXX XXXX XXXX XXXX XXXX of IL acting on behalf of " XXXX XXXX XXXX , XXXX Collecting for Comenity Bank for {$520.00}. 

These accounts I paid and are closed. I believe these accounts may have been sold to another collector at this point. These items should not be returned to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXXXXXX XXXX, XXXX  XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the XXXX major credit bureaus and found that this CAPITAL ONE was reporting to be negative on the XXXX Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE XXXX )

Company response to consumer: Closed with explanation