BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am struggling to pay my mortgage. I have enlisted the help of a realtor to sell my property via short sale. They have sent the offer and all required financial documentation to HomeLoanServ multiple times, to multiple fax numbers and email addresses, since XX/XX/XXXX. Still, HomeLoanServ has yet to acknowledge receipt of the documents and begin the short sale review. Each time they are called, they give a different fax number or email address. On XXXX the complete package was emailed to XXXX and XXXX. On XX/XX/XXXX we received a request from " XXXX XXXX '' of HomeLoanServ to resend some documents, which were promptly returned to him at XXXX, but he never replied. By XX/XX/XXXX the customer service reps advised that they did not have any of the documents, which is different that what was received via email from XXXX XXXX, and asked us to resend all documents. On XX/XX/XXXX they were faxed to XXXX and XXXX, and emailed to XXXX. As of XX/XX/XXXX they claim to still have received no documents, so the entire short sale package was sent again to XXXX and XXXX, and emailed to XXXX as well as the new email address give to my agents of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Credit Adjustments Inc
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Debt was paid in full on XXXX/XXXX/16 ( see attached e-check receipts ) however it continues to be reported as an unpaid collection debt to the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 an account with XXXX XXXX XXXX. During this pandemic I had lost some income due to loss of some work. I called XXXX XXXX XXXX and was told I can go on a smaller monthly payment and lowered interest rate for XXXX months. I agreed and as well I happen to make more than the minimum they had wanted. In XXXX they reported my account XXXX days past due. I called again and was told that the promotion was over and I was back to my regular monthly payment and higher interest rate. I had requested if they can extend this program and also mentioned that I was told it was for XXXX months. We weren't even near the XXXX months. I made the payment they wanted and requested to please remove that XXXX day late payment off my credit reports as I have had a good reputation with this card. I submitted this dispute well over the time frame allowed. Today I received an updated credit report from transunion and it is still appearing on my report as an adverse account which is affecting my credit score. Lack of communication had caused this problem if I had known they were not going to extend it for the full XXXX months like the customer service rep had told me I would have found a way to make sure the higher amount of payment would have been made.

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 2020-05-18
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company is GLA collections and the debt owed on my credit report is XXXX. I did call to ask about the debt to be takin off my credit report but for some reason they say it cant be. The date they have it open is XXXX of XXXX. I was XXXX from XXXX. I havent been to a hospital since last year when I had a XXXX. Prior to that I could actually speak on when I went. I dont understand how these debts continue to pop up when they are more then 7 years old. I have disputed many times and somehow its not been takin off there. I attempted to call just to try and make some kind of pmt plan to have it takin off there unless paid in full they would not. All Im tryin to do is get my credit in good standing. I believe it should be takin off my credit report. There was several more on there that was disputed and removed but the way they talked they would just reopen and have them put back on my credit report. Its now XXXX and Ive not been to any hospital. So some of these debts they have are while I was XXXX  and thats not possible. They should be removed and stay removed. I dont see how a debt can continue to be reopened or put onto my report after Ive continued to dispute the items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIBANK, N.A.
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:
Regarding Dispute XXXX. 

Citibank is in blatant disregard of Regulation E and has not provided my account provisional credit related to a credit card dispute, within 10 business days. On XX/XX/2021, Citibank sent me a letter stating the following : " A review of our records indicates while investigating your dispute, we inadvertently issued two conditional credits for this charge. To correct this error, an adjustment to reverse one of our credits will appear on a subsequent statement. '' The above statement by Citibank is inaccurate and I was not issued two conditional credits in error. I have two charges for {$820.00} to XXXX XXXX XXXX on my credit card account and neither is authorized. 

I have tried to resolve this error with Citibank on numerous occasions through contacting them by phone and email. Each representative I have spoken to on the phone has advised they also agree the provisional credit should be reapplied and they'd get it corrected. 

My contact with Citibank is outlined below : On XX/XX/2021 - Called Citi to as when provisional credit would be re-added and was advised it would be corrected. 

On XX/XX/2021 - Emailed Citibank to follow up on error. 

On XX/XX/2021 - Called Citibank and again was promised the error would be corrected. 

On XX/XX/2021 - Emailed Citibank stating the error has yet to be resolved and if the credit was not received, I would file a complaint.

After four attempts to rectify this issue, Citibank has not applied a provisional credit to my account and is in blatant violation of Regulation E. Citibank has shown a deliberate disregard for Regulation E and their dispute department is either understaffed or undertrained.

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 2020-12-08
Company: TCF NATIONAL BANK
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:
On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that the account is fraudulent. I'm a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of XXXX  data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.

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 2021-06-22
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
XXXX, XXXX  and Experian removed my XXXX  XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting 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 explanation
Consumer complaint received 2019-08-11
Company: Specialized Loan Servicing Holdings LLC
State: GA
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:
We sold this residence on XX/XX/2019. 

My credit report still reflects and open loan balance of {$120000.00}, and 2 late payments which were brought current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I filed a complaint against capitol one XXXX XXXX card ( original complaint at bottom ) at the start of the new year. This was with you all, as well as the XXXX XXXX XXXX. They quickly responded with the XXXX that this issue would be communicated with the CFPB, and it would be resolved swiftly and with ease. 

However, my last update was from XX/XX/XXXX and since then I receive nearly - daily phone calls, texts of voicemails and voicemails from the company, debt collector XXXX. XXXX has grown so aggressive as to leave me profane, abusive and ugly voice mails which have sometimes been so nasty as to be illiterate. 

The company has sent me counselor extensions and resolution opportunities, but when I have called I have received dead links, wrong extensions or otherwise inappropriate methods of communications. Every conversation I have had trying to resolve the issue ends with threats, strong arm tactics, general co - ersion or just XXXX XXXX XXXX. 

I am quite frustrated and quite unsure of my rights and options. Any assistance in the matter is appreciated.

********** original complaint *********** Consumer Information Name : Mr. XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Daytime Phone : ( XXXX ) XXXX Evening Phone : None Provided Fax : None Provided Email : XXXX XXXX XXXX XXXX Name : Capital One Financial Corporation Address : XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Complaint Details Capital One XXXX Rewards Card Paid bill XX/XX/XXXX. Scheduled payment three weeks ( approx ) ahead of time time via phone app AND phone call. payment processed by XXXX on phone app, phone call, and bank website thus credit was restored. Payment was processed for XXXX and XXXX. Used credit card during weekend for a holiday trip and twice or thrice during the week. Attempted to use credit card for XXXX XXXX holiday, declined. Payment was actually returned ( but no money credited to either debit or credit account, thus robbed ), with a higher debt rating than previously before the payment ( thus robbed again ). Payment also due again for XXXX and XXXX thus robbed a third time, feeling extremely swindled and cheated despite being a loyal customer with either a consistent track record or complying with creditors. 
My complaint concerns : a Credit Card Desired Outcome/Settlement Desired Settlement : Billing Adjustment Acceptance of previously posted ( 3x ) payment. 
Complaint Details Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Purchase Date : XX/XX/XXXX XXXX XXXX  Salesperson : None Provided, XXXX Complaint Details ( cont. ) Product/Service : Credit Card Payment Scam Model # : XXXX Account # : XXXX Order # : None Provided Purchase Price : XXXX Payment : In Full Debit Card Disputed Amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 XXXX XXXX XXXX XXXX, VA XXXX XXXX Problem with Portfolio Recovery Associates for allowing incorrect information to show on my credit report. According to FCRA section 609, when the consumer disputes an item and request for the original contract with my signature to be produced to me to prove the ownership of this fraudulent accounts. They have 30 days to produce and they do not produce contract with signatures, but allow these accounts to stay on my report. I have written and disputed this produce and no correction has happened.

1 ) Portfolio Recovery original creditor XXXX XXXX  {$1200.00} 2 ) Portfolio Recovery original creditor XXXX XXXX {$420.00} 3 ) Portfolio Recovery original creditor XXXX   XXXX $ {$540.00} I have not done any business with this company Portfolio Recovery A. 
Thus I am requesting an original contract with my signature and date. If they can provide it these three accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX at XXXX XXXX my daughter informed me that some one had come to the apartment unit ring the door bell pounding on the door and saying he was the XXXX County Sheriff and had papers for me, and on XX/XX/XXXX again this time much more aggressive this person I was told by my neighbors about XXXX XXXX everyone in the building door bell was ranged disrupting there life, I was told this person was literally banging on the door with a great amount of force, they thought it was some type of altercation or something this went on for serveral minutes disturbing the peace, one neighbor informed they had called managment to see what should be done. Also I was told by my neighbors this is not the first or second time they have come the this building with this inappropriate behavior banging on doors and ring others bells, I feel this is an form of harassment for a credit card debt of {$2400.00} I do n't even know what credit card it is, can you please please help me with this issue, I did go to the local XXXX county sheriff office, I was told it was not from there office, also I was told, whom ever it is posing like XXXX county sheriff deputy and flashing a gold badge dressed in all black clothing saying sheriff office they need to gain entry to the building, if this is not a criminal matter involving the real XXXX county sheriff office coming to my family home involving all the neighbors this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for Equifax , XXXX , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted Equifax, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Receivables Management Partners, LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX  and and the company claiming I owed them but the bill was covered and paid in XXXX of 2017 and should have NEVER been placed in collections. I even submitted copies of th XXXX  showing XXXX already paid it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: ENCORE CAPITAL GROUP 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:
XXXX  is not reporting this account with XXXX store card as a paid and settled account. Paid charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: IA
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:
Experian and XXXX have kept this negative XXXX collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other XXXX bureaus as experian also is showing it as a charge off and XXXX  shows it as a closed account which is innacurate and needs to be 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 2019-08-12
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:
I'm having a problem removing fraudulent information from my credit profile, that is recorded with experian, XXXX, and XXXX. I was XXXX in XXXX for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.

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 2020-12-08
Company: REGIONS FINANCIAL CORPORATION
State: LA
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:
I was a victim of fraud. my account and card was hacked. I reported the claims but my fraudulent transactions disputes claim was denied. They said they investigated XX/XX/XXXX XXXX XXXX*XXXX  XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Total of {$1200.00}

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 2017-12-17
Company: Prosper Marketplace, Inc.
State: NV
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:
XXXX in XXXX XXXX is on my credit report - do not recognized this company XXXX XXXX in XXXX XXXX is on my credit report - did ant apply for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: AL
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 check my credit score every month on XXXX XXXX. For as long as I can remember now my credit score has been at XXXX or XXXX. I get an email from XXXX XXXX a few days ago saying my score has dropped. I log on and to my surprise my score has dropped by 107 points, I was devastated by this news. I had no idea what could have caused this drastic and sudden decline. I havent had a loan or credit card in several years and my score has remained the same. I never missed or was late on a payment on neither my car loan nor my credit card. The only thing I seen that was different was that from my XXXX credit score to my XXXX credit score was that I had two auto loans that went down to one. Ive never had any more than one auto loan and like I stated previously its been a few years since I paid it off. Any help with this situation would be greatly appreciated.

Company response to consumer: Closed with explanation