BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: I.Q. DATA INTERNATIONAL, INC.
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:
In 2016, a former apartment community, XXXXXXXX XXXX  XXXX XXXX ( XXXX, CA ), tried to charge me for repairs & cleaning after I moved out, without providing me an itemized receipt of these charges. This apartment had burns on the carpets and stains before I moved in and I don't even smoke! They took my entire deposit of {$1100.00} ( 600+500 pet deposit ) PLUS billed me for an additional {$1200.00}. I did not get a " pre-move out inspection '' because I know that I took care of that apartment while I lived there for 2 1/2 years. I attempted to obtain an itemized receipt from the leasing office approx 20 days later and the leasing agent told me they had sent me to collections already and had no receipts to provide me. This debt was sold to IQ DATA INTERNATIONAL INC, who has since increased my balance to {$1700.00}! Charging over {$500.00} in interest on a non-interest bearing account. I never received written notification of this debt, as I moved. I did forward my address as well and have seen this negatively affecting my credit score month after month but never received any proof of the charges. They called me while I was at work, I gave then my current address but told them I needed proof of these charges, and then asked how they can legally charge me interest on this account. XXXXXXXX XXXX XXXXXXXX XXXX ( CA ) is no longer in existence and the apartment complex is now owned by XXXX XXXX XXXX. Today, I called XXXX XXXX to attempt a copy of any receipts they might have. I was told they don't have records prior to late 2016, I gave them my name and they found nothing. There is no proof that I even lived at this apartment complex according to their current records. I should not have to pay for fraudulent charges with no proof they exist, and continue to have this affect my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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:
This is my second request to XXXX  as well as Experian on the XXXX of XXXX requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items 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 2018-06-05
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:
Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent dispute letter with my attached proof from XXXX to Experian and XXXX  in 2017 requesting them to update my credit report. I got response back from Experian in a email stating they only could update my credit report once.

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 2019-02-01
Company: TrueAccord Corp.
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a complete appraisal for my home and I requested to cancel the PMI insurance on the loan. First National Bank of PA has declined my request because they want their own appraiser to do the paperwork and they want {$480.00} to cancel the policy. I've called earlier in the year, they only correspond via mail and after several attempts to email them, they finally called me back and said they have a rule to only have their own appraiser do an appraisal, even though my home is clearly above the threshold for cancellation and it has been proved. I've provided the documentation to them and they will not accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Clarity Services
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:
I Had Noticed the Hard Inquiries that I had never authorized to Pull from creditors. 
Someone stole my information and used them XXXX  1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX, 3.Clarity Services Inc XXXX 4.XXXX  XXXX XXXX  XXXX 5.XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX 7.XXXX XXXX XXXX  XXXX 8.XXXX  XXXX XXXX XXXX   1.XXXX XXXX XXXX 1.XXXX XXXX and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX does not reflect the correct amount paid for property tax. I have contacted the mortgage holder ditech 3 times to get it corrected and it is still incorrect, The law requires a XXXX be delivered by XX/XX/31 and delivering an incorrect one amounts to not delivering one. It is impeding my tax filing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i purchased a vehicle from westlake financial i paid all but XXXX and they know i get paid on the XX/XX/XXXX of the month i am on retirement they call my house 20 times a day sometimes they hang up and sometimes they disconnect calls and argue over XXXX which i told them would be paid the XXXX of the month every month they called my house again at XXXX XXXX   waking upo the grandkids and they call right up to XXXX XXXX my time isnt that way to late to call. i want it to stop stop harrassing me over XXXX and i told them the XXXX of everymonth it is paid not my fault my bank sends them out the XXXX of the month. i pay all bills with online banking they get notified of the payment and have not called me til recently and frequently during the day it needs to stop. the car i got was a lemon i paid XXXX for a car that cost me close to 5000 to repair and to my surprise there warranty is not valid it doesnt cover anything and they new this car was in a flood and the back frame fell off the truck when my kids were driving the car there lucky it didnt cause an accident. stay away from XXXX XXXX  in XXXX  XXXX  and do not ever go thru westlake financial both rip offs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX   automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is stating that I owe a debt in access of {$660.00} dollars.and I am not understanding what the amount is based on.because still to this day of XX/XX/19 I am still with XXXX  phone service and has been.i pay my bill regularly on time every month..some has called me regularly stating that I owe and Ive told them numerous amounts of times I a still with XXXX  and pay my bill on time..Ive sent letters and attempted to call to settle this and yet still no conclusion and now it has been put on my credit ruining my credit score..please help me figure out what is going wrong..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX  Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Absolute Resolutions Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018, a debt collector - Absolute Resolutions Investments LLC- initiated a civil suit to collect an alleged balance owed to a credit card company -XXXX XXXX XXXX XXXX XXXX . Neither debt collector nor credit card company provide me with notice of the debt prior to filling the suit. Neither provided me notice of the right to dispute the debt. I have since requested validation and verification of the debt and now await a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
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 sent a certified letter to Experian Credit Reporting agency on XX/XX/2019 asking them to verify the collection account listed on my credit report they failed to do so one of the representative stated to me all they do is call the debt collector and ask them the name of the person who they listed as owning the debt and maybe the address and if they can verify your name and address then the debt stay on you credit report and I told him I don, t owe this debt what if my information was used he stated it don, t matter as long as the collection agency have your name and address then they consider its verified and keep reporting it keep reporting it I am so glad they have a consumer financial protection bureau because these people will completely think they can get away with everything I think Experian don.t care about reporting the wrong information on consumer credit report because they get paid to do so I have a fraud alert on my credit report and I asked them to please verify the debt and also to remove the collection that are not mine three companies listed a debt on my report that is not mine please make these company stop reporting information that is not mine and fix all the items on my credit report here is the letter I sent them On XX/XX/2019 which they fail to do so I sent them a letter stating this According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on my credit report. Otherwise, fraudulent account. That is reported company will be talking to court you have 30 days from the date listed above to send contract in full are I will see you in court I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts Action need to be taken Admittedly

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 2019-02-18
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
XX/XX/XXXX and XX/XX/2017 I missed two payments. I had moved due to job relocation out of state. USAA is supposed to be military and DoD friendly but they refused to work with me and are not understanding. Been a member for over 14 years and this is my first issue with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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:
My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XX/XX/XXXX 2 XX/XX/XXXX 3.XX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXX XX/XX/XXXX1.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2021-03-30
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent XXXX XXXX XXXX  ( account/s ) XXXX : distributed information dark web Cell ported number Can not contact bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2019-02-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a checking account on XX/XX/XXXX and the bank is refusing to mail me a debit card on the account. I have had a credit card account with Chase for years and wanted to have my banking at the same bank as my credit card. They are providing me no information why they are trying to restrict me from having access to my money, and the only thing I can think of is that are trying to use my money for the interest and not allow me access to it for that reason. All I want is a debit card, it is that simple. I am not sure if the actions by Chase are money motivated because they want to use my money to make additional interest, or if they are racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: EQUIFAX, INC.
State: MA
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, XXXX  and EQUIFAX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, XXXX  is reporting the account as XXXX/XXXX  XXXX, XXXX  is reporting the account as XXXX XXXX  XXXX XXXX/ XXXX   XXXX and EQUIFAX is reporting the account as XXXX  XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX Veteran with a rating of XXXX  % and I live in Florida. My current Mortgage Company Freedom Mortgage, waited for 7 months prior to conducting the Escrow Analysis. Once the Analysis was completed Freedom Mortgage decided to absorbed my refund instead of returning my refund to me. As of XX/XX/2020 the refund amount owed was {$1500.00}. I called Freedom Mortgage repeatedly about the matter.

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