BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with signing the paperwork

Complaint:
I was approved for both Spring & Fall semesters when I applied XX/XX/2018. I am approved and the current status if 'certifying with school '. The financial aid department claims that they can not find the loan from XXXX, while XXXX states there's nothing they can do and to speak with the school. It is very frustrating the be in a circular loop where each party states the other party is responsible for the next step. I want my loan funded in the amount of {$37000.00} or the cost-of-attendance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent me documents of debt and I have never done anything with this company. They have reported the debt as a joint account however I asked for documentation and all I got back was a letter with an electronic signature of only mine as well as the name of contact that was only my name.I asked for any docs they may have as proof as well for the debt and they dont have anything except for an electronically signed doc. This needs to be removed I have asked for multiple things to be provided and they have not been able to deliver anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIBANK, N.A.
State: TN
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:
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed onXX/XX/XXXXXXXX XXXX XXXX. this account went to collection. opened XX/XX/XXXX. not mine XXXX openedXX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account Bankruptcy XX/XX/XXXX error. not mine

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 2019-05-23
Company: WELLS FARGO & COMPANY
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX XXXX an employee of XXXX XXXX told me he was the inventory manager for the southeast and wanted to thank me for taking care of him. He picked out of his over inventory XXXX worth of XXXX XXXX merchandise and told me it would be {$800.00}. I thought it odd however he said he was the big boss and could do this. On XX/XX/XXXX, I withdrew {$800.00} from my bank XXXX XXXX XXXX XXXX by debit card and went to XXXX and got a money order. He gave me his Wells Fargo bank account information and I deposited the money. Then, he informs me the money wont clear until Tuesday. So he got {$750.00} from me in cash that I again withdrew by debit card. He took it and went to XXXX to deliver my items. After two days and so many deliveries from XXXX XXXX XXXX he promised me it would happen. On Tuesday, XX/XX/19 he said they attempted to deliver but no one answered the door. I checked my security system and no one ever tried to deliver. I let him know this he said XXXX XXXX investigated by following the GPS on the delivery truck and the driver was parked at XXXX. He said but now the driver is trying to charge me for delivery. {$2000.00}. I said I didnt have it. He said he would use the initial {$800.00} towards my delivery and just needed {$1000.00} more. But that he would return {$1800.00} to me in XXXX XXXX gift cards and go to the store with me to change them into cash. I didnt know they dont do this. So on Friday XX/XX/19 I again withdrew {$1000.00} from An atm at XXXX and went inside and got a money order. I then went to Wells Fargo and deposited the money into his Wells Fargo account. He said if the money clears delivery will be Friday. The money didnt clear til Saturday. I was talking to him on the phone as he was driving to the XXXX  XXXX XXXX store. He said I am getting pulled over. Cops are coming. I literally never heard from him again until XXXX that afternoon when I received text messages from his number. The mystery person told me he was in jail. I repeatedly asked for my {$2500.00} back. They told me no. I said Im going to the police. They said try to make a case. Anyways I have been lied to. There were no goods delivered ever. I want my XXXX money back. Please help!!! I have proof of the deposits and withdrawals from my bank.

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 2019-01-14
Company: Porania, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Identity Theft Bankruptcy XX/XX/2013 error. not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No lawsuits have been filed. Please see attached. Sequoia never sent any notices of any kind. The first time I ever was made aware of this debt was after they put it on my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint against National Credit Adjusters ( NCA ) collection agency. They have been reporting inaccurate information for two collection accounts on all three of my credit reports for over two years. Both of the original creditors have agreed to remove the accounts from my credit reports and recommended that NCA do the same. However, as of today, both collection accounts are still reporting inaccurate information. When I was contacted by NCA about the first account ( RSVP loans ) in XXXX, I immediately started a payment arrangement. A few months later the representative that I was working with ( I believe her name was XXXX ) called to tell me they had another account in their office ( Rise loans ). She assured me that as long as I paid my payments on time neither would report to the credit reporting agencies. To my dismay, both were reported to the credit reporting agencies after the payment arrangements were paid off. 
I filed a complaint almost two years ago in XX/XX/XXXX and the NCA response stated that they would not remove anything from my credit reports if I had questions I could call the director of operations ( XXXX XXXX ) for any additional questions. I immediately called and left several messages with no return phone calls from XXXX XXXX. Instead I received a phone call from a NCA representative who repeated that they do not set up pay for deletion agreements. This is false. I have been trying to purchase a home for the last two years and haven't been able to because of these two collection accounts that are scheduled to stain my report for another 5 years minimum. I want NCA to research my account to see that agreements were made, the information that is being reported is in accurate and fix this by no longer updating this account that was supposed to be removed almost two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have excellent credit and so I applied for a Citi AAdvantage credit card. I was sent a letter that my application was incomplete and could not be processed, but was given no explanation as to what was missing. I filled out the complete form for the credit card online. I tried calling the company and the employee told me there was missing information and that I had to call them back through my house phone. When I did, the company would no longer pick up my call, but a recording said a letter they were sending me would explain more. The second letter just said I was not approved due to missing information. I feel like I input a lot of private and correct information into this application and I was never given any explanation as to why I was not approved. I have checked my credit and it is fine. If there is any other reason I was not approved I believe I have a right to know. The phone number they sent me is a dead end. It asks for my SS # and then hangs up on me so I can not speak with anyone. I am afraid that this company has all my private information. What can I do?

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 2019-01-14
Company: CITIBANK, N.A.
State: TX
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 Credit Card {$1500.00} Closed acct was current XXXX XXXX Credit Card {$160.00} Closed acct was current XXXX XXXX {$1700.00} filed suit against me Case No. # XXXX Justice of the Peace No. 4, Place 2 in XXXX XXXX, Texas on XX/XX/2019 Plaintiff XXXX XXXX XXXX XXXX. They closed this acct I may have been late less or greater than 30 days. Sears Credit {$600.00} Closed acct was less than 30 days late when closed. Sears Master Card Credit {$1200.00} closed acct was current.

Sears Master Card Credit {$1000.00} closed acct was current.

XXXX XXXX Credit {$1200.00} XXXX XXXX Card {$600.00} XXXX  Mastercard {$2700.00}

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 2016-04-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: First National Collection Bureau, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Someone got a credit card in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Student Loan Consolidation. I was tricked to believe I was call XXXX XXXX XXXX but I really called a guy name XXXX XXXX he stated he went buy the name XXXX. A scam. I paid XXXX none of that went to my loan but to his pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: NCC Business Services, Inc.
State: TX
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. 

US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. 

I feel so scammed. Please help. US bank is the literal worst.

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 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
2 accounts showed up on my credit report for XXXX XXXX. They opened 2 accounts totaling around {$6000.00} total There were also over 10 hard inquiries because of this. I want them removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX bought a old cc debt in 2012 now they sold it to XXXX XXXX & they hired a attorney XXXX XXXX   & XXXX the thing about is it is out of statu in the state of Arkansas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any bills

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 2019-01-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls from a collection agency called Midland for a very old debt about 12 years old. I get calls during work, on weekends and I do not appreciate the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/XXXX, I contacted my bank, USAA, to update my mortgage payment for a new escrow estimate. As a condition to assisting me, the representative required I provide my employment status, industry, and name of employer. It is unclear to me why any of these questions should be a condition of service, though the representative claims it is now required by government regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: National Credit Systems,Inc.
State: OK
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get my annual free credit report from Equifax using the free report website. Constant for pay pop-up and ads try to redirect you. This should be a secure site free from all the XXXX. I was denied my free report for unknown reasons. I will be complaining to my congressional representatives and senators.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX , Chapter XXXX  Bankruptcy Discharged 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 2019-01-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX  Bankruptcy Discharged XXXX

Company response to consumer: Closed with non-monetary relief