BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have gotten harassing phone calls for the last two weeks regarding a supposed debt that I have with  XXXX   XXXX , this was resolved with  XXXX   XXXX  approximately  XXXX  years ago. Now myself as well as family members, are receiving harassing phone calls and voicemails regarding this supposed debt. The supposed law firm that keeps calling is  XXXX  and  XXXX  in  XXXX  California. The gentleman told me that this is an amount of {$1700.00}. They told me that they sent a letter to my home address ( of which I never received ), and now are going to garnish my wages through my employer. The phone number they told me to call is  XXXX . The reference number I have been given is  XXXX . I want to get this resolved, however I do no owe this money.

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 2019-08-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was with XXXX XXXX. I work at a XXXX XXXX  and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. 

I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a complaint and police report with the XXXX XXXX XXXX   County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XX/XX/XXXX and XX/XX/XXXX. Im regularly contacted by odd telephone numbers requesting my personal identifying information. 

Please remove this collection item because its a result of identity theft and fraud. 

According to the alerts on my credit this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- I am in the military as a reservist and ended up going on  XXXX   XXXX  for a period of time  XXXX ,  XXXX  and  XXXX  while  Chase  held my mortgage loan.    JP Chase  had my mortgage with an interest rate of 5+ but under  6  percent.    JP Chase  offered to lower my mortgage interest rate to  4  percent which they advised they do for all service members that end up on  XXXX   XXXX  orders. Soldiers & Sailors Relief Act I just received a letter from the IRS that I owe money for unreported income  JP Chase  NEVER EVER advised that while they lower your mortgage interest that they report it as income at the end of the year.   -- what would be the purpose of having your loan reduced if they are going to slam you at the other end. The  1099 Miscellaneous sh ould have been a 1099C ( debt reduction ) as they are saying they are offering the military a benefit.  <P/> This is outrageous and not explained by the folks you speak with on the phone.   Chase offers themselves to be such a military friendly organization. You submit your orders and that is all they require.  <P/> I do n't feel that I had unreported income, this was an offer on their part of offset a debt.  <P/> /r  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This letter is a formal complaint against CREDIT COLL ( Original Creditor : XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, payment history as it not appear in the report and payment status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I am a victim of identity theft an I have submitted documents several times.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. 
I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused report me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AR Resources showed up on my credit resport after sending a certified letter on XX/XX/XXXX To XXXX XXXX XXXX XXXX to validate two accounts that showed up on my credit report in XX/XX/XXXX {$68.00} Account # XXXX {$150.00} Acount # XXXX The debt was never validated, but AR Resources name was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied to be a Tennant at XXXX XXXX in 2020 and was told that all it was required was a {$50.00} application fee. 
At the end of the application, I was surprised with an additional {$500.00} as a " deposit. '' I inquired if I paid the deposit and decided not to move in if I would be refunded. The representative guaranteed me that yes I would be fully refunded. 
I decided NOT to move in, and asked for my deposit back. Months went by, and not only did not XXXX XXXX NOT refund my deposit but sent me an invoice for another {$570.00} claiming I had not paid the deposit and the application fee plus a {$25.00} returned check fee. ( I paid with a CC, not a check. I have and sent them both my CC statement and the receipt XXXX issued me for payment of the fee, and they still continue to charge me ) XXXX sent me to collections and reported me to a credit agency which ruined my credit. Even though they were the ones who owned me money. 
I took this issue to Small Claim Court and won a settlement for XXXX XXXX to pay me {$570.00} + Interest. 
XXXX refuses to pay the judgment and continue with their collection attemps and trying to ruin my credit even though I proved in court I was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Other problem getting your report or credit score

Complaint:
Trans Union and XXXX. Have accounts set up with them and have used them in the past. 
Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!

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 2022-02-17
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2018-01-28
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been locked out of my coinbase/XXXX account for 30 days. 
I was never given a reason why I was locked out and all methods provided to contact customer service are dead ends. 
I have roughly {$200.00} USD and approximately .8 ETH ( roughly {$960.00} USD ) locked in the account and have no way to access it. 
I attempted to resolve the issue with the online customer service form on XX/XX/XXXX and was never responded to. 
I attempted to resolve the issue with customer service over the phone on XX/XX/XXXX and was never able to reach a representative. 
I attempted again to contact customer service via email on XX/XX/XXXX and was never responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  aNd XXXX are again reporting that Toyota motor credit Corp. has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and XXXX  are either culpable negligent in carrying this listing or are being intentionally vindictive. As for Toyota credit Corp, s actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently Toyota recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. Toyota had known that the difference in the lease tit claimed 1 had been, in fact, paid XXXX by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. Toyota isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, Toyota gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof toyota, with the the virtual assistance of XXXX and XXXX ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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: Account status incorrect

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me. 

XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX. XXXX XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

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 2018-01-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by Transworld systems attempting to collect a debt that I supposedly owe XXXX XXXX XXXX. The alleged debt is {$37.00}. 

I have no idea what the debt is for and I would almost pay it just so the don't try to ruin my credit, but they do not even communicate what the debt is for or a reasonable way to pay the debt online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have called numerous times to pay back my loans when I have been continuously forced into a forbearance or deferment that is just tacking on more interest. I have applied for multiple repayment plans and instead of giving me a reasonable rate, they have expected me to pay them of {$600.00} per month on a {$35000.00} year salary. The company has denied all request, returned all letters without any explanation other than that I was simply " denied ''. I 've been forced to consolidate my loans through another lender with an overbearing interest rate. Now I am not only forced to pay thousands of dollars tacked on by the Navient, but additional thousands in interest from the new consolidation firm. The mistreatment and thousands of dollars they have tacked on to the initial loans are unethical. They do not allow you to understand the loans and what you are getting yourself into. This company is not for furthering your education, they are only for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: LEXISNEXIS
State: PA
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 repeatedly contacted XXXX about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with Lexis Nexis. I called Lexis Nexis to see if XXXX had reached out to them about a dispute and they said that XXXX did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. Lexis Nexis said they would send out my new credit file to XXXX so that they can update my credit file and remove the bankruptcy. They also said that XXXX shares a database system with them so XXXX can update their files, but often times they do not. I called XXXX on XX/XX/2022 to explain this to them and they said that LexisNexis has to send them an electronic file so they can update my credit file. LexisNexis told me that they sent out my dispute and new credit file in XX/XX/2022 to XXXX and XXXX has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and XXXX will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and XXXX is ignoring the proof and they are not doing a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
IQ Data International inc : amt XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state RESOLUTION : I demand the business remove the negative report against my SSN at any credit  reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database. <P/>Hope this helps. This has been successful for me personally in have the collections removed from my report however each individual and circumstance is unique.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation