BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I received notifications from XXXX, XXXX XXXX and XXXX. I contacted the contacted XXXX XXXXXXXX XXXX XXXX XXXX. I explained to them that I have no Knowledge of this debt be owed. They told me also they did not have my address???? I gave them you address and the youn lady said she was going to try to resolve this. I told her I have no documentation of this and she named my bank and said I had paid $ XXXX years ago. She also said she was going to send me documents regarding the debt. They are in clear violation of the of the fair credit collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Harley Davidson Financial Services Inc
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, an 84-month loan was opened in my name through XXXX XXXX XXXX. I have disputed this item several times by sending certified disputes as per the FCRA and FDCPA guidelines for disputes. The first letter sent XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX both through XXXX signature required. Both time they failed to meet the response requirements set by both the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: AES/PHEAA
State: CA
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 recently received an accounting of my student loan payments under the Public Service Loan Forgiveness Program ( PSLF ). It took more than 2 years, and 2 formal complaints to force XXXX to complete this accounting. I have two outstanding matters that have not been addressed : ( 1 ) my payment in XX/XX/2017 is listed as being LATE which is not correct ; and ( 2 ) my payment of XX/XX/2017 was for {$1300.00}, nearly 3x 's my normal monthly payment on the income-based repayment plan. 

ISSUE 1 : I did a direct consolidation to qualify for PSLF and my loans switched from XXXX to XXXX on XX/XX/2017. As such, I was not prompted to PAY my monthly payment to XXXX until XX/XX/2017, which I did timely and promptly. Because the date of payment was due to my loans switching from XXXX to XXXX and not because I was late, the XX/XX/2017 payment SHOULD be counted as timely and count toward my PSLF forgiveness. 

ISSUE 2 : In XXXX of 2017, I was forced to pay {$1300.00} OR XXXX would report me as delinquent to credit reporting sites. No one at XXXX  could explain why XX/XX/2017 's payment was more than my normal amount. A supervisor verbally told me my account would be credited with the extra payment, but no one has responded. 

Due to the fact the CFPB is the only avenue by which to get XXXX to respond to me, I would like another complaint issued to rectify these two payment discrepancies. 

XXXX is the worst company I have ever had the pleasure of dealing with. The only way an accounting of my past student loan payments was completed was by filing formal complaints with the CFPB and US Department of Education.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law. FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly?

How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A ) of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 2018-03-13
Company: Deutsche Bank
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Deutsche Bank was commanded by the United States Department of Justice, in 2015, as a result of their guilty plea, and adjudication, to compensate those ( investors ) and consumers, like myself, for the harm that Deutsche Bank caused by their manipulation of the XXXX rate and their secularization of loans misconduct. ( Please see attached documents. ) Also, Deutsche Bank was to appoint and provide access to a third party administrator to provide for such compensation to consumers affected by their criminal actions like myself. I have tried many times to get contact information for the third party administrator, by calling Deutsche Bank 's law department. I was told to contact their media department, or they don't know who I should contact. I am asking for XXXX 's assistance in getting the contact information to the third party administrator for this court ordered compensation due from Deutsche Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Last XX/XX/XXXX, I contacted US BANK by faxing them a letter, a copy of my FTC ID THEFT REPORT and temporary police report. I dis this to report to US BANK the fraud charges that was applied to my account. I would like to call the attention of the CFPB to report US BANK 'S VIOLATION and call their attention to take action and delete the account from my credit file. This is what I stated on my police report and FTC report : " I am a victim of IDENTITY THEFT. I have a US BANK SECURED CREDIT CARDaccount # XXXX. Opened XX/XX/XXXX with $ XXXX limit. I made some charges on this card for approx {$1800.00}. I've made payments on this account and US Bank accepted my payment. Aer accepting the payment, they pulled/withdrew another {$1800.00} odd from my account! 
I disputed the UNAUTHORIZED TRANSACTION and they returned the money the took from me, but US BANK still gave me double balance which is now showing on my credit report. The reported balance in invalid and UNAUTHORIZED and some used my account or personal information to put those unauthorized transactions /amount balance on my account. Everything amount I owed US bank Has been paid off! Whatever amount they are reporting is unauthorized and fraudulent! ''

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 2020-09-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2013 I received a modification on my mortgage through XXXX XXXX XXXX. The fixed interest rate was to be 4.25 % for the life of a 40 year loan. My loan was sold to XXXX XXXX who sold it to XXXX, who has gone bankrupt. From there Loancare purchased it. I noticed my interest rate was now at 4.625 % and called them. They said that was the rate when they acquired it. What can I do? I'm having trouble with keeping up as my job I have now, due to covid-19, doesn't pay as well.

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 2020-11-23
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I live in Hawaii and have a Costco credit card issued by Citibank, which includes an annual fee as part of the Costco membership. Part of the agreement includes a cashback provision. Due to a hospitalization spanning several years, I was unable to redeem these cash rewards, and they expired within a year. 

As I understand it, expiring these values within 5 years is prohibited by both Federal law, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, and state law, Hawaii Rev. Stat. 523A-14 and Hawaii Rev. Stat. 481B-13 Having reached out to multiple representatives, I was told " We are systematically unable to generate new certificates once they are expired. '' I do not believe this is legal and would like guidance on 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
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear sir, I am from XXXX and was selling XXXX branded herbal products on XXXX and receiving payments for every order from paypal same like many other competitors of my are doing still without any issue. but suddenly after having smooth business i received an email from paypal that my account is restricted and i can no longer use it and my amount of XXXX $ blocked for 180days. After having conversation with company they said you can not sell herbals but actually i was selling it on XXXX and XXXX allows to sell herbals and paypal is just playing role payment XXXX for XXXX sellers in XXXX. i asked them if it was against the policy then it should not be allowed from day 1 when i started it and after running it sucessfully and having good business more than 1.5years they blocked my paypal account and hold money for 180 days but now before 10days of completion of 180 days lockin period i received a message from paypal saying you will not get any money back due to damage caused to paypal XXXX They had scammed me of XXXX $ of my after enjoying commission fee from my business for more than 1 year. my contact id and paypal id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-07-12
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Diversified Consultants sent a letter saying that I owed a debt and that I had a certain amount of time to respond before reporting to credit bureau. I responded with a validation of debt letter. They sent me a one page statement allegedly from the phone company. This alleged bill had my name as well as someone else 's name. I have never shared a phone bill account with anyone. This statement did not verify this debt belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: LJ Ross Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint and it wasn't investigated before it was closed. I had no contract with Ross Associates! I made an agreement with XXXX XXXX XXXX XXXX for utility service not Ross. Ross has no paperwork but insistent that I owed the bill that was reported to my credit 6 months after final bill that I never received. I asked for a copy of XX/XX/XXXX bills or a copy of the final bill. They responded saying I owed without proof and said they wanted me to prove I paid the bill. So I put in the complaint for XXXX XXXX XXXX and Ya 'll couldn't contact them, the original debtors. How can the claim be closed without proof that I owe anything. It took them 6 months after the service ended not giving me a chance to dispute or challenge the bill. I found out 3 years later and never received a bill. Why don't they have to produce proof of me owing the bill especially since they're 3rd party. I was in XXXX when they reported the bill and that's why my services were turned off. I'm in XXXX and have no way of accessing this information and shouldn't have to. The burden of proof should be on them. Not close the case because they said I owed the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
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 explanation
Consumer complaint received 2022-12-14
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX insurance and the medical staff said that the procedure is covered by insurance. XXXX went ahead and charged me for the full amount. I was told that it is covered by the insurance, but the billing department refuse to make the adjustment. I accidentally paid one of the bills, they refuse to refund it because they said it was a owed. Very dishonest with billing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Theres a collection account from XXXX XXXX from XXXX XXXX that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is serious. I made a dispute regarding a credit card that should expire XX/XX/2018. XXXX XXXX made a huge error & investigated the wrong card. They left the disputed debt on & removed my oldest card which is in good standing. This dropped my score by 100 points! I am trying to clean up my report not destroy it! Please please help!!!!!! 
I did a lot of disputes & if I accidentally did this one please cancel it! I'm so upset!!!! I'm crying!!!

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 2019-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have scheduled a payment to be made from my account on XX/XX/XXXX, but Portfolio Recovery continues to call me about collecting this payment. They use various numbers when calling : XXXX, XXXX, and XXXX in addition to the one I listed previously. 

I have a letter from this company stating the payment will go through XX/XX/XXXX, but they apparently don't relay that information to other departments. I am tired of these calls, and no longer answer when they call. These calls came on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: DC
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Company Inquiries : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law.  FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly? 
How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A )  of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I opened up a Kay Jewelers Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Kay Jewelers credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory.

I hired a 3rd party company to try and dispute this. They reached out to Kay Jewelers but all Kay Jewelers did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Experian Information Solutions 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:
Since XXXX of 2018 I've been sending certified mails to ( Experian ) Credit reporting agency. 
To validate all unverifiable accounts on my credit profile. Unfortunately ( Experian ) time and time again ( Experian ) has chosen not to follow both state and federal law. The law is clear under the Fair Credit reporting. A credit reporting agency must validate all consumer accounts with physical detailed documents. Including consumer contracts and original signature. I have ask ( Experian ) to correct all misleading, inaccurate, incomplete accounts since XXXX of 2018 but they have repeatedly sent me erroneous, incomplete response. Claiming they have some how accurately verified all mentioned disputes. How they have not provided clear verifiable proof of how they have some how validated these accounts beased on the validation guidelines of the FCA, and CPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have submitted information to this company stating that I was a victim of identity theft. They failed to work with me but instead stated that it was my fault, regardless of the police report filed I sent over.

Company response to consumer: Closed with explanation