BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: The Best Service Co.,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:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

XXXX XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX XXXX  XX/XX/XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00}

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 2020-01-23
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job. 
XX/XX/2020 - call from unknown number threatening to come to my house or job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citibank allowed an unauthorized charge on a LOCKED, EXPIRED credit card, where the vendor had an old and no longer valid credit card number. I only noticed this when I saw negative information on my credit report, and by that time there were late charges in addition to the negativity on my credit reports. I paid immediately to avoid it worsening, called Citi, and they would not help me. They said that locked doesn't mean what I thought it meant.? I called the vendor, and they issued an immediate refund. Citi refunded all the late charges. Still, there is negative information on my credit reports that I don't deserve. I have to dispute them myself. I would like you to be aware of Citi 's deceptive practices of allowing unauthorized charges on LOCKED, EXPIRED cards. I was a Citibank customer for 21 years. I never missed a payment. My credit score WAS in the 800s. I did not ask for this. This is DECEPTIVE.

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 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed two charges under claims and defenses for services that I did not receive. 

Capital one refunded one of the charges, billed on XX/XX/XXXX, but not the other, billed on XX/XX/XXXX for {$150.00}. 

I never received the services, and I have sent many letters asserting my rights under claims and defenses. I want the charge for {$150.00} on XX/XX/XXXX reversed. 

In the most recent letter that capital one sent, they state that the transaction I was disputing was from XX/XX/XXXX, making it too old to dispute. This date is not correct, I did not even live near the merchant on that date. Capital one is fraudulently denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Afni Inc : based in  XXXX , IL, stated that they are collecting a debt for   XXXX   XXXX   XXXX   XXXX   for  XXXX  dollars. Called the   XXXX   XXXX   XXXX   to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. computer generated letters are all I'm getting back with no human interception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Navient Solutions, LLC.
State: MI
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 have been making payments totalling {$56000.00} on and off since 1993 on the original federal student loan amount of {$19000.00} with a 9 % interest rate. As of today my principal loan amount shows a balance of {$21000.00}. I have printed out my payment history and adding in all the capitalized interested, fees and other questionable maneuvers on top of the original principal with interests I show I have over paid my loan by {$14000.00} yet they show I still owe {$21000.00}!? When I speak with them they just offer a large monthly payment, nearly the size of my mortgage, that I can't afford, a income sensitive payment option which doesn't change the principal or a forbearance but they can't explain why I can't make any headway. I feel I will never get out of this loan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am the XXXX for my father 's estate. We provided that info along with his death certificate. XXXX still demanded to speak to my deceased father and requesting his signature. He passed in XXXX of 2021 We just need a pay off amount on his home which we have sold almost a month. 

I also have my lender trying to get this info from them as well and no luck.

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 2018-07-10
Company: Navient Solutions, LLC.
State: NY
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:
To Whom It May Concern, Hi, my name is XXXX XXXX and my loans are being handled by Navient. I have reported this problem before, to which they fixed the problem after the first complaint. However, they have yet to fix this problem with other students ( including myself again ), as well as my other classmates. To my understanding, when students obtain loans, students have 120 days to return the loan without any fees or charges occurring ( i.e. that loan amount does not accrue interest ). However, whenever I make return part of my loan to Navient within these 120 days, they apply some of the repayment to the net loan and some of it to the interest that has accrued. Ultimately, these means that the net loan amount is higher and students are paying more over time as the increased net loan creates more interest for students. About 1 year ago, I already created a complaint regarding this issue where they refunded me for the amount that was applied to the interest, and the additional interest that it created. Other students that I had warned about this issue contacted the company to which they said this problem has never occurred before and it was a simple error in their 'system '. However, despite their awareness of this issue, they have still yet to fix this 'problem ' that is essentially generating more money for them. 

After I reported this problem to them, the company 's response was to say that my payment on XX/XX/XXXX was more than 120 days from the last disbursement on XX/XX/XXXX. However, there are clearly two disbursements after this stated XX/XX/XXXX date on XX/XX/XXXX, and then the latest one on XX/XX/XXXX. Thus, there was clearly less than 120 days between XX/XX/XXXX and XX/XX/XXXX when the money was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
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:
Dear CFPB, These two mortgage companies reported false information on my credit reports. XXXXXXXX XXXX and XXXX XXXX XXXX. 
I have NEVER done business with them. 
I NEVER applied for a mortgage with them. 
I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed XXXX XXXX   from my report but not XXXX XXXX XXXX. At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

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 2020-01-23
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I switched cell phone providers from XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX had a promotion in which they would pay up to {$500.00} per line for each line switched. Once they took over the phone numbers, I was no longer able to access my online account at XXXX to print the final bills, something XXXX XXXX XXXX required in order to reimburse me. I spoke to someone at XXXX and asked them to mail me my final bills. They never did this. I tried to ask for this multiple times via phone, text, email, chat on their billing page, and even in writing. XXXX XXXX XXXX required submission of the bills within 30 days in order to reimburse me, and of course, I never got a bill from XXXX to submit. To this day, they have NEVER received an itemized bill, yet they have hounded me via multiple calls daily, collection agencies, etc., and have negatively impacted my otherwise stellar credit rating. The amount they claim I owe is far higher than I had calculated, to boot, even at the onset of this situation. 
In response to letters from RPM collection agency, I sent a certified letter demanding proof of what I allegedly owe and asserting my rights under the Fair Debt Collection Practices Act. I am still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX XXXX account was opened XX/XX/2016 with XXXX which I have never heard of. The amount showing owed is {$290.00} and is in collections with XXXX XXXX XXXX XXXX. This account is not mines. I have disputed but I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: CO
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 Equifax to " remove '' a dispute comment from my credit bureau, because I am trying to refinance my house and the mortgage lender will not move forward with my loan until the dispute status is removed. Every time I've called Equifax, the representative on the phone can hardly understand what I'm saying to them. The result turns into them adding another dispute to my credit bureau. I just checked my credit report this morning and found out that not only has the original dispute not been removed, but now EVERYTHING on my credit report is being disputed! I am so blown away at this and it is preventing me from refinancing my home! I don't know what else to do. I certainly don't want to contact Equifax directly and make this situation even worse ( because that's what has happened already ). I'm simply trying to remove any disputes from my credit report, and they ended up adding  a dispute to everything ... including my current accounts. This is bad enough, but then I noticed that it also lowered my credit score by 34 points! If I don't get this removed soon, I will have to do more investigating and maybe try to hire a lawyer to help me ( which I really don't have the extra $ for ). Please help me correct this? I am REALLY needing to refinance my home soon to consolidate debt and get myself and my family  into a better financial situation. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019 I purchased an engagement ring from XXXX XXXX in the amount of {$2000.00}. 
I specifically chose this jeweler because of the 12 months same as cash promotion I qualified for. The financing is being serviced by Comenity. 
When I received my second statement, there are interest charges on the statement in the amount of {$40.00}. 
I contacted Comenity in writing as specified on the statement if you had a fee or finance question. 
I explained in my email via their web site that this was incorrect, I was on a 12 months same as cash promotion. Comenity responded by advising they were sorry if I was confused, but they had no promotional information and then they went on to tell me how interest charges are calculated. 
I contacted XXXX XXXX where I purchased the ring and their response was to try calling Comenity and talking to them???? 
I have paperwork showing the 12 months same as cash along with the monthly payment that I would need to make in order to payoff in the 12 months that the sales manager calculated for me in the store. 
Neither business is addressing the problem. 
I feel like this was a total bait and switch scam and that I have been deceived. 
I have asked for management return calls from both companies and have yet to receive anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18
Company: Bread Financial Holdings, Inc.
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: Information belongs to someone else

Complaint:
On approximately XX/XX/2018, I received a billing statement from XXXX XXXX/XXXX at my Mother 's address. I have not resided at that address for over 3 years, in fact- I live in a different city entirely. Apparently, the person who applied for this credit card did so in Puerto Rico- I do not live nor have I ever visited Puerto Rico . They also used {$490.00} of the {$500.00} limit. I did call XXXX XXXX and filled out a document that they sent to me- I made a copy of same and also have the XXXX XXXX statement at home. They also indicated to me that the number that they had on file, associated with this account, was not even my phone number! Yet, when I tried to dispute the card on XXXX, they had the audacity to say that " the information is accurate. This item was not changed as a result of our processing of your dispute. '' Absolute nonsense- additionally, I have set up a fraud alert should anyone try to open any new accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2017, XXXX XXXX deposited a check from XXXX XXXX into heXXXX XXXX XXXX Account via mobile check deposit. She then secured the physical check in our apartment and we left to plan a special life event with subsequent travel outside the country fully expecting the check to clear. 

Upon our return, XXXX deposited the same XXXX XXXX XXXX check via mobile deposit into her Citibank Account on or around XX/XX/2017, having forgotten about the original deposit to XXXX XXXX. Later in reviewing her XXXX account she noticed that she had already deposited the check in XXXX, and she called Citibank to report the errant deposit. Citibank removed the funds from her account and returned them to XXXX XXXX. 

XXXX then ripped up the original XXXX XXXX XXXX  check and disposed of it in the recycling/trash. 

As far as we can tell, a physical reproduction of the check was then presented to XXXX XXXX XXXX at one of their branches and the Federal Reserve contacted XXXX XXXX  stating XXXX XXXX would honor the physical check over the mobile deposit. 

Without contacting XXXX, XXXX removed the funds from her account and when we discovered the transfer were told that XXXX XXXX requested the removal of funds from her account. 

XXXX submitted a CFPB complaint against XXXX XXXX that was transferred to the FDIC. 

XXXX responded to the complaint stating the check was presented to an account at Citibank in XX/XX/2017 and that XXXX requested the Federal Reserve make an adjustment and that in their words " It appears the adjustment went against Ms. XXXX XXXXXXXX XXXX XXXX Account and not Citibank. '' They also give the routing number for the Citibank Account : XXXX. 

XXXX then states in their response that the adjustment was " processed incorrectly with the Fed, and Ms. XXXX 's funds are with what appears to be a fraudulent account at Citibank. '' XXXX XXXX did not respond to the issue of the check being physically presented at XXXX XXXX XXXX. XXXX XXXX XXXX response to the original CFPB complaint is attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29
Company: DISCOVER BANK
State: NJ
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Nissan Motor Acceptance Corporation on XX/XX/2020. A consumer transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Nissan Motor Acceptance Corporation made me pay for insurance seperately. Nissan Motor Acceptance Corporation is in violation of 15 USC 6802. Nissan Motor Acceptance Corporation did not disclose to me or make it aware of my right to opt out. Nissan Motor Acceptance Corporation is also in violation of 15 USC 1635. Nissan Motor Acceptance Corporation was supposed to disclose to me the right of recision, I was not notified of this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.

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