BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement XXXX has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: United Collection Bureau, Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX Called at XXXX got XXXX XXXX asked for SSN to verify, transferring me to XXXX XXXX XXXX XXXX XXXX in North Carolina XXXX I did not recognize this and let them know I never received written notification and would like to pay it if it wouldnt damage my credit. They told me that they could not delete it if I paid. I did stress I had not received written notification of this debt again and they did not comment on it. 

XX/XX/19 I called them again after speaking to XXXX XXXX who could not locate my account at all. Called them at XXXX got XXXX XXXX got transferred at XXXX to XXXX. On this call I was told it was for XXXX XXXX? I have never heard of them, nor visited this clinic. I dont even know of a XXXX doctor in my area. Asked to speak to a supervisor at XXXX. Got XXXX. He was incredibly rude even though he was made known no written notice was ever received. 

Ive been told this debt is from two different places on two different calls. I want written notice so I can validate or dispute this debt and the opportunity to pay it without damaging my credit once I am able to validate it, or the chance to dispute it as not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX, XXXX, Citibank placed a block on my account due to a negative balance. In the evening on XXXX XXXX, XXXX, Citibank removed the block from my account. Earlier in the afternoon on XXXX XXXX, XXXX, XXXX attempted to process my mortgage payment but due to the block it did not go through. As a result, XXXX reported me to the credit reporting agencies as paying my mortgage 30 days late and my credit score decreased 168 points. I subsequently filed a CFPB complaint against XXXX, to which XXXX XXXX Executive Office responded that they would suppress their XXXX XXXX credit reporting IF Citibank will provide a letter confirming that the block was removed from my account on XXXX XXXX, XXXX. Citibank has confirmed via telephone that the block was removed on that date, but my request for documentation of the oral representation has been denied. This is a very simple matter that could be easily resolved if Citibank would issue the requested letter, at which point XXXX would suppress the XXXX XXXX credit reporting and my score would rebound. I would sincerely appreciate the assistance of the CFPB, as I am currently being ignored by Citibank.

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 2022-01-19
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/2021, I was charged {$750.00} through a virtual account number on my Citi credit card that I do not use or carry. There was a charge before this one that I filed fraud on through the app, and it was resolved the second charge for the XXXX I had to call in after the call was disconnected I used the message service in the Citi app and opened up what was supposed to be a fraud claim for the XXXX. Citi then connected a possible fraudulent vendor and received a response with no information related to me, the account holder. Citi reversed and stated I was responsible. I wrote a letter stating the information did not match and should have never allowed the charge in the first place. They then wrote another letter stating they still would not reverse the charge. Citi Bank will not give me any information on how this has happened and will not reverse the fraudulent charge. I would not recommend anyone to use Citi Bank credit cards due to this security concern and lack of resolution and customer service.

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 2019-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've tried to establish a bank account with Chase Bank for myself and my XXXX and they allowed my to place funds in. then a couple weeks later they closed it without notice. Im well aware of the fact that a bank can close an account without notice but to be told that im red flag as a potential fraud person and that is not true. Ive never done anything wrong to chase the last time i had chase i was living in Texas and my ex was using my Card to pay here car payment. i filed a claim to receive my funds and they close the account stating i should pay close attention to my account. I've also been told that i will never be able to open another account. If didn't leave then last with a negative account why and they red flagging me and labeling me as potential fraud person. When we sign our agreement with the bank there was nothing that states how many claims we can do, and every claim with the excepting of XXXX or XXXX that forgot i did where excepted. going by there contract it does say they have to right to close our account at there discretion but As i said when we sign a contract with this bank there was no limitation on the claims we could do and we shouldn't be judge by that. I'm at an age where im trying to get my life together and there doing more harm than helping

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is about an employee of Selene finance who came to our home in XXXX of XXXX and not only harassed my family but also went to my neighbors house and told my neighbors my personal business, we were eventually evicted from the home in XXXX of XXXX, the individual in question also worked as a realtor so he also ended up profiting from the harassment he endured! I made a complaint with the board of realtors that went nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing today in regards to my account with BMW Financial Services account # XXXX. I notice a late pay reporting in XX/XX/2020 and XX/XX/2020. This is during the declared pandemic by XXXX and Congress which the Cares Act was passed to assist anyone impacted during that time. I was greatly impacted at the time and was in the hospital and unable to make those payments. Once I was able to get my account up to date I made my payment immediately and have been on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Caliber Home Loans, Inc.
State: WV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
we had gone into a forebarence plan with Caliber Loans. our loan is federal backed/FHA, and we kept asking if they would roll the amount to the end of the loan..they said yes but never really made it clear that it would actually be a sub loan and effect us being able to refinance the loan. we desperately need to lower our payment, but cant because they want us to pay XXXX off before we can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I currently have a Capital One credit card. When I pulled my last credit report, I noticed I showed one late payment in XXXX of 2017. I called and asked if I could have a one time forbearance since this was the only issue I 'd ever had on this account and am in the process of refinancing our house into my name. The customer service representative said this was no problem and they would remove this late payment. This obviously did not happen or I would not be on your website. Once I saw it was not removed, I called again and this time was told that it was impossible to remove any late payments on the account. I explained the reason we had missed this payment was we were having medical issues with our teenage daughter and it just slipped our mind to make the payment in XXXX. Either way, they said it ca n't be done, I asked to speak to a supervisor and they told me the same thing. I even asked to be connected with whoever had the authority to remove this one issue from my credit report and they told me it ca n't be done no matter who I speak to. I know these issues can be reversed as I have friends who have been able to do just that. I acknowledged the late payment, explained why this happened and that other than this one time, we have never had a late payment on the account. Anyway, I 'm just hoping that somehow we can have this reversed and I can move forward with Capital One and get the refinance done in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions 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:
There are numerous accounts listed on my credit report that I have no knowledge of. I did NOT initiate or authorize these accounts. This was a result of malpractice or an error.

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 2023-03-28
Company: EQUIFAX, INC.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Early in 2018 I noticed my FICO credit score decreasing from a level which had been above 800. Upon gathering further details via credit reports it was noticed that Professional Finance Company had an account in for collections of {$750.00} with my name. Per the XXXX credit report the item was opened XX/XX/2018 from an original creditor listed as XXXX  XXXX. This was first reported on XXXX XX/XX/2018 which I disputed on line at XXXX in XX/XX/2018. Upon calling Professional Finance Co to clarify they did not confirm or provide information about the amount in collections. I have no record of a bill from whomever submitted the account. Also no mail or other records from Professional Finance. I submitted a certified letter to Professional Finance Co of XXXX CO in XXXX via US post office requesting detailed information. A signed receipt of the certified mail was received however again no information received from Professional Finance. I have also submitted via mail in XX/XX/2018 to XXXX disputing the information upon which they have not been able to supply any further data other than to confirm the debt is assigned to myself. I have over 30 years of strong credit records with never a collection issue. Now I have a negative note on my credit report ; however no one has provided me with any record of this credit item and where or how it originated. This is impacting my finances as I have taken out other loans this year which have been at less than preferred rated due to this unknown and unverified credit date by Professional Finance. I would like this removed from my credit and my credit score restored.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a robocall that doesnt give you an option to contact them. They call several times per day. This last one they said nothing at all when I answered. I do not owe any debt. I have a credit score close to XXXX. Im sick of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
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 the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX : XXXX XXXX XXXX  Date XXXX : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF ED/XXXX XXXX DPT EDXXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 and Transunion are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number ****XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-09-23
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted Elan Financial Services. I made arrangements with XXXX to pay debt off {$99.00} per month on hardship and reduced interest rate. I have made the payments as directed and on time. Today at work on my work phone I got a phone call from Elan about the same debt I made arrangements to pay. For questions the company had been contacting at my cell phone. Why out of the blue after the debt is up to date am I being called at work.

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 2017-07-28
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.

Company response to consumer: Closed with explanation