BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Discharged debt {$490.00} was discharged in bankruptcy. Still in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Prior to 2014 I satisfied my debt with Citibank Dividend Platinum MasterCard. I was contacted by a company that refused to provide their name and information. They claimed to be the " Claims Dept '' with number XXXX. I was threatened with a lawsuit of over {$4000.00} if I did not pay. They also made claims that a certified letter was sent and signed for by my family.

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 2019-03-14
Company: Receivables Performance Management, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not have a contract with this company and this debt isnt mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My prior complaint number is XXXX. On XXXX XXXX, XXXX I sent a letter to Citibank requesting information about my student loan - I have not received a response. Today, XXXX XXXX, XXXX I am sending a 2nd request.

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 2019-05-05
Company: Superior Adjustment, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Called company and they were aware it was submitted to insurance wrong. I am 100 percent XXXX veteran and the XXXX XXXX XXXX was paying for all my visits tests etc. I also have XXXX for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account 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 2018-08-07
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had a XXXX  prepaid card and had several foreign transactions that were unauthorized I disputed the transactions totaling {$1300.00} they promised the issue will be resolved within 10 business days which was supposed to be set for XX/XX/2018 I called and the company told me it won't be resolved until XX/XX/2018 almost 5months! From my initial dispute date I want a full refund from this company they closed my account so I cant receive my provisional credit I need you to step in thanks. 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 2018-08-07
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please accept this qualified written request for the following document relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. A copy of a XXXX XXXX for SunTrust loan number XXXX. Thank you, 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 2020-05-01
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When calling the creditor to discuss, I am not getting an answer. I was never reached out to by the bank, nor the creditor about this " charge '' alone, even prior to the account being sent to collections. The account was not an active account.

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 2019-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Three issues : 1. Online chat showed conversations of MANY other customers ' conversations. The messages clearly demonstrate that other customers are seeing threads that do NOT belong to them. This is a huge legal and compliance issue. 
2. Account is not activated when agent said it was. This is lie and deceit. 
2. Business card accounts can not be registered or managed online. This is a known issue without deadline for resolution. 

Details below : Opened a CitiBusiness AAdvantage Platinum XXXX card in XXXX. 

Two weeks later, finally received card in the mail. 
Same day, I try to activate it online. Keeps saying " information is incorrect. '' A week later, I get text messages AND mail that there was fraudulent activity on my account. 
I call Citi Customer Service three times. Open online chat. 

Citi agent, on the third time, asks : Did you call a week ago? We suspect it's fraudulent call, and may need to close your account. 
After explaining that was me trying to activate the card, he said the card is not yet activated. 

I was then transferred to a rude agent, who was not trying to help at all. 
I have spent over an hour with a large Financial institution, and during this whole time, have not been able to use the card for a single transaction. 

After being transferred again, the Citi XXXX XXXX team tells me that it is a known issue that business customers can not register the card online nor manage it. There is no time for resolution.

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 2020-02-04
Company: Nelnet, Inc.
State: SD
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:
On my credit report from all three bureaus, it lists several of my federal student loans were 90 days past due in XX/XX/2015. I was in school full-time during this, so it should have been in deferment. I have filed two disputes at all three credit bureaus, and a message to my loan servicer Neltnet. They have denied to fix, despite me sending in a transcript showing I was in school and only have included a note from me that I dispute. This is causing me to get denied for housing, car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started working on this foreclosure in XX/XX/XXXX. As you will see in the documents we received several offers. One was selected and we worked with the lender Wells Fargo to provide all information required. The process was frustrating as Wells Fargo kept changing negotiators and then told us we had not communicated with them when information was requested.

Several call were made to Well Fargo as documents were sent in repeatedly which was never acknowledged. Finally There was a three-way call with my short sale specialist, XXXX XXXX, XXXX XXXX, Myself and Wells. There is correspondence on XX/XX/XXXX regarding communications and missing documents. It appears the short sale was back on track per the documentation dated Tuesday XX/XX/XXXX, asking for additional documents including increasing the sale price to market value of {$120000.00}. Once the information was updated and sent in, the file was apparently dropped. 


We had another conversation with Wells Fargo who informed us that the file was closed. We then brought in a short sale expert, XXXX XXXX, who has an extensive track record with difficult short sales. We resubmitted the short sale packet with a new buyer as the original buyer grew tired and frustrated of time time and lack of communication from the lender. 


Finally on XX/XX/XXXX, we were notified that that short sale was denied. No reason was given and we were told that there was no recourse. 


We have included all the email chain from the 2nd short sale submissions for you review, along with some of the prior correspondences. We realize this is a tight time frame, but our goal is to delay the foreclosure and be given the opportunity for XXXX XXXX to sell the property at a reduced cost and not have her credit more negatively impacted than it already is. 


We feel that Wells Fargo and the investors of the property did not provide ample opportunity or feed back for a successful short sale and manipulated the process so that it would fail. It's feel like a predatory situation and needs to be addressed. 


Please see our document attached. Due to the volume I may have to send multiple emails. 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 2019-05-05
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX  {$3400.00} XXXX XXXX XXXX {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX/XXXX {$430.00} XXXX  {$18000.00} XXXX XXXX {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me.

Sincerely, XXXX XXXX XXXX Cc : 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 2018-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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 status incorrect

Complaint:
Portfolio Recovery Associates is listing 2 separate accounts as in an open status. They are both from the same creditor XXXXXXXX XXXX. They are both paid collections and should be listed as a closed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance

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 2018-08-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.

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 2020-09-22
Company: National Credit Adjusters, LLC
State: KS
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:
They keep calling my job and home on a daily basis 2-3 times a day. using different numbers. threatening to sue me for an old debt. 

I've asked them to send me a letter but they want. They have all my personal information so there is no reason for them to keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Clarity Services
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: Information belongs to someone else

Complaint:
ID theft victim XXXX, XXXX  and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.

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 2018-08-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX, XXXX, a call was placed to Navient to discuss repayment options. I was Instructed to call back in XXXX, since my loans were in a grace period until XX/XX/2018. XX/XX/2018, I called Navient and explained that financially I could not manage the current loan payment and I was seeking an alternative payment plan. I was told that there were no options since I have a co-signer. My co-signer called Navient and gave a financial statement with the goal of reducing the monthly student loan payment. Again, I was told they could reduce payment by XXXX dollars a month, forebearance or refinance. On XX/XX/XXXX I called again with the intent of lowering my monthly payment. I was told there were no options. I filed a temporary forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I came across this hard inquiry when reviewing my credit report. 

The company is called Capital One Bank USA Date : XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: SELLING SOURCE, LLC
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: Information belongs to someone else

Complaint:
ID theft victim XXXX, XXXX and XXXX all have other data reporting reports that is unfair not notifying the consumer of other agency they use when we opt out of everything

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A private loan in the amount of {$8100.00} with an unknown co-signer was taken out in my name without my knowledge for the date of XX/XX/XXXX. I was attending XXXX in XXXX, Florida. They closed the school, I did not finish the semester. I did not receive the funds, they were sent directly to the school. Sallie Mae was the original borrower before they became Navient. I received letters stating loans were consolidated. ( I also had Federal loans from a different School ) I received a letter several months later in XX/XX/XXXX, also stating that only one payment a month was necessary and they would disburse it between the loans. I was not aware that a private loan was included. So I made payments on this private loan for several years before I realized it was not a loan I had signed for. I attempted several times to correct this with Navient. I was told that there was nothing they could do. I requested all paperwork that they have. I have received copies, however, these copies have been altered by Navient themselves. This loan was opened fraudulently and mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian shows collections from XXXX XXXX XXXX for XXXX XXXX XXXX. I have called XXXX twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?

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 2019-05-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Wells Fargo Visa credit card back in XX/XX/XXXX. During the application process, the representative who put my SS number through, got it wrong. I repeated myself at least 3 times too. It has been XXXX ever since. Each time I call, the automated service denies me as a customer. I have called for two months about this issue and I get the same run around response ... '' I have forwarded your complaint to the executive office. Someone will call you back within 2-3 days. '' They are full of it. No one has called!! 
What I don't understand is how I even got approved? They tell me they can find me in the system but it is WRONG through the automated service. How can they mess up something so important?? And it's evident they are not taking this complaint seriously. I am tired of trying to resolve this with them. I even mailed out my correct SS number on a form and it's STILL not corrected. I'll never do business with them again after I pay off this card!!

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 2019-05-05
Company: Thaxton Investment Corporation
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:
I'm written this complaint because I am a victim of fraud and the company name are Quick credit in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX  they remove the fradulent account but XXXX I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to XXXX I want it remove from my credit report this not my account

Company response to consumer: Closed with explanation