BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Weinberg Mediation Group LLC
State: NH
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:
On Tuesday, XX/XX/XXXX at XXXX XXXX EST, XXXX XXXX from XXXX XXXX called my work. I advised him that he was calling a business line and can not call this number. He then called back three times in a row and left the following message. 

XXXX XXXX Voicemail from XXXX. 
52 seconds Good morning calling regarding XXXX XXXX. My name is XXXX XXXX calling with the Weinberg Group. Our firm was retained to a mutual client with obviously you have no intentions on setting up any kind of voluntarily payment arrangement just your history and hanging up and ignoring our collection efforts. We are gon na recommend a judgment to be filed against you to secure that final balance that is been unpaid since XX/XX/XXXX. If you'd like to give a statement or have any legal representation please contact our office. You do have eight of the reference numbers that we will be calling. You can call me directly at XXXX ext. XXXX. This will be our final notification. Thank you. 

Then on Wednesday, XX/XX/XXXX at XXXX XXXX  EST he called my work again and I did not pick up. 
XXXX XXXX Voicemail from XXXX. 
1 seconds This person called but did not leave a message. 

XXXX XXXX EST on XX/XX/XXXX, he called again and I did not pick up. 

XXXX XXXX EST on XX/XX/XXXX, he called again at which point I picked up and I advised him again that he was calling a business line that does not allow these calls and not to call again. 

He called back at XXXX XXXX EST on XX/XX/XXXX and I again advised him not to call this number, it is a business line and it is not allowed. 

XXXX XXXX  EST XX/XX/XXXX, he called again, I did not pick up. 

This is beyond harassment and he is knowingly putting my job in jeopardy. This is very unprofessional and needs to stop. He has my personal phone number, there is no reason for him to call and harass me at work repeatedly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Rushmore Loan Servicing LLC has offered us a Trial Modification Package for us to restart paying our mortgage debt. We received their offer dated XX/XX/XXXX demanding a payment of {$3400.00} up front and then a monthly {$1700.00}. However, they have only included a penalty amount of {$44000.00} and have kept the total modified amount unstated. <P/>We accepted the trial modification offer but have asked for the total amount that we would be paying towards. I sent them a certified letter on XX/XX/XXXX asking for the total amount, what this amount would be applied towards i.e. when would the Trial portion end, and how they calculated the loan affordability. I stated that the $ XXXX/monthly demanded payment was too high relative to our stated gross income of $ XXXX/monthly. <P/>Initially they agreed that they would get back to us and clarify our questions ; but now they have called on XX/XX/XXXX threatening that if we do n't follow through with the  demanded payments they would pursue foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX located in XXXX, WA claims that I owe a debt of {$120.00}, and the original debtor is XXXX. I sent a letter of dispute via certified mail to Convergent on XX/XX/2018, it was signed for on XX/XX/2018. I requested that this debt be validated by way of a legally binding contract bearing my signature. Convergent responded claiming that the debt is verified, and sent a phone bill. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does NOT constitute verification. 
I sent a second letter via certified mail, which was received and signed for on XX/XX/2018. Today is XX/XX/2018, and Convergent still has not responded with competent evidence BEARING MY SIGNATURE. This is a violation of FCRA & FDCPA. It is evident that this company can not validate the alleged debt, and therefore the entry needs to be requested for deletion by the credit agencies.

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 2018-10-26
Company: BARCLAYS BANK DELAWARE
State: NC
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 customer service

Complaint:
Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. 
XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. 
They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. 

The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/

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 2018-10-26
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
ATTENTION DISPUTE DEPT. TODAYS DATE : XX/XX/XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX   Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: HI
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 disputed this collection on this XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I would like to opt out of all Trans Union, XXXX, XXXX  pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : 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 2018-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I've had Capital One Credit since XX/XX/XXXX. It was my first credit card and I was beyond happy that I had gotten approved, being that I was fresh from college. Long story short things happened in my life and I lost track of my payment due date one month in particular, XX/XX/XXXX, after having 8 on time payments, I missed that payment. With everyday life circumstances going on in my life, moving to a different city, life as a young mom it was stressful. However, it's now XX/XX/XXXX and I have NEVER missed another payment with Capital one since, and this one missed payment is having a negative impact on my credit and is causing me to suffer from advancing in my personal goals. I've been so loyal to the company that I applied for another Capital One Journey Credit card and was approved in XX/XX/XXXX, and I've never been behind on my payments. I'm just praying that someone can help me out so that I can further my future for the sake of my family. This issue has been a nightmare to me, because I'm really trying to obtain a high profile job with my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm currently going through a drawn process of disputing and removing a fraudulent item on my credit report from EXPERIAN. 

In XX/XX/2016 an account stating that I owed XXXX XXXX XXXX an amount of {$5700.00} appeared on all three credit bureaus. After I noticed this error I immediately had a fraud alert place on all my credit reports from the credit reporting agencies then disputed them ; this took some time but eventually, I successfully had this entry removed from my XX/XX/XXXXand XX/XX/XXXXcredit reports having proven my identity was stolen and used for fraudulent purposes. 

Experian has given me a very hard time in removing this entry, I have disputed this entry from XXXX XXXX XXXX through Experian over several occasions and have not been successful, each time the entry comes back as verified also no method of verification was stated to me for my records. I have sent multiply documents to Experian more than proving that this item is an account due to fraud and nothing has been done. 

This run-a-round has cost me my time, money, and opportunities due to this account. Ps. I've also tried contacting the furnisher of this account XXXX XXXX XXXX XXXX XXXX and have never received any response. Experian now REFUSES to dispute any disputes I submit pertaining to XXXX XXXX XX/XX/XXXX which is gross disregard of my rights according to the Fair Credit Reporting Act. 

I am completely holding Experian responsible for all damages caused to credit information they possess under my name. 

I aslo want to be absolutley clear that I am submitting this complaint of my own accord.

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 2019-01-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
As an uninformed XXXX-year old, I took out student loans through Sallie Mae for my XXXX degree between XXXX and XXXX. I was not well-informed on the difference between a fixed-interest rate and a variable-interest rate, and was thankful for any loan that would help me pay for my college degree, as my family could not help me with tuition. While I was in school, the interest rate on one of my Sallie Mae loans sky-rocketed to 14.75 %, which quickly caused the loan amount to double from {$20000.00} to over {$40000.00}. I was eventually able to refinance this loan to a lower, fixed-interest rate through a different company, but am stuck paying off $ XXXX in interest before I can even touch the actual money that I borrowed. In the last three years, I have been able to pay off a little over {$5000.00} of this loan. 

I have three additional loans that were taken out through Sallie Mae ( one each year of my undergrad ). These loans were sold to Navient approximately 3 ago where their interest rates remained low ( at first ), but still variable. Over the past year and a half, I have watched my interest rates slowly creep up higher each time I begin to make some progress in paying down one of these loans. I had to enter interest-only payments in order to be able to ensure that I could afford payments. I was eventually able to start applying extra to these loans each month, and although that amount was small, it allowed me to pay off {$10000.00} over the course of three years ( XX/XX/XXXX - XX/XX/XXXX ). Unfortunately, over the course of those three years, I have paid Navient a total of {$22000.00}. Please note that this amount only includes those payments made since Navient has taken over these loans and not any money that was paid to Sallie Mae. 

I have continued to try to refinance these loans for fixed interest rates including applying to Navient itself, as I received a mail notice that I was applicable to refinance. Unfortunately, despite an excellent credit score and a perfect payment history, I have been turned down over and over because I do not have anyone that can or will cosign for me. As an XXXX, I do not make a large income. At this point, just over half of each month 's paycheck is immediately allocated to student loans ( both private and federal ). As of today, my interest-only payments have ended on these loans with Navient. Not only has my required monthly payment doubled from {$350.00} to {$700.00} ( I was previously paying {$500.00} per month in order to work on paying them down ), but the interest rates have once again increased 0.25 %. 

If I am not able to get these loans refinanced, I fear that the interest rates on them are going to skyrocket like the previous one did under Sallie Mae 's management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CCS Credit Consulting services employees are rude, impolite and they are harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: FIRST HORIZON BANK
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in XXXX XXXX, NC and recently suffered significant damage to our home from Hurricane Florence. We are working on a claim with our insurance company and just received our first check for restoration. In that we have a mortgage, the insurance company check is made payable to my wife and I along with the mortgage company. I have contacted the mortgage servicing company 's " loss draft department '', and have tried all week to talk with a person about my situation and circumstances. Despite repeated requests, I can not get a return phone call from a supervisor. I want sent instructions and forms, but they do not apply to my situation. The procedure described in the forms are for individuals who are trying to get the insurance check cashed to pay for the restoration. I'm different, in that I've already had work done and paid for the work out of pocket, and I'm presently out of pocket approximately $ 50K. I need to be repaid personally. I can not establish contact with the mortgage servicing company and I have not been provided any forms which address my situation and circumstances whereby I have already paid for the restoration work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
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:
I was fraudulently charged. Citi attempted to charge me an additional {$800.00}, claiming I received more credits on my account, although they did not appear on any statements and were not reflected in my balance. It took about 30 min on the phone to resolve the issue. I am concerned that they will double-debit other customers who are unable to understand the process and recover the funds.

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 2018-08-01
Company: EQUIFAX, INC.
State: SC
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 reached out to Equifax to get some unauthorized accounts that do not belong to me off my credit report. They have failed to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Bread Financial 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 status incorrect

Complaint:
I have never been late paid all payments on time. this is effecting my life with this inaccurate. 
1.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX business credit card which should not be on credit may and XX/XX/2018 XX/XX/2018 XXXX XXXX   never late XXXX XXXX XX/XX/2018 XXXX XXXX note my account for XXXX  XXXX XXXX never late XXXX XXXX  and may this has happen before

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Mother XXXX XXXX, passed away on XX/XX/XXXX. She opened up a US Bank Platinum Visa Card XX/XX/XXXX. Her payments were set-up as autopay from her checking account above minimum payments were paid monthly as she was able to make them. She was responsible for keeping track of her finances. 

To my knowledge she added me as an authorized user of the card when her health declined in XX/XX/XXXX. In spring of XX/XX/XXXX I reviewed her credit card bill and found many charges she did not authorize. I contacted vendors to reverse charges as I felt elder abuse was happening to my Mom. Her health was declining and her ability to manage finances declined. All US Bank credit card bills were mailed to her residence I did not receive bills. 

On XX/XX/XXXX the account was closed.While my Mom was in hospice her mail was forwarded to my address. Shortly after that the bank informed me I was responsible for this debt. The current balance is {$4900.00} I was offered a hardship payment plan for $ XXXX/mo for five years or a pay off for $ XXXX.I refused due the fact this is not my debt A letter has been sent to the Minnesota Attorney Generals office to US Bank . The bank still claims I am responsible. I dispute this claim as I had no idea I was listed as a co-owner, I am XXXX years old my only income is social security I am debt free other then the mortgage on my house. I still need help to settle this issue and restore my credit.

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