BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX, XXXX Citibank, NA XXXX Box XXXX XXXX XXXX, SD XXXX XXXX simplicity Account ending in XXXX. 

To whom it may concern : Regarding my recent late payments in relation to my medical issues. 
I am requesting late charges be waived and removed from my account. 
And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered.Your understanding is kindly appreciated. 

Respectfully, 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 2018-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 shows late payments and I have never been later.   They say that on there end they don't show late payments.  I contacted them last on XXXX XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Nelnet, Inc.
State: DC
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 chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO:XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXXXXXX XXXX XXXXXXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX , AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB CARD 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( JPMCB CARD XXXX, JPMCB CARD XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Ocwen Financial Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, 30 days late payment on the dates XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This is my office work number we are talking about at my work.XX/XX/XXXX XXXX: Got this collector from Cash Call calling me at my work number talking down to me and would not stop or listen to me and just rudely interrupted me and kept on over voicing me. I told him that this my work number and to call me again .XX/XX/XXXX XXXX: Calls back again telling me that he'll call me as many times as he wants and there's noting I can do about it - As I am telling him off, he thinks it's the funniest thing in the world. I warned him that I will report him if he continues to call me at work.he said he will continue to do so as long as he pleases and I hung up again and didn't answer my own work phone anymore.Got pretty sick and couldn't work until XXXX XXXXXX/XX/XXXX: Calls again and we end up in another yelling and screaming contest, where he is saying that the calls are being recorded and i better talk to him otherwise he would play them to my supervisor so he can hear the language I am using and what kind of a person I am. Again I am telling him not to bother me with his calls again at work and again he is saying that he will continue doing that. Now determined to file a complaint I ask him for his number he says as he gives it to me there we go, call me when you calm down and we can talk again. I hang up.XX/XX/XXXX around XXXX: I have a voice message on my work number, ridiculing my work title and ordering me to call him back at the XXXX number - I assume this a variable drop and get a new number type thing, because there hasn't been any reports on it yet, so all this stuff with proper caller ID etc per FCC + FTC guidelines are a joke for cashcall and nobody steps on their toes.I know he will not stop, so I will not be answering my WORK phone for a while because of this XXXX until I get a response from the CFPB, while I look for a good attorney to get the voice recordings and sue the fine people involved in this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX # XXXX, DOXXXX, Amount {$2000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX  XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX XXXX AC XXXX XXXX, DO : XX/XX/XXXX, Amount {$750.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$180000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, AC # XXXX, DO : XX/XX/XXXX, Amount {$15000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, Ac # XXXX, DO : XX/XX/XXXX, Amount {$20000.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$8600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible. 
XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$2600.00}, This account was opened fraudulently contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

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 2018-01-04
Company: HW Holding, Inc
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cleared my apartment on XX/XX/XXXX-2012 With a move out balance of XXXX  dollars. Due to being XXXX XXXX Military and leasing with this company I had to enroll in the RPP program to protect service members as well as the company leasing the apartment. I have no clue why they charged me and continue to effect my credit. Attached is the document signed by myself and XXXX XXXX XXXX manager in 2012. I finally found this document when going through old files.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is reporting a balance of {$410.00} to the credit bureau. I sent letters to the credit bureau requesting information on this debt. All three credit reporting agencies replied that the collection agency has verified this debt. 

Then I sent a letter to the collection agency requesting additional information on this debt. I asked them for the signed contract or credit application from the original creditor to file police report or report identity theft. 

As of today, they have not replied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I purchased an XXXX XXXX  XXXX XXXX in the amount of XXXX from XXXX using my XXXX XXXX XXXX XXXX. When the device turned out to be defective, I attempted to contact the manufacturer on XX/XX/XXXX for warranty service, only to discover that XXXX was unwilling to honor the lifetime warranty for the device. XXXX has informed me today that it is XXXX policy that a manufacturer's refusal to honor the terms of its warranty cannot be a legitimate grounds for disputing a purchase, even in a circumstance such as mine, where there is no option for returning an item via mail that was purchased online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Lendmark Financial Services
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have sent a cease and desist letter to this creditor and they are still contacting # s that was on that cease and desist letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
I am in the process of purchasing a home, I was informed of a collection amount of {$91.00} through XXXX XXXX which is not a company I have ever had an account with. I called XXXX XXXX and they confirmed that my information is not associated with any account previous or current. I then called XXXX to get the collection agency contact information. I called CCS collection on XX/XX/2022 to ask them if I pay this debt ( which has been confirmed to not be mine ) if they would send me a deletion letter. I was told that yes, if I pay this amount in full, I would receive a deletion letter confirming that it would be removed from my account. I still paid this debt that did not belong to me, in order to be able to quickly proceed with moving forward with purchasing my home with the understanding that it would be removed from my report. I have not received a deletion letter, and CCS collection is not responding to my requests for the letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fraudulent reporting by a company called LVNV FUNDING on my credit profile. XX/XX/2020. 
I've written this co. Requesting validational of alleged account. They have yet to provide, nor can they provide information. 
XXXX refuses to remove it claiming its valid but will not provide me with validating documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617.
Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file.
Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a collection in the amount of {$34000.00} on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) I have tried numerous times to obtain from XXXX XXXX documentation showing proof of this debt. I have not had any response nor have I received any documentation proving this debt belongs to me. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2018-01-04
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was sent a credit card offer from Chase Bank for a XXXX XXXX credit card. The offer said that if I get the card and spent {$3000.00} in the first 3 months that I would get 50,000 bonus miles for XXXX XXXX. I applied for the card in XXXX of 2016 and I was approved. I called in to Chase Bank to see if I would qualify for the offer and they said I would get the offer. I spent more than the {$3000.00} limit to the get the offer. I canceled the card and chase told me that the miles would expire in 2 years. After my account was canceled my miles disappeared. I have been trying to work with Chase to get these miles back but they said that m account was purged. I did nothing wrong and now chase will not work with me to resolve this issue. The account number on this closed account was XXXX. I have also received a letter from Chase saying that I was supposed to receive the bonus. I will attach that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
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:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.

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 2018-01-04
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON X/X/2018XXXXXXXXXXXXXXXXXXXXXXXX

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 2017-07-27
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law, effective XX/XX/2017, any public record data must include name, address, dob, and ssn in order for it to appear on your credit report. The credit bureau has not updated the information, and per the new law a true bankruptcy that is listed must include this information or be deleted from my credit report.

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX 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