BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had no knowledge of this cat until unexperienced boost and I had a collection deck from XXXX XXXX am I done it was for {$440.00} am I had no knowledge of the deck try to dispute it and it was opened on XXXX of XXXX from probably XXXX XX/XX/2019 XXXX XX/XX/XXXX I was in I was city from all that time I was XXXX  I had XXXX  XXXX XXXX XXXX and XXXX   XXXX and I didnt even get out of bed for 3 1/2 months never left the house we moved from XXXX XXXX  to XXXX Im at three people my husband my stepdaughter and her boyfriend took me to the car never left the houseI didnt know anything about it until I went to collection and it was on my credit report and I disputed it and they say that thats mean its from Jefferson Capitol systems XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to make a purchase at Best Buy on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at Best Buy assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted Citibank by phone and was told it was an XXXX  issue. I contacted XXXX and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to XXXX was on XXXX XXXX and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from XXXX  was XX/XX/2020 stating that my initial fraud alert has been placed with the XX/XX/XXXXfor 1 year. I have Not gotten anything in the mail from XX/XX/XXXXregarding this issue. They have failed to rectify the problem.

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 2021-09-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On Thursday, XX/XX/2021 I tried to access my credit report via XXXX but received an error message that stated " Based on the information provided, we are unable to verify your identity ''. During the COVID-19 pandemic, I should be able to access a free weekly online credit reports. Why am I not able to access a copy of my credit report. Please send a copy of my CREDIT REPORT AND CREDIT FILE to my email address. I have included evidence that I was not able to receive my credit report, along with ID and paystub to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In my previous CFPB complaint XXXX, Fay Servicing responded with lies. 

During the pandemic, millions of mom and pop landlords like me lost rental income and were forbidden to file eviction by the federal and state laws, yet Fay Servicing was free to file foreclosure while my account was under loss mitigation review. 

Fay Servicing took advantage of the pandemic and generated exorbitant fees in filing the wrongful foreclosure. Fay Servicing is purposefully keeping my foreclosure case open at the court for the sole purpose of generating fees perpetually. 

Fay Servicing offered me a forbearance plan, in which the first trial payment is not due until XX/XX/XXXX. Fay Servicing also filed foreclosure on the same day. The foreclosure was not on hold as they claimed in the CFPB response. I was served with summons on XX/XX/XXXX. My account was reinstated on XX/XX/XXXX. 

Fay Servicing lied about my foreclosure case status in their response to my CFPB complaint. Fay Servicing presented a notice of voluntary case dismissal and discharge of XXXX XXXX dated XX/XX/XXXX in their response to CFPB. The facts are : 1. I never received the notice in the mail as the counsel stated in certificate of service. 2. The notice of voluntary case dismissal was never filed with the XXXX circuit court. The foreclosure case is still open and actively against me because this notice of dismissal is not effective until it is properly filed with the court. Please see the attached for the foreclosure case detail. You can also find the case status by this link https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The total legal fees in connection with the wrongful foreclosure are {$5000.00}. The highly paid attorney purposefully never filed the notice with the court so they can continue to generate fees on me. This mistake is by design to keep the case open and continue to generate fees on me. 

Fay Servicing LLC, you are put on notice. I will pursue justice either through legal action and or social media campaign against you. You should immediately remediate your wrong doings against me. You cant hide under the cover of Regulation-X and making all the exorbitant fees without consequences. 

Please file the notice of voluntary case dismissal and discharge of XXXX XXXX with the XXXX circuit court immediately and refund me the advance in the amount of {$3800.00} that I have paid and discharge the outstanding fee in the amount of {$2300.00} in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a personal loan account with OneMain Financial Co. I had an automatic draft on my bank account for {$220.00}. due on XX/XX/XXXX. On XX/XX/XXXX, I called the branch manager to move the date to XX/XX/XXXX, since I receive XXXX on the XX/XX/XXXX Wednesday of month. The branch manager billed me that day XX/XX/XXXX, which over drafted my account and caused a domino effect of over draft charges. On XX/XX/XXXX, I made an office visit to address my issues on my account. The company gave me a {$36.00}. refund check for the over draft fee and meanwhile offered me additional money. I accepted an additional {$1500.00}. loan to address additional over draft charges that I might occur. I was told that they would refund my {$220.00}, and I wouldn't have to make a payment until XX/XX/XXXX, the new amount would be {$240.00}. mo.. I asked for my pay dates to occur on the XX/XX/XXXX Wednesday of the month ; I was charged {$34.00}. extra for the first payment {$270.00}. due on XX/XX/XXXX, which I paid {$270.00}, on XX/XX/XXXX. Over a week later, I received a {$220.00} refund check. On XXXX XXXX, I received a statement for {$500.00}, due on XX/XX/XXXX. stating that I was in the arrears and they wanted the {$220.00}. returned. Also, with them giving a check for {$36.00}. over draft because of their mistake ; they charged me {$34.00}. for an additional 10 days ; so they only refunded to {$2.00} for over draft. I received several phone calls demanding return of the {$220.00} ; and there was no 10 day grace period allowed for the initial payment. I am current on my {$240.00}. payments and do not feel that I should return the {$220.00}. when it was not even due until XX/XX/XXXX. The company made a mistake in their transactions and they want to hold me liable for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I would like to dispute the charged off account established by Nissan Motors Inc., dated 2017. I was a co-signor and unaware of such a charge off. The vehicle company never reached out to me regarding the account whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Manhattan Beach Venture, LLC
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The Student Loan Relief Department contacted me last year ( XXXX ) regarding federal student loan relief based on my income. XXXX XXXX XXXX was the Enrollment Advisor there who took my income information and family size and submitted my application for the program. He advised I was approved and that XXXX XXXX is the third party that would pay off my federal student loan debt and auto debit my newly revised payments of {$39.00} per month. Recently, I received emails from XXXX, my federal loan servicer saying I owe over {$400.00} if I do n't reenroll in the Income Based Repayment plan by XXXX/XXXX/XXXX. So come to find out that The Student Loan Relief Department not only did not pay off my loan, they charged me for a free service I could have done myself. My federal loans were already consolidated so I 'm not sure what I actually ended up paying for. The SLRD also provided me with a temporary username and password for nslds.ed.gov to check my federal debt but I fear they changed my security question answers and information so I ca n't log on and check my balances. I have yet to be able to access my information on that database. I have tried to get in contact with this company for months to no avail. I have left countless email messages and voice messages trying to speak to someone regarding this issue to no avail. They have several different phone numbers but none of them seem to work.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX I purchased several items online from XXXX using my TD Cash Card. One of these items was on backorder and didn't ship until XX/XX/XXXX, which was posted on my XX/XX/XXXX statement. This was for {$9.00}. Since I was not using this card and since I had electronic statements I neglected to pay this amount on time. Once I realized this mistake I promptly paid this amount in full on XX/XX/XXXX. However there were late fees charged to the account so on XX/XX/XXXX I call TD Card Services and they agreed to waive a number of the late fees and we agreed that if I sent them an additional {$9.00} this would settle the account. Again, I have not used this card since XXXX, XXXX. I promptly sent them {$9.00} via electronic check which credited my account on XX/XX/XXXX. 

Today, XX/XX/XXXX I received a notice that my account balance is now {$130.00}, all late fees and interest in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07
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: Their investigation did not fix an error on your report

Complaint:
Constantly calling and and communicating to NO avail. I am believing that b/c I am Not a paying customer they report inaccurate info, even when they got all evidence from myself and consumer. When I called Experian THE AGENT WAS DOWN RIGHT RUDE, I HAD TO ADDRESS IT ON XX/XX/2018 AFTER CALLING 10-15 TIMES. I got online and complained about their communication tactics.

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 2019-04-08
Company: SLM CORPORATION
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a victim of identity theft, and have notified the owner of the fraudulent loans, Sallie Mae, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Sallie Mae that I have not received any response to, and will provide a summary of my dispute below.

The following Sallie Mae loan account numbers have been obtained in my name without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX On XX/XX/2017, I receive a phone call regarding the above-referenced loans and was told that I needed to pay a large sum of money immediately for a loan that I supposedly co-signed for or I would be sued and taken to court. I said that I have never signed or agreed to any such loan. I immediately obtained the number for the fraud department and called. I have been attempting, since receiving notice that there was fraudulent loans in my name, to alert Sallie Mae and remove the loans from my name and off of my credit report, but no action has been taken by Sallie Mae, and I have never received any responsive communications addressing the loans or  what steps they were taking to investigate my situation. 

As stated in my attached identity theft affidavit, I have not opened any student loans or co-signed on any student loans with Sallie Mae. The accounts cited above are harming my credit, have caused harassing phone calls, and have harmed my financial situation and my quality of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
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:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Citibank is the most unprofessional Bank covid-19 crisis I miss one payment and it decrease me down to {$300.00} Citibank cancel my account and I would never go back on and I would never trade with any retailer credit cards y'all have I want the world to see this y'all stay away from Exxon Mobil credit 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 explanation
Consumer complaint received 2019-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a XXXX yr old female in XXXX, Nebraska going through a divorce and opened an account in matrimonial site XXXX. A person named XXXX XXXX XXXX contacted on website and later texted on XXXX. His phone number is XXXX XXXX XXXX. He said he is an architect, widowed and has a son in XXXX. His son also contacted me from phone number XXXX XXXX XXXX saying his Dad asked him to connect with me. After few days he said he is going to XXXX for an ongoing construction project where he is getting millions of dollars back. From there he said he needs money because he got stuck with the materials at port need to be shipped and company is not sanctioning money at this stage because the project is not completed. He begged for help and asked for a temporary loan to wire transfer to his friend in Florida XXXX XXXX on his Fifth Third bank account number XXXX in Ohio. I did send wire transfer from my bank XXXX XXXX XXXX XXXX XXXX {$50000.00} on XX/XX/XXXX. After that he kept asking more and more facing more issues and I sent several other transactions from my XXXX XXXX XXXX total of {$71000.00} wire, plus {$3000.00} by XXXX XXXX Tracking Number XXXX XXXX XXXX on XX/XX/XXXX and {$1000.00} XXXX XXXX cards for his son.Total money lost is {$120000.00}. On XXXX, he was planning to be back and return money, he did not show up. I suspected fraud and informed my banks and police. His friend XXXX whose number is XXXX contacted and said that he is sick and admitted in a hospital in XXXX asking for more money for his hospital bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/19 Capital One took a double payment for the statement balance on my account in the amount of {$4800.00}. I called in to ask the bank to reverse one of the two payments and they refused. I requested a supervisor and spoke with XXXX, operator # XXXX supervisor at Capital One bank, I then asked about getting a ACH sent back for one of the two double payments and they said they needed to call my bank. I allowed that in a conference call and my bank confirmed that a double payment had gone through. Capital One then told me they were going to make me wait 3 weeks for the refund to be processed. This is entirely unacceptable to refuse to reverse a payment and hold my funds hostage for 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: AK
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Files are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: ALLY FINANCIAL INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-05-06
Company: Experian Information Solutions Inc.
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:
Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 1 ) XXXX  XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXX XXXXInquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX  XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 14  ) XXXX-Inquiry date : XX/XX/XXXX 15  ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXX XXXX Inquiry date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX Please find attached documents, in case if you did not receive attachments below is the link to download them. 


Below is the link to documents for confirming my identity : 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