BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2017 a credit card was opened in my name by my ex spouse. I did not give her authorization to do that. After finding out about the credit card a couple of months later she told me that she would pay the money back and contact Navy Federal and let them know that I did not open this account. Ive tried disputing this account to no avail. This account has a tremendous impact on my credit report and its unfair that Im deemed ineligible for things due to an account that I never opened. I would like for Navy Federal to get this account removed off of my credit report as well as contact my ex spouse and put this on her credit report. Btw she has a bank account with this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a dispute regarding the debt to XXXX, XXXX, and XXXX. I submitted the cashed money order as proof of payment and should be removed from my credit report. It was removed and then re-reported. I submitted proof of payment to IQ Data International Inc at the following address XXXX XXXX XXXX XXXX, WA XXXX and IQ Data International XXXX XXXX  XXXX XXXX, WA XXXX which is the collection company that purchased the XXXX account. It has been over 30 days and months of issuing letters and it is still being reported incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Payment made on XX/XX/2018 to mortgage company in the amount of {$1800.00}. This payment was for the due date XX/XX/2018. This payment was credited to XX/XX/2018. 

A mortgage servicer took over the mortgage. 

The payment due XX/XX/2018 was made on XX/XX/2018 to the mortgage servicer in the amount of {$1800.00}. The mortgage servicer credited this payment to XX/XX/2018. 

Numerous attempts ( 13 phone calls and 3 emails ) have been made to get the servicer to apply the payment made on XX/XX/2018 correctly. To date, they continue to say " it is being researched ''.

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 2018-06-13
Company: CNG HOLDINGS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018, I opened a citibank checking account under the following promotion : " XXXX XX/XX/XXXX XX/XX/2018 Retail Checking XXXX AAdvantage Miles Offer ( Promo Code : XXXX ) '' Under the terms of the promotion, if I completed the following two required activities within 60 days of account opening : 1 ) {$370.00} in debit card purchases, and 2 ) Download the Citi mobile app and log, then I would be rewarded with XXXX miles added to my XXXX XXXX account within 90 days of completion. 


I have proof of activity 1 on page two in the attached bank statement. Activity 2 is proved by the existence of a " mobile check deposit '' which is a check deposit done via the mobile app ; this appears on the same statement. The above two activities posted on XX/XX/2018 which was within the 60-day deadline. 


Citi already has my AAdvantage account number, XXXX, because I have an AA cobranded credit card with them.

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 2018-12-24
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out previously around XXXX regarding this debt ... that I do not recognize .... I was previously a victim of identity theft and as a result of my identity being stolen accounts using fake addresses have been used to open up accounts in my name this account is a result of that identity theft and needs to be removed and my letters regarding this account have gone largely unanswered so I am choosing to address this issue through the cfpb to see if I can get some help fixing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
0n XX/XX/2021 I mailed a letter to Capital One regarding my account ending in XXXX seeking more information about the denial of my request for a credit line increase. 
Under the Equal Credit Opportunity Act, I have the right to know the specific reason why my credit line request was denied. Although I have been a Capital One credit card holder for decades with a credit score in the 800 's with a credit utilization less than 5 %, the only response I have received is that the recent use of this accounts existing credit line has been too low. Since this is not specific, it is requested Capital One provide the specific factors based on my credit profile that was used to deny my request for a credit line increase. A letter was received acknowledging my correspondence but did not offer the information requested. Instead I was asked to call and speak with a Customer Service Representative. I would like to have the reason regarding my denial in writing based on the Equal Credit Opportunity Act. 

The letter mailed is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I began the loan modification process in the Spring of XX/XX/XXXX. All paperwork was signed and completed and returned to XXXX XXXX in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at XXXX XXXX. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to XXXX XXXX not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: PLANET HOME LENDING, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I received notice of School Taxes due which I submitted immediately to Planet Home Lending. My account activity with them indicates that they paid the {$3400.00} due on XX/XX/2018. I then received notice from the Taxing Authority on XX/XX/2018 that the taxes were not paid. I called Planet Home Lending and the Taxing Authority to try and resolve. After reviewing my account activity on XX/XX/2018, I noticed that it appears the Taxing Authority was paid a second time on XX/XX/2018 for the same amount of {$3400.00}. However, the Taxing Authority states that they were never paid the first time. My escrow account should have been re-credited for the first payment made on XX/XX/2018. Planet Home Lending has refused to reimburse my escrow account for the first payment made which was not received by the Taxing Authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE

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 2018-12-24
Company: JPMORGAN CHASE & CO.
State: NY
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:
Im writing this letter to disput a claim that is falsely reported on my credit report. The company name is chase, they claim that I owe {$6000.00} which is not true, I had several fraud charges on my card I contacted chase about it they did not resolve the issue. I submitted some of the fraud transactions at the bottom of the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The XXXX blocked me from going into my account and making the XX/XX/XXXX payment and I was told by XXXX  around XXXX  XXXX XXXX that the Loss Mitigations department locked me out of my account. I couldn't login. I called again and spoke to XXXX around XXXX and she indicated that the department of Loss Mitigations lifted ban, she stated that I can now go on my account and make my payment. I went back online and still could not pull up my account. She allow me to make a one time free phone payment which would have cost me {$12.00} plus my late fee of {$10.00}. I have a witness to the whole conversation. I have been making payments on time never 30 days late. The last payment I made was on XX/XX/XXXX in the amount of {$1300.00}. I needed help back in XX/XX/XXXX because of medical leave XXXX  and I applied for loss Mitigations. The underwriter proposed some type of trial payment plan for three months {$1400.00} and I refused and email them stating I wasn't interested. I have never been blocked before up until today. I still login my account. I have to deal with unpleasant people every time I call. The attitude I get from them is that they are doing me favors.

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 2020-06-29
Company: EQUIFAX, INC.
State: MO
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:
XXXX  XXXX XXXX and Equifax all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX, Fortiva closed my credit account ( ending in XXXX ) without notification. They continued to charge a {$12.00} monthly fee. According to the account agreement, this fee would be charged in any month during which their was a balance on the account. There was a balance on the account until earlier this year XXXX XXXX ). On XX/XX/XXXX, the balance of the account was paid off and stood at {$0.00}. 

In early XXXX, XXXX I received a text message from Fortiva saying that my credit card payment was past due. I logged on and noticed that Fortiva had added a {$12.00} fee to my account for XXXX, XXXX and XXXX. These fees are not included in the cardholder agreement, since there is not a balance on the account. I called Fortiva Customer Service, and asked them to ensure the account is closed and to remove the fees totaling {$37.00}. The fees were removed, but now, over a week later, I logged on and I see that the {$12.00} fee for XXXX has been re-applied to my account and this account is now officially a zombie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: MD
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:
My Chapter XXXX Bankruptcy was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with all three Credit Reporting Agencies and I am not disputing. It will be 10 year showing on my credit report in XX/XX/XXXX. I am currently in process of trying to refinance my house. I am just humbly request that this information be considered for early exclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I havent been able to use or spend more than {$500.00} a day, even if I have 10 times that in my account. I have to pay rent in segments and sometimes I cant buy food on days that I have to pay bills. 

This has went on for three years. 

I try to no longer keep anything in my bank account now unless Im planning an online bill pay. 

Ive ran XXXX  on myself. 
I cant find anything on myself causing this limit. 


Ive spoken to Wells Fargo so regularly about this. 

I cant even use direct deposit because theyve tried to hold my deposits for as long as two weeks, even if its a routine biweekly deposit that Ive been receiving for two years and even if there wasnt a hold, I only would have access to a small percentage of it.

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 2021-05-08
Company: EQUIFAX, INC.
State: TN
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 a victim of Identity Theft, someone has access to my personal information and it ruining my credit by applying accounts that I have no knowledge.

Company response to consumer: Closed with explanation