BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-02
Company: Experian Information Solutions Inc.
State: FL
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:
This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.

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 2018-09-02
Company: EQUIFAX, INC.
State: FL
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:
This is the 3rd time I have had to file a complaint with the CFPB on XXXX XXXX to get this corrected. I really dont understand. I file a complaint. XXXX XXXX removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize XXXX XXXX has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. XXXX XXXX misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. 
XXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. 
Any assistance would be greatly appreciated.

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 2020-11-23
Company: EQUIFAX, INC.
State: PA
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 and I write to dispute certain information in my file resulting from the crime. The accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I have an account XXXX XXXX. I have challenged this account and gave them evidence that this account over charged and XXXX   motivated when opening this account. The seven years have arrived and this account is over the staute of limitation as I live in Georgia ( 6 years ).

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 2017-11-06
Company: NCB Management Services Inc.
State: ME
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:
Apparently XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania has repeatedly phoned my friend 's house demanding to speak to me about a debt. My friend has already told them I do not live there and asked them to stop phoning. NCB staff are phoning my friend every single day. When my friend picked up the phone yesterday, the caller was completely silent. This appears to me to be deliberate harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My complaint is related to a COVID-19 small business grant awarded to my business. XX/XX/2020 I received a grant from the XXXX County small business association. The money was for payroll and other  business needs. While in the process of closing my account I didn't realize and forgot to update my info with the business association. The grant was deposited a few days after closing of my account so I contacted the bank and explained the issue, I was asked to provide proof of business. I have provided proof they asked for but they have yet to return my money. I have been hung up on and recently been told I wasn't any where in there system as a client. I get transferred from person to person and treated very poor by citibank staff.

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 2020-05-30
Company: Experian Information Solutions Inc.
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:
Account with XXXX XXXX XXXX was opened in my name fraudulently. Have notified XXXX via phone and provided a statement. This is the second time i've disputed this information and it still reports to my credit report. Balance of {$1300.00} nor the account belong to me.

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 2018-06-19
Company: CITYWORTH MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX, my compliant is regarding XXXX XXXX, Loan Processor with City Worth Mortgage. During my working with XXXX XXXX there has been several mistakes ( not completing employment verification in a timely matter, not following up with landlord for documentation, not explaining how overtime would effect the home purchase process and not returning phone calls ) that he has done throughout the mortgage process of trying to purchasing a home. Tuesday, XX/XX/2018 around XXXX my Realtor who has been working with to closing on house ( XXXX XXXX XXXX XXXX, TX XXXX ) called to inform me that XXXX XXXX told him the deal cant close because of my overtime. This angered me because he never told me that my overtime was a factor into me getting this home. Also, he talked about needing to have 1 year of overtime history without my knowledge. My agent told me that XXXX told him that him and his processor overlooked a form that supposed to be filled out by my place of work but they overlooked. City Worth Mortgage with the many errors and delays by XXXX XXXX has made me lose my Earnest Money {$2100.00}, Option Money {$150.00}, Inspection {$450.00}, Appraisal {$600.00}, missing about 4 days of work to make sure everything is completed without any problems. Also, I am paying month to month because I was told by XXXX that we were on schedule to close for XX/XX/XXXX. 
Below are everyone who was involved in trying to close of my home that I really wanted but due to miscommunication, lack of information and no follow up I have lost the home and I have to start all back over in looking for a home again. Please help! I can be reached at XXXX XXXX XXXX, Loan Processor XXXX XXXX XXXX XXXX, Closing XXXX XXXX Ext : XXXX XXXX XXXX XXXX, Processor XXXX Ext : XXXX XXXX XXXX XXXX, Mortgage Banker-Team Lead Cell # XXXX Office : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BMW Financial Services NA, LLC
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: Problem with personal statement of dispute

Complaint:
We leased a new BMW on XX/XX/2020. Then COVID-19 happened. My husband is an XXXX and became completely consumed with responding to COVID calls around the clock at the height of the pandemic in our area. In addition, we both had to work remotely, adjust our family with XXXX kids learning remotely etc. 

We had a major delay in getting all mail that was to go to my husband 's office, and mail in general. Due to this chaos of the situation, I missed payments on the BMW. Once I realized that I missed payments, I paid all in full. 

Here are dates of payments : XX/XX/2020 we picked up the car from the dealership XX/XX/2020 made a payment of {$440.00} XX/XX/2020 payment made of {$1300.00} ( three payments ) XX/XX/2020 payment made of {$440.00} XX/XX/2020 autopayment made of {$440.00} XXXX after this date monthly payments have gone through automatically. ) I also found out that BMW made a report to the credit agencies right away which severely damaged our credit, making financing no longer an option. We had a loan in the works which we no longer could get.

I contacted BMW multiple times, and they stated they called us ten times to my husband 's office, which we have no record of at all. This was being monitored as part of his work so it was very concerning that they stated this. In addition, I have record of delays in the mail from when I sent a letter to BMW and it took almost a month to arrive.

As it was clear we were responding to a global pandemic, and not trying to get out of payment, I was hoping BMW would reverse the report on our credit. I sent multiple letters to BMW and later tried to access their Consumer Complaint Department. I was denied any assistance each time.

I will upload all correspondence, copy of statement from BMW, copy of statement from XXXX XXXX  showing payments, photos of credit scores and documentation of delay in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On my reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA NA # XXXX, Date Opened : XX/XX/2015. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA NA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: JPMORGAN CHASE & CO.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i called to dispute XXXXXXXX XXXX made on XXXX with slate card my whole aprty got sick and no one has responded to us. I called chase and she starts asking me what happened how did you get food do you still have the food things i have never been asked before. i am a good customer here and just want my money back please help me no one responds from restaurant. this request has nothing to do with the fact someone used my card last weekend.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly asked Caliber representatives to provide me, in writing or on their website, the breakout of my monthly mortgage payment - escrow portion. They refuse and will only provide TOTAL escrow amount of monthly payment. I believe as a consumer, it is my right to know how the combined monthly escrow amount is apportioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. 

On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.

On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. 

I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. 

Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. 

As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. 

My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. 

By far, the worst customer service I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: MI
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 RECOVERING VICTIM OF IDENTITY THEFT, AND ALTHOUGH THE FRAUDULENT ACCOUNTS WERE REMOVED FROM MY CREDIT REPORT, THE FRAUDULENT INQUIRES HOW EVER ARE STILL REPORTING ON MY CREDIT REPORT. XXXX XXXX, XXXX, XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Took out 4 separate Citibank Student Loans while in college in XXXX. 
I then entered XXXX XXXX XXXX in XX/XX/XXXX ( ironically due to being laid off by Citibank ). 
While stationed overseas as of XXXX, XXXX, the accounts were transferred to XXXX, XXXX for servicing in XXXX XXXX. During this time, I was also XXXX enrolled in XXXX  classes during the Fall XXXX and Spring XXXX, as well as Fall XXXX. 
I returned to the US in XXXX XXXX and in the Spring XXXX, I came out of student deferment, yet it was unclear to me that Citibank had changed their internal SCRA policy to a maximum of 36 months for military service. This was an extended point of contention between myself and XXXX. 
Later, I XXXX on orders in XX/XX/XXXX, of which I informed Ms. XXXX XXXX of XXXX via email on XXXX XX/XX/XXXX. We had to go back and forth several times as their system would not accept my payment due to programming issues. I submitted it on the XXXX, but by the time the payment actually posted, my account went to collections on XXXX XXXX to XXXX XXXX XXXX XXXX. 
Aside from that, I contend that I invoked my SCRA benefits prior to the account going into collection. I also argue against the charge-off credit reporting by XXXX for these accounts. 
Upon my return in XX/XX/XXXX, I was placed on orders again to Indiana in XX/XX/XXXX. Between my return and now, I contacted both XXXX and XXXX XXXX numerous times on how I can remediate this account given my XXXX  status. Associates stated they would have to get back to me, but no response was provided. 
Then, for some unknown reason, on XXXX XX/XX/XXXX, Citibank recalled my accounts from XXXX XXXX. I called the Citi Assist Help desk on XXXX XX/XX/XXXX, asking why Citi had recalled the account, to which the associated stated XXXX status. If the accounts originated with Citibank, and they are now with Citibank, how are they charged off? I suspect this has to do with my numerous inquiries and XXXX status. 
Associates at both XXXX and XXXX XXXX have been very helpful, yet it is the office at Citibank that is not forthcoming with details. They simply state I owe the entire balance and that the charge off is valid. If it was valid, why did they reclaim it from XXXX XXXX. The already received the tax write off for these monies, but still want to collect on it. Shady. As an ex-Citi internal auditor, I can say this is nothing new. 
While not explicit in the XXXX verbiage, the intent is to provide a degree of protection for single military service members such as myself, who struggle with the constant XXXX and changes in duty stations. My mailing address has changed 10 times in 10 years. So when Citi makes changes to it's policies ( say, due to a XX/XX/XXXX CFPB ruling of Citi bank lending malpractice ), I receive zero notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: NIC, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX   for {$260.00} when I did pay the balance. I just want this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: NY
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:
I have a Citibank ThankYou Visa card. On XX/XX/XXXX, I paid the outstanding balance of {$33000.00} in full via a transfer from my Citibank checking account. On XX/XX/XXXX, the same payment was again transferred from my account. 
I called the credit card customer service and asked to get my money back to my checking account. I spoke with XXXX ( XXXX ) who promised to expedite the refund. 
On XX/XX/XXXX I called again, and ask to speak with a supervisor. I was told that it takes up to 10 days to issue a refund, and there was nothing else she could do about it. 
On XX/XX/XXXX I also spoke to my Citibank branch in XXXX, and they called on my behalf and received the same answer. 
On XX/XX/XXXX again the Ciitibank branch called on my behalf, and was told that it will take a few more days to issue the refund. 
Today is XX/XX/XXXX and I still do not have my money back. {$33000.00} is a lot of money, that I need to get back, and nothing is being done. I would hope you can help in getting my money back into my checking account immediately. 
Thanks, 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 monetary relief
Consumer complaint received 2018-11-07
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2018 about XXXX XXXX my mother who is the co-signer on the loan contacted Navient and paid part of what was due. At that time the customer service agent told her that the loan would be brought to current and the next payment would not be due until XX/XX/XXXX. Since that time I have gotten 19 harassing phone calls and counting telling me that my loan is past due. I called yesterday ( XX/XX/18 ) at XXXX to ask why I was still being called, to which the customer service person told me that there was a note on the file and it was the case that the loan was brought to current but took some time to reflect that as it was paid on a Friday. I'm not sure what day it was paid on has to do with anything or why they can't see the note on file. After talking with them my mother and I have both received emails today ( XX/XX/18 ) saying the the loan is past due and to contact them immediately. I had previously received an email that said that my contact information may be outdated and to contact them, which was another ploy. My mother and I both feel we are being harassed about an issue that they have said was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: TN
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:
On theee occasions by certified mail I requested u see 606 that I be provided with proof and method of verification on several accounts because these accounts were verified with NO investigation no information was corrected or changed even the status date was years before the dispute. Further, they provided no proof of method of verification. They lied about verifying information andrefused to delete after missing the 15 day deadline. The rules say that they must delete accounts they do not provide proof of verification and they refused and ignored me.

Company response to consumer: Closed with explanation