BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-14
Company: The CMI Group, Inc.
State: GA
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 recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are XXXX visits to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in XXXX  I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX!!! Im in the midst of trying to make a police report and get this handled.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Going back to XX/XX/XXXX/XX/XX/XXXX when i was laid off from my job i went to Citimortgage for a modification for my main loan and my secondary loan, i asked them to modify them both and to combine them to assist me with being able to afford to keep my home. Citimortgage only modified the main loan, jumping to XXXX, the modification request i put in in XXXX they finally decided to work on without my knowledge, and thus stopped applying my payments to my account, yet my account has accured late fees of over {$100.00}. yet i have records showing that my payments that are due by the XXXX of each month, but no later than the XXXX where sent by my bank, just not applied to my account, by Citibanks choosing as they tried to process a decade old modification request. I never received any decision or notice to why they never approved or denied my modification for this loan in XXXX, yet now i am being penalized with late excessive late fees. At this point i am frustrated and dont know where to turn to make this right, it just appears i have no support in the federal government against unethical and possibly illegal mortgage companies. In XXXX after i turned my home to a rental property, Citimortgage sold the main loan to a company called greentree without my knowledge, so why i continued to send payment to citimortgage my alleged new account with XXXX became delinquent. by the time i fixed the issue, my loan was then sold again to XXXX. I first dont understand how loans that i am responsible for paying can be sold without me knowing or even agreeing to, but yet Citi kept the smaller loan and appears to be mismanaging 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 2019-08-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. XXXX XXXX XXXX XXXX,		XXXX XXXX XXXX and	                  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 2022-08-12
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) 1906****Balance : {$550.00} XXXX XXXXXXXX XXXX*Balance : {$760.00} XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXBalance : {$10000.00} XXXX XXXXBalance : {$310.00}

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 2022-08-12
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$550.00} XXXX XXXX 474438200006****Balance : {$760.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX*Balance : {$10000.00} XXXX XXXXBalance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 {$500.00} I told the bank that I was cheated by XXXX  agent scam and want to withdraw the payment. They told me that they can not do that while transaction is still pending at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XX/XX/2021, Portfolio Recovery has been calling me nearly every day from a different phone number every time. ( The number provided was the most recent used number as of this report. ) Most times I decline the call and block the number, but the two times I did answer it to ask them to stop calling, the other end was dead silent. Occasionally their numbers leave a short voicemail on my phone -- less than 10 seconds on average -- with a partial XXXX or American automated voice recording. 

I've looked up this company and it seems they're a legitimate debt collector ( XXXX-accredited ). I don't have any past due debts, so I'm not sure why they're calling or whether they have the wrong person or what. 

I did receive several calls and undetailed voicemails from a XXXX XXXX ( an unfamiliar company I have no debts or business with ) about a month before the Portfolio Recovery calls started ; so I wonder if these companies are connected ; whether the former is, again, pursuing the wrong person ; or whether these companies have anything to do with each other. I'll point out that neither company has mailed or emailed me about any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I RECEIVED A LETTER IN THE MAIL PERTAINING TO A RENTAL COMPANY CALLED XXXX. DOESNT SHOW DATES OR AMOUNTS OWED OR MEMBER NUMBER. IDOTN EVEN OWN A MEMBERSHIP WITH THIS COMPANY AT ALL. BUT I DO RECALL MY INFORMATION STOLEN BY XXXX XXXX PATIENT. I DID REPORT INFORMATION STOLEN AT THAT TIME AND GOT REPLACEMENT OF ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30
Company: Carvana Group, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XX/XX/XXXXand XX/XX/XXXXhave reported a 30-day late payment/payment status on my credit report, which I am not late.This late payment reported on XX/XX/2021, which the account is not 30-days late at all. In addition, I have contacted the company, which is XXXX XXXX XXXX, on XX/XX/2021, on that Saturday. Once I contacted XXXX XXXX XXXX regarding the late payment, they told me that they did not report that 30-day late payment and their records show that I am not late 30-days. Also, they stated that their system does not show 30-days late and their system shows as pays as agreed. So, I am puzzled on how that late-payment got on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was sent some money and. For whatever reason they sent a email saying they were going to close down my account due to suspicion but they was not closing it under any penalties or nothing bad against my account and they were going to transfer my money to an account that I had connected to my Capital One account or send it in a check within 10 to 12 days and I havent done either one nor did they shut down my account why I have an eight yet received my money and when will they be shut down the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had 5 accounts that had been placed with Midland Credit Management ( MCM ). When I contacted them to reach an agreement to pay these accounts I was told that if I paid them they would immediately delete them from my credit reports. I paid them but they did not live up to their end of the agreement. They sent letters stating that I " have no further obligation to this debt. '' Only one letter was sent saying that they would remove the account from the credit bureaus. They removed this one account from XXXX and XXXX but not from XXXX. This company is causing me financial hardships by not living up to their end of a mutually agreed upon settlement. I have filed multiple disputes with the credit reporting bureaus only for MCM to " validate '' these debts. They will not work with me in correcting these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: CrossCountry Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to close a mortgage with Cross Country mortgage since about XXXX of last year. 
Half of the problem was I needed a co signer, that was corrected and I was told We were approved. 
I can not get a loan decision yes or no from cross country mortgage. I was transferred from loan officer XXXX XXXX to an associate XXXX, to loan officer XXXX, all tried their best but were limited by someone or something. I was then transferred to manager XXXX XXXX, who made it seemed she could handle the situation, she was incorrect. She's been on this a month and made no progress except to aggravate us with missed appointments and phone/text " tag ''. My next call was to the company which is evidently a franchise or similar. I called XXXX and spoke to XXXX, he really did care and got some action from the franchise we are dealing with. He was able to get XXXX at XXXX to call me within 24 hrs!! 

I spoke to XXXX he said he needed time, that was four days ago. There has be no communication since phone, text or email. 

Supposedly we had a rate lock, and a pending approval, however conveniently my appraisal expired as did the current pay stubs. So I had to pay for another appraisal and have hr departments do all the work again! 
So here I am 1.5 months later with no decision, as I understood there were questions from underwriting. No one has communicated the questions to me in any way, email, text, or phone call. To date this year I have not received a loan number Do I need a lawyer?? 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: AES/PHEAA
State: MA
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:
At the end ofXX/XX/XXXX, I submitted my annual recertification paperwork and required supporting documents. I checked off the box asking to be changed to a different loan repayment plan if there was one available with a lower monthly payment. I was then notified at some point that there was a different plan with a lower monthly plan. It was never explained to me that switching plans could take multiple months to process and in that time I could not make qualifying payments, or that I had the option at that point to cancel my request and stay with the same plan. I have not been able to make a qualifying payment towards the public service requirement for XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I have made multiple phone calls to ensure that they have everything they need, to find out why it is taking so long to process. Every representative I have talked to has given me different information. I called on XX/XX/XXXX after receiving an email on XX/XX/XXXX, that my payment for XX/XX/XXXX would be over $ 3k. the Representative I spoke to at that time told me they would submit my forms for expedited processing and that they did not know why my application was so delayed. I spent 45 minutes on the phone with them. I called again on XX/XX/XXXX to check the status of the expedited processing request had happened. I spoke to a supervisor who informed me she would send and expedited request, because the representative on the XX/XX/XXXX did not do so. I called again today and the process still had not been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted this company after seeing an account from them reported to my credit ( XX/XX/2022 ) The amount of the debt owed had changed from the original creditor 25 %. I requested an itemized statment, and was told by the rep that they had already sent one out. It is a violation per FDCPA to refuse to send out an itemized statement. Not only are the charges for this debt questionable but CBSA can not tell me the original amount of the debt, any payments made toward the debt. They referred me back to the original creditor, stating that they don't own the debt. I reached out to the original creditor who then referred me back to CBSA. I have no contract with CBSA nor do I owe the debt they are claiming. This needs to be removed from all credit bureaus immediately. The Texas Secretary of State website does not show CBSA as a third party who is able to operate in the state of Texas. They also do not own the debt, and I don't owe it. This is illegal per the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CITIBANK, N.A.
State: NY
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:
I have an autopay set up to draw the amount equivalent to a statement balance on a Citibank credit card from a connected checking account at XXXX. On the due date (XX/XX/2019) Citibank attempted to draw the balance from the connected checking account at XXXX. However, there were not sufficient funds in the checking account and the payment did not go through. I made a "manual" payment, in excess of the statement balance, and Citibank accepted it on XX/XX/XXXX.Despite accepting the manual payment, Citibank continued to attempt to draw the statement balance from the XXXX account two more times, on XX/XX/XXXX and XX/XX/XXXX, which resulted in additional overdraft charges applied to my XXXX account.In this situation, Citibank is a lender who returns again and again to demand money even *after* having been paid back. This activity results in exposing the customer to repeated overdraft charges from another bank. Citibank officers claim that "this is just how our system works," and that they "cannot reimburse overdraft charges from another bank." They also claim that their system does not recognize when the account is in the black—the bank just blindly makes three attempts at autopay regardless of any intervening payments even if the customer has already paid *more* than he or she owes.

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 2017-07-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX representing Midland Funding have been harassing us for over 2 years. We went to court on XX/XX/XXXX and settled for {$1200.00}. We were making {$100.00} payments a month to the address that we were given. All of a sudden we started receiving letters from another attorney stating we never made these payments and that we owed over {$1700.00}, we went ahead and made to more payments in the amount of {$100.00} each and again several months later we received a letter from another attorney stating the same thing. They tried to serve us again in XX/XX/XXXX, in XXXX XXXX they would n't let us pay the amount owed and we ended up paying another {$1600.00} to close the account. Now the account showed up on my father in laws credit and they are claiming it was n't paid. We have all the paperwork they have sent along with receipts of our payments and yet they continue to harass us and are trying to serve us again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an accelerated savings account at Citibank last summer. On XX/XX/XXXX Citi, without my knowledge and approval, withdrew all my principal and earned interest ( 0.5 % yearly ) and kept it all to itself ignoring my requests which started in early XX/XX/XXXX when I read my monthly statement and noticed this withdrawal. Finally, following CFPB inquires at my request, Citi used XXXX XXXX XXXX XXXX  on XX/XX/XXXX to send a check to me for the amount they withdrew on XX/XX/XXXX, ignoring the fact that they owe interest to me from that date ( XX/XX/XXXX ) to the date they decided to mail the money back to me ( XX/XX/XXXX ). It is a shame that a national bank such as Citi plays these little tricks on people trying to save relatively small amounts with them. They know very well they needed to return the money and delayed the return until I found the support of the CFPB and only after the CFPB asked them. Citi knows very well who I am because for years I have used one of their credit card as my primary one and never I have had any problems with my ID, payments and credit union account that I also use to open and feed the infamous Citi savings account I opened with them last summer. It was a series of mistakes Citi employees made that caused this problem and I, the client, paid the consequences so far. I would appreciate your help to get what is mine, the interest ( 0.5 % yearly ) not paid by Citi while they kept my money from XX/XX/XXXX to XX/XX/XXXX. Thank you.

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