BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: LEXISNEXIS
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I found after several phone calls and investigative questions that a company by the name of LexisNexis reported false and derogatory information regarding an accident that I was involved with onXX/XX/XXXXin the fact that according to XXXX XXXX, their 3rd party reporting company " LexisNexis '' provided a report stating that the NE DMV records purportedly revealed that I was " At Fault '' pursuant to a Nebraska DMV record they pulled. Because of this information, my rates were provided at an increase for insurance product. In arguing the finding I was told that XXXX used this 3rd party reporting company and that there was nothing that could be done ... WHAT??? So I'm just supposed to sit back and eat that proverbial sandwich? Not hardly!

I immediately contacted the Nebraska DMV who provided ( at the cost of {$3.00} ) a report that clearly states " An entry for an accident which may appear below is for statistical purposes only and does not indicate a determination of fault '' and went on to describe the date and report number of this accident. Further, the Gentlemen at the Nebraska Department of Motor Vehicles stated that they do not provide any information of guilt or not for an accident, so they do not know where XXXX  or LexisNexis would have pulled this information.

I then personally drove to the XXXX  NE Police Department and obtained a copy of the police report from the accident which CLEARLY INDICATES that the other driver was AT FAULT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing me bodily harm and totaling the vehicle in which I WAS DRIVING.

This blatant and outright defamatory information that this 3rd party company " LexisNexis '' is providing to XXXX knows who is absolutely uncalled for and erroneous in every fashion with respect to this matter, in addition it has cost me at this point over 3 hours of my time and personal expense to correct an issue that absolutely otherwise does not exist in any NE DMV or XXXX  Police Department or public office.

I find this to be a gross negligence of their actions and a dereliction of their responsibility to properly report the public findings on me, and if this information is incorrect, what else is, and who else have they done this to that may or may not realize it ; especially when at the end of the day their negligence causes a rate increase that is not warranted or called for and blemishes my otherwise impeccable driving record!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CITIBANK, N.A.
State: MO
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 XXXX, I have called Citicard to cancel my Citi AAdvantage premium select card ( card number ending XXXX ) to avoid any annual fee. The agent talked me to upgrade to a Citi AAdvantage mileup card ( card number ending XXXX XXXX to avoid annual fee and will remove the annual fee charges on my AAdvantage premium select card. I agreed. However, after a couple of weeks, I noticed the annual fee still on the statement. So I called and was assured that the fee will be removed after the card is transitioned to the mileup card. 

After the card has been transitioned, I still see the annual fee, plus interest charges. So I called citicard again and demanded them to remove these fees and close this credit card account. I was told that they will take care of it and send me an email confirmation. 

I still see the charges on the statement, Citicard has mislead me many times, I'm not sure how to get help at this point. I hope you can help me. 

Thanks, 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 2019-04-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I formerly held accounts with Chase Bank. After getting married, my husband and I decided to close all my Chase accounts ( checking, saving, credit card ). Some time later, I visited the Chase branch in the city I had moved to and asked to close my account. The teller emptied my checking and savings accounts and told me I was " good to go ''. 

Being my first time closing an account, I took the teller at her word and left believing that my account had been closed. However, I did not discover that this was not the case until months later while visiting my parents. Because my account was not actually closed, the overdraft fee to keep my account open was charged to my credit card. Since the teller had not updated my information, the paper copies of my bank activity were being mailed to my parents house who live in another city. When I finally received the letters, it was months later. Had my personal information been updated, I would have been aware of the error and fixed it immediately. I had not ever been late on a payment before. In XXXX of XXXX I went in person to another Chase branch to pay the fees and ensure that all accounts were indeed closed. The banker was able to waive part of the fees considering the circumstances but did not pay it in full. 

My husband and I are now applying for a home loan but this misappropriated penalty is negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: First Associates Loan Servicing LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I attended XXXX XXXX in XXXX, Ohio. The school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for an education and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at the time. I was not informed that any loans that were to be a private loan. I have {$3300.00} still with XXXX XXXX  at 17 % interest currently. Although I am current and I have been paying these loans, but I have been having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquiry, I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a XXXX XXXX claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my XXXX XXXX claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
For the month of XX/XX/2017 I was given a late by 30 days from XXXX XXXX. There website was faulty and would not allow me to login to their portal to make payment before the due date. I would like this late deleted. There website was faulty and would not allow me to login to their portal to make payment before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena. 

The attorney never received the second motion, filed XX/XX/XXXX. She read my copy. 

Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well. 

I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost. 

If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it. 

Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX was the seller of XXXX XXXX XXXX XXXX La XXXX. The house went under contract on XX/XX/XXXX and scheduled to close on XX/XX/XXXX. The buyer of the home used wells fargo as their mortgage company. On Thursday XX/XX/XXXX Wells Fargo demanded that the seller ( XXXX XXXX ) submit the fully executed closing disclosure from the original purchase of the home. I found this request to be strange and after contacting the title company they advised me that this information was personal and not required. Because the home was off the market under contract and needing to be sold the information was reluctantly provided. An email with the information was sent to XXXX XXXX XXXX on Friday XX/XX/XXXX and he was unable to receive the emailed information until MondayXX/XX/XXXX. Once the document was reviewed, XXXX requested a clean payment history from the seller 's mortgage company ( XXXX XXXX ). I found this demand to be more excessive and unreasonable then the first especially since the title company had a payoff on XX/XX/XXXX from XXXX XXXX the mortgage company of the seller identifying the amount needed to establish clear title and transfer of title. I find these actions to be discriminatory, intrusive and unprofessional. An investigation into the amount of mortgages that are closed by Wells Fargo where the closing disclosure and payment history of the seller is required should be conducted.

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 2020-05-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I ordered a XXXX XXXX XXXX XXXX XXXX Calculator from a website that looked very legit but from whom I have never ordered before. XXXX When I checked online with Paypal to make sure payment went through I was surprised to find the seller 's email address looked very suspicious yet there was a XXXX tracking number that said my package was on its way. Needless to say, I never got it. I filed a dispute with Paypal and just learned that it was in favor of the seller! Today, I followed up with XXXX thinking it might have been a delivery issue and I found out that the package ( associated with the tracking number on PayPal ) was from XXXX, was delivered to a different customer at a different address, and weighed 33.5 lbs! ... a calculator does not weigh that much. The tracking number PayPal had was from a package that had NOTHING to do with me! Now I'm left wondering how does PayPal resolve their disputes. I called them and there is no customer service because of the pandemic, however, I did read on their site that they don't reopen closed disputes. Do they not follow up with the seller and delivery provider?! HAD they actually done their job they would have learned the same things I did. I have have been with PayPal for years, now I'm, wondering, why bother? Can you help? Here is the necessary information on that case : Dispute Case ID : XXXX Transaction Amount : {$67.00} USD Dispute Amount : {$67.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit inquiries listed on my Trans Union credit reportn are all fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019 and XXXX, XX/XX/2019

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 2021-05-25
Company: Google Compare Credit Cards Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I activated an offer for 35 % cashback on a XXXX XXXX purchase in the Google Pay App. I then made a purchase of {$29.00}. I am still waiting, a week later for the company to credit my account and the {$10.00} to show as pending. I have contacted Google 's useless terrible customer service numerous times and only receive the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is 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 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent correspondence to TransUnion via USPS Mail, they have failed to conduct a physical verification. I requested verifiable proof of accounts and inquires listed in my correspondence to TransUnion. The disputed information wasn't confirmed or verified, in a timely manner. This reporting agency still hasn't reached out to me. They must comply per their policies and remove reported accounts and inquires that they haven't verified in a reasonable time frame.

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 2019-09-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity-victorias Secret credit card. My first payment due date was on XX/XX/XXXX. I paid my balance, total payment of {$65.00} on XX/XX/XXXX. I didnt receive any mail from comenity bank only coupons from victorias Secret until the XX/XX/XXXX I received a phone call from comenity bank asking me to make a minimum payment of {$38.00}, so I asked Mr. XXXX ( the manager ) what he is talking about because I pay off my  whole balance, and I had never use my credit card, ( my balance was from the date I opened the account at the store ). And he said I had a balance of {$38.00} plus late payments and interest. I spoke to him for over an hour and he said I had to make a payment or my bill will be over {$100.00}, he couldnt do anything for me, He said I have to make my minimum payment and after that date he will put another charge of {$38.00}, we didnt have any agreements, I request my credit card statement because I didnt get one for over 2 months. He did send me one with {$28.00} late fee plus {$2.00} interest plus {$33.00} late fee and {$2.00} interest plus {$38.00}, {$38.00} my balance was now over {$90.00}. On XX/XX/XXXX I have another phone call from comenity bank to make a minimum payment of {$38.00}, I explained To the girl I dont owe them any money and explained to her everything and she just keep asking for {$38.00} and after midnight she will put another charge on my account. Several times I spoke to comenity bank managers and they just try to force me to make a payment of {$38.00}. At the end of XX/XX/XXXX I spoke to another manager she said she will reduce my payment to {$60.00} for me to pay my bill my husband was going to pay {$60.00} I was not agreed with that but I didnt want to deal with comenity bank anymore, but the manager tried to collect {$60.00} and she said she will add another {$38.00} late fee after the payment, so I refused to made the {$60.00} payment. Finally on XX/XX/XXXX, I spoke to another manager name XXXX, I told her what I had been going thru and I told her I agreed to pay the {$38.00} charge to get over this nightmare and she apologized for everything I had going thru and she took my payment and I requested a copy of my future statement with {$0.00} balance. Comenity bank affected my credit score with false fees, late fees, interest and bad managers that they couldnt explained me from where the fees come from. Also, they lower my credit card credit limited to {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We entered into a loan modification on XX/XX/XXXX, the terms of the modification were to be at a fixed reduced rate from XX/XX/XXXX through XX/XX/XXXX. We were told that if we made ALL of our payments on time that after the " fixed rate '' period they would re-negotiate our loan modification. After several months of back and forth, two loan modification packages, countless emails & phone calls the lender is not willing to modify our Option ARM loan whatsoever. It should be noted that when we originally got the loan in XX/XX/XXXX we were told it was XX/XX/XXXX ARM, we had no idea it was an Option ARM loan. Also, the final forms for our modification were forged by the lender, they are clearly not our signatures.Furthermore the lender just sent me an ACT 91 Notice on XX/XX/XXXX yet they have filed foreclosure paperwork with the courthouse. The contact information on the ACT 91 notice is false, the contacts do not exist, the phone number is never answered and the email does not work. We feel that our legal rights of due process are being violated as the lender is not following PA law. They are not honoring their prior commitment nor are they allowing us the opportunity to re-apply for a loan modification.

Company response to consumer: Closed with explanation