BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Account Number : XXXX Original Creditor : XXXX XXXX Amount as Listed on Credit Report : {$560.00} This student loan is from over 8 years ago and was supposed to be paid by my grandparents. In XXXX I realized it was reflecting on my credit and I established a payment agreement of {$50.00} per month to pay off the debt with Heartland ECSI. In XXXX I reached out to Heatland ECSI, the company I made my arrangement with and to whom I had been submitting my monthly payments, to inquire about any possible settlement offer to pay the balance in full. I was told I needed to contact the company that owned the loan XXXX XXXX and was given a number to reach them. When I called the number provided to reach XXXX XXXX I was advised that they in fact do not own the student loan and they have been receiving numerous calls from other people referred from Heartland ECSI regarding the same issue. I then called Heartland ECSI back and spoke with another representative. I explained the situation again and was given the same number. After I insisted this company could not help me I was told that is the only information they had. I then asked what payment could be made to at least bring my account current so that it would stop reporting as past due on my credit report. I was given a past due balance of {$1400.00} and was told if I made that payment my account would reflect current. I would then have a remaining balance of {$610.00} and I could continue making the $ XXXX  monthly payments until it was paid in full. Based on this information on XX/XX/XXXX I made a payment of {$1400.00} mostly from my Stimulus check. On that same date my automatic draft monthly payment of {$50.00} also processed so 2 payments were made on XX/XX/XXXX totaling {$1500.00}. 

The following month I noticed the account was still reporting negatively to my XXXX  credit report as past due. I reached back out to the company and this time was advised because the total balance on my account was past due it will continue to report as such until it is paid in full. This was absolutely not what was advised prior to me making the lump sum payment. I then asked if I was able to pay off the remaining balance could I have the account completed removed from my credit and they stated this could not be done and would only reflect paid in full. I have still not been provided with the correct contact information for XXXX XXXX and Im continuing to have this account negatively impact my credit month after month. Currently this is the ONLY account showing past due or reporting anything negative to my credit reports and it is severely impacting my ability to refinance my home and showing my as having poor payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Clear Start Today
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a call from a clear start on XX/XX/20 saying that i can join an income based student loan forgiveness program which i accepted. They said i would be charged {$240.00} a month for 4 months than it would be {$78.00} a month. I recently contacted my student loan company and they informed me that i was scammed by Clear Start because their is no fee for income based repayment plans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-30
Company: Alliance One, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls my cell, my husband 's cell, and now my job from blocked numbers multiple times per day. Sometimes leaving a voicemail with vague information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just received my social security number in XX/XX/XXXX and got up to inquiries and accounts opened from XXXX. Informed the CB  that file was mixed and they stated that I needed 30 days to resolve. This has affected my opportunity for employment and when asked for them to produce proof that information was mines they could not.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-08-21
Company: Caliber Home Loans, Inc.
State: UT
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:
Caliber Home Loans is reporting an erroneous late on my account. I recently checked my credit file and noticed this late. I made my payment on a weekend and they didn't process it until Monday. Reporting this late is absolutely absurd. My payment was available to them on XX/XX/2020, that is not late! I have tried contacting the company directly but can 't ever get through to them through the phone. I was not late and never have been late on my payments on this account. I need this late to be removed/fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: NCC Business Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX   and XXXX  and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. 

I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.

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 2017-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to put a fraud alert due to recent data-breach with Equifax and so far no luck. Very un-ethical business operations from Equifax and they should be accountable as they allowed my XXXX data into bad-hands. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: LEXISNEXIS
State: WA
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:
LEXIS NEXIS HAS REPORTED INCORRECT ( FASLE ) INFORMATION AND NEGLECT TO CORRECT THE ISSUE. THEY HAVE ALSO REFUSED TO CORRECT MY NAME AS IT WAS USED IN FRAUD IN SEVERAL DIFFERENT STATES. I WAS BORN IN WA STATE UNDER THE NAME XXXX XXXX XXXX. I HAVE A BIRTH CERTIFICATE AND A PASSPORT TO PROVE THIS. I HAVE LIVED IN MY CURRENT ADDRESS SINCE XXXX IN WA STATE OF XXXX XXXX XXXX XXXX XXXX WA XXXX WITH THE PHONE NUMBER OF XXXX. 

DUE TO THE NEGLECT OF ADDING OTHER XXXX XXXX AND XXXX XXXX TO MY REPORT ROM DIFFERENT STATES, THIS HAS CAUSED ME DENIAL OF CREDIT, HIGHER INSURANCE AND TONS OF SCAM PHONE CALLS TO MY ENTIRE FAMILY, SPOUSE AND ME IN WA STATE. LEXIS NEXID NEEDS TO CORRECT ALL ISSUES ASAP AND SEND ME A CORRECTION REPORT. THIS HAS BEEN TWICE KNOW THAT I REQUESTED THIS. THE LAST TIME I DISPUTED INFORMATION AND REQUESTED TO HAVE REMOVE WAS IN XXXX. LEXIS NEXIS KEEPS ADDING ON THE NAME XXXX, AND XXXX FROM DIFFERENT STATES. I WOULD LIKE TO HAVE THIS CORRECTED AND MY LEXIS NEXIS REPORT FROZEN WHEN IT IS COMPLETED ON FIXING ALL THE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I sent a letter to XXXX and Experian notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. XXXX received the letter on XX/XX/2018and Experian received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 XXXX  and Experian have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.

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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX  improperly reporting chapter XXXX bankruptcy on a lHELOC that was sold to XXXX XXXX XXXX and paid in full in 2018.

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 2018-05-18
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute. 

Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute. 

As this is a clear violation of my rights remove asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received a phone call from a private phone number stating they had to serve at my home or my job and to find out more information I would need to call XXXX. When i called the number they threatened to sue me and take me to court for over 4,000 dollars and I told them I did not want to go to court. The debt that they wanted to collect on was more than 10 years old and has not been sent to me by a letter in the mail. I set up payment arrangements for the original amount of the debt which as XXXX initially and the on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX. They stated that because I did not have the money they could do a hardship and do the payment arrangements. They also stated that I had to stay on the phone and if I hung up at any time I would be sued for the money including court cost. After consulting a free advice lawyer they recommended that I look up the number to see if it is a scam and it is. They call their self XXXXXXXX XXXX XXXXXXXX and I talked to a XXXX XXXX. They had information that I thought a debt collector would know but the way the laser described the fraud of how they attempt to get the money was spot on. Do not give them your money!! Do not disclose any of your personal information to them. Hang up the phone!

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 2019-05-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my best buy card in full. 
Bill states they owe me a XXXX Then they add a XXXX late fee with interest attached to late fee. 
I called and tried to straighten it out. They refuse to remove late fee and interest

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 2018-07-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea who or what type of collection this is for. It says the original creditor is " XXXX XXXX '' and a balance of {$2100.00} This is not mine. Please delete. Never received anything from the XXXX XXXX and it appears to be an error. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I moved at the beginning of XXXX, and on XX/XX/XXXX changed my address, ALL my addresses, for my Wells Fargo accounts to insure I had no problems receiving my mail : I received confirmation of that change that day, and again on XXXX XXXX because Wells Fargo did not process the first change. Instead, mail continued to be sent to my old address, without explanation : I see the scans of my mail from USPS, including on XXXX XXXX, going to the old address, but it is never forwarded, and I have missed receiving two statements and other mail as a result. I have spent almost three hours dealing with this, including repeated trips to my old address by XXXX unsuccessfully to try to find the mail. Wells Fargos negligence was bad enough, but their offensive response, misrepresentations about what occurred and failure to address the issue are even worse, and typical of the bank. Their negligence has cost me more than three hours of phone calls, travel time, etc. and at least XXXX dollars. On XXXX XXXX, I spoke to XXXX, XXXX XXXX XXXX, who had the nerve to claim said they could offer no compensation because they cant identify their own employees, which is beyond absurd and completely legally irrelevant. They would have a full record of whom I spoke with, and regardless they have a record of the change of address being confirmed. The agent who allegedly then handled the complaint ( they have assigned it to numerous people who never reply, and have no internal coordination ) XXXX XXXX, XXXX XXXX XXXX, actually wrote on XX/XX/XXXX that Wells Fargo could find no record of my address change in XXXX, even though I have confirmation from the bank by email that it received and claimed to have processed the change. Wells Fargo then has the nerve to claim it is not obligated to send legally required documents to the correct address or at all. The bank is either beyond negligent or overtly fraudulent, and it has failed to deliver legal documents as required by law and its own contracts for two months.

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 2018-12-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest

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 2018-05-18
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello CFPB + Credit Collectors, I am a XXXX year old that started with credit early on. I made a lot of mistakes and everything got worse when I lost my job. I graduated from an intense XXXX XXXX program called XXXX. They train young individuals like myself relevant skills to survive in this thriving economy. When I lost my job it was unexpected. I had no idea the toll credit would have on my life. I am now in debt to all these credit card debt collectors. I would like a fresh start to all of this. I am ready for a new beginning. Below is some of the debt I have accumulated. I wish to get this debt off my back so that I can contribute to my neighborhood. I want to give back and help others but with debt I am completely frozen and am not allowed to do anything. I have learned my lesson. 

" XXXX XXXX XXXX , XXXX '' : {$630.00} XXXX XXXX : {$350.00} XXXX XXXX : {$820.00} XXXX XXXX XXXX , XXXX : {$960.00} I would also like to dispute a debt with CREDENCE RESOURCE MANAGEMENT LLC for {$1500.00} The confirmation number for this is XXXX. I have already payed this debt. Please help me settle this debt. I have learned my lesson with credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 while at work at American Express I received a text message in reference to my American Express Serve Account stating my account had a low balance. I immediately called to check my account and was informed of many fraudulent transactions. I filed a dispute with American Express Fraud Department. My account was issued a temp credit for a partial amount of the amount disputed. A few days later I was informed that my disputed had been denied, American Express Fraud Department claimed that all the disputed transactions were authorized because they were PIN based. I informed them that the transactions happened in XXXX, AZ on days and at times that I was on the clock with American Express in XXXX, AZ. I provided prof from American Express payroll department to American Express Fraud Department and still they refused to resolve my dispute. American Express Fraud Department mailed me a letter stating the temporary credit issued was now final to use the money without concern, but the temporary credit that they were referring to was less the half of the disputed amount. I immediately called American Express Fraud Department and was told that part of the claim was approved and part of the claim was denied. I requested for the claim to be opened again and a few days letter they informed me that now the entire claim was denied. I have requested documents from American Express in reference to research done by American Express showing cause for the denial of the dispute and American Express refused to provide those documents.

Company response to consumer: Closed with monetary relief