BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My ex-wife made me an authorized user on her credit card accounts without my knowledge. Once our divorce was finalized, she agreed to the conditions that the judge approved. She was directed to remove me from her accounts and to not put me down as a authorized user again and to not apply for anymore credit cards in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Macy 's numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Macys XXXX XXXX XXXX & XXXX Sincerely, 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 2016-09-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I did not received my Citibank Credit Card statement for XX/XX/XXXX resulting in them assessing a late fee of {$29.00}. I remember that I had an outstanding balance on my card and went online to check when the payment was due, I found out that the payment was due the next day. While I was online, an attendant reached out to me and asked me if I wanted to talk. I explained to the person that I did not received my monthly statement XX/XX/XXXX resulting in me not making my payment on time. the attendant reviewed my account and stated that since this will be my first late payment, he would go ahead and waive the later fee. I made the payment ( total principal outstanding ) that day via ACH and thought that that would be the end of that. However, I received an email in XX/XX/XXXX stating I now owed {$58.00} which reflect pyramid late fee. I called back to discuss my account and was told that the person who told me the late would be waived made a mistake and I would have to pay the late fee. I think I should not have been assessed any late fee in the first place because the bank did not provide me with a statement which they are required to do 21 days before the payment is due. In addition, pyramid fees is not allowed. Please advise me if I am interpreting the card act incorrectly. Your assistance 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 monetary relief
Consumer complaint received 2018-05-26
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Harvard Collection added two files to my credit report. I have disputed this in XX/XX/XXXX and again in XX/XX/XXXX with the aforementioned credit bureaus due to the fact I have never signed a contact or have an account with Harvard Collection. To no avail they did nothing. In XX/XX/XXXX I sent a letter asking the company to verify and validate said files. Attached is the letter that was sent. No contract bearing my signature was sent which was stated in the letter that was sent. It is illegal to have this on my credit report and I dont have a contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: MARINER FINANCE, LLC
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: Account status incorrect

Complaint:
XXXX was taken XXXX company has not respond for reporting two different accounts one paid and one I never had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Well i have both federal and private loan. I graduated college only owning XXXX dollars. I got out of college and did not get a high paying job and had other bills to pay. Well they steered me towards forbearance on federal loans and gave me low income based repayments plan for my private loans, never telling me that the interest alone would raise my principal by double ... I now pay close to 500 dollars a month for federal and private loans and i now owe around 58000 dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a membership at XXXX. During their switch from XXXX XXXX to Citibank for credit card processing, a credit card account was opened in my name with Citi XXXX without my consent or approval to the terms and fees therein. Membership dues were subsequently charged in the amount of {$110.00} on the Citi card. I have contacted both Citi and XXXX and, although they state that this is a legal transaction, I feel that it is a fraudulent practice no different than the current XXXX XXXX situation. Opening a credit card without consumer consent and making charges on it is fraud, fraud, fraud! XXXX should have billed me directly or made arrangements with me to put the membership dues on a credit card of my choosing, with terms and business practices that I agree to. I have since closed the Citi card out and made arrangements with XXXX to pay the dues, but I wish to log this complaint as record of big business financial fraud that needs to be addressed on a larger scale.

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 2015-05-21
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have had no knowledge of debt with enhanced recovery corp or XXXX. I am requesting that they either provide me with an original copy of cell phone contract or remove there collection account ( s ) from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-13
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My ex-wife has charges from ministry health care that she has not paid. These charges were incurred by her after our divorce was final. XXXX XXXX XXXX has not made any attempt to contact me or collect from me regarding her account. XXXX XXXX XXXX has put her account in collections with Alliance Debt Collectors. She still wo n't pay so Alliance has sent letters to me saying I owe this debt and they have reported it to the credit reporting agencies that I am a co-signor on her account and it is in collections. I have informed Alliance that it is not my debt and asked for verification. They sent a reply that does show my ex-wife owing this debt but not that I owe it. Last letter from Alliance is that they have been authorized to refer me to Attorney to be sued. A few days later a letter from Attorney XXXX XXXX XXXX arrived that he has been authorized to sue me unless I contact Alliance and pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: CAVALRY INVESTMENTS, LLC
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Today a fellow Co-work contacted me stating that a XXXX XXXX from Cavalry Portfolio Services was requesting to speak to me. They are contacting me at my place of employment and I know this is not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Based on the TFDCPA : Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.I like to build this case on the collection company in hand because they do n't have the right to collect any debt in the State of Texas. They have sent me a packet XXXX/XXXX/2016 trying to collect in my state without the proper legal document require to collect in the state of Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. 

I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. 

I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. 

I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. 

CA Name : Calvary Portfolio Services

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently ended my residence with XXXX in XXXX, Washington. After vacating, the manager immediately sent the balance to collections, rather than using the deposit insurance policy XXXX sold me in lieu of making a deposit payment upon move-in. The manager in question, XXXX XXXX, has repeatedly harassed me by retaliating for XXXX accommodation requests ( including an eviction attempt for requesting an accommodation, and a rent hike attempt after the eviction attempt was overruled by the apartments ' holding company ), and made no attempt to contact me or discuss the deposit insurance after termination of residency, though when I filed my 30 day 's notice, her office clerk, XXXX, assured me that the insurance covered up to {$1000.00} in damages to the apartment. I am currently filing complaints of XXXX discrimination on the basis of retaliation and am attempting to dispute the collection debt which has since appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We moved out of XXXX XXXX XXXX XXXX, XXXX XXXX Illinois on XX/XX/XXXX. The house was officially foreclosed by XXXX XXXX Bank on XXXX. XXXX illinois is trying to collect money from us in the amount of {$2700.00} for service date of XX/XX/XXXX and has reported us to equifax. We have made several attempts to get this charge removed from equifax but equifax refuses to verify the date of service from XXXX Illinois and will not remove this collection account from our credit report. We are hoping that you might be able to help us with this matter. XXXX illinois should not have waited 6 years to report this to XXXX ; furthermore, XXXX should be pursuing this collection from XXXX XXXX bank and not us. Thank-you for your time in looking into this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
For XXXX years I 've been transferring funds from my credit union account to my checking account at Bank of America. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the " risk department '' at BofA, a supervisor giving her name as " XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt owed to XXXX was paid in a judgement to XXXX County Court. I moved from XXXX XX/XX/2014 and the property managers later charged me for XX/XX/XXXX rent and I did n't live there. The judgement I was provided by the courts has been paid in full but a XXXX collection agency is attempting to collect for the same debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Angel Oak Mortgage Solutions LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We bought a house on XXXX 2015. During the process of getting the loan we found many difficulties dealing with the lenders. Just because we could not prove that we paid the rent we previously had, the interest rate that was given to us is 7.25 %, when the rate at the time was around 4 %. Thus, our payment for the mortgage is well above what we expected. We have a letter from the landlord that states that we paid in the rent, they said that was not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure Trustee file fraud documents in the county land records and the county ( XXXX ) clerk office in around the state of Maryland setting foreclosure sale date for XX/XX/XXXX before the case hearing on XX/XX/XXXX see similar actions of this law firm fraud is fraud and these is no expiration date on fraud intentions by these plaintiffs. per Foreclosure Trustee fraud allonge knew the allonge was not sign by banking officer but by document manufacturing company XXXX several years after the bank cease to exist from a defunct institutions similar to XXXX featured in XXXX fraud on court several allonge, XXXX XXXX Unconscious deceptive allonge of XXXX XXXX, XXXX XXXX undatedXX/XX/XXXX Matter set for hearing on XX/XX/XXXX at XXXXXXXXCopies mailed per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX XXXX XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX per Foreclosure Trustee fraud Motion Ocwen Loan Servicing notary fraud allonge, XXXX XXXX GMAC, Ocwen , XXXX XXXX depositions/cases of XXXX XXXX allonge per Foreclosure Trustee fraud Motion for court to take notice of conflict of interest in substitute trustee prepared document by XXXX, notary in Utah , signed in MD cases of XXXX of XXXX with trustee XXXX , XXXX XXXX ( XXXX plaintiff no XXXX ) XXXX see similar case attached exhibit attached XXXX fraud homecomings, GMAC , Ocwen sanctions fraud, cases of XXXX or XXXX with trustee XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.

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 2017-04-28
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX   XXXX ,   XXXX  , SoFi sent an email saying my interest rate had been miscalculated for a short period ( as part of  the Auto Pay benefit ), and that SoFi would  credit my account during the first week of  XXXX .     By  XXXX   XXXX , nothing had shown up. I called SoFi and was told it would be done two weeks later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  SoFi for the second time, and was told it would be done one  week later, by  XXXX   XXXX .     By  XXXX   XXXX , nothing had shown up. I called  Sofi  for the third time, and was told that it would be taken care of during the month of  XXXX .     Every time I call, I 'm given a new date, but my account is never credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Broke lease after I found out that the apartment was full of black mold and was causing illness. tried to resolve issues with the apartment complex to no avail. Made complaint with housing authority submitting medical documentation of pulmonary complications to no satisfaction. remaining financial responsibility turned over to collection agency that will not provide statements, and continue to charge interest on original amount. I have endured great stress and financial difficulty in finding housing because of the breaking of the lease. I am a XXXX living on a limited income and these practices are causing great hardship.

Company response to consumer: Closed with explanation