BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: Solidus Group LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX XXXX..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular one - XXXX, XXXX XXXX & phone # XXXX & # XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX 2015, to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CITIBANK, N.A.
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank promotional offer for XXXX american airline miles for opening a citigold account. Opened account in XXXX XXXX, completed prerequisites in XX/XX/XXXX, points have not shown up as of XXXX XXXX XXXX. After many messages with Citi, points were promised on XXXX/XXXX/XXXX, never showed, now my case is thrown in a pile with a huge backlog, i 'm told.

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 2022-11-10
Company: FIRST NATIONAL BANK OF OMAHA
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First national Bank of Omaha received my XXXX payment of {$110.00} and did not give me credit for it and made my XXXX payment {$270.00} when it should have been {$120.00} at most and ever since the skyrocketed over {$1000.00} now I've offered them cash settlement they will not even talk to me about it they're acknowledging that I made the payment on XX/XX/XXXX but they never gave me credit for it my main statement says I missed my XXXX payment and they charge me late fee plus they're charging me for XXXX payment after I made it and they admitted to the fact that I've made it but they are not giving me credit for 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 2021-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a validation request to PRA on XX/XX/21. It was received by PRA on XX/XX/21, according to mailing records. In that validation request, per Federal Law, I requested : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, and the original creditor if not the same ; ( 3 ) provide verification or copy of any judgment ( if applicable ) ; ( 4 ) proof that you are licensed to collect debts in North Carolina, and, provide the license numbers and Registered Agent ; ( 5 ) an explanation and showing of how you calculated what you say is owed ; ( 6 ) provide me with copies ( complete copies ) of any papers that show I agreed to pay what you say I owe, especially any original contracts ; ( 7 ) provide that the Statute of Limitations has not expired on this account. Today, XX/XX/21, I receive a one-page " summary '' that does not provide close to enough information to even constitute a validation of any " accounts '' in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I received and activated Citi Costco Visa card. It was supposed to replace XXXX XXXX card. My XXXX card stopped working and Citi Visa although activated successfully - is being declined by all merchants. All calls to Citi result in the message : " We experience a large volume of calls. Call us back some other time ''. I tried calling and emailing Citi for last 24 hours to no avail. I am traveling today and unable to pay for food, transportation, lodging or basic necessities as I traveled with only XXXX and Citi cards.

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 2022-11-10
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:
This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries and inaccurate personal information are being reported to my personal file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these items from my credit file. I need the following items removed as soon as possible. 
EXPERIAN : XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/2022

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 2022-11-10
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid in full on XXXX XXXX and they tell us that they going to send the tittle but we only received a congratulations letter and retail installment sale contract, then we go to dmv they said that they send them a letter since XX/XX/2020 ask them for lien release but Hyundai Financial never response so we call several times ask for lien release a least to get our title from dvm but nothing happens.

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 2016-03-10
Company: CITIBANK, N.A.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I make my mortgage payments online. I always save a copy of the confirmation of my payment on my computer. For years now my mortgage company has delayed processing my payments by 2 or more days from when I requested the payments to be processed. Can my mortgage company charge me interest on these extra days?

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 2016-08-08
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased this home due to tax ( XXXX ) I have reached out to the mortgage company for a remedy they have been uncooperative in providing me a clear title to the home # XXXX nor can Citi provide any original loan documents as the origination branch was closed. I was told bye the collection agent there was no proof of the loan via documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Healthcare Financial Services, LLC
State: MS
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: The Receivable Management Services LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from XXXX ( Receivable Management XXXX ) stating that I owe {$140.00} to XXXX. I 've never had insurance through this company and have never NOT paid a bill on time. 

Here is the info from the letter : XXXX Account No:XXXX Member ID XXXX to pay by phone : XXXX to pay by check : XXXX to pay online : XXXX Will you straighten this out for me? Thanks, 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 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX CLOSED I filed a complaint against Capital One credit card. They continue to pilfer money from my acct. The case # above is the complaint I filed. You ruled in their favor saying they didn't owe me {$80.00} BUT -- -- -- when they investigated they did put back {$80.00} into my acct and sent me a letter apologizing for the fraud. 

With that being said, I'm sending you screen shots. They reimbursed me {$80.00} but they did not reimburse me {$48.00}. That is the amount that was missing when I made a payment of {$200.00}. 
AND -- -- - a few days ago, XXXX refunded me {$53.00}. That too was not put back into my available credit, nor was it taken off what I owe them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please be advised that this complaint involves Citibank and my previous complaint case # XXXX. Please note that the person named answering the previous complaint XXXX XXXX XXXX XXXX is not the party that actually answered my complaint through the CFPB. I spoke with XXXX XXXX today on XXXX different occasions, where she stated she XXXX ) Is a private contractor hired to help out the Agency and Trust Department of Citibank XXXX ) She is not an employee of Citibank NA and XXXX ) she just returned from being out of the office for an extended period of time. At approximately XXXX I was contacted by XXXX XXXX colleague at Citibank, XXXX XXXX in California who claims she is a VP of the Agency and Trust Dept. at Citibank. She informed me that XXXX XXXX is not an employee of Citibank and there is no way that XXXX XXXX could have answered a complaint from CFPB since she is not an employee of Citibank NA. She stated she would forward my emails to XXXX XXXX to XXXX XXXX at XXXX XXXX. A consumer/homeowner should not be led to believe that a specific person from any bank entity is the party responding to a complaint, when in fact they are not the party at all responding. I have conversed with XXXX XXXX XXXX time today at XXXX and I have conversed with XXXX XXXX on XXXX separate calls today at XXXX. While there is no harm committed with regard to their response in that I should contact XXXX XXXX at XXXX XXXX, it is still misrepresentation that I am being led to believe that an accountable party from Citibank is supposedly answering my complaint, when in fact this is not the case. The fact is that someone else wrote the response and attached the private contractor XXXX XXXX XXXX XXXX to the response to my complaint. I would think this is a clear violation of the consumer protection law. Again, nothing is as it seems. The deceptive web is a finely engineered model, and its intent is clear. I do not blame XXXX XXXX, for how could she have possibly known without my contacting her! There has to be some accountability for this mistruth somewhere though! 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I signed up with ( NetSpend ) and I called and deputed a transaction..I got banned from using NetSpend then they took 30 days then I got a paper in mail saying that based on the information they had and the facts of their investigation, they found that an error had occurred and my claim was valid for the amounts of the dispute I had filed ... now they are still saying that I can not use NetSpend and that my money is there but they have no way of giving it to me. They keep making excuses but it's been at least 30 day or more process with them. I need to know what to do to get my 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 explanation
Consumer complaint received 2022-11-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I extended my consumer credit and was denied. 
I provided a Promissory Note in the form of an application. I gave my personal credit information to facilitate the extension of credit. 
Given extortionate loan terms, asked for a down payment, and a co signer, on a credit transaction that includes a finance charge. 
Did not disclose the use of my credit to obtain credit. 
Did not disclose the security interest of the instrument provided, i.e credit application. 
In in possession of said instrument. And is not extending my benefits toward the credit purchase of the household goods. I.e. vehicle. 
Misuse of credit card. ( SSN )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
In Accordance with the fair credit reporting Act. Then the list of inquires below has violated my federally protected consumer right.to privacy and confidentiality under 15USC 1681. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-08-27
Company: ERC
State: KY
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:
This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?

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 2021-06-18
Company: Navient Solutions, 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: Information belongs to someone else

Complaint:
I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX  may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Yesterday I received notice the secured card XXXX XXXX XXXX has with US BANK was garnished. This notice has been refused for cause. If there is a levy, it was incorrectly assessed. It pertains to XXXX and NOT the SSN the account was opened under XXXX. I expect US Bank to correct their error. 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 explanation