BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

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 2021-08-04
Company: MONEY SOURCE, INC., THE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked the mortgage company if I can pay my own taxes and insurance and not escrow anymore. I called my XXXX XXXX XXXX The Money Source, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CT XXXX in XX/XX/XXXX. I was told that I could if my Loan-to-Valve LTV was under 80 %. I told them it was as my home 's value is {$500000.00} and I owe {$230000.00}.

46.5 % LTV. The Money Source said they have my LTV was 81.3 % and that I still was paying PMI on the loan. I told them that I pre-paid all of my PMI when I originally took out my mortgage in XXXX, before they bought my loan from my original lender. I have called this lender in XXXX, XXXX, XXXX and XXXX in XXXX. I have sent them the builder 's appraisal sheet for my house in my sub-division showing my house now sells for {$500000.00}. The Money Source is telling me that I still have PMI on the loan, but I am not paying any PMI and my records on line don't show any PMI payments being made. Like I stated earlier, I pre-paid all of my PMI when I took out my loan originally. Please help me have them close my escrow account so I can pay my taxes and insurance myself. I have made every 71 payments on time with Money Source. My escrow started at {$500.00} and has gone from {$370.00} to {$1100.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
i feel capital one is the best bank ever so i want to give this feedback sent letter to CEO I have been on both my cards a very loyal customer and i also have had a very rough last few years including but not limited to high medical bills. etc i asked for a loyalty XXXX dollar credit on XXXX card and was told there are notes not to give it. while i understand your side please know it makes me feel uneasy when notes are put on my account. please take them off. i will use my car minimally now as i feel uneasy yet acknolwedge the help in the past. please know i have been as a result a very loyal customer. Please take notes off. it is a deal breaker for me. XXXX dollars XXXX more time esp with the new XXXX account i opened would have been a nice gesture. I have XXXX XXXX in medical debt for my child. Still a good bank. no notes please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a zero bal and needs to be removed

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 2017-02-23
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was a XXXX Employee a couple years ago at XXXX in the XXXX XXXX Illinois XXXX and had a minor on the job injury. I reported it and they sent me to the hospital, XXXX XXXX Hospital in XXXX IL, on company time to get an XXXX. The XXXX came back clean and the diagnosis was a XXXX in the XXXX. I got sent the bill from the hospital and gave it to my HR Representative at my XXXX location. I was assured that the bill was going to be taken care of at that time. A few months later I got another statement from the hospital stating that the bill was not being paid on. Again I gave the statement to my HR representative and was assured it was going to be taken care of in a timely fashion. I had left the company a few months later and continued to receive statements from the hospital. I was put in contact with the corporate HR who put me in touch with their XXXX XXXX XXXX and they told me it would be taken care of as well. A considerable amount of time has past and I am now getting letters from the state of Illinois Collection Agency about the bills not being paid on. I have repeatedly attempted to reach the corporate offices of XXXX company and there has not been any response. I have also tried to reach the people from the XXXX XXXX XXXX that worked with XXXX and found that the first person no longer worked there and the next person and agency is also not returning or answering calls. This is now starting to pin me in an unfortunate place and the company responsible, the company who had told me time and time again it was being handled, and their partners are being highly unprofessional in their communication and ways of handling the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, XXXX and experian is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.

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 2021-03-07
Company: BARCLAYS BANK DELAWARE
State: NY
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:
A couple of days before my XX/XX/XXXX, statement generated, I contacted Barclays Card to alert them to SIX identical fraudulent charges from XXXX, each in the amount of {$100.00} that had been made to my account in XXXX. ( On XX/XX/XXXX, 3 fraudulent XXXX charges of {$100.00} each posted. On XX/XX/XXXX, 3 MORE fraudulent XXXX charges of {$100.00} each posted. ) Before I contacted Barclays, but without ever notifying me of any breach, Barclays had already reversed THREE of those six fraudulent charges, but the bank has so far not reversed the THREE REMAINING fraudulent XXXX charges. Throughout the month of XXXX, I made multiple phone calls to Barclays to explain that they needed to reverse ALL SIX of the fraudulent XXXX charges that had been made in XXXX, not just three of them. It was obvious that the customer service representatives I spoke to each time did not have a fluent command of English and seemed to have trouble understanding the issue and lied to me, claiming the matter had been solved. In late XXXX, two different representatives wrongly claimed that the matter had been resolved on XX/XX/XXXX, and claimed that my online account interface was displaying different information as the reason why I was still seeing three fraudulent XXXX charges on my account. As a result, I decided to wait for my XX/XX/XXXX, statement, hoping it would no longer display the amount of the three remaining fraudulent charges from XXXX XXXX. Unfortunately, my XX/XX/XXXX, statement continues to show a balance due that includes the remaining three fraudulent charges from XXXX. The statement also shows that, while Barclays credited back three XXXX charges on XX/XX/XXXX, they also RE-BILLED me for those SAME three fraudulent charges that same day, XX/XX/XXXX, thus cancelling out any credit they may have tried to issue for those last three fraudulent charges. Immediately upon receiving my XX/XX/XXXX statement, I made a payment to cover the single charge of {$170.00} that I made during the most recent billing cycle. As a result, once Barclays refunds the remaining three fraudulent XXXX charges, which amount to {$320.00}, I expect to receive confirmation of a XXXX  balance. Unfortunately, Barclays has refused to take steps to resolve this matter.

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 2015-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed several items on my credit report that have wrong balance and wrong dates, yet experian refuses to investigate the matter saying that it is true with no further investigation. Experian needs to be fined and forced to reinvestigate my dispute!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: CA
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 my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2021-03-07
Company: EQUIFAX, 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 submitted a 609 validation letter to XXXX  on XX/XX/2021 I also submitted a validation letter to XXXX  and Equifax on XX/XX/2021 I haven't had a response within the 30 days required for an investigation I've also sent non-response letters to all 3 bureaus I've also included documents which I sent the three bureaus thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Westlake Services, LLC
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: Account information incorrect

Complaint:
I had an auto loan from Westlake Financial Services for a car opened on XX/XX/XXXX and closed on XX/XX/XXXX. There was an accident where the car was totaled in XX/XX/XXXX and the other drivers insurance paid for the car in full. Under my XXXX credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: CITIBANK, N.A.
State: VT
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:
I lost my Best Buy credit card and I call them to replace it for me and now they open a new account for me wich i never requested or they run a new hard inquiry on my credit again wich is not normal and this really dropped my credit down. 
I just talk to them on phone a couple of minutes ago and they recognize that it was a mistake and theyre going to work on it. 
But my problem now is that they put a hard inquiry on my credit without my permission and my credit get harmed and dropped 74 points I really went this damage to be repair so I can get my points back because I really have a lot things to do with my credit and now because of this my plans cant work as planned.

Im planning to take this case to court incase i couldnt get my 74 points back. 
I need your advices.

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 2015-04-24
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
After returning to school at XXXX in XX/XX/XXXX, I applied for and received a Citibank private alternative student loan. At the time XXXX financial aid counselors, who had recommended that I go this route to subsidize my costs of attendance, did not notify me that the loans in question were " alternative '' loans, and therefore non-subsidized or guaranteed. After successfully completing my classes in XX/XX/XXXX, Citibank notified me that my loans would begin repayment immediately, at a cost of over XXXX. Given the timing of this repayment, during the height of the financial and banking crisis which was driven largely by banks like Citibank and irresponsible lending, I contacted the bank and notified them that I was unable to make a {$500.00} payment at that time due to job and economic conditions. I further requested that Citibank work with me to come to a compromise as to what would be a reasonable payment amount per month, given the circumstances. Citibank refused all efforts on my part to work out a payment arrangement, and declared that it was all or nothing. Their position was that either I paid the {$500.00} each month in full, or they would default my loan and thereby prevent my future purchases of homes, cars, etc. Their agent was rude, insulting, unprofessional, and inflexible. I responded, over a period of several weeks worth of calls and attempts to resolve the matter, that since they were making an " all or nothing '' demand, I would be forced to respond in kind. As such, I refused any payment and allowed the loans to go into default. Since that time in XX/XX/XXXX, I have never received a single letter, phone call, email, or text from Citibank regarding the status of these loans or any further attempts to collect or work out a compromise agreement. However, the loans were reported to the XXXX major credit bureaus, and remain on my credit record to this day as defaulted or in collection. The cumulative effect has been a significant drop in my credit score and denial of credit to me. I was recently instructed by several people, however, that because my loans were not federally guaranteed student loans, and because Citibank has made no efforts to collect or follow-up on these loans since the default occurred in XX/XX/XXXX, that I was legally entitled to have the loans wiped from my credit record, and the default removed without further penalty due to Citibank 's lack of action on the accounts in the last XXXX years. Should that not be the case, I was notified that regardless of status, having reached the XXXX year deadline since loan default, and even more since loan inception, Citibank is required to remove all references to the accounts in question from my credit files.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Funding has been reporting on my credit reports for over XXXX months and I have never received any initial communication in order for me to verify the debt is mine and accurate. This is the law. This is a major violation and would it taken care immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection on my credit from XXXX for {$120.00} that should not be there. I believe its a hospital bill. Far as my understanding that violates HIPPA laws and working in XXXX I know that their is no one else other than the hospital that should know why I was in the hospital and/or how much I owed without my consent especially considering I did not receive letters

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BANK OF THE WEST
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This is the third time that I filed this complaint against Bank of The West they keep closing this case but they still haven't refunded my money XXXX Dollars from the wire transfer I don't know why they are allowed to do it this, I've been trying for more than three months and still no resolution this is the complaint XXXX this company should be a shame to put their customers thru this, every time that I call the person handling this case XXXX  XXXX can't give me an answer and like I said this have been going on for more then three Month 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: INTERCONTINENTAL CAPITAL GROUP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced with InterContinental Capital Group Inc. My problem is with the amount of junk mail I have started receiving after applying and closing with them. It is absolutely insane and ridiculous. I get junk mail with their name on it almost every single day usually more than one a day for months. This fact alone I would never recommend that company to anyone period.

Company response to consumer: Closed with explanation