BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process.

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 2017-08-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MA
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:
I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXXBoth loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers.Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status.XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies.
XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled.XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XX/XX/XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle.
XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled.XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial.XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as "Charged Off" delinquent and unpaid.XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I don't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, wouldn't it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: TX
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:
After carefully reviewing my credit report. I learned Experian and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that Experian and XXXX is failing to comply with FCRA laws. XXXX is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. Experian is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding Experian and XXXX to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.

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 2017-02-06
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received the loan repayment information in the mail stating that I needed to begin repaying the Parent Plus Loans my daughter used to go to college on. I told them that I could not make those payment at this time due to my financial hardship I was going through. The told me that they could offer me a foreberance on the loan until I can make the payments. I ask what was that, and they explained to me that I would not have to pay right now and I would be allowed to take a break from making payments I said OK but I was not told that the interest was going to continue to pile up against my loan. The loan was for {$40000.00} and now I believe it had grown to over {$100000.00} with the tacked on interest that is now due. I do n't think that was fair to me for them to pile that interest on me without offering me something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: WELLS FARGO & COMPANY
State: CA
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:
I had a problem with the propel XXXX card from Wells Fargo. That credit card had a special program covering my purchases, airline tickets, etc. That program was covered by XXXX XXXX XXXX, a member insurer of the XXXX XXXX XXXX XXXX XXXX. It was just an insurance policy, but the feature sponsored by Wells Fargo Bank. According to the credit card 's terms and conditions all disputes were supposed to be resolved via arbitration with XXXX XXXX XXXX ( XXXX ). When I filed my dispute with the XXXX respondent refused to follow its own policy, terms, and conditions. The XXXX closed the case with demand to remove its name from Wells Fargo Bank terms and conditions. Wells Fargo Bank ignored that request and still publishes XXXX as the only place all disputes must be arbitrated.

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 2019-10-20
Company: MRS BPO, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I paid XXXX XXXX which is XXXX XXXX XXXX in full to delete from my credit report. I also paid all of the XXXX XXXX on XX/XX/XXXX pay to delete. One was with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I paid XXXX XXXX who told me they could not delete from my report but they have a few payments marked as not paid and they were for those 2 months. XXXX XXXX  closed the account on my report but a collection agency bought it. XXXX says I owe XXXX because I volunteerly gave up my car to them so they came to my address and picked it up. Well the so called collection agency that took over told me that I owed XXXX why are the debts not the same? Also, I never heard from Mrs associates nor have I received anything in the mail from them I thought XXXX just closed it well I figured I would try to settle so I called XXXX to try to settle and that's when they told me Mrs owns it and so since then they have been calling me and sending letters but I have went a year or longer not even knowing Mrs had my debt. When I try to get my account number to pay what I can they will not give it to me they say that I do not want to do it that way that they will not get any of the money so they will not be able to subtract from debt. Also they told me they would not work with me unless I paid a {$1000.00} down they did not except my monthly payment I offered. XXXX also has a few late payments down on my report that are wrong and I can prove I paid them for that month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My wife has Macy 's credit card. We moved in the month of XXXX 2015 .They were sending bills to old address. And shipping goods on new address. Further more we have our home phone moved to new address. They ( macy 's ) did not bother to check statement are going to old address. They called several time on phone number regarding shipment and other matters.My wife she is not wise enough to figure out these matters, why she have not received bill from Macy 's. Macys reported late payment to credit bureau. Her credit is shot and from XXXX to moved to XXXX. She has the money in bank, only she had not received bill.

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 2015-08-26
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive at least six calls a day from automated number XXXX. Yes I owe the money and yes I told them when I would pay it. this is an automated system and live operators. One call and I let them know I would take care of the bill it is only 2 wks past due - balance is small and will be paid by the end of month. I have asked them to quit calling me all day long and they said it 's in the computer and they ca n't change it. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Applied for an income based repayment plan to begin in  XXXX     2017. W ithout income taken into consideration my minimum monthly payment was {$700.00}. When I applied for an income based repayment plan, they quoted me at a monthly payment of {$300.00}. Not bad -- if I did n't have an already extremely tight budget, working as head of household, with a child, bearing full housing costs, etc. When I called hoping to lower that monthly minimum ( {$200.00} is my budget for my Navient loans, because I have other Perkins loans, etc ), they could not budge and insisted that I was already on the lowest possible repayment plan. They then asked me if I could change some things on my application like -- did I want ot say I was pregnant? Was I sure I did n't have any other dependents? Being honest, I said no. The customer service rep apologized for the bad news and said there was nothing else he could do to help me, and good luck. This has forced me into forbearance for 6 months -- even with a very decent job and good pay! I want to repay my student loans, but I need to work with a company that will work with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I applied for a Home line of credit with Bank of America in XX/XX/XXXX. It is now XX/XX/XXXX and loan is not complete. I have no employment gaps or credit issues and need loan for home repairs. I provided all of the needed documents in a timely manner even though they sent request by mail and documents were needed before I received the letter. When contacting the bank because there was no response, they told me it would be 3 months before my loan would be processed. However they previously approved me for a car loan in seconds about a month before. One of here home loan processor closed my application stating documents were missing documents or he could not contact me after I had been leaving messages for months with my contact information. They were calling my home number before XXXX and I stayed on the application to call after XXXX pm because application noted they closed at XXXX. If they leave a message on my home phone they are closed by the time I retrieve the message. I gave my cell phone number every time I called because they said it was incorrect in the system. However I was able to get them to reopen the application. I told them I felt discriminated against because there was no reason for my application to not be approved. I am an XXXX American woman. I turned in everything requested in a timely manner via electronic by email. Once the application was approved by underwriting it was sent to closing who contacted me by calling my home phone only because he said cell phone was incorrect, as I stated earlier I gave my cell phone number every time I called, which was at least 2 times a week. Closer called Wednesday, XX/XX/XXXX, but I had been contacting my loan processor who was out of the office for the week and when I called the closer on Monday, XX/XX/XXXX, I was informed documents expired and they had to request again, unbelievable. If time is of the essence why are they taking so long to process paperwork was my question to loan processor. They can contact me by home phone, cell phone, or email but they choose to only contact me by home phone which I am not able to retrieve until after XXXX or later when I return and they are closed. I feel as though they are purposely mishandling my application because I am continually contacting them providing all information that is needed but I'm not receiving the proper response in return.

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 2016-03-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : 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 2022-01-25
Company: Spring Oaks Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I checked my credit karma and found a credit report from an unfamiliar company. Spring Oaks Capital LLC that an account opened in XXXX [ 3 months prior ] had a derogatory mark and {$1200.00} was sent to collections. The original creditor XXXX XXXX XXXX did not respond to any calls. Their phone went dead every single time I tried to contact customer service. The buisness is located in Ohio. I have never been there in my life and I live in New York. I have no clue how a credit line could be opened under my name without a single phone call or peice of mail sent to my house. I believe I am a victim of identity theft. I have not opened a credit card/line since XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.

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 2017-01-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Spent a XXXX on a simple credit score check. Was somehow automatically enrolled in and charged extra money for services I opted out of. Only discovered that I was enrolled after receiving emails with a detailed credit report and seeing charges for {$20.00} plus dollars in my bank account. This also happened to my husband and we had both opted out of these extra services but still were enrolled in them anyway.

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 2022-01-26
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fox Collection Center is trying to get me to pay the amount of {$470.00} in lieu of XXXX XXXX XXXX. I have contacted XXXX and I am XXXX therefore I am not required to pay any debts sent over to collections. XXXX at Fox Collection Center has been calling me at least 3 times a day since XXXX of 2021 to pay this balance and I have repeatedly told her that I am not responsible and she would get smart telling me I need to contact my insurance carrier. Now there is someone named XXXX calling from the office as well. The bill was sent out on XX/XX/2021. The last call came in yesterday afternoon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contact Experian previously by phone to have personal info such as old/inaccurate addresses, inaccurate addresses, old phone numbers, and inaccurate aliases removed from credit report. The agent I originally spoke with refused to correct the information and was rude and unprofessional. By FCRA laws, any and all inaccurate information is to be removed and updated. Since I was told I needed to file a dispute of old/inaccurate information. I disputed the information online but they still have refused to remove the incorrect information. I am very upset that they will not remove inaccurate information.

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 2017-10-08
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.

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