BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1900.00} was put on my credit by Midland Funding. Then a civil judgement was put in order in Texas against someone with my same maiden name. After contacting Midland and then informing them that it was placed under the wrong person since the social for that account is different they refuse to fix the situation. I provided them with my license and social security card. This is a violation of the fair debt collection policy and they are doing nothing to remove this from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I bought my home in 2005 at XXXX XXXX XXXX XXXX Georgia XXXX last name at the time XXXX, I signed the loan documents and I took out owners title insurance with XXXX XXXX XXXX XXXX. First American acquired XXXX. Last week I requested a copy of my full title insurance documents only to be told they can not locate any information for me. I have several friends who purchased with me and have the same documentation and it states XXXX XXXX XXXX XXXX. I want a copy of the title insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021, I received a letter from Citizens One Personal Loans referenced with ID # XXXX indicating that my recent application for a XXXX XXXX XXXX Citizens One Line of Credit was denied for the following reason : Application Information Does Not Match Credit Report [ Exhibit A ]. 

The letter referred me to XXXX for further dispute. After inquiring with XXXX, I noticed a HARD CREDIT ENQUIRY on my credit report that I did not authorize. After disputing this information with XXXX, I received a letter from XXXX on XXXX XX/XX/2021 indicating that the Hard Enquiry was factual and shall remain on my file for two years [ Exhibit B ]. 

I have never authorized Citizens One to use my personal information to check my credit file. More importantly, XXXX is falsely representing my credit information to vendors. I have an excellent credit history and over XXXX credit score, and XXXX is damaging my credit history by such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
During early 2020, we were attempting to refinance student loans with XXXX XXXX Citizens that were already in their possession to consolidate into a single payment that made sense for my fianc. During that time XXXX and Citizens got stuck in the process and stopped talking with one another. Without notifying us the accounts go into bad standing, even though Citizens employees told us payments were not required during the time we were refinancing which then kicked the debt to collections. 

For the last year and a half we have been trying to work with the Citizens XXXX department, making regular payments of {$250.00} a month, which was all we could afford, to keep the account in good standing. During that time, we were told different information from every employee. Some said we could pull it out of collections to refinance and treat it again like a normal student loan, some said that wasn't possible, some said that payments could be accepted at any point to just keep making payments to keep it in good standing, and then the last person we talked to stated that payments needed to be regularly made the same date every month else it would be sent to another collection agency. That was when this account is now being sent to two more collection agencies without any written notice that this was occurring, what the current balances were on the accounts, or any further documentation from the Citizens XXXX Department in the first place. 

At no point during this time were we ever given the same answer. Employees at the local branch said one thing, tellers on the phone for the recovery department said another, and no one stopped to actually try and assist, only stating that is was out of their control and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX/Barclays sent me the attached email offering me a 3.99 % rate until next year. 
I signed up, then called to check. They told me that it only applies to purchases beginning in XXXX. The word XXXX appears nowhere in the invitation email that I received, that is attached. 
This will hurt people who will assume, as I did that any purchases made between now and XXXX will be get the low rate -- and they will not. 
Very deceptive. Angers me. How can they get away with leaving that out.

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 2017-08-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested validation of a Title IV-D claim based on my recent discovery of fraud ( concealment of material fact ) and was informed by Office of Temporary Disability Administration that Dept. of Health Human Services, NYC Human Resource Administration, NYC Office of Child Support Collection Services, NYC Support Collection Unit are " Not Subject To '' the Fair Credit Reporting Act 1681e. ( b ) Accuracy of Report ; 1681i. ( 2 ) ( B ) Prompt Notice of Dispute to furnisher of Information ; ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( i ) delete said information or the Fair Debt Collection Practices Act. 1692g. Validation of debts ( a ) ( 1-5 ).
No governmental agency mentioned above would or could validate the existence of a contractual obligation or furnish the original instrument that created a debt. Their is no validation of a debt. I also have certified copies that no judgement ( s ) were entered within XXXX XXXX County & XXXX County Clerk 's office pursuant to FCA 460 ; CPL & R 5012,5014, 5016, 5018 & 5041.

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 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I created a dispute with Capital One with a Moving Company in regards to them never showing up to pick up my items. I also explained which they can pull up the recorded call that the merchant cursed at me call me a piece of XXXX and that Im not going to do anything about it since they didnt show up to pick up my items. I was moving from XXXX to XXXX and this moving company failed to show up on the date and time agreed. I called Capital One to dispute this and they stated the merchant provided proof that I cancelled when I asked for this proof the only thing they showed me was the agreed date and time they were supposed to come with the total cost. When I asked for proof of cancelling with the merchant the company could not provide it and kept sending the same document. I had to last minute find another moving company paid {$1500.00} more to move my items to another state gave the invoice proof to Capital One and they still declined my dispute and allowed the company to get away with fraud on taking my money and never showing up. The company also charged my card manually without my permission over the phone when I was told this would be a hold until the delivery team arrived. I want my money back and my account back in good standing this is unacceptable to allow a company to get away with not providing services paid for. Attached youll find the invoice of the new company I had to use last minute to move my items. Why would I cancel the old movers I had to pay {$1500.00} more with a new company that doesnt make sense at all the only reason I did it was because I had to move and I would have lost my job if I didnt make it to XXXX on the date agreed with from my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Financial Asset Management This company continues to call me up to XXXX or XXXX daily and hangs up when I answer. On the off chance someone is on the other end, they ask for my SSN with no context. This company needs to contact me via mail moving forward as their attempts are borderline harassment at this point. This debt has not even been verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I was approved by the SBA for {$9000.00} in EIDL grant money. Only {$5400.00} was actually deposited by the lender. The bank shows only a deposit of {$5400.00}. The SBA only shows that {$9000.00} was dispersed. The US Treasury office says the lender would be able to answer why the money dispersed was not the total amount that it should have been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
During XXXX XXXX, Capital One closed my checking account and savings account and restricted access. I had evacuated to XXXX XXXX, Florida which is where the eye of the storm made landfall. 

During the storm, we were trying to make a purchase to be able to watch the news on my phone as the WiFi and electricity had gone out. Our only lifeline to the outside world would have been through the phone but because Capital One decided to close the account, I was unable to use my funds to do so. 

I did not have access to my money or account for the next 24 hours which was desperately needed to get gas and food. I called Capital One and the people I spoke with did not give the slightest amount of care. 

I was told that a dispute I put in several months ago with XXXX had resulted in them closing my account. I disputed XXXX {$6.00} charges with XXXX that I did not authorize and Capital One approved all but one of them. I called XXXX to find out why these were disputed and XXXX couldn't find the charge. Because it was simply {$6.00}, it wasn't worth my time to find out why Capital One reversed the dispute. Fast forward several months and my phone carrier, XXXX XXXX, double charged me for the bill. I immediately disputed the charge with Capital One and then contacted XXXX XXXX. At first XXXX XXXX was unable to see the double charge and stated that the dispute would be the most effective route to get this issue corrected. A few days later, they did find it and refunded me. 

However, during that time Capital One decided to close my account carelessly in the MIDDLE OF A CATASTOPHE!!!!!!!!!! and not give a XXXX about it. 

Now, I want the following to occur : 1. Close my accounts and release the remaining funds OWED to me.

2. Close my credit card account and refund my security deposit 3. Cease and desist ALL communication with me including but no limited to, advertisement, marketing, etc. 

Capital One, its affiliates, subsidiaries, employees, etc. Have NO authority to contact me. 

For the SOLE purpose of this dispute, Capital One may contact me by Phone during business house of XXXX - XXXX EST ONLY and ONLY in regard to this complaint. 

I will also require a response, along with an apology in writing. The way this was handled is absolutely atrocious and I am uncertain how it is legal to steal someones money in the middle of a major catastrophe. What if I was sheltered away from home and needed to access my funds to pay for a hotel or food or gas? 

Do better, but not only have you lost a customer in me, you have gained an enemy and I will forever let everyone know the type of scum this institution is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a XXXX  leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and Equifax with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX account they also open a progressive leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted Transunion and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX  And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-07
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:
My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a XXXX  account they also open a XXXX leasing account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith

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 2021-12-23
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX 3 my social number is XXXX and my year of birth is XXXX my address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX phone is XXXX XXXX and im on a trail modification payment. My loan number is XXXX my complaint is that selene finance has not pay my HOA Dues my previous lender XXXX XXXX XXXX XXXX escrow those in my mortgage along with my taxes and property insurance for the inside of the condo before my loan was transferred to selene finance my HoA was current the HOA company they pay is XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX ny XXXX. Those are my condo fees that are paid monthly. Since my loan transfer from community loan servicing llc to selene finance. The problem here is that selene finance is not making any payments to the other parties these items I mentioned are escrow in my mortgage like my property taxes are. I'm hoping they are paying my property taxes too. The most important thing is that they did send out a payment for the HOA fees my normal payment is XXXX a month also I'm past due they sent me a bill for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: U.S. BANCORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I did go into XXXX XXXX Bank to report my atm card lost or stolen. I did file the bank person. So do i owe for it? I also know who stole my atm card from US Bank. His name is XXXX XXXX. He had taken my purse. I was unable to make a police report.

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 2022-02-04
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX  because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the DOJ because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navie t is incorrectly reporting my loan as late for months now, 4 months late and I havent had a lot ab with them since XX/XX/2014. I havwas called several times. They do not claim to know anything about it.it clearly states on all my credit reports that navie this is the lender and they are clearly stating late Paynent

Company response to consumer: Closed with explanation