BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.

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 2017-05-10
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended  XXXX   XXXX   XXXX   XXXX ,  XXXX  through  XXXX ,  XXXX  and received my Associates in  XXXX   XXXX   XXXX   XXXX  with a GPA of  XXXX . In talking with the recruiter, I feel I was wrongly advised to take on loans which I was not, and would not be after graduation, prepared to repay. When I was nearing graduation, I sought help with the job placement department and was told to wait until my final quarter until I could receive any help. I found the jobs I was offered to be very low in wages, nothing near the advertised salaries for graduates in my field. I was told that  XXXX  had a close relationship with employers, who had several training points that  XXXX  would train us on but upon entering the job market, I realized the technology I was taught was outdated and too broad to be considered useful in the real world.     I owe {$30000.00} in my federal loans. I am not able to pay them back. I am currently in forbearance but my interest continues to accrue. I have paid several  XXXX  dollars in interest in the past  XXXX  years and am not able to keep up with the growing interest, or pay back a significant amount of the principal.     The education I received was incredibly lacking and was catered for the students who were doing the bare minimum. All too often, when asking clarifying questions, the teacher would tell me they did not have the time to answer my question or that the curriculum did n't allow for such depth of knowledge.   In class problem solving was not teaching me the way the technology worked, it was a controlled environment, meant for the laziest of students to find the obvious answers. When I asked the teachers for help with problem solving, I was told to confer with my peers, who were just as unprepared as myself. Our team would tirelessly work to solve the problem, unable to learn the principle. Other students, who chronically misbehaved and underperformed, were given a passing grade for doing much less work. We all received the common denominator level of education. My education was largely the result of my own efforts, reading the text book several times over, doing independent research online on the subjects. In class learning was a very base level education on outdated technologies, and in way too many fields of study. There was not sufficient time to learn any of the topics as the curriculum was constantly moving onto the next field with the very broad " computer and electronics engineering technology '' area of study.            XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: EQUIFAX, 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:
I have contacted Equifax to alert them regarding these unauthorized inquiries, listed below. 
XXXX XXXX, XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates h old  XXXX  accounts from  XXXX    XXXX   XXXX   that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report to  XXXX    XXXX   XXXX    ( Original Creditor ), Portfolio is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided Portfolio another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  Portfolio Recovery Associates  and fail to dispute both  XXXX    XXXX   XXXX   accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XX/XX/2017  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: Cornerstone Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONTACTED THE COLLECTION AGENCY ABOUT AN UNKNOWN DEBT I DISCOVERED ON MY CREDIT REPORT ON X/X/2017 AND ON X/X/2017 THEY RESPONDED AFTER OBVIOUSLY ZERO  INVESTIGATION INTO THE MATTER THAT IT IS ME THE CONSUMER THAT NEEDS TO PROVIDE THEM EVIDENCE OF THE DEBT NOT AND THAT I AM NOT ALLOWED TO RECEIVE A VALIDATION OR VERIFICATION OF THE UNKNOWN DEBT THEY ARE REPORTING ON MY CREDIT FILE. THIS IS OBVIOUSLY A TACTIC TO CONFUSE AND CONCEAL MY AND PROBABLY OTHER CONSUMERS OF THEIR CONSUMER RIGHTS. EVEN YOU THE CFPB TELL US WE ARE ALLOWED TO ASK FOR A VALIDATION .... A FACT THAT THESE JOKERS DENY ME THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I opened a XXXX XXXX account on or about XXXX 2011. Due to the fact that I was laid off from my former employer, I was unable to make the minimum monthly payments. I have tried on several occasions since to get this account paid but no one is able to find me in the system. I understand the XXXX sold the account to XXXX XXXX but they no longer have the account with them either.This account is having a negative impact on my credit report and I would like to either get paid paid or have it removed ASAP. They are not able to validate any of the information or tell me who I should contact to get this account taken care of. I need to get this resolved ASAP, this has gone on much too long

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: DriveTime
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My car loan company calls me up to XXXX 7 times per day. I have asked them twice to stop calling me. It is excessive and unnecessary and a hindrance to my life. I pay my payments online and pay extra just to avoid any telephone communication with them. I have asked them twice by phone and once by email to stop calling me.

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 2015-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Chase bank has no allow me to recover XXXX dollars that where transfer by a mistake to a wrong person, they told me that they ca n't recover my money they where alert the same second I receive the notification

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: NM
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 sent Experian many requests to please investigate, verify and remove accounts from my credit report and they are just not cooperating.

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 2021-12-27
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 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 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 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 non-monetary relief
Consumer complaint received 2022-10-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Didn't receive advertised or promotional terms

Complaint:
I received a mailer from USAA that they were providing a complimentary dinner for cardholders in my city, and the mailer notes it is valid through XX/XX/XXXX. I tried to sign up on XX/XX/XXXX, and the link does not work and says the " reservation is closed ''. I talked to a rep and they couldn't give me any information on the program or what was going wrong. 

Lying and sending out marketing about a benefit that isn't real is unfair and deceptive

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MS
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX  I received a reply from Chase Bank in regards to my complaint. They stated they would not correct or take further action towards my account. However, they stated as a form of a accommodation they will request from credit reporters to delete lines. I want to request that  Chase  does not delete my positive history and indicate that the account was paid in full and is in good standing, closed. If deleted, I want it to be indicated that I am had made all payments and it was a positive debt or report of accounts. I do not want it to be deleted as poor standing etc.See previous complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX   2016 , I made a debt settlement with a company called  XXXX . The original debt was just over {$1800.00}. The debt was settled for {$750.00} even. I had taken out a personal loan at my local credit union to pay for this debt. My credit union mailed out the check. I called  XXXX  a few weeks later to confirm they received the check. They did confirm the check was received and that my account has a balance  of {$0.00} and is closed out. 3 months later, I receive mail from Midland Credit Management  stating they are a debt collector and that I owe them just over {$1800.00}. I called to inquire about the debt, as I had my credit union completely pay off all my credit cards and should n't have anymore de bt. Midland Credit Management s tated they bought the debt from  XXXX . After dozens of phone calls, neither company can help me.  XXXX  has hung up on me many times when asking how to handle th is. Midland Credit Management  does n't seem to have a single employee who can speak decent English, let alone understand what I 'm explaining to them or how to handle it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to access my account through my mobile bank app this morning at XXXX and I was n't not able to log in. I tried several times before I called the customer service # on the back of my card ( XXXX ) at XXXX. I was then told by the rep that my liquid account had been closed since XX/XX/XXXX and that I had a zero balance and it was because there was n't any activity on the account since XX/XX/2016. I informed her that I just set up direct deposit through my employer on XX/XX/XXXX and that I WAS NOT AWARE that they closed the account and asked her why did n't I receive and email or letter? The rep then told me that Chase does NOT notify you until 5-7 business days after that the account has been closed. I then went to branch location around XXXX to see if they could re-open my account so I could access the funds today and I was told that I would have to open a new account. The teller also confirmed that the funds were not pending but he was able to see that {$940.00} was suppose to be deposited. I then spoke to my employer who said that the funds are with Chase and that they have to release them back to the company in order for me to get paid. So I called the customer service # again with my employer and myself on the line and they told me that it would take 2-3 business days for me to have access to the funds if they were released back to the company or if I wanted to open another account with Chase and deposit the funds from my old acocunt to the new account. 
I 'm extremely frustrated due to the fact that I was NOT informed on XX/XX/XXXX or XX/XX/XXXX that the account was closed or would be closed for any reason. Had I not called, I would n't have known and that to me is highly unprofessional and shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-10
Company: CITIBANK, N.A.
State: VA
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:
CITI FINANCE SENT ME A XXXX CANCELING THIS DEBT ITS STILL ON MY CREDITS REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Originally my mortgage had  XXXX . For breach of payments and delays  XXXX  sold the portfolio to Bank of America. My residence is  in Puerto Rico and  with the new job I have been paying the mortgage for more than 3 years without fail. When the loan was paid to  XXXX  on payment was included the payment of property insurance. Now Bank of America tells me that I need property insurance and that I have to pay {$190.00} more to pay the mortgage. I realize that this payment is already included in the payment of the mortgage. In addition they receive the payment but when I call for any service or for some adjustment or to help me some help they indicate to me that as the house is  in Puerto Rico does no t apply. I want to refinance the house and they tell me that they do not finance house in  Puerto Rico and  I wonder then how they receive the payment of my house or why they bought the wallet

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 2017-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates bo ught a debt from   XXXX   XXXX   XXXX    w hich was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in   XXXX  . Now  Portfolio Recovery Associates  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On  XXXX / XXXX / 2016  I had a  XXXX   XXXX  " very good '' rating and was eligible for a pre-approved loan in the amount of {$5000.00} with  XXXX   XXXX   XXXX  through the  3rd  party websit e (   XXXX   ). While I understand that a Pre-approval does not guarantee approval of the loan, I applied for the loan d ue to my confidence of believing that I would be approved. As expected, I immediately received an email directly fro  m One Main Financial stating that I was indeed approved for the loan and that a loan specialist would contact me soon. After waiting 10 minutes, a call was made to me but was immediately disconnected before a conversation began.
I then contacted One Main Financial concerning the loan and was told by the representative that she needed more information and I would have to re-appply with her over the phone ; although I told her that I was already approved with the email confirmation as proof. After providing the representative with all of my personal information, I was then told that I was denied of the loan and a hard inquiry was reported to the credit bureaus and has placed in my credit report since. This is false, confusing, misleading and deceptive advertising/marketing. Without exaggeration, this loan was needed for several reasons. One reas  on was to bury my deceased uncle and I have the death certificate to backup and verify such statement. The undue hardship and mental anguish this has caused me is indescribable. Knowing that my approved loan was taken away without reason or cause left me in a state of  XXXX . This has aff ected my credit tremendously and makes me to appear more risky to creditors and lenders. Creditors and Lenders are have been and are still looking at my report and wondering why a history of line of credit with One Main Financial is n't in my report since my hard inquiry is less than a year old. Please see the attached docum ent showing that the email was sent to me letting me know I was indeed approved of the loan.

Company response to consumer: Closed with explanation