BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-04
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Medical Data Systems, Inc.
State: GA
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:
MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$130.00} MEDICAL DATA SYSTEMS INC Reported : XXXX. XXXX, 2021 {$77.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, re-inserted after being removed without notification ... no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they are calling for someone named XXXX who appears to have had my number prior as this is a new phone ( 3 months ) also received from multiple other companies however they are able to remove my number. 
Bank of America said they can not remove the number as I'm not the account holder. they call frequently during the week.

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 2017-01-24
Company: DISCOVER BANK
State: MT
Product: Credit card
Issue: Balance transfer

Complaint:
I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. 
I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. 
I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. 
A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. 
I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. 
I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed about {$1400.00} to a Urologist for a time when my insurance had lapsed for a period of a few weeks. At the time I had been paying XXXX but was about to have employer based insurance. The doctor told me he may write it off. This never happened. Later I found out they had turned this over to a collection agency and had stopped allowing me to see my physician. I immediately agreed to pay what I owed to the doctor. Recently I questioned the amount and somehow it conflated to {$1800.00}. I asked why. They explained the debt collection agency charges 33.33 % interest so I 'm paying for the debt collector. I was under the impression I was only to be billed what I owe and that it is not my responsibility to pay for the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At the release of the new XXXX XXXX in XX/XX/2020 the only remaining XXXX  required financing through Citizens One. Although immediately " approved '' XXXX ran into supply issues and notified there would be no XXXX. I then tried to work with XXXX/citizens to make sure my credit report would not be impacted. During this process XXXX was able to secure XXXX for people who had this issue. I setup autopay but never received any confirmations. I also made a direct payment and no confirmation email. This eventually lead to two missed payments. When I explained the issue to citizens they fixed the account, fixed the penalty charges, and agreed to fix the credit reporting. Citizens Billing shows on XX/XX/XXXX they emailed internally a credit dispute group. They stated they have no way of knowing if this group read the email/took action or additional way to get followup. Citizens will not provide email address to work toward resolution in writing. They've advised to also file through credit agency direct to which the inquiry was rejected. I do not believe their internal ( Citizens ) credit dispute department has reviewed the account, calls notes, and commitment on file that they would resolve this. Our credit score was impacted 75 points making it so though preapproval for a new home loan is skewed 10 's of thousands of dollars over the life of the loan due to the lower score. I'm at witts end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: MARINER FINANCE, LLC
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have asked the company to send a statement of how much I owe in order for me to make payments on the account. The creditor stated that by law they are not require to send me a statement with the balance on it and that I was aware of how much I owed. I advised the agent that I did not know how much I have remained on the account. The agent was very nasty and advised me that they would come and take the vehicle that they have a second lien on it. I asked the agent to communicate to me in writing and to cease and desist calls. I am victim of hurricane XXXX that occurred in XXXX County North Carolina. My stepdaughters loss their home and everything they have. I was without lights for 6 days and water for 2 weeks. The company called after I spoke with them in XXXX or XXXX and advised to contact me by mail. I advised the agent I know of the debt and will make payment as soon as I could. The agent began stating again that she would come and take the vehicle because they have a lien on it. I advised her I could not pay anything at this moment because I have been out of work for 2 weeks now and did n't know when I could return back to work due to the hurricane. The agent advised me that the hurricane was two weeks ago and I knew I had the debt before the hurricane occurred. I advised the agent once again not call my phone anymore because I had on a previous conversation advised her to cease and desist all calls. I hung up the phone at that time I felt she was trying to intimidate me the agent called right back and stated that the agency would garnish my wages. I asked her again to not call my phone and I hung up again.

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 2015-05-05
Company: Cottonwood Financial Ltd.
State: UT
Product: Payday loan
Issue: Can't contact lender

Complaint:
A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Critical Resolution Mediation LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone by the name of " XXXX XXXX '' with Critical Resolutions calls me repeatedly including calling me from different numbers. Today he called my roomate stating I provided her contact information as a point of contact he disclosed that a case was filed against me. She asked me how they had her number. I would give my family member 's contact information before I give my roomate 's information as a point of contact.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: FL
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 sent a letter to Equifax pursuant to section 605b ( c ) of the fair credit reporting act along with an identity theft report from the FTC and a copy of my state driver 's license and social security card and they responded that they are not blocking the information in my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was notified today that someone from the XXXX Law Firm in XXXX XXXX, FL has been contacting people that are n't related me or listed as references on my loan application claiming that I am being investigated for Bank Fraud and that they are trying to reach my husband regarding an investigation about me. I was completely shocked and called the number provided to my husband XXXX X XXXX. The woman said that she has me on camera taking out a payday loan and since I violated the terms of paying it back I am now subject to bank fraud charges! How can a payday loan company threaten criminal prosecution? I would also like to know what gives them the right to tell people that I am being investigated for fraud? The one person they called is my ex-stepmother-in-law 's sister that I have n't spoken to in 6-7 years and the other person they contacted was my stepchildren 's maternal grandmother ( yes my husband 's ex-wife 's mother! ) I am in complete shock that they would call people that A. ) barely know me B. ) have never in my life been used as references C. ) tell these people I 'm wanted for bank fraud!!!! How is this legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They are trying to collect on a contract that they refuse to validate

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 2021-07-01
Company: EQUIFAX, INC.
State: PA
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 have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting invalid information, fraudulent reporting of information, or reporting of information I believe is due to identity theft. I have no knowledge of how the misinformation stemming from the above came about to be. I have not authorized misuse of my personal, financial or any information. I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: RAB PERFORMANCE RECOVERIES, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
A credit was applied from XXXX to my credit card account, dated XX/XX/2017. On XXXX, I used XXXX, on the CitiCard website and asked the credit balance amount, approx {$750.00}, to be sent to my bank account. This is the same bank account used to make payments for the credit card use. I was told it would begin processing on the next business day, XXXX. I called CitiBank on XXXX asking for the status of the credit balance refund request and was told the refund was initiated on XXXX. They could not explain why it was not initiated on XXXX even though I had not used the credit card since XXXX. I do anticipate the credit balance refund to be applied my bank account by approx XXXX based on their timing shared, on the second request. 

It seems the credit card company, in this instance a bank too, failed to execute the initial credit balance request and waited nearly 6 days, 3 business days, before they supposedly initiated the refund process. In the meantime, the bank continues to earn interest from my credit balance owed and I 'm sure thousands of others too. If indeed the refund request was initiated on XXXX, which I doubt since they lied to me on the first request, why should a bank/credit card company be allowed to hold a credit balance, in this case for 11 calendar days? 
1. When a customer has a credit balance for longer than 5 days, the bank should be automatically contacting the customer on how to proceed to refund the credit balance. 
2. My account history shows I requested the credit balance refund on XXXX, and therefore should have been processed on the next business day, XXXX. 
3. Credit card companies should not be allowed to delay a credit balance refund request if the credit balance is over a certain amount -- example {$250.00}

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 2015-05-18
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, I applied for a loan with CitiFinancial. After a couple of months, I discovered that the loan was a mortgage securing loan, but my Uncle ( XXXX XXXX ) is also on the Deed, did not sign any application or paper work for the loan. The State of Maryland requires ALL persons on the deed, to sign any and all mortgage loans and paperwork. CitiFinancial placed an illegal Lien on my property, which cause tremendous stress and financial strain on the family, because we were unable to sell the property. On XX/XX/XXXX, CitiFinancial agreed to remove the Lien and forgive the balance after 12 painful years of pure suffering. After talking with several different Attorney 's in Maryland, I learned that I am entitled to compensation for violation of Maryland State Laws and Slander of Title. I am unable to go to court, because of my Military Obligations, and unaware if I should provide this information to the Department of Justice, Civil dispute department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I canceled my Costco Anywhere Visa. There was about {$70.00} accrued XXXX on the card at the time I canceled it. Now Citibank tell me that the money is forfeit because I canceled their card.

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