BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-04
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company sent me a collection letter mid XXXX 2017 and when I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on the letter. She was unable to speak with me as the information didnt match. <P/>When I asked her to send me a letter stating they had the wrong information she hung up in my face. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have no knowledge of this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
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:
I opened a secured card with citi in early 2017. The terms stated it would be for 18months. It was then extended another 12months. Fine. I understand that in the terms my deposit does not generate any interest to me, only to citi. Fine. They have since extended the terms for 4 years and are letting me know that they will be extending it for another 12. I contact customer service and they are useless, I can not even get them to give me the original date I opened the account. They could not even provide me with the address for the executive office, I have to resort to contacting and filing a complaint via the consumer finance and XXXX I  have a Citi account with Bloomingdales as well and I am ready to stop giving them my business. I have never made a late payment but I guess that and my account is not important to Citi.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have asked ancient several times follower my loan, atleas t 2-3 different times in 2016, I ask ed if I could extend the life of my loans and they refused stating I had to pay the amount they determined, stated they could not extend the life of the loan. When I asked what I was supposed to do because I could not afford that loan and my other student loans they said to speak with my cosigner to help with repayments. They would not help me to make my loans affordable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2019 I contacted XXXX XXXX XXXX to pay off debt {$1700.00} to restore my credit. I have a Credit Monitoring account with Experian, to help monitor my Credit file, as I monitor my credit report and file, I notice, discrepancies on my Experian account information which needs to be corrected by Experian they have on my credit report that I have a balance of {$38.00} and that's incorrect, I have documents that show evidence of the balance between XXXX XXXX XXXX and me {$0.00}, and will like for Experian to correct this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Again I come with the continuinf complaints against Ocwen and  XXXX   XXXX .   yesterdays complaint by you came in part from my complaints, I have a hearing on  XXXX   XXXX  where  Ocwen a nd  XXXX   XXXX  will try to sell the home from a bogus orde r in  XX/XX/XXXX  that the  court can dismiss or this complaint of yours can help.i am filing a copy to the court today, but can you aid me in this as I am the guy who helped create your office.The  XXXX  loan was a fraud, and the dox went into  XXXX  trusts! they are RICO and want help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
The company, citi, refuses to correct duplicate charge on my account made by wash laundry on  XXXX   XXXX   2017. I have  called in a number of times as well as submitted the request through my account on line.

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 2017-04-21
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted an application for  XXXX  discharge with Nelnet. I have been calling them for the last 3 months, and nothing has moved on my application. I have been told that my application has been archived and has to be rebuilt. I do not believe this. I believe that  Nelnet  is purposely delaying my application because it has merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: MONEY SOURCE, INC., THE
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last month ( XXXX XXXX when I made my mortgage payment, for some reason the mortgage company ( The Money Source Inc. ) processed a double payment through my bank XXXX XXXX XXXX XXXX  XXXX. My monthly mortgage is {$1300.00} and they processed a payment for {$2700.00} on XX/XX/XXXX. I immediately contacted XXXX XXXX and initiated a dispute as I only authorized a payment of {$1300.00}. I then contacted The Money Source and spoke to XXXX P about this error to let them know I filed a dispute with the bank and to find out what needs to be done to correct the issue. XXXX requested copies of my bank statement to prove the payment processed so they could initiate a refund for {$1300.00}. I sent the documents to XXXX and they processed a refund for {$1300.00}. They sent a check on XX/XX/XXXX which I received on XX/XX/XXXX. During this time, XXXX XXXX discovered that the charge was not authorized and they reversed the entire {$2700.00} back into my account. Additionally I received a letter from The Money Source stating that my mortgage payment was past due. I contacted XXXX about this and she stated that since the bank reversed the charges, they decided to reverse the payments for XXXX and XXXX, thereby making it appear that we were past due on those payments even though we made them on time. Today, XX/XX/XXXX, I was notified by XXXX  that The Money Source added a negative remark to my credit report stating that we were delinquent more than 30 days. We have never been late on any mortgage payment and I have proof of that with my bank statements and The Money Sources monthly statements. XXXX admitted that we were never late and that the bank reversal is what triggered this problem in their system and the reporting to the credit bureaus that we were late, even though we were never late. I told her that I wanted them to correct the information on the credit reports and I wanted the late fees reversed since none of this was our fault, it was The Money Sources fault initially for charging me for twice the payment that I authorized. The refused to correct the credit report and refused to remove the late fees. I believe this is in violation of the Fair Credit Reporting Act of 1970 as they have reported falsely that I was late on mortgage payments even though I was never late on those payments. I believe this is fraudulent information and it has permanently harmed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a vehicle from XXXX and Ally provided the loan. I requested a cancellation of a insurance policy through XXXX, and was told they would be sending the refund check to Ally to be applied to my outstanding balance. It took XXXX about a month and half to disperse that refund. During that time, I paid off my loan in full with Ally. According to XXXX, they cashed and cleared the check ( check number XXXX XXXX on XX/XX/21. After that, I spoke to representatives from Ally and was told they had received the payment from XXXX and would be mailing me a physical refund check. I did not receive this check after 10 business days. I requested a new check to be sent out, did not receive that check after 10 business days. Again, I requested a new check and did not receive it. Each time, the representative confirmed to me that they was the credit on my account that I was owed a payment for and they would be mailing the check. Finally, I called and requested that a new check be sent out to me and I be given a tracking number so I could ensure delivery. At this point, I was told that Ally had never received a payment from XXXX, and that they did not owe me any money and I would have to check with XXXX. I contacted XXXX and was told the same information, that the check was sent to Ally on XX/XX/21, cashed and cleared on XX/XX/21. XXXX was helpful, cooperative, transparent and was willing to give me whatever written information I requested. Ally has refused to communicate with me in writing, stating that " they are not allowed to use email ''. They have refused to give me any written statements about their plan to resolve this issue, and have refused to give me the email address or direct phone number for anyone in their payment investigations department that can assist with this claim.

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 2021-12-13
Company: Shellpoint Partners, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im in the process of trying to refinance my home. My credit report says the property is in foreclosure. I contacted Shellpoint mortgage servicing, spoke to XXXX, and she can not explain why. I have attained a mortgage verification letter from shell pointe, stating that Im in good standing, not delinquent and have not been late in the last 12 months.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
hello my credit card company I know is doing illegal activities on my account is " Shop your way '' citi bank card. I have documentation that I have screen shot on my phone from their web site of all the transactions. as of right now they have debited my account {$7500.00} for a clerical error on their part. there is more illegal interaction that has lead up to this point. all of these interaction have taking place within the last 7 days. 

please call me so I can explain in more detail XXXX thank you XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-13
Company: Credit Karma, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In the middle XX/XX/2021 I tried to transfer money from my credit karma account to my credit union they said I needed to verify my account by sending in identification & bank statements I did 2weeks later XXXX XXXXI 'm waiting on response calling emails no response I contacted XXXX XXXX XXXX credit karma email me saying there closing my account & sending funds to my account XX/XX/XXXX 8 business days later I call back they say they sent it to account that was closed so now within 8 more business days I should receive a check XX/XX/XXXX I have received no more information or emails when I call I get same answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property

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 2021-06-15
Company: Brightfunders, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I repeatedly receive a Report of Available Funds letter from Homeside Financial LLC. These letters are deceptive and are essentially an unsolicited ad to refinance my mortgage while camouflaged to look like unclaimed funds in an escrow or similar type of account. 

The latest incident is XX/XX/2021. The letter explicitly states {$2700.00} Estimated available funds from my current FHA loan without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used this account for years and then I had a charge I was trying to dispute and I contacted XXXX for months as the charges were not mine and they ignored it and continued with the collection efforts. I have been trying to resolve this for over a year now and I eventually just stopped making payments on it last year. The only reason I kept paying was just so it doesnt hurt my credit which now of course it has. This has impacted me greatly and I dont know who else to turn to, this card was originally mine but the debt on there is not. Please help 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 2019-12-16
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX I got an alert of someone trying to get credit services with XXXX XXXX XXXX. 
I called them, talked to a supervisor, they determined that was fraudulent, assured me that they will remove the enquiry from Experian, I had another incident a few months back, so I had a lock on my credit agencies, they couldn't get any credit without me unlocking it, but the inquiry went through, I learned I had to put a freezer on my credit agencies which I have done since then. 
XXXX sent me a letter stating that they will send a letter of deletion to Experian, Enquiry still on my report I called back XXXX, they told me they sent a letter out the same day they sent mine, and its up to Experian to remove the inquiry, Experian tells me they haven't gotten anything from XXXX and they redirect me back to them. 
Its an endless loop.

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 2021-12-13
Company: Experian Information Solutions Inc.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$970.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance {$6300.00} XXXX XXXX Balance {$3300.00} XXXX XXXX XXXX  XXXX XXXX {$850.00} BXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/2021 2021

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 2017-04-14
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
On  XXXX   XXXX ,  XXXX , Advance Financial submitted  XXXX  varying automatic debit from my checking account totaling {$360.00}  (  {$120.00}, {$120.00}, and {$110.00 } ). Ta king money that they knew and know is judgment free in an attempt to collect a debt. I currently received  XXXX  and   XXXX   XXXX    XXXX  as my only income which they authorized and received illegally under state of tennessee laws and Fair Debt Collection Protection Act. When I called to inquire about the debits from my account and receiving a refund ; a  XXXX  and a  XXXX  first informed me " before they could assist me they would first like to inform me any information given in regards to my account is an attempt to collect a debt. '' Under Tennessee laws once my account is in default they should seek legal remedies to resolve the matter. Instead they continued to seek debiting my account, which violates state laws. They failed to notify me in writing of my account being pursued as a debt as it has been in default since  XXXX   XXXX ,  XXXX , violating the FDCPA. The company also breached the contract in which they are to only submit a " single debit entry only in the event of default ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone at AMEX closed the case ( Ref. No. XXXX ) and lied that I said to approve the closure of the case. I never agreed to close the case! I still have not gotten the item from the seller! Yet AMEX closed the case in favor of the seller! The seller has effectively stolen {$91.00} from me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 120 days late in XX/XX/2020, XXXX XXXX XXXXXX/XX/2020, XX/XX/2020, and XX/XX/2020.

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