BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XXXXXXXXXXXX XX/XX/XXXX/2015CitiMortgageConsumer Complaint DivisionTo whom it may concern, Re : XXXX XXXX/XXXX/2015, I was told a by the property damages dept. at CitiMortgage that the insurance check my wife and I paid over sixty dollars to mail overnight would be sent back to us on XXXX/XXXX/15. That was erroneous information. Unfortunately, due to the negligence of that it has cause extreme emotional distress because we are displaced. I am disappointed because had that been explain the XXXX time this would not have been a problem. Since the correct information was not disclosed clearly and was misrepresented. It has cost us more damages. 
To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 
I look forward to your reply and a resolution to my problem and will wait until XXXX/XXXX/2015 before seeking help from a consumer protection agency, the media, my insurance company, arbitration, the Better Business Bureau or any other legal action. Please contact me at the above address or by phone at. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 were lied to yesterday XX/XX/XXXX by XXXX  at XXXX XXXX XXXX eastern time and are an very unfair process and according to the games they play my outstanding 19 years of missing benefits hidden by them will never entered into the needed accounts XXXX, XXXX, XXXX and XXXX because they for the longest make the decision themselves without my authorization to block my accounts which blocks any benefits from elsewhere a chance to enter the accounts and effect my credit score and they are embarrassing me by repeated over and over you have XXXX cents in your account XXXX they I finally got them to unblock. I ask to send code finally they did and ask to speak to supervisor XXXX refused to open all my accounts and indicated the other four are closed. I told her no they are not closed because i can enter my account ending XXXX and tells me the other four accounts are at XXXX dollars and that based on that response they are not closed but she denied me. I filed several complaints against XXXX that she lied and i wish to have all my accounts open and later i spoke to XXXX whom documented my complaint very helpful about missing funds and agreed with me that the account is not closed. They are also effecting my credit score by holding back my benefits and forced my bank account first state bank XXXX into the negative and also harms my credit.

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 2022-07-22
Company: Paramount Recovery Systems, L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : PARAMT REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Wells Fargo pressured me into opening a business savings account and then lied that it was a requirement that they also sign me up for a business credit card at the same time. Years later I finally closed said business account, that was two and a half years ago! I get at least one card offer a week from them and they tracked me accross state lines to a state they don't even have a branch in. This week was the final straw, they sent me a business credit card for the account and business that I closed down two and a half years ago.

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 2015-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Repetitively charged a minor fee of {$2.00} on a balance of {$2.00} -- - that was a result of the last fee assigned. I owe nothing and I 've been repeatedly assessed fees even after I paid the balance to {$0.00} and closed the account XXXX months ago. Today I have a new balance on the closed account of {$4.00}, you guessed it -- -minimum interest charged on the {$2.00} late fee. If this is n't a scam I do n't know what is .... I closed the account and owe {$4.00}? How does this happen?

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 2016-05-18
Company: TRANSWORLD SYSTEMS INC
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Yesterday I received the list with the rehabilitation checklist and I am going to return the information requested tonight. I am going to summit all the information requested because I am desperate and I want to find a way to finally end this nightmare, but that does not mean that this is a fair deal. For the last two years, with a big sacrifice, {$200.00} a month have been deducted form my check to pay my {$2100.00} student loan. In simple math {$200.00} X 24 month = {$4800.00} or more than twice the total amount of the loan. During those XXXX month, I never received any information from Transworld letting know the balance due or any information about my rights, you only collected the money and that was it. But I finally got tired of paying and decided to call and ask for information and after calling more that XXXX different phone numbers, ( I was transferred from one to another and to another ) I finally got in contact to a person called XXXX XXXX that informed me that if I wanted to put an end to this nightmare my only option was to continue paying the {$200.00} for 10 more months, plus a additional {$5.00} charge for 6 months and after that my loans was going to be pulled from " default '' and I was to be able to pay my principal. That means that {$4800.00} + {$2000.00} = {$6800.00} and then star paying the principal? How can a deal like this could be legal? I know that the collection Offices main business is to collect, but taking money away from a person with a {$12000.00} net salary a year? I am going to do my part of the deal, but I am letting you know in advance that I am going to look for legal help and I am going to start sending letter to the Congress, to the newspapers and even to Obama at the White House, to let them know how unfair people with students loans are crushed by the collection offices. 

Thanks XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Affirm Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have contacted Affirm in XXXX of XXXX via phone, on XX/XX/XXXX via email, XX/XX/XXXX, via website on XX/XX/XXXX and today on the phone XX/XX/XXXX. I have spent hours on the phone waiting for a supervisor to be told XXXX is not available. From what I gather, someone hacked my account and changed my email and disabled my automatic payment. When i call and verify my info there is one piece that doesn't match and they tell me they can't do anything and to watch my email. I have had to disabled the email. I was finally able to payoff one loan because it was sent to a creditor. I am at a loss and this company has reported months of late payments and one of the accounts as a delinquent account. I am a consumer that pays my bills ontime. If i were past due the company should have sent a notice in the mail. I was not aware that the account was not autodrafting. We are talking about two accounts totaling less than {$200.00} where payments were made timely via autodraft until they allowed someone to steal my account. Please help me in getting this resolved with a company that everytime i call i get the runaround and only a supervisor can help yet a supervisor is never available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXXXXXX XXXX  XXXXXXXX  # XXXX, and XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, And XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer Reporting agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I XXXX that happens to be a Corporation. I wanted a new credit card that I could use for expenses XXXX vendors, etc. ) that would offer high acceptability and rewards. I opted for the Capital One XXXX for XXXX, that offers 2 % cashback on all purchases. Like the other XXXX accounts the corporation has, it requires a credit check for both myself and the corporation. The other XXXX accounts, XXXX with XXXX and XXXX XXXX, all report only to the Business entity, since it is a corporation and is treated as a separate person. In applying for those XXXX lines of credit, they show up as a 'hard ' credit inquiry on my personal credit, which was XXXX understood and assumed. However, the Capital One credit card shows up on XXXX on the business entity and my personal info. Highly unusual, but as I understand, legal ( especially when considering my excellent credit ). I informed them of this perceived inaccuracy and they assured me this is their standard practice, to dual report on all businesses, regardless of type XXXX sole prop, llc, corp, etc. ). Unsatisfied, they transferred me to a kindly young lady named XXXX at executive account resolution. Over the course of approximately 3 weeks, she was unable to provide any written disclaimer stating this was the practice of Capital One. As of today, she directed me to a statement that is located on the XXXX Bullet Point of the section titled " Additional Terms and Conditions '', which states that we ( I and the business ), " Authorize the receipt and exchange of credit information on XXXX the Business Signer and the Business, including the exchange of information between Capital One and affiliates ''. This is not a disclaimer relevant to my concern. If it had been known to myself that dual reporting to the XXXX credit agencies was to be expected, I would not have applied or accepted this credit offer. I suspect strongly that this is not easily solved- not for a lack of being complicated, but for a lack of stubbornness on Capital One 's and the credit bureaus. I have not contacted the Bureaus since they have not done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed up with XXXX with the agreement that my monthly bill would be approximately $ XXXX/month. I informed XXXX shortly thereafter that when I was at home the signal was so poor that the phone was unusable. In response their " customer retention '' staff sent me what they called a " signal booster, '' which solved the problem. One day the signal booster was not working so I called their tech support line. Rather than troubleshoot the problem they immediately decided to just send out a new booster which arrived several days later. However, about an hour after speaking with XXXX tech support the equipment suddenly started working again, so I called XXXX tech support again and they told me they would now send me shipping materials to return the old equipment. I did n't need the new equipment, and the shipping materials they sent were in no way suited to fit the box containing the shipped item. Rather than waste time and money shipping the unopened package I simply delivered the unopened shipment to my local XXXX store and they said no problem. Due to the inconsistency of their billing, i.e. my beginning monthly bill was about {$55.00}, but over several months it crept up to over {$80.00} per month. Seeing a massive charge on my following bill for the signal booster was the final act of financial misconduct I was willing to tolerate from XXXX. I cancelled my account and paid my cell phone usage balance, but not the charge for the equipment that I saw on my bill. 
Now I 'm seeing these derogatory remarks on my XXXX and XXXX credit reports with a ridiculous charge of {$700.00} by a collections agency called Convergent. I am quite frustrated and confounded and I think the charge and the negative remark should be removed from my credit report. If there was a balance on my cell phone usage for the account I would gladly pay it and have the matter resolved, but to be erroneously charged for an untouched, unopened, and returned piece of equipment is downright unfair. 
I have a decent job and have paid every debt ( besides this one ) in full ... .i.e. not a reduced amount or a settlement, but paid in full so as to encourage positive reports to the credit bureaus. This charge from XXXX or Convergent is inaccurate and out of line. This is my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report and noticed that my utilization rate is being reported on my Barclays account. Utilization rate is categorized as an " experience '' I have with that company so reporting it publicly to XXXX, XXXX and XXXX is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) ( a ) ( i )

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 2020-06-17
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following account : National Credit Adjusters. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with National Credit Adjusters back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to National Credit Adjusters the attached documents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SEQUIUM ASSET SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1600.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$2000.00} Balance Updated XX/XX/XXXX The information above is another debt collector, possibly the 3rd I am not sure. I disputed this debt which was through XXXX XXXX last year. XXXX sent me an update in XXXX XXXX stating that it was removed from my credit. It was sold off to this new debt collector SEQUIUM ASSET SOLUTIONS which the only phone number online to call them is an 800 number and it only allows you to punch in an account number and pay a debt. I disputed this AGAIN with XXXX, the results came back as the debt is " accurate '' This is a debt that originated in XX/XX/XXXX somewhere in the south XXXX XXXX area. I have never lived down there, I never had accounts with XXXX XXXX, I called XXXX XXXX last year, they sent me paperwork to dispute it. I thought it was done, but it's back again and It has taken up so much of my time, destroyed my credit which I try to maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U.S. Bankruptcy Court has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions to do so. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-19
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:
Equifax and XXXX have failed to act on my complaint of identity theft despite being sent the requested paperwork and documents on four separate occasions. As a victim of identity theft, I submitted fraud affidavits and copies of personal identification to the credit reporting agencies, a number of creditors and several collection agencies. Most of the companies resolved the issue and removed the offending accounts. One company - XXXX XXXX - ignored the complaint and is now reporting the same fraudulent account to the credit reporting agencies THREE TIMES. Each of the accounts is reporting the same open and close date, the exact same account number, and the exact same open balance. This has destroyed my credit. Not only has the fraudulent account for XXXX XXXX not been removed, it's now being reported in triplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.

Company response to consumer: Closed with explanation