BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In regards to a XXXX XXXX XXXX phone debt I called a debt collection agency by the name of Sequium ( ref # XXXX. I spoke with a representative by the name of the pseudonym XXXX XXXX. I told her I would call back due to my work schedule at approximately XXXX on XX/XX/21. 

I called back and spoke with another representative, pseudonym XXXX XXXX at on XX/XX/21 at approximately XXXX XXXX. XXXX gave me terms to settle my debt. During this conversation XXXX explained that a settlement offer of 30 % of the full amount due. I agreed to these condition and a payment arrangement over the course of 4 months. Before the transaction could be completed this call was disconnected. 

On XX/XX/21, I received a call from XXXX  at approximately XXXX and she explained that the 30 % settlement terms were not possible. After explaining that this was not what I was told, she became rude, abrupt and clearly hung up the phone. 

On XX/XX/21 at approximately XXXX XXXX  I spoke with a representative with the pseudonym of XXXX  XXXX. During this call, I was spoken over, the tone of her voice was very disrespectful and I was also hung up on. 

I called back on XX/XX/21 at approximately XXXX XXXX  to try to straighten the situation out and spoke with a representative with the pseudonym XXXX ( can not recall her last name ). Once I explained the same situation, I was hung up on AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I paid off my account with Citibank, including all pending charges, and asked to have my card canceled. A few months later, I was contacted and informed that another charge had been added to my account that I had not paid for. Apparently, this charge was not reflected on my account. I had been charged late fees for XXXX and XXXX. I called and asked to have this issue resolved and offered to pay for the late charge. However, they refused to waive both late fees. They waived the XXXX late fee ( admitting that they had screwed up ), but refused to take care of the XXXX fee. They also could not prove that the charge was made before I had ask the account to be canceled.

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 2015-07-15
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative called stating that I have a {$1700.00} balance with them, when in fact that is not true. I have proof that I have been paying my bill on a monthly basis with an agency on behalf of XXXX. I frustrated because they have misleading information about me, and have access to my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NC
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:
Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name SXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 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 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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was threatened, called and harassed about these debts. I had lost my job and was in-between when some of this was happening and I tried to make payment arrangements but nothing worked and now my credit is damaged. I have worked so hard over the last 2 years to pay all bills timely and even established additional credit cards to build my credit. After I paid these items that I am referring to, I also took the time to call each and ask that they remove these damaging remarks from my credit report and I also called all 3 agencies to request they are removed as well. Please assist me with getting this corrected. I am a XXXX veteran and while I am privy to benefits this isn't one of them. I am trying to purchase my forever home and at a time where I can enjoy it. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Conn's, Inc.
State: TX
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:
Contacted company directly, and they provided documents that had information which doesn't belong to me, nor did it have my signature. I also pointed out that I had cross-checked the docs with what is being reported to my credit report, and the information was vastly different from one CRA to the next, however, nothing was done about the account being falsely reported. This account is being falsely reported, as it doesn't belong to me, and is also being falsely reported across all XXXX credit bureaus with different information as you can see in the attachments. That is a violation of the FCRA and grounds for deletion. Not to mention that I disputed this in XXXX and XXXX, but there was never a notation that this account was disputed placed on my credit file within 30 days of my initial dispute, that is another FCRA violation. Lastly, as you can see from my attached reports showing how this account is reported you can see that the date of last activity is changed from month to month as well as the payment status is reported inconsistently and incorrectly, which is a re-aging of the debt and another violation of the FCRA. Please delete this account and cease reporting to my credit report immediately. Thank you. -Violations of FCRA 623 a and b for failure to place a notice/disclosure that the account was disputed within 30 days, failure to report accurate information, and failure to update/delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
wells fargo has purchased my mortgage and now i have been kicked out of online banking. i have spent over 4 hours on the phone trying to get this resolved. i was hung up on 3 times and was on hold and transferred multiple times. They cant get this simple issue resolved. This is a change from my last mortgage company and when my loan was bought by wells fargo it was stated that nothing would be changed.

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 2015-04-27
Company: Navient Solutions, LLC.
State: OH
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 always make my monthly payment online from navient.com, but when I tried to make my XXXX 2015 payment, I was unable to log in to my account online, due to some kind of " legal '' issue. Not knowing why I would be locked out, I tried calling the number given. No answer. So I attempted to call multiple different numbers until I got through to a person. I was then asked if I was involved in any type of " legal mitigation, such as a bankruptcy '' which I am not, and never have been involved in any type of legal activity, but this was the reason I was locked out of my account online. 

After I told the rep that I was not in any type of legal mitigation, I made my payment over the phone and they were going to work on getting my access back online to make future payments. About two weeks after making my payment over the phone, I received a late notice, saying I missed my XXXX 2015 payment. Well, it was actually mis-applied by the rep. as I paid the full amount that was due for XXXX 2015. 

I have called, emailed, faxed my issue to Navient and it is STILL not corrected. It is a simple payment correction. I have actively been trying to get this corrected for weeks now and I am getting nowhere with Navient. I was trying to get my XXXX payment corrected before I made my XXXX payment, so it was not mis-applied as well, but since the issue is taking so long, I went ahead and paid my normal monthly payment for XXXX 2015, so please ensure it is posted correctly as well. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we lost our home due to the countrywide scandal.we could not/were not allowed to refinance our home loan due to a XXXX on our house held by a third party. for over XXXX years bank of america was completely resistive to helping and ulimately we lost % XXXX in our equity and our home.we have tried many times to get help through the white house with no results.we appreciate anything you can due. thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX, I discovered that Fidelty Creditor Service had placed an collection on my credit report. I called to find out who they are and what I owed for. Was told it was for a dental account. The manager XXXX XXXX called me a XXXX, a liar and a deadbeat that does not pay my bills. He refused to escalate this to his superior and provide me proof of debt. I tried to explain that I never recieved a call or any mail correspondence from this company. His response was we have a bad address you know about it now so pay your debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account with a promotion for XXXX XXXX miles XX/XX/2016. I completed the requirements for the promotion XX/XX/2016 and contacted Citi to verify. I received a message from Citi stating that I 've completed all requirements for the promotion and would receive my miles within 90 days. After those 90 days passed, I contacted Citi and they did an investigation and concluded that I would n't be getting these miles. I was told in a written letter that I would be getting these miles and now that it 's time to hold up their end of the deal, they are trying to back out. This is outrageous and unacceptable.

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 2016-06-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Citi Bank Att Universal credit card for over 13 y years. I can not manage my account on line since the the account is closed and I am not allowed online access. 
I have to contact customer service by phone in order to make changes or discuss my account. My complaint is about the customer service representatives. They are not professional and totally incompetent. I requested to have my automatic payment reduced from {$250.00} per mo. 
to {$120.00} and 3 different representatives assured me ( including a supervisor ) that the change was made but it was not. Since I can not manage my account online I have no recourse but to rely on customer service reps. 
Last night a rep was just telling me anything and I knew it was incorrect. She was a foreignor and she was totally incompetent and even lied about my account. I want to file a formal complaint about Citi Bank and take any necessary steps to do whatever to have this issue resolv resolved for 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 2016-12-21
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Just looked at my XXXX report and found a XXXX DOLLAR DEBT from a place I NEVER recieved services from!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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:
I XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.

15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.

*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ). 
This company has assigned an attorney ( 3rd party ) which they are committing infringement of privacy once again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with XXXX. This is fraud. I tried to resolve this on my credit file in 2020. This fraud is now being pursued by a new debt collector.

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 2020-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2016-12-01
Company: Amsher Collection Services, Inc.
State: MA
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:
This company has violated the FDCPA rules in numerousity. AmSher violated federal law by making automated phone calls, and calls using an artificial or prerecorded voice, to cell phones without consent. The company has not validated any debt nor followed MA State collection guidelines. Litigation is eminent against the company under XXXX XXXX XXXX, XXXX XXXX for their acts of " Unfair Deceptive Acts and Practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint due to the issues I have on XXXX/XXXX/2017 while calling the company who services my mortgage. I tried setting up our account online only to be told my account did n't exist. I then called Selene Finance and the rep who is attached to us was n't available so I help for customer service. The gentleman was very rude in telling me I should be happy the company is even working with me with me being so far behind on my mortgage. I then told him that I have no idea why he was making those comments to me being that we had just finalized our modification on the XXXX/XXXX/17 and the payment was made on XXXX/XXXX/17 of {$890.00}. He then continues to be rude and tell me I could n't talk to anyone and he would send a message for someone to call me back. Well that never happened. I even called XXXX our loan specialist and left a message for her on XXXX/XXXX/17 with no response back and today is XXXX/XXXX/17. I also left a message today but have tried at least 10 times to get a customer service rep but it wo n't even send me to anyone else even just a regular customer service rep. I 'm not sure what is going on but I do know that every document that needed to be signed was signed and dated by the due date and the payment was made on time. I do know that I am tired of going through the same things with this company and the treatment is so uncalled for. We have done everything asked even when you did n't hold up on your end. Just like you sent us a 1 day envelope with a 2 day posting. I even told XXXX about that and was told to not worry about it as long as the documents were dated by the time they were suppose to be. I was also told she saw the payment and everything would be fine. Well now I 'm finding out otherwise and not XXXX person will call us back. This is not how you should treat your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Aldous & Associates, PLLC
State: TN
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:
I was contacted on XX/XX/XXXX by XXXX regarding the cancellation of internet service with XXXX XXXX, which I paid for when breaking contract back in XX/XX/XXXX- XX/XX/XXXX. The woman informed me I owed {$99.00} still. I told her I never received such a bill from them. She said she would check on it. In the meantime, I contacted XXXX, and they told me I had paid everything and was current on my account ( I still have phones with them ). I received a XXXX call on XX/XX/XXXX stating that if I did not pay the {$99.00} it would go on my credit bureau. I asked again for them to send a bill. She said she sent it to an address I 've never had, and that if I wanted it, I would need to write them a letter and send {$10.00} and request the letter be resent. They gave me the claim number of # XXXX, and again, they told me that if I did not pay this would affect my credit bureau. I 'm at a loss. XXXX says I am clear, and Aldous is telling me I need to pay money to receive a bill. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: The CMI Group, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT MANAGEMENT LP XXXX XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this account. 
CONTACT INFORMATION CREDIT MANAGEMENT LP XXXX, TX XXXX This account says i owe {$370.00}. 

THis is the second time this creditor has placed a false collection account on my credit! This account says i opend an account in XXXX with this company and never paid a bill. I have not opened or authorized an account with this company. This false information deduct points of my score and I want my points back. I have nothing negative on my credit report and I have never been late on a payment! I don't even owe medical bill! I just bought a new home in XXXX and a new car in XXXX ... there is nothing negative on my credit report except this fraudulent account that is not mine. 
I have 100 % payment on all my accounts. 

Please help me remove this account from my credit report, and please help replace the points taken due to this fraudulent account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: GA
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. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 U.S.C. 1681c. ( a ) ( XXXX ) XXXX 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 buy more than seven years.

15 USC 1681 SXXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation