BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-23
Company: CITIBANK, N.A.
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Sears XXXX XXXX XXXX XXXX keeps advertising Appliance Discounts as much as XXXX or 40-50 % off if you use " THE CARD '' It does not say SEARS Credit Card, it simply says " The Card ''. Sears also has a Save with Sears points card that we have. Purchases at Sears or XXXX count and add up over time to spendable currency. We went to our XXXX Sears XXXX here in XXXX, West Virginia. Immediately I asked if I could use my discount card and the awnser was NO. We had to have a Sears Credit Card. We applied and were DENIED. I am XXXX and bring home a little over XXXX a year, my Husband is a XXXX XXXX for the XXXX he brings home a little over XXXX after 21 years. We did have a Bankruptcy, brought on when I became XXXX. My company terminated me. I went from XXXX to 2 years later a little over XXXX. 

Here is my Complaint : " IS IT NOT DECEPTIVE to simply keep saying " WITH USE OF THE CARD '' which could be your points card, a Visa, MasterCard Etc, but repeatedly with every item, it states " with use of the CARD ''. No where does it define " The Card '' as a " Sears Revolving Credit Card ''. We get these hand bills over and over and over and over its the same language. 

I ask that you site them for DECEPTIVE and False Advertising as they should be saying with the " USE OF A SEARS Credit Card Only ''. Its humiliating to apply in a public place, declined and told well sorry thats the only way you can get it for that price. 

The Public should be informed and provided with directions on how to apply from home so they can be spared the humiliation of being turned down at a cash registered where other customers not only here that your turned down but all your PRIVATE Information, such as Social Security numbers, Dates of birth and Income, Employer etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged for something I did not order. The bank insists I made the purchase, ignores my requests for them to provide me with their " proof '', ignores the information i provided which supports my claim that I did not purchase the product. 

I am submitting to you my full explanation to the bank, which explains the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XX/XX/XXXX To Whom it may concern, On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt of {$25000.00} on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt then please send me the instrument of indebtness with my professional signature of my name. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness then the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DESIGNED RECEIVABLE SO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied access to the Home Loan Modification Status iportal for borrowers My Documents tab since XXXX XXXX, 2016 after submitting several documents. I have repeatedly requested my access to the Bank of America created, maintained and managed borrowers iportal, but my requests have been ignored. While I am able to log in to the borrowers iportal and access every other tabs, such as the My Application Status tab, I can not gain access to the My Documents tab page. Apparently Bank of America has locked me out and intentionally denied access to this tab page within the iportal. This intentional lock out and lack of access effectively prevents me from uploading documents, checking the status of my home loan mortgage account information including, but not limited to, the current modification status and who the currently assigned single point of contact is along with their contact information. 
Unblock and unlock the My Documents tab page within the borrowers Home Loan Modification Status iportal upon receipt of this request to do so and ensure that I am not denied full access to the entire borrowers Home Loan Modification Status iportal in the future. 
BLOCK AND LOCK OUT OF THE MY DOCUMENTS TAB ON IPORTAL

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 2021-01-15
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I graduated from XXXX  XXXX University in 2012. A few years after graduating, I was informed that the tuition balance owed ( {$1600.00} ) would be dismissed as a result of a lawsuit filed by the Department of Education. Soon after the notification, the debt was removed from all three of my credit bureau reports. XXXX  XXXX University Online then dismissed the debt and soon after emailed me my college degree ( please see link below ). 

Please review link below : XXXX XXXX XXXX? XXXX The debt was recently picked up by Sequim Asset Solutions Collections Agency who added it back on to my credit reports. I've spoken to them on several occasions explaining to them that the debt is not only a debt that was dismissed, but it is an 8 year old debt, but have gotten no results. They have recently added this old and dismissed debt to all three of my credit reports. I'm writing to file a complaint with this collection agency as well as to have that debt removed from all three of my credit reports. Sequim Asset Solutions telephone number is : XXXX. Their address is : XXXX XXXX XXXX, # XXXX XXXX, Ga XXXX. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.

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 2022-11-01
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called ProCollect Incorporated @ XXXX on XX/XX/XXXX responding to a notice to collect a balance of {$100.00}. The notice was dated on XX/XX/2022 stating that I can write or call them by XX/XX/2022. Which is today 's date, I called and spoke to a man who identified himself as XXXX XXXX. I advised him that I am disputing this debt because I don't owe it and I don't know why there is a balance. He told me that it does matter what I say, if even I call to dispute that doesn't mean anything and that the burden of proof is on me as the consumer to give proof that I don't owe balance. The letter that from this collection agency clearly states that " we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. XXXX XXXX said I can call all day long but I need to send proof that I don't owe this. XXXX XXXX said that the client said that the balance is for a bag of trash and damages. I am requesting proof of these debt as I am entitled to instead I am being denied this is a clear violation of my protected rights under FDCPA.

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 2015-03-20
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
NCB MANAGEMENT SERVICES , INC . 
XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : XXXX XXXX Contacts my work cell phone continuously for a debt collection that I am not the consumer I am the consumers daughter they continuously harasses me even after verbal requests not to contact me and a written letter was sent with the Consumer Protection Act was quoted and sent XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX/XXXX/15 @ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy

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 2022-11-01
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
There were issues with the Vehicle and the Loan company were supposed to pay for those repairs but instead, it came out of my own pocket. We had an oral discussion about it because they contacted me at my job, repoed my vehicle at my job, and withheld my personal property from me for a Month refusing to give me the location of the vehicle, once I ended up getting my personal property that included phones, credit cards, medicine, clothes, etc some items were stolen and I ended up losing my job

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I bought the vehicle used from XXXX XXXX XXXX. in XXXX VA ( XXXX XXXX XXXX XXXX, VA XXXX ) XXXX XXXX XXXX, in late XXXX as a company vehicle. The vehicle was a 2010 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XXXX XXXX. I had believed that I had automatic payments set up so I did not worry about anything. I missed two payments, one of which I did pay, and when I called the bank ( Westlake Financial ) they said they could do nothing and that It was back in the dealerships hands. I made one payment, so technically only missed one, and it was threatened to be repossessed. The dealership would not work with me and told me to pay it in full or it was be repossessed and he would take me to court and sue me if it was repossessed since he would not be the one to cover the lawyer and court fees. After the truck was back on his lot, the dealership owner told me that if I put another XXXX XXXX down, he could submit it to another bank to help me out.

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 2015-05-28
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our mortgage in XXXX we were told the release of lien letter would be sent in 30 days. I have been calling since XXXX and today I get informed that the release of lien letter is not yet available. This is Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress, passed in Congress assembled on XX/XX/XXXX. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Experian ( attached ). 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY XXXX FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR 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 explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Citi mortgage had a modification package as of XXXX see attachment. 
The sale date was set for XXXX. Never once did Citi reach out stating information was needed/missing. Our office has called in for the last 3 weeks. NO ONE contacted the homeowner regarding missing documents. 
There has been a consistent issue with authorization even though XXXX was sent XXXX and XXXX verbals good for 6 months were issued by the homeowner. 
Friday XXXX XXXX failed to mention documents were needed. 
XXXX supervisor XXXX XXXX reviewed the file and stated we should have been made aware info was needed. 
The XXXX never contacted our office until XXXX even though previous emails were sent to him. On XXXX he emailed and stated the sale date for XXXX would not be postponed as it is to close to the sale date. The file HAD BEEN WITH THE UNDERWRITER. Please see attached email. 
It is very apparent CITI has neglected this file. The employees are very incompetent as well as negligent. We are DEMANDING that the sale date be postponed so the file can be properly reviewed

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