BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
End poverty Citibank for HomeDepot will not extend COVID19 relief letter states too many accounts with high balances/ bankruptcy ETC reduced credit score isn't always the case-I still asked for the relief while making payments what I could if not in full but they won't wave the late fees. I am struggling to make payments and do not want to want away from my debt/responsibility. You claim underwater they give add weights we drown. Life is not bankruptcy but a meeting of the minds help customer to stay current with debt payments but it's all based on your creditworthiness. A system designed to further penalize and thus impoverish/ ruin instead of a hand up. I just want to get current they won't wave the late fees claim same reasons for denying any more COVID 19 relief.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I settled the XXXX XXXX XXXX with collection account number XXXX XXXX XXXX XXXX. This account has been paid in full.

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 2016-02-03
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have requested this company to no longer call my place of employment and they are continuing to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted a dispute to Experian 3 times stating that I have never lived at the address being reported, and it still has not been fixed. Any time I log in to check the status, it does not even say that it is under review. An additional complaint is that I logged in about 20 minutes ago to check it, it had n't been changed, so I came to CFPB to submit a complaint. I started the process, then thought maybe I would try one last dispute before I complained, but now when I try to log in, it says " We are unable to allow access to our online dispute service '' and because of privacy reasons they " can not provide a specific reason '' why. I have a feeling, though, that they were alerted that I started a complaint, and blocked my access. So I 'm back at CFPB to file a complaint over the simple manner of an incorrect address that they would not resolve on their own.

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 2021-01-17
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
Midland credit is reporting a new collections account on my credit report. The account is from a credit one account that I SETTLED and CLOSED with lawyers hired directly by MIDLAND. 

Early XX/XX/2020 ( payment was deducted XX/XX/XXXX from my checking account ) I settled an account with a lawyer based out of Georgia that was HIRED by midland. I settled the account for WHAT WAS REQUESTED by the lawyer on BEHALF of their client midland ( XXXX ) and I have proof. The lawyer rep explained that the account was settled and there would be no other contact or collection efforts from midland or their office. Now, midland has reported a new collections account. I am furious that THEIR lawyers would lead me to believe I settled my account. I used the funds I BARELY had in the middle of a pandemic, and now they slap me in the face for {$120.00}? I attached the amount being deducted from my account, and on the day. Midland has access to see this, because they received the payment from the lawyer they HIRED. Scandalous and I will ensure I DONT let up about this. As a COMPLETELY XXXX veteran, Im definitely contacting my congresswoman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed XXXX XXXX XXXX XXXX with Experian. Experian investigated the account and sent me the results that XXXX XXXX XXXX XXXX " remains ''. My Experian credit report shows ; " the date opened is listed as XXXX XXXX ; the account is scheduled to continue on record until XXXX XXXX ''. I was a victim of fraud and do not have any information on this alleged debt. I do not believe this alleged debt should be on my Experian credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Denied for a credit card because XXXX ca n't verify my address. Experian has me at the wrong address. Tried their online dispute form twice, both times it says they ca n't allow access. Tried calling during business hours, waited for " next available representative '' for 30 minutes, then had to go back to work. It is impossible to get this company to address a problem they created. And they charge {$10.00} to lift a security freeze that will expire before I can get them to fix the problem!!

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 2017-01-09
Company: Franklin Collection Service, Inc.
State: IL
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:
A settlement was agreed upon, and immediately paid. Upon checking my credit report, the debt is still listed as unpaid ( two months later ). Not only this, but when I stated that I was going to pay the settlement, they tried to claim that I stated I would pay in full, and would not accept the settlement. Countless calls led to speaking with a supervisor (? ) who finally came to another ( more expensive ) settlement that I agreed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Northstar Location Services, LLC
State: TN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
Husband received a call on his cell phone attempting to locate XXXX ( me ) in regard to collecting an alleged debt that was never owed to XXXX ( XXXX ) on a prior lease from nearly 10 years ago. All state statute of limitations have expired years ago and Ally sold the paper to NorthStar Collections ( XXXX ) XXXX. 
The representative informed my husband that she could not discuss the mater with him, but that the creditor was XXXX and that I needed to call Northstar Collections.

Company response to consumer: Closed
Consumer complaint received 2016-08-06
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This guy is a hacker who has done illegal things i contacted him asking if he could get me items for XXXX $ ( not illegal ) in a game on steam he said sure i gave him the items i wanted sent the money then he blocked me and i ca n't refund it or chargeback or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wakefield calls constantly. We have said, ok, maybe we owe this money, and asked that they send us a hardcopy in the mail detailing what we owe. We have verified our address, but for three months now they just keep calling. Everytime we answer, they say we owe money, and what card are we going to use. If we owe the money we 'll pay, however they refuse to SEND anything in the mail with a balance due on it. They wont stop calling, and demanding money. It 's becoming very frustrating.

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 2016-09-20
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. 
I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. 
Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. 
SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.

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 2015-04-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2015 I transacted with an organization known as XXXX XXXX. I chose the Paypal payment option, having held an account with them previously. After the transaction, I experienced significant difficulty navigating a third party website XXXX which was unknowingly required to use the vendor 's software. Based on this difficulty, within 15 minutes I intended to cancel the transaction and pursue it through other payment methods via the XXXX website. Paypal informed me this was not possible and something I needed to coordinate with the vendor. I instructed Paypal in XXXX directions : 1 ) cancel the transaction, 2 ) cancel my account. They informed me only option XXXX was available and that by doing so, I would be unable to dispute future charges. I informed them that that was practice was not appropriate and proceeded to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I had an account go delinquent with XXXX XXXX a couple years back. They ended up sending a bill with the option to settle for about {$200.00} less than what was owed ( if I sent the payment back in full for what they were asking ) so I decided to jump on it. It wasnt an easy decision seeing as how the pandemic was starting, and my partner and I just had a baby. I sent the payment back to credit one with a check. Never heard from them so I was assuming it was cool. I THEN ( about XX/XX/2020 ) get SERVED by a lawyer for MIDLAND CREDIT. I immediately contacted the lawyer listed and paid the remaining {$200.00} I owed, PLUS another {$100.00} because I thought I had to pay for court fees for midland filing! I got the letter from the lawyer ( on behalf of midland ) that the account was settled and closed. 

NOW I see a collection for {$600.00} pop up from midland on behalf on credit one! Im starting to think these businesses are in cohoots with each other and are taking money from VICTIMS during this pandemic. I have a lot on my plate and this MISHAP just set me back a million miles. I cant believe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!

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 2015-05-13
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection agency notice today in the amount of {$2200.00}. I have never received any bill and do not owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Took out loan using car as part collateral, lost job claimed bankruptcy signed a reaffirmation for the loan.Signed up for automatic deductions from my checking that they take out every month, they are trying to collect money from before the agreement I spend endless time I get it straightened out for about a week then a different number starts calling. Some calls are threatening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
NATIONAL CREDIT SYSTEMS INC ACCOUNT NUMBERs : XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONAL CREDIT SYSTEMS XXXX any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONAL CREDIT SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest credit Systems has reported the same collections on my credit file now for the past year. The account does not belong to me. It belongs to my brother. I have disputed this once before and it was removed. Now they have added the collections back on my account a few months later and increased the amount to a higher balance! The account belongs to my brother. I currently have an active phone line with XXXX  and I am not in any debt with them. You can not have a current line with a mobile service company without paying off accounts you have in collections. This account belongs to my older brother and I would like this to be removed immediately. Stop reselling this account that does not belong to me. They also have not been able to provide me with a debt validation letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Four and a half years ago, I attempted to short sale my property and vacated the residence. I let the bank know that I was unable to maintain the mortgage for the property as well. At some point the property was secured. XX/XX/2015 I was informed that Caliber Home Loans had taken over the home. I reached out to them to find out how to get the home out of my name and to find out if they would be foreclosing on the property. They could provide no timeline as to when things would progress, when they would attempt to resell the property or if they would foreclose. At this time I still have no information and am burdened with additional financial hardship because the home continued and still continues to accrue Condo Association fees since the time that I vacated. I have not received any documentation that it was still accumulating and thought that since the bank had taken possession and changed the locks that they would now be responsible. It was not until I found out a judgement was granted against me for over XXXX dollars and a they started taking XXXX % of my check each pay to pay the judgment amount that this was not the case. In the mean time the Condo fees continue to accrue. I do not know what period the XXXX even covered so I may be subject to more past due balances that I do not have the funds to pay. I spoke with a realtor to possibly relist the property as a short sale because I owe almost 3xs as much as the current market value and because of the lien/judgment she stated that this may not be the route I wanted to take due to the amount of time it could take to even get an offer which would then have to be accepted at a time when the market is low in the neighborhood in which this home is.. I am pleading to get the process moving forward to get this home foreclosed on or what ever the appropriate measure may be to get it out of my name and stop the bleeding with regards to the condo fees. I can not move forward with my life and start over until the bank does what they need to do with regards to home.

Company response to consumer: Closed with explanation