BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-27
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I mailed a certified letter to Calvary Portfolio Service requested an account on my credit report be removed or verified. On or around XX/XX/XXXX I received a response letter from Calvary stating that they are in response of my letter pursuant to the Fair Credit Report ACT on the referenced account and to accept their response letter as validation for the debt I am disputing. 

On or around XX/XX/XXXX I mailed a response letter via certified mail to Calvary Portfolio Service requesting detailed information regarding the validation of the debt and again to remove the debt from my credit report if they can not provide the proper information. To this date ( XX/XX/XXXX ) Calvary Portfolio Service has continuously failed to validate the debt as requested. 

On or around XX/XX/XXXX I received via USPS documents from the State Court of Henry County regarding a civil action filed on the behalf of Calvary Portfolio Service. This Civil action has been filed to garnish my wages from a company that I am not affiliated with and have never been employed by. Despite Calvary Portfolio Service not providing any information regarding debt validation they are pursuing legal action against myself and a small business owner on the basis of a un-validated debt.

Calvary Portfolio Service is using bullying tactics to force me to pay a debt that they are unwilling to validate. Additionally, Calvary Portfolio Service has seeked out fictitious information regarding a small business owner that I am not affiliated with and has not employeed me. Furthermore Calvary Portfolio Service 's failure to remove this in-valid debt is severly damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This account was a payday loan from the XXXX XXXX in XXXX, XXXX. 
XXXX years will be complete in XXXX XXXX. I am requesting that this loan disappear from my account. Company has claimed XXXX/XXXX/XXXX which is incorrect. Please send copy of original note signed to me verifying date. Loan was made against my social security payment from the XXXX government.

Company response to consumer: Closed
Consumer complaint received 2020-09-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CitiGold checking account with a promotional offer according to which I was supposed to receive XXXX XXXX XXXX   miles. I completed the requirements of the offer by the first week of XXXX and confirmed it with the bank. I was informed that within 90 days of fulfilling the requirements I would receive the bonus. 

When I checked with the bank after the 90 days I was informed the bonus would be credited within soon, which later became around third week of XXXX, which became the XXXX of XXXX. 

Finally when I again reached out to the bank on the XXXX of XXXX, I was told that there isnt a date that can be provided but theyll open an internal investigation. 

I have had 5 different conversations about it over a month and just keep getting different answers. 

Seems like the bank is just fooling with me. I have had to spend a significant amount of time communicating with the bank and would ideally like to be compensated for that too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: HW Holding, Inc
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my Complaint # XXXX that was filed with CFPB against Hunter Warfield, the company responded by sending a copy of a rental contract and final statement. Neither of these have my last name only my first. This is not a validation of debt owed. My name is very common.
This rental contract is XXXX XXXX not Hunter Warfield.
Hunter Warfield does NOT a business license in the State of Alabama to conduct any business or to collect any debts. I request that this debt be removed from all 3 of my credit reports.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: CA
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 called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly

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 2020-08-09
Company: TRUIST FINANCIAL CORPORATION
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 have a mortgage with Suntrust Mortgage. In XXXX my payment went up {$1000.00} and i called them and was not late on payments or anything just {$1000.00} more was way to much for me to afford advised that is to much that i can not pay XXXX more so they did a Morgt modification. and advised that starting XXXX i would need to pay {$1900.00} for three months then it would stay at the amount. I payed every month on time even XXXX the same amount. Unfortunately, on XX/XX/XXXX I got into a bad accident and my car was totaled. I started to look for a car and went through a dealer and applied for financing. The guy calls me and said my credit is low and why i have not paid my mortgage since XXXX. He told me without me telling him anything about modification and i ask where did he see that and said its on my credit and why my credit is so low. I told him that I never was late since XXXX and that they are doing a modification but never was i told it would affect my credit. He told me i needed a letter or something because that is bad. I pulled my own credit and indeed it said i was delinquent {$15000.00} even though i was doing modification and been paid on time ever since. I called Suntrust and i got the run around and mortgage department said my credit should have not been affected because i have a forbearance. I told them it does not show anything of forbearance and clearly says i am delinquent since XXXX in the amount of {$15000.00}. I kept getting the run around without being helped nor was getting a letter. They went to supervisor and same run around was given. They then transferred me to Suntrust Credit department in suntrust and that was a waste of time. They said they could not do anything even though i was not told credit was going to be affected nor they wanted to help me. Very disappointed because in a time of everything with the Coronavirus and in addition getting into a major accident they could not help me and pretty much hung up on me to get me off the phone because did not want to help me. Now I need to get a car because my car is now totaled and because of the Mortg reporting that it is delinquent since XX/XX/2020 in the amount of {$15000.00} even though I have adhered to everything they said and never was late with the payments as said in credit report i can get a car. I'm so disappointed and with coronavirus issues, this accident i am very distraught and please need your help to clear my credit to not reflect late since XXXX when i really was not. Please help, really need your help. Thank you in advance for all your help. Stay safe. Regards, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX we had a phone conversation ( XXXX ) XXXX with XXXX XXXX/Supervisor representative for US West Collection Agency. XXXX was able to determine that the account belong to XXXX XXXX and asked for a formal written notice with subject line " dispute acct # XXXX '' we did just that on XXXX XXXX promise to send a validation letter within 30 days. today is XXXX and we still have not received anytime type of correspondence other than he was on vacation and is waiting to hear back from their client. This has caused a major hardship on my credit and ask it to be removed immediately. 

original creditor : XXXX XXXX XXXX {$3400.00} Collections agency US Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2020-01-07
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: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX XXXX  ( XXXX ) ACCOUNT, WHICH IS CHARGED-OFF IS STILL REPORTING ON MY CREDIT REPORTS. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT AND NOTHING HAS BEEN DONE BY ANYONE. NO EXPLANATION WHAT SO EVER. I HAVE BEEN AT THIS FOR SEVERAL MONTHS NOW. PLEASE REMOVE THESE DEROGATORY REMARKS OFF OF MY CREDIT REPORTS. THANK YOU.

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 2017-06-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I 'm learning that XXXX XXXX XXXX got on my registered deed action chain on XX/XX/XXXXMortgage fraud was record XX/XX/XXXX. I were scammed out of my house by XXXX XXXX XX/XX/XXXX. He claims he made a bank buy from XXXX XXXX  Please present in writing to the CFPB what role did XXXX XXXX XXXX play in this transaction. <P/>Please refer to the XX/XX/XXXX letter from the OCC case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: URS Holding, LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this collector called my XXXX mother 's house after XXXX and scared her. He would not say who he was or why he was looking for me. I have not lived with my mother for over 25 years. This company has also called my work. I have told them not to call me again, and it was after I told them not to call my work, that they called my mother.

Company response to consumer: Closed
Consumer complaint received 2020-08-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I noticed authorized transactions being withdrawn from my account via XXXX XXXX and XXXX XXXX totally {$990.00} and I immediately called Navy Federal to file a claim. The the Navy Federal rep said I had to wait for the transactions to go from pending to posted before I could file a claim and once the claim was filed " provisional funds '' would be returned to my account while an investigation was launched. 

I waited for the charges to be posted and then I filled out the form sent to me via email on XX/XX/XXXX. Days went by and I had not seen the " provisional funds '' nor had I heard from Navy Federal regarding the investigation. I placed a call on XX/XX/XXXX to Navy Federal and was told because the transactions looked like I  authorized the transactions in question, they were unable to reimburse me. They recommended that I contact XXXX XXXX and XXXX XXXX. They also said I had the option to appeal their decision. 

The same day I contacted both XXXX XXXX via phone and XXXX XXXX via email ( attached ). XXXX XXXX XXXX said they were unable to refund me the money because it came directly from Navy Federal. XXXX XXXX said that because the transactions were completed that they were also unable to refund me my money. 

On this same day I texted and called the number that was attached to the transactions that were sent through XXXX XXXX and the number was disable. I texted and called the number again on XXXX XXXX and still no reply Transactions total:XXXX 2 transactions from XXXX XXXX : {$140.00} and {$200.00} 3 transactions from XXXX XXXX : {$200.00}, {$200.00}, and {$250.00} I never authorized these charges and those funds were for me to return back to school on XX/XX/XXXX. It is horrible that Navy Federal is not willing to reimburse me when all they have to do is re-examine my past transactions and they will see that I have NEVER made transactions in this amount to XXXX XXXX or XXXX XXXX. My father is a retired vet and we have used Navy Federal for years and they way they have treated me as if I am a criminal and worse a liar is disheartening. All I want is my money back and I will open an account elsewhere. I have attached all the information I have regarding this transaction and will also be filing a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
This is an new issueThe bank opened up an account with funds obtained from a previous account. The Bank was mailing statements until recently. The address listed below was used to mail statements without my consent. 
XXXX Fl XXXXThe statements have stopped being mailed. The bank has made no attempts to contact me concerning this issue. 

The bank has a policy to stop mailing statements this way when fraud occurs they are not responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09
Company: Westlake Services, LLC
State: OH
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 have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I consolidated my FFEL loans with FedLoan to qualify for public service loan forgiveness. I submitted my app on XX/XX/21 with receipt confirmation on XX/XX/21. Since then I've heard nothing. My employe4 hasn't even been certified. Try to call them and you are spending a minimum of an hour on hold. Once I spent close to XXXX  hours on hold, someone answered then hung up on me. Then they tell you they have no information and continue waiting. I've sent multiple emails to customer service with no response other than the autogenerated email receipt. This is disgusting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: M.A.R.S., Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX reporting to credit on defaulting storage units. When units were closed and maintaining a XXXX  balance. Multiple offenses with multiple customers. The clerk XXXX will cuss you out XXXX you a XXXX XXXX XXXX XXXX and hang up on you before you can even finish what you are asking for. Threaten to sue you or file a restraining order if you ask for any information or contact them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I did manage to read between the lines today ( XXXX XXXX, 2015 ) on the Experian website, and it would appear that by asking for an " initial 90 day '' alert within 30 days of expiration of the initial fraud alert, then the corporation gives an additional 90 day extension ( and alerts the other XXXX ). So I did that and Experian assigned the number XXXX to my request for " initial 90 day '' alert which is actually my request for an additional 90 days to the original 90 days, but I am only reading way between the lines on if I have followed their hidden rules well enough to accomplish this first extension. What is the financial payoff to these XXXX corporations by nbot making it easy to get a 90 day extension? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: MS
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 have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Yesterday on XX/XX/XXXX I tried add cash from my bank account to my cash app and it failed no matter what amount I tried. Today I tried again and decided to contact support when it failed again. An automated email came back saying that my account had been closed. I now try to cash out my remaining balance into my bank account and that transaction fails too. I would like to get the remaining balance from my cash app if it is no longer usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Freedom Mortgage Company
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our mortgage through XXXX on XXXX/XXXX/2016. Our first payment is due XXXX XXXX, and I received a random phone call on XXXX/XXXX/16 from Freedom Mortgage telling me they bought my loan. The representative on the phone told me my payment was due XXXX, then changed it to XXXX. When I go online it says XXXX/XXXX/16 first payment is due. I never received a fifteen day notification that my mortgage loan was transferring and now I am trying to get a straight answer as to who I send my first payment through. I have received no bills from anyone.

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 2020-08-09
Company: EQUIFAX, INC.
State: OH
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 have a old repossession that has in accurate information, they have the dates wrong on each three Different credit bureaus.

Company response to consumer: Closed with explanation