BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-19
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 2017-03-24
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In XXXX of 2016, A major flood disaster occurred in the XXXX XXXX XXXX area where I live, Both President Obama and Governor XXXX XXXX XXXX issued a declaration of federal disaster. 
Mail service was sporatic at best and still is. I did everything I could to stay on top of my debts, With mail being an issue, I did miss a few payments, CBNA Sears Account number XXXX refused to give me a deletion of the late payment in XXXX. I sopoke to them on several occasions and they said a natural disaster was no reason to be late on a {$27.00} payment. They were rude and condescending about this debt, I paid the account off, and then they arbitrarily closed the account. I am asking for the law to be followed on credit reporting after a natural disaster.

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 2017-03-24
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!

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 2015-04-14
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.

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 2015-05-12
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in my current home since XX/XX/XXXX. It was purchased jointly with my now estranged wife, she moved out of the home on XXXX XXXX, XXXX, due to our work schedules we never got around to filing for divorce. As the economy collapsed in XX/XX/XXXX, I lost my job and had to file for Chapter XXXX Bankruptcy, eventually converted to Chapter XXXX. In XX/XX/XXXX I was able to obtain a loan modification that knocked off approximately {$100.00} a month, and put me in a XXXX year loan. I was able to complete this loan modification with only my notarized signature. I XXXX in XXXX and filed for Social Security XXXX benefits, during this time I had zero income, I was on the XXXX program and I was able to apply for a loan modification with the help of my US Representative 's office as they contacted XXXX XXXX and XXXX XXXX eventually offered me a modification on a XXXX month trial period, which I completed and I finally received the paperwork to be signed, notarized and returned, only this time, they are requiring that my estranged wife, who walked away XXXX years ago, must sign the documents as well. They wanted the documents returned by XXXX XXXX, XXXX, which I was unable to do for the reason stated above. I spoke with my estranged wife and she has agreed to a simple, uncontested divorce and I am asking Citimortgage to extend to me the allotted time to complete the divorce as I have have continued to make timely payments, based on the proposed modification, yet they notified me that they have revoked the modification and will proceed to foreclosure if my account arrearage is n't brought current before the close of business on XXXX XXXX, XXXX. I have been stressing and fighting to keep my home for some time. I just want peace of mind and would like to stay in my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20
Company: Grant & Weber
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX 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 2016-01-12
Company: LDF Holdings, LLC
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a few lenders you had helped me get off my back harrassing me after I found out its illegal to give a payday loan onlime in massachusettes. Esp at the intrest rates given me at 817 apr! I have XXXX final lender I need to report abd ask for a charge off. This is the last one. I had someone hack into my bank acct before XXXX and I had to close the acct and open another at td bank. So lendgreen at this point is unable to take payments but I can not afford the apr at this rate and being its illegal to loan online in mass they should of never advertised in my email in the firat place. This was the last of a string of bad decisions. If this will go away will be a releif for me and let me pay my other obligations with creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re :  Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: Experian Information Solutions 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:
XXXX is reporting incorrect information on my credit report. Several attempts via phone and US mail informing XXXX of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX attempted to send several correspondences to correct wrongful information on XXXX reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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 2021-10-02
Company: Experian Information Solutions Inc.
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: Report provided to employer without your written authorization

Complaint:
On XX/XX/2021 I went into XXXX XXXX in XXXX XXXX, CA. I requested a quote and asked to be sure my credit would Not need to ran to get me an estimate. This was confirmed with sales associate XXXX XXXX XXXX, who assured me it would not be ran. 
My credit had a hard inquiry pulled by XXXX XXXX the same day XX/XX/2021. 
When i brought it to the attention of the Manager XXXX XXXX, he went on to acknowledge the mistake but made no attempts to fix the error. 
I DID NOT sign any paperwork authorizing a credit report be taken. 
In turn, i have since gotten a negative effect to my credit score.

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 2016-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I underwent Chapter XXXX Bankruptcy in XX/XX/XXXX. I keep getting notices and phone calls from Portfolio Recovery Associates , LLC regarding a dept that was discharged in XX/XX/XXXX. They have XXXX of my credit bureaus, XXXX reporting this as a collections account and my scores have been horrific in part due to this derogatory mark. I have called Portfolio Recovery Assoc multiple times of the past couple of years regarding this matter. My BK attorney has mailed them a letter regarding this. They wo n't stop notifying me, and they wo n't take the negative record off of my credit reporting agency listings. Please help .... 

Here is what shows up on their notices : My name : XXXX Seller : XXXX XXXX : XXXX 
Original Creditor : XXXX Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC Account Number : XXXX Current Balance : {$360.00} This debt was previous to the bankruptcy, and shows account was opened in XX/XX/XXXX. However I believe it 's even older than that, it was bought from XXXX by XXXX in XX/XX/XXXX. Then I think Portfolio Recovery purchased the account in XX/XX/XXXX. Their information is incorrect, and they have done nothing to correct this and have this caused very negative results on my credit reports fr years. I am now keeping a squeaky clean payment record on any small credit amounts I 've now been offered and doing what I can to slowly build my scores after my chapter XXXX almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed