BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I tried to make a purchase at Macy 's XXXX XXXX XXXX XXXX using my XXXX Macy 's charge account. The saleswoman checked my account and said that it was blocked because I had not used the card in 8 months. Since the card does not expire until XX/XX/XXXX, I questioned her, but she insisted that I need to re-enter all my information using their keypad to unblock the account. She said I would receive a letter in about a week with instructions. I used another credit card for the purchase. On XX/XX/XXXX I called the number on the back of my XXXX card to check on progress ( XXXX ). The gentleman who answered said that the account had never been blocked, my credit was fine, and I could use the card anytime. He had received an application filed in my name for a new account which we cancelled. I asked him to file a complaint- he said he would submit a general complaint to the store. I received a letter on XX/XX/XXXX from Macy 's informing me that they could not open a new account because of the credit freeze I had put on my accounts. I put a credit freeze on my accounts several years ago because of all the identity theft. My complaint is that the saleswoman lied to me about the status of my account and tricked me into applying for a new account.

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 2019-12-10
Company: NowackHoward LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 I received a demand letter from Nowack Howard indicating I had a past due amount owed. It was the first time I learned of debt. This predatory collection was sent by the HOA board to as much as 10 % of the homeowners by the Board attorney who conveniently acts as the collection  attorney as well. I sent this in response to them on XX/XX/2019 : " I am writing in reference to your letter dated XX/XX/2019 regarding a past due bill of {$420.00} due to the XXXX XXXX XXXX   XXXX XXXX. You are demanding a total of {$750.00} to be paid on a bill that is less than 6 months old that I had no idea it had not been paid. This email will serve as official dispute of the amount your letter indicates that I owe and as a notice to the HOA for failure to provide due dilligence before escalation. I had thought this bill was paid and never received a notice indicating it was past due. The first time that I became aware of this was upon receipt of your letter. I want to pay the amount of {$420.00}. The HOA or its assign was responsible for notifying me that this amount was not paid and I received NO SUCH letter or verbal notice. They failed to provide due dilligence in notice per the HOA docs. " The Association shall cause a notice of delinquency to be given to any member who has not paid within ten ( 10 ) days following the due date. '' The Board has changed management companies and now will not provide me with proof of their mailing or a timeline of when this can be provided. There is a history of erroneous assessments and fines from the prior management company so their credibility is already questionable. This has been handled by the Board in a  completely unreasonable and unprofessional manner and I am officially disputing the amount due to your firm- ( 80 % added onto the amount actually due to the Association ). I would be happy to pay  the {$420.00} due and would have paid it if I knew it still was outstanding 10 days after the due date. Please advise on where to send the {$420.00} as I will pay immediately. In over 6 years, I have never paid a late bill and I take pride in paying my bills on time whereas the practices of the management company have been questionable. '' Ultimately, the HOA waived the late fee but the attorney 's fees have not been waived and I can not pay the HOA unless the attorney is paid first as all amounts paid are applied to the attorney fee first.. Please help as this never should have been sent to the attorney and I am literally forced to pay their fee. As much as 11 % of homeowners have been sent to this attorney incorrectly and upon the advice of the same attorney at the board meeting. This is PREDATORY COLLECTIONS upon the unsuspecting homeowners. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: CL Holdings LLC
State: DC
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:
Jefferson Capital System is reporting to all XXXX credit bureaus that I have an account with them which I do n't and that I made a payment to them which I did not which has now updated the account so that it does n't fall off. Is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover fraud department incomplete fraud case XXXX I refuse to pay that anywhere from {$2600.00} to {$3000.00} my brother put a car in his mother 's name when he got done with that car disputing charges changeback fraud adult abuse fraud I am on XXXX and so is my mom we can not afford to pay that we are XXXX   XXXX didn't we have the case for a day in the face they just got the paperwork on XX/XX/XXXX starting next month I'm not paying that discover can go to XXXX Far I Care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I do not consent to e-oscar verification. I am writing today because I have tried to contacted the agencies that " assumed '' a vital role in accurately reporting consumer information multiple times over the last sixty days and have received no response. XXXX XXXX XXXX is in violation of 15 usc 1692g as they have failed to validate the account they and XXXX, XXXX and EQUIFAX are reporting while defaming my character. FDCPA 807 misleading false reporting. Reporting these false things is very misleading.18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. FDCPA 8012 furnishing deceptive forms : you furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also you reported that I owe a debt, but nowhere on my credit report do I see a negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By telling me I owe a debt, but reporting positive balance to my credit report is very deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a sears credit card. I canceled the account XXXX XXXX on XX/XX/XXXX. I have had the account XXXX XXXX since XX/XX/XXXX. I asked for a refund but no answer back from them. It is provided by Citibank N.A. I have canceled account care with other credit cards and received credit on my accounts. I was never told that if I canceled account XXXX with Citibank I would not receive credit on my account. Thank you XXXX XXXX at 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 2022-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

RESIDENT VERIFY Inquiry dateXXXX 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 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 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 non-monetary relief
Consumer complaint received 2017-05-20
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mistake with my  XXXX   XXXX  taxes for  XXXX , and  the county allo wed me to fix the mistake. Upon the mistake being corrected,  the county i ssued a check for the amount of {$830.00} for over-payment of taxes from escrow. This check was dated   XXXX   and cashed on   XXXX   with the check number  XXXX . The check was mailed to  Loan Care  at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX   XXXX  in  XXXX , Fl.     I have contacted  Loan Care  multiple times to have either a refund distributed to myself,  the county , or my mortgage holder. Everytime  I  contact them, they attempt to locate an account which does not seem to exist. I am not in their system. My wife is not in their system. My address is not in their system.     How can a check be deposited into an account without being allocated to the appropriate party? How is there not a record of deposits on   XXXX   that can be looked at in order to locate how the check was allocated within their system?     I have been told a manager will contact me back. This did not happen. I have been told to collect more information from  the county . This has not aided.

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 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX student loans with Navient and tried to work with them to reduce my payments based on my income of $ XXXX. All they offered was a forbearance- no income based repayment program. They charged me {$150.00} for the forbearance. I 'm paying over {$1000.00} a month! I 'm buried!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
In XXXX of 2016 both my XXXX and Bank of America checking accounts was charged for by the XXXX XXXX XXXX XXXX Office for a legal judgement that I owed. Since XXXX accounts were debited at the same time I was overcharged for the debt. I called the XXXX XXXX XXXX Office to complain that more money was taken than what was owed. The XXXX Office told me that they had to wait for XXXX checks to be mailed to the XXXX XXXX Office and then I would be issued a refund for the over-payment. When I called to check on the status the XXXX Office informed me that Bank of America had not sent in the check they collected. I when I spoke to Bank of America they claimed the check had been sent in XXXX so I called the XXXX Office again and they told me that Bank of America only has 15 days by law to send in the check to their office and they had still not received it. I have called Bank of America several times since XXXX and each time I call I 'm told that they will cancel the check and reissue another check but it will take three months. However each time I have called no action has been taken and the representatives argues with me and gives me the sames scripted response that the XXXX Office needs to take action. The XXXX Office has been very clear about the laws and what Bank of America is supposed to do. Furthermore Bank of America is actually the company that the judgement was for so obvious that are fully aware that the judgement has been overpaid. Bank of America owes me {$1400.00} which they have kept in limbo since XXXX and we are now headed into XXXX. Please have Bank of America release my money or I will have to file a lawsuit.

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 2020-04-14
Company: PROVIDENT FUNDING ASSOCIATES
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Provident Funding Associates, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Provident Funding Associates denied a refinance on our second home. Their underwriters tried to force us into a " rental '' mortgage ( at a higher rate ) because our grown daughter lives in the home. Tried to call it a rental even though she is on Title to the home along with us. This deception and attempted coercion should be punished. Provident was aware going into this refinance that it was a second home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: HOVG, LLC
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I already have a case going..Case number : XXXX I have received several calls since my last submission and I stopped answering the call. One call the man asked my father if he was related to me. Tonight I received a call and my father gave me the phone. I told the man several times I do not have a job and I do not have money to pay that bill at this time. He wanted to know when I stopped working and why and who pays my bills if I have not money to pay my bill, how to I pay my rent and cell phone bills. ( I live with my parents as I am their caregiver since I lost my job- I do not get paid ) All my bills are going to collections because I ran out of unemployment. I told him I was not going to explain myself again and he said he knows because they have been calling me. I hung up on him because I was tired of repeating myself to someone who does not speak proper XXXX and is hard to understand and would not listen. He kept repeating saying they needed to update their system on how I pay my bills and why I wont pay that bill. I told him how I pay my bills was none of his business and he said it was because if I am paying other bills they need to know why I have not paid them.. I told him I was not going to explain myself again and hung up. I was on unemployment and had to decide what bills had to be paid on {$260.00}. Their bill was at the bottom of the list and I ran out of unemployment and still have no job. I am tired of the harassment. If I had money to pay all my bills they would have been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

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 2021-06-16
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to XXXX XXXX VS Credit Card, Experian Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing XXXX XXXX  was NEVER listed. 

XXXX XXXX  credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

XXXX XXXX  along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included XXXX XXXX XXXX XXXX Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.

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 2022-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made my mortgage payment by phone on XX/XX/2022. It was deducted from my checking account on XX/XX/2022. Citizens Bank, which holds my mortgage, says they did not receive the payment. I have provided the confirmation number I was given when I made the payment. I have sent them the tracer number from my bank XXXX XXXX XXXX  ). I have sent them a screenshot of my account showing the debit of {$2900.00} going to Citizens Bank on XX/XX/XXXX. They haven't responded to any of this, and when I call insist that I owe them for XXXX, 2022. 
Thank you for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief