BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
A branch manager from Citizen 's Bank called me in XXXX, 2016 to ask if I wanted to extend my second mortgage/ line of credit which was to expire in the XXXX. She quoted me a rate, and I said sure. Completed the required paperwork, and was quickly approved. An assistant manager called to say they were ready to close and arranged a time at a branch closer to me. When I arrived terms not previously told to me were imposed such as : ( 1 ) I had to borrow at least {$25000.00} and ( 2 ) any payments would be deducted from my account monthly. As we at the bank already, we agreed to accept those terms. I quickly paid pack the loan except for {$150.00} so as to avoid any interest payments. 
At the time of the closing, certain forms needed to be notarized. No notary was present, but we were told " not to worry, the bank manager would notarize on Monday and all we needed to do was sign '' We did. Subsequently, the manager came to our house for us to re-sign the loan and to notarize. Of course, we were charged fees and interest not told to us. 
How many other people are being charged fees and interest from Citizen 's bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: EMPIRE MEDIATION SERVICES LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
this collection office uses highly illegal tactics to collect debt. impersonating attorneys, law enforcement and government officials. they try to collect more than what is owed, they threaten jail and wage garnishments, they call people 's place of employment even after being asked to not call there anymore. They do n't even bother to state the mini Miranda or monitor disclosure on any of their calls. The owners name is XXXX XXXX. the " company 's '' name is Empire Mediation Services, located at XXXX XXXX XXXX, XXXX, NY XXXX the phone number there constantly changes so consumers can not call back, but the owner 's direct cell phone number is XXXX. This place needs to be shut down.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: WELLS FARGO & COMPANY
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 have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove 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 2016-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I was recently charged a {$98.00} fee by Bloomingdales for an original purchase of {$27.00} for shaving oil, due to the fact that I never received a bill. I moved XX/XX/XXXX, and although I filed a change of address with the post office, I never received a bill from Bloomingdales. However they charged me XXXX late fees even though I never received a phone call or bill. Today I checked my credit score and this bill was added to my credit as late payment. I have proof that I changed address and during this time I did receive Macy 's information, although nothing from Bloomingdales. I asked Bloomingdales to send me proof that they sent bills but have yet to receive any from Bloomingdales. The only other purchase I made with the Bloomingdales card was a leather jacket that cost over {$800.00}, and this balance was paid off with XXXX payments. Most interesting was that Bloomingdales did not even have the address that I moved from, so I find it hard to believe that they mailed me any invoices. 
I am very angry that this is now a negative mark on my credit for a small bill of only {$27.00}. I am not that silly to ruin my credit for such a small amount and would like Bloomingdales to be punished for their shady tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: Williams & Fudge, Inc
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received a call during working hours from XXXX. The caller would not identify company name or purpose of call, but was asking for my personal information and social security number. Finally, she stated she was with Williams and Fudge, but would not tell me what the call was regarding, and kept asking for personal information : social security numbers, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Portfolio Recovery has been made known since XXXX of XXXX that any correspondence regarding " debt '' for myself needs to be sent to me via mail and to stop calling my phone. They have since then continued to harass me via telephone. I can provide screenshots of the calls. The final straw was a call just now at XXXX. I have also reported the harassment to XXXX in my debt verification letters. The harrassing calls and dates are as follows : XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed several accounts on my credit report that are related to ID Theft. I also submitted a copy of my police report, victims supplemental financial loss report, and a signed ID Theft Affidavit. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ... .XXXX XXXX XXXX XXXX BANK 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 explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX XXXX XXXX. I was charged by transunion twice, for the amount of XXXX. In total, XXXX. This started because I signed up for the FREE 3-day trial of their service to access my scores. It said in small print you can cancel your trial and not be charged as long as you're not within 24 hour period of bill being due, I would say I was on the site a total of 30-40 minutes. Never reached day two. So I'm really not sure how I got charged once, let alone twice. I use many other credit sites, but none have ever charged me like 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 monetary relief
Consumer complaint received 2021-11-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 On this date, I noticed a collection on my XXXX XXXX account from a debt collector company Credence Resource Management, originated from XXXX XXXX XXXX in the amount of {$1000.00} XX/XX/2021 On this date on my credit karma account, i also noticed a collection from XXXX XXXX XXXX originated from XXXX XXXX XXXX in the amount of {$450.00} I called the debt collection company and they mailed an identity fraud package, which i am currently working on, i will be going to get an Identity Fraud Report from my local law enforcement agency on Monday I never used XXXX XXXX XXXX services, never received any calls or emails from them, i never lived in the address the account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

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 2020-06-08
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has been requested to verify incorrect account information reported by the XXXX XXXX XXXX/USDA. They have continued to report this account after a number of requests for the verification documentation and I am yet to receive this information. I have requested this documentation several times and they continue to report this account as verified but no verification documentation has been provided. I have also contacted the XXXX XXXX XXXX/USDA via email and phone and have not received a response in a number of attempts to get a detail of the amounts of refunds that have applied to the balance and to obtain a current detail of the account balance. This has been ongoing for a number of years and I have been subject ot offset since XXXX and have not once received any document to show how the funds were being applied. I have no idea of what is in fact owed on this account. Experian claims to have verifed the account but has not shared with whom they verified or provided a copy of the documentation. I submitted the most recent request on XX/XX/XXXX and as of XX/XX/XXXX, there is still no response.

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 2017-01-27
Company: Synovus Bank
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted 1st Progress AKA FST Progress I sent them a 14 page packet along with the Affidavit they sent me. This affidavit I signed an notarized over 14 times going back as far as XXXX. This company continue to play games with me and ask for me to send the same paperwork as a stall tactic. Knowing I have Identity theft. today XX/XX/XXXX they send me a letter telling me they will refund to fraudulent charges? to a gas station and XXXX?? I do n't understand this is about the whole account. They play the games to be funny and I 'm very serious and on the verge of taking them to Court, If they do not comply with the guidelines and code of fair credit reporting. I am very upset that I have spent over XXXX clock Hours in writing them calling and Paying for Notary to Notarize my Documents. They have also change the dates on the credit report? Can some one please get this fraud of my Report. I do n't understand why a company would continue to Hurt a victim of a crime Like Identity theft. Its been XXXX trying to get my life back. I want this removed ASAP no more games.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
SPS Refuses Mortgage Payment SPS XXXX XXXX XXXX XXXXXXXX XXXX ( 2 minutes ago ) to Ombudsman SPS does not have a brokerage license and therefore is a collection servicer for XXXX XXXXXXXX XXXX XXXX SPS can not change the terms of the mortgage loan. 

SPS is not accepting payment for mortgage. 

SPS refuses to unlock client 's account and allow correct payment of {$450.00} SPS has changed contract without notice and current signature of client. 

SPS is in violation of Modified Order XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX ( 7 days ago ) to Ombudsman Hi, SPS stopped my escrow account this year and sent me a refund. Now SPS is attempting to charge me for said escrow. Without telling me you opened another escrow account. 
I am continuing with the " escrow account closure by SPS. '' I am not opening another escrow account or any account with XXXXXXXX XXXX XXXX XXXX or any other bank. This is theft of money and I have sent the Colorado AG office a copy of this. I DON'T HAVE AN ESCROW ACCOUNT WITH SPS. SPS CLOSED THE ESCROW ACCOUNT AND SENT ME A REFUND AND NOW ALL OF A SUDDEN WITHOUT MY KNOWING THEY OPENED ANOTHER ONE. I DO NOT OWE SPS ANY MONEY OTHER THAN A MONTHLY PAYMENT. SPS STOP STEALING FROM ME ONCE AGAIN. 

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX SPS is Refusing my payment XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX PM ( 7 days ago ) to Ombudsman Given that SPS is refusing my payment, I notified the Colorado Attorney XXXX office. 

If SPS continues to refuse my payment I will take that as SPS is committing theft and will respond legally. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO 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 2022-09-12
Company: EdFinancial Services
State: VA
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:
Hi, this is regarding my request for refund on all my XXXX loan payments made during the payment freeze from XX/XX/2020 till present, total of {$6000.00} at EdFinancial. I have called customer service line multiple times asking the estimated time for refund to be issued and total loan balance to be reinstated in order for me to apply for forgiveness in a few weeks. No one had offered me an estimated timeline and stated that they did not know how long this would take. Whereas other student loan servicers such as XXXX and XXXX XXXX who offer refund to be expected in 4-6 weeks from sending in refund request. This can be very confusing and misleading for me, which can cause significant financial loss if my total loan balance is not updated before I have to apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please update or correct this account. 16. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 17. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  19. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ 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 2018-07-21
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:
There are inquiries on my credit report that I have not done it shows at a XXXX auto loan was filed in bankruptcy which was not it is in good standing has been closed paid in full I also have a credit card on there that I am disputing charges Recently that shows closed but is not. Also it shows with multiple accounts potential negative but file for bankruptcy in XX/XX/2016 and those accounts of been charged off with Experian is the only credit bureau that shows negative marks. It is hard for me to rebuild my credit and try to get loan for school or a credit card. The only account that I have is a auto loan for a XXXX which is in very good standing a credit card which Im disputing charges a cell phone and car insurance. Bankruptcy is a positive and negative with your credit and I feel that showing these negative marks due to my bankruptcy from 2016 is causing me not to be able to rebuild my credit and I feel with not having any debt I should be able to get a credit card or loan with a high interest rate to help me rebuild my credit and it is not applicable because of the report. I feel it should be fixed and not show negative. XXXX I feel is the best report for companies to use and my score should be higher, And probably would be if I did not have those marks or inquiries on my credit. I iust want good credit again.

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 2021-01-19
Company: National Credit Adjusters, LLC
State: TN
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:
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.

Company response to consumer: Closed with explanation