BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
My wife and I opened a consumer credit account with Home Depot/Citibank in XX/XX/XXXX to finance the purchase of a new roof. We were informed at the time that the financing would be at 0 % interest for XXXX months and if we paid the balance in full prior to the end of the XXXX months we would not pay any interest. When we received our XX/XX/XXXX statement we realized that the 0 % financing was scheduled to expire in XX/XX/XXXX after only XXXX months and at that point we would be charged interest retroactively. We contacted customer service and were informed that they would extend the 0 % financing for the full XXXX months. When we received our XX/XX/XXXX statement we observed that the 0 % interest had expired and that interest had been applied retroactively raising our monthly payment from approximately {$100.00} per month to approximately $ XXXX monthly. We again contacted customer service and were told to make our originally scheduled payment and that the 0 % financing would be applied retroactively. In XX/XX/XXXX I began receiving collection phone calls and when I viewed the statement online I realized the 0 % financing had still not been applied. I contacted customer service and was informed by XXXX in Escalations that the 0 % financing had not been applied because there was an error in the original account notation in XXXX. They said they would apply the 0 % financing retroactively again as soon as I made the account up to date and paid a past due {$210.00}. I informed them that this was unacceptable as the account was already up to date per the original 0 % financing offer and that I would not pay {$210.00} in interest due to their error. They said that the amount would be applied retroactively to the principal as soon as the account was up to date. I have no faith in that promise based upon the interactions over the previous XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid this account in full recipt 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 2019-12-10
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 information incorrect

Complaint:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?

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 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America reduced my HELOC from {$50000.00} to {$20000.00} saying in the letter only that it was " based on the decreased equity available in my home '' - no further explanation. When I called them they suggested that I could get money on a credit card cash advance. 
When pressed, they said that they had established a value of {$480000.00} for my house which has a market value of at least {$650000.00}. Houses have been increasing in value in the last few years and typically sell on the first day they are on the market. I believe they are using arbitrarily and fraudulently low " estimates '' of value to freeze HELOCs and force customers onto high interest rate credit cards.

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: 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: Information belongs to someone else

Complaint:
ftc violations attached

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: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My current loan has a payment plan of {$190.00}. I contact Sallie Mae to reduce my monthly payments because my husband was in a XXXX XXXX XXXX XXXX  and we are trying to get our finances back on track after his recovery. I have explained my situation to Sallie Mae and they would not assist me in reducing my monthly payment because they feel that my current checking account and savings account is sufficient enough to continue with my current repayment plan. The customer service representative I spoke to said, " You can borrow money from a family member or even get a loan because you don't have a restitution plan in place and I'm not confident you will make your monthly payments if we lower them. '' Then proceeded to tell me that I was approved to have my loan reduced to {$150.00} per month, but said that because I don't have a restitution plan she was not able to help me and that my current payment plan is manageable enough and I could use the money in my savings account. Sallie Mae 's customer service is rude, demeaning, and unsatisfactory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
COAF ran my credit ( XXXX  ) 3 times on XX/XX/2019, once on XX/XX/2019, once on XX/XX/2019 and 4 times on XX/XX/2019. I have spoken with XXXX and they arent helping me at all. The rep told me she was only submitting my app to XXXX auto finance only. I did not authorize COAF to run my credit this many times. These inquiries have put a ding in my credit and now Im having issues trying to get pre approved for a home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
I have made multi call to Citifinanical to remove a Lien-holder from my vehicle. I have never taken a loan out on my car, they do not have anything in their computer base states that I have a loan with them! no record of anything except for my Vin #. The company have transfer me over to many department, finally the Lien department still no records on file, but they will not release my vehicle until I have evidence that it pay in full!. I explain to them I have no document for this issues and I have never taken any loan out. I purchase my care in the year 2004, XXXX XXXX XXXX was my lien-holder, I am the only one who own this vehicle when I purchase it. so I went to the D.M.V and they gave me the the paper work that was requested from CitiFinancial. I need help to correct this issues. Attach with this request is my DMV paper work.

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 2020-04-14
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
XXXX XXXX  XX/XX/XXXX {$1800.00} JMPCB CARD XX/XX/XXXX {$1300.00} JMPCB CARD XX/XX/XXXX {$2300.00} XXXX XXXX  XXXX XXXX  XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolia file sue. the Judge entered a order of dismissal. They refused to remove from my credit report. It has been three years even after many attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Both cases have been Vacated and the credit bureaus will not take the accounts off my credit report XXXX, XXXX, and XXXX. Please help me to remove them. Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney XXXX XXXX XXXX ( XXXX ) XXXX XXXX Plaintiff N/A XXXX XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Counsel Statement of Costs Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Judgment Default Signed XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$200.00} Costs XXXX  : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$1900.00} Principal XXXX  : XXXX XXXX XXXX XX/XX/XXXX Vacated Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney MIDLAND FUNDING LLC Plaintiff N/A XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Statement of Costs Filed by Plaintiff XX/XX/XXXX Judgment Default Issued/Ordered XX/XX/XXXX Motion Vacate Filed by Plaintiff XX/XX/XXXX Order Vacate Issued/Ordered XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX Vacated XX/XX/XXXX Vacated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Midwest Recovery Systems
State: AL
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:
I have a collection on my credit report for a payday loan through MIDWEST RECOVERY SYSTEMS. This collection account was put on my credit report on XX/XX/XXXX, although I have never had a payday loan on my credit report. The collection agency states the account was closed in XXXX in my name. I have never had a payday loan and do not even know how they operate. I tried to dispute it with the collection agency and they say there is no way they I can contact XXXX XXXX because the account was closed in XXXX. I have NEVER received any bills from either MIDWEST RECOVERY SYSTEMS or XXXX XXXX Their is just a random collection sitting on my credit report. I have a 100 % payment history that spans 10 years and this is a major issue I want resolved quickly. Their number is ( XXXX ) XXXX BTW, this is what the " address '' of XXXX XXXX  looks like XXXX : XXXX? XXXX & XXXX! XXXX! XXXX! XXXX! XXXX % XXXX, XXXX % XXXX? XXXX % XXXX! XXXX & XXXX! XXXX! XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: SC
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:
There are two accounts ( XXXX credit card and XXXX loan ) on my Experian credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and a Identity theft cover letter. Experian did not block this information because of the information they got from XXXX, however I have not received anything from XXXX with proof these accounts were mine. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved 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 2015-04-29
Company: Universal Capital Services, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My husband and I have been trying to refinance our mortgage since XXXX XXXX, XX/XX/XXXX with XXXX MortgageLine, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
The company has strung us along, all the while asking for repetitive documents and income statements. We have paid for an appraisal XXXX because the company took so long to process that the XXXX appraisal expired. Each appraisal was {$400.00}. My husband is in the XXXX XXXX and was away XXXX XX/XX/XXXX thru XXXX XX/XX/XXXX. The broker implied this was XXXX of the reasons the refinance was taking so long, but my husband signed a XXXX for me to finalize everything. While he was in training, XXXX XXXX asked for more documentation proving his pay. Even though they knew the military pay was temporary, they said the full time work pay stubs were no longer applicable. When my husband returned to his full time employment after military training, we once again had to submit pay and tax returns. XXXX XXXX has checked our credit score multiple times, which is good standing. We have yet to have an answer of why the refinance is taking so long. XXXX XXXX is working with XXXX 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 2020-04-14
Company: EOS Holdings, Inc.
State: NJ
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:
EOS CCA I recently submitted an Affidavit ( sworn testimony ) to EOS CCA to validate an alleged debt. In my sworn testimony ( attached ) I asked that they provide documents to validate this debt as well as a FULL accounting to prove the accuracy of the amount they are alleging to be owed. Their response ( attached ) does not meet the standards of validation or provide enough accounting to " verify '' the amount they are alleging.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed bankruptcy in XX/XX/2019. discharged XX/XX/2019 why is XXXX still on my credit report when l include them in my  bankruptcy.they already mailed my title to vehicle.

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 2018-07-19
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Citi 's website offers a " Credit Limit Increase Request '' that specifically says " A credit bureau report will not be requested ''. I requested the credit increase on the pretense that there would be no inquiry, and they immediately pulled my XXXX  credit report. They will not reverse the inquiry. 

I have timestamped photo evidence that Citi claimed my credit report would not be pulled.

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 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I called into Capital One to make a payment arrangement. I spoke to a woman who told me when I asked specifically will this keep the account open, since it was at risk of being closed. She said that as long as I made the payment on XX/XX/XXXX, which was my husbands next pay date that I was safe, it would not bring the account current, but it would keep it from being closed. Knowing that my second payment in the arrangement was coming due, I checked the app this morning, only to find out they closed the account. They said that I should have been told that the very last day that the payment could be made would be XX/XX/XXXX. I asked specific questions and fulfilled my obligations. They lied and now my credit will be affected ( not to mention the affect from being included in the breach they had so now my information is out there anyway ). The call was recorded and I want it reviewed and I want the company to have some type of consequence, this isn't just having to pay an extra {$20.00} because of an accounting mistake this affects my credit, and my husbands credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-26
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I opened a complaint with your agency on XX/XX/XXXX ( Complaint # XXXX ) but your portal does not offer a consumer the opportunity to explain how the process is going. This company ( Black Hawk ) had a representative contact me. Her name was XXXX XXXX. She attempted to help me last week by re-registering the card. She confirmed that the prepaid balance was {$200.00} and encouraged me to try to buy on XXXX again. However, The card was denied AGAIN after I had charged the following charges XXXX {$42.00} XXXX {$48.00} XXXX {$10.00} This credit card company owes me {$84.00} in face value alone. I've worked for many hours on this. Between calls to Black Hawk, the CFPB and XXXX, I've wasted many hours. Please compel Black Hawk to send me a new card that actually works. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation