BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've sent in copies of my ID showing proof of my correct name which is XXXX XXXX XXXX. I've called as well. They finally changed my name on my credit report but they deleted the correct spelling of my name and added XXXX XXXX XXXX XXXX XXXX. I keep contacting them to correct this and have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2016-02-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.

Company public response: Company 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: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan is with Navient ( XXXX ) My first complaint is that when my daughter was in the military and the military was going to pay off her student loans my daughter and I asked Navient to release my name from the loan so it could be paid off Navient refused. Therefore the military could not pay it off. 
My 2nd complaint is that I 'm a public school employee so I contacted Navient about getting on the loan forgiveness program and Navient said I would have to pay more on my monthly payments to be in the program but financially I could not afford to do so. 
Lastly when I was forbearance I was charged interest. 
The payment plan I 'm on will result in me paying approximately 51 thousand dollars by the time I 'm done which is almost twice as much as what my original loan was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Sequoia Financial Services
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : SEQUOIA FINANCIAL SERVICES To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program and I saw an incorrectly reporting trade line for an account from SEQUOIA FINANCIAL SERVICES for XXXX XXXX XXXX  for {$1800.00}. The account status shows seriously past due and it should not say that as this debt is not owed. 

I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me both a validation and " verification '' as well as the signed HIPAA release with my signature as the item being reported to the credit bureaus by SEQUOIA FINANCIAL SERVICES is a VIOLATION of the HIPAA Act of 1996. SEQUOIA FINANCIAL SERVICES did NOT provide me a HIPPA release that releases my medical information to them, therefore by XXXX XXXX XXXX  providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against SEQUOIA FINANCIAL SERVICES as well as XXXX XXXX XXXX  should this item not be deleted within 10 business days and until the debt has been validated and verified. SEQUOIA FINANCIAL SERVICES is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against SEQUOIA FINANCIAL SERVICES, XXXX XXXX OUTPATIENT, and all 3 credit bureaus : XXXX, XXXX and XXXX. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from SEQUOIA FINANCIAL SERVICES expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc. 
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK! 
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ... 
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS. 

ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC. 
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary. 
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely. 
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard. 
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX. 

Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through 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 2016-08-30
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
UNABLE TO WITHDRAW FUNDS FROM CHECKING ACCOUNT. BANK WOULD NOT HONOR CHECK FOR BALANCE SINCE IT WAS AN ELECTRONIC CHECK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complain is about a dispute on my Citibank Universal card account, last 4 digits ending in XXXX, that was opened last year on XX/XX/XXXX but remains unresolved as of today for a whole year. The case has dispute ID XXXX for an amount of {$5600.00} on a XXXXXXXX e-ticket XXXX Federal regulations requires disputes be resolved in 60 days and no more than 90 days. 

The e-ticket is refundable. It was cancel and XXXX confirmed the refund of the full fare on XX/XX/XXXX. However, only an amount of {$150.00} show up on my account, resulting in an amount of {$5400.00} in dispute. Citibank takes more than 3 months to came back with an investigation result on XX/XX/XXXX. It concluded that XXXX had issued a credit, but did not address the question of why there is only a partial refund of {$150.00} on my account, but not the full amount. The investigation was incomplete, but still they close the case and re-billed my account. 

After further information was supplied to Citibank, the case was reopened. Several communications were made, the last one from Citibank being on XXXX/XXXX/XXXX, in which Citibank told me to be patient. I contact Citi on XX/XX/XXXX again, but have no response from them so far. 

From the date XX/XX/XXXX when the dispute was opened to XX/XX/XXXX to when Citi complete its first investigation, was 106 days, more than the 90 days allowed by Federal regulations. Even then, the dispute remain unresolved and open, and by now it is more than XXXX year. 

In addition, on XX/XX/XXXX Citibank closed my Universal credit card, the reason being returned payments in the last 6 months. This is not true. The account is always current and have exceptional payment history on my XXXX credit bureau report. Also there is no return check and return check fee on my account for the last 6 months. 

According to federal regulations, restricting or closing by creditor of account regarded by obligator to contain a billing error is not allow. Such action is being regarded as an action to collect the amount in dispute. 

Effect of noncompliance with Federal requirements by Citibank forfeits any right to collect from me the amount in dispute and finance charges thereon. I request the refund of the dispute amount and interest into my account, and also the reopening of my account ending in 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 monetary relief
Consumer complaint received 2022-05-16
Company: Upgrade, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I saw a credit file added to my credit report with a late payment. Upon further investigation, I had discovered that my identity was stolen. 

A bank account at XXXX XXXX was opened in my name ( Which I was able to close and remove from my credit ), and a loan was taken out from Upgrade , Inc in my name. The loan was deposited into a bank account I hold ( which I have since changed the information on ) and subsequently the creditor was unable to get payments out of this account. 

I reached out to the company ( Upgrade financial XXXX ) and filed a case for Identity theft ( XXXX ). They have since disregarded all calls for proof of the information furnished to initiate the loan, and are continuing to report this on my credit. 

I have filed all FTC paperwork, affadivit, police report, and statement along with the required information and they still refuse to remove this from my credit. I have filed with all three bureaus in writing and they removed the debt. Thirty days later, they reinstated the debt citing that Upgrade has provided proof.

My requests for proof have gone unanswered and they are not responding to my phone calls.

I was advised through a consultation with an attorney to file a complaint with you.

I will be following up with a certified letter citing all the facts of this to Upgrade and requesting the data they are using to " Certify '' this debt as mine be furnished to me under the rights afforded to me by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
. New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) 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 2022-01-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection Services is in 7 violations! Credit Collection Services is in violation for 15 usc 1692b ( 5 ) 6 times! There was 6 Symbol/Logo on the debt letter and Credit Collection Services Put on the letter " This is an attempt to collect a debt so they are in violation of 15 usc 1692b ( 2 )! I am demanding a {$7000.00} check or 7 individual {$1000.00} checks mailed to my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ) for these violations! 15 U.S. Code 1692k- ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have stated that these account are not my account but they are still listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Mr. Cooper Group Inc.
State: NV
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 already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for Nationstar and gave that information to Nationstar and XXXX did get paid for it also the amount owed on the taxes were incorrect and Nationstar got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with XXXX XXXX the worst part XXXX  did my Credit Report on XX/XX/2021 and Nationstar didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least Nationstar sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX Bank and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried many times to open online a CapitalOne 360 Checking XXXX XXXX XXXX Account on many days. 
I got always a ridicules error message " We are having a technical issue ... Sorry about that '' at the end of the application process. After that I sent an application to CapitalOne over USPS. In the mail I asked either to open a 360 Checking XXXX XXXX XXXX Account or to explain why it can not be opened. I did n't get any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
multiple threatening calls from an agent named XXXX, who was rude and disrespectful to me on the phone. She also threatened to sue me and take away my property if i did not pay. She called me abusive and condescending names, and refused to provide me with a manager when requested. She then attempted to illegally withdraw funds from my bank account after I advised that I did not authorize it. She somehow found out my banking information and made multiple attempts to withdraw funds. Its now been over 8 years, and the debt is beyond the statue of limitations, and thus has been removed from my credit reports as of XXXX 2015. It can not be placed back on it, and they can not attempt to threaten me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX XXXX {$2300.00} XXXX and XXXX XXXX {$180.00} XXXX. The fraudulent inquiries are : 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 explanation
Consumer complaint received 2016-09-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Pioneer Credit Recovery sent a garnishment order to my employer before send me a notification or an income driven repayment plan according to the law. this put my family in a extreme economic hardship since we can not afford to pay our rent or put food on the table. I am living at my present address for over 11 years. please 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 explanation
Consumer complaint received 2015-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
ONGOING ISSUE! My original loan was through Countrywide. From my understanding Countrywide never gave up the note on my home to the trust ... .not because the home is worth considerably less. Therefore you do n't have securities backed by this mortgage. If Countrywide never gave up my note then they have no standing in this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.

Company response to consumer: Closed with explanation