BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-12
Company: AAA Collections
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made 6 payments to sallie mae/navient through money order. All 6 payments were cashed by sallie mae/navient, but never credited to my account. They put me into default for no payment for 270 days, even though I made 6 payments. I put my full name, address, and SSN on every money order. XXXX XXXX XXXX charged me over {$10000.00} in fees, and the US Government charged me {$22000.00} in default penalty. Had sallie mae/navient credited my account the payments, I would never have been put in default and charged {$30000.00} in penalties and fees. I was finally able to get somebody at sallie mae/navient to research my payments last year. They admitted they were never posted to my account and they refunded the 6 payments to me in 2019. What the US Government did to me is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was removed and then re added back to credit. I dispute due to identity theft and was threatened with it showing bad on my report. Account is now closed and still report with excessive late payments

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 2020-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I paid for an item through XXXX, the sender did not deliver the item. Then did not refund me. XXXX will not refund me. The bank will not refund me.

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 2017-06-12
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:
On  XXXX   XXXX ,  2017, cont acted Experian regarding dispute with  XXXX ,  XXXX  Experian did not properly investigating the validity of debt with  XXXX   XXXX   XXXX   XXXX   . I  notified Experian that I provided  XXXX ,  XXXX , documentation that disputes the information  XXXX   XXXX   XXXX   XXXX  initially provided and that information was not requested and inaccurate information was submitted to the credit bureaus.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was checking my credit and saw a time share on my credit when I called. They said they couldnt give me any information. This is illegal. Its lates on my report for something I never had please delete it. its not mines and the creditor refuses to give me information. and the credit bureau are being rude

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 2020-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
SPS Select Portfolio Servicing Department is not analyzing my income correctly and does not ask for any additional information to clarify 1. how are they calculating my net income without all net deposits from my paystub being included ; 2. How is my net income of {$100000.00} not adequate for a repayment plan or modification when the documented net income is 3x the amount needed to qualify for a mortgage payment equivalent to my balance owed.

3. what payment was calculated as not reasonable or affordable?

4. how much more money is needed to be paid on a payment plan after the {$20000.00} that I paid was not properly applied to the principal and interest amounts that are required by law 5. what other financial documentation is needed to verify my income as none has been provided? 

6. What happened to the latest paystubs, W-2 's and notes on pay sent in XX/XX/XXXX and again on XX/XX/XXXX, now being sent again, as your letter of XX/XX/XXXX is using information submitted in XX/XX/2019 versus the latest information provided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
State: AR
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:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with Experian, XXXX, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX ever provided any XXXX Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
All my credit card bills have zero balances with paid I full : XXXX, XXXX XXXX, and XXXX. Have never been late or delinquent. There should be no delinquent credit information on my credit report for any accounts considering Federal Truth In Billing and Credit Reporting Disclosures Act and FTC Law with legally variable proofs provided. It is the due diligence of the bureaus to report true and accurate informations to avoid discrimination in lending. 

In addition, moved to dispute all credit inquiries within the last 180 days to current because they were done in bad faith, malice intends, and knowledge without proper authorization and Disclosures as a matter of law as exposed vulnerabilities. These inquiries have substantially caused my credit report to decrease as consequence. As a result have threaten my access to equal credit and to apply for loans to enjoy the equities in my homes.

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 2021-05-14
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
I have a fraudulent account on my credit report, which I reported it to BARCLAYS BANK DELAWARE, yet BARCLAYS BANK DELAWARE is not removing this fraudulent account. BARCLAYS BANK DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BARCLAYS BANK DELAWARE Bank has refused to do this. The following is the fraudulent account : BARCLAYS BANK DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.

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 2017-06-12
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am submitting a complaint on the escrow shortage for our servicer. We purchased the home in XX/XX/XXXX. At the time of closing we setup our escrow account on the unimproved amount. The assessed amount at that time was {$350000.00}. In XX/XX/XXXX we paid an escrow short of over 6,000. It appears to me the lender did zero research in coming up with this figure. The taxes should have been based on an assessed amount of {$420000.00} which was the amount the county released and posted online in XX/XX/XXXX. <P/>Recently they sent us a bill dated XX/XX/XXXX yet again collecting an escrow shortage in the amount of {$2000.00}. We are now in XX/XX/XXXX and the assessed amount is {$410000.00}. I have called Roundpoint and asked them to explain how they continue to get away with setting up our escrow account wrong and the only answer I get is, sorry this is your taxes with ZERO explanation as to how we are now paying a 2nd shortage. <P/>How are we paying an escrow shortage when our taxes actually decreased from XX/XX/XXXX to XX/XX/XXXX expected amounts?? <P/>I am highly concerned with all borrowers being serviced with Roundpoint as we have no idea of what to expect our payment to be even when the assessed amounts are decreasing I am being asked to come up with more money. <P/>This is very hard on myself and my family to budget for a home. We are struggling to come up with the amounts and I feel they have failed to set proper expectations with me as a borrower. I am concerned with the decreasing values in my subdivision and the increase in my payment will force me out unable to sell for the amounts we owe.

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 2020-02-27
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had 2 credit cards closed by Citi on XX/XX/20. 

One account had just recently been opened ( XX/XX/20 ) and a statement had not closed yet, so my pending rewards of XXXX Thank You points disappeared. The other card, which had been open for years, had unredeemed reward dollars that had been accruing for awhile, as well as pending reward dollars from my most recent statement, totaling over {$2500.00}. 

On XX/XX/20, I contacted the number provided to me upon signing into my account regarding the closure and the automated system said that I had {$2400.00} in rewards available currently and after my statement closed on XX/XX/20, I would have {$2700.00} in rewards. I spoke to 2 representatives and they said they were unable to redeem any at that time, but I would be able to redeem all rewards after my statement closed on XX/XX/20. I asked why I was unable to redeem the points that had been available for redemption prior to the closure of the card ( {$2400.00} ) and the representative was not sure and said he was unable to do it. I asked for a supervisor to see if they had the ability to do so and spoke with an account supervisor who indicated it should be no problem. She forwarded a request to another department to have a check sent to my address for the rewards owed. On XX/XX/20, I received a letter from Citi in response to the check request stating that all previously earned cash rewards were forfeited when my account was closed. 

My accounts were in good standing prior to the closure. They had just approved me for another credit card on XX/XX/20, less than a month prior to closing both accounts, so this was out of nowhere. It appears to me that Citi merely closed my accounts so that they could confiscate a large sum of rewards and avoid having to pay them out.

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 2022-04-04
Company: Genesis FS Card Services, Inc.
State: CO
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:
I entered my Payment for 2 cards. Indgo and Desteny. Both are with the same Company and neither of the 2 went through. Both sites freeze when I attempt to make a payment. I am still within 30 days. I feel they are trying to NOT let me make a payment. 

This feels like an unfair practice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: TD BANK US HOLDING COMPANY
State: TX
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:
I received notification on my credit report XX/XX/2021 that I had a late payment to TD Bank/Target of {$290.00}. 
When I checked my amount there was a zero balance. 
I called TD bank and spoke with an employee who told me she could take the late charge off but I would need to dispute the derogatory late report on my credit. 
I did an online dii I dispute, but was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened XXXX XXXX Visa, Comenity Bank in XX/XX/2019. I didn't get an cards or statement for over 2 months. They sent it to he wrong address. Once rectified, I paid the balance in full within 6 months but found out that I changed me interest which they refused to take off ( it less than 6 months ). They counted the 2 months that I didn't have activated credit card. So I sent in a payment in full with letter to cancel credit card account. They did not credit check for 10 days & then changed me a late fee. They refused to remove late fee. This is a bank I will never do business with again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This Complaint is abo ut WU 's  refusal to correct the misuse of my information by  XXXX  of its users.     I am a  XXXX  citizen, living in  XXXX . Someone has been using the  western union international money transfer services to send money from ne w york to  XXXX  and registered my email as theirs, so in half a year I have received at least  XXXX  money sending notifications, I have called on  three  times the number  XXXX  of  western union custo mers to request to correct this situation, without which to date I can give a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
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:
This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I  have allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.

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 2020-06-21
Company: EQUIFAX, INC.
State: AR
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:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Kriya Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have 2 seperate collections through cell phone companies that I have never had knowledge of showing up on my XXXX Report. 

1. {$10000.00} through 11 XXXX  XXXX  sent to Credence Resource Management on XX/XX/20. I have disputed the debt with XXXX  directly, attempted to dispute it with XXXX XXXX  and they told me they have no record of an account under my name or SSN, and I told the debt collector who called me that it was a fraudulent account and they said they would submit a dispute and I have never heard anything else from them. Despite all of this it is still on my credit report. 

2. {$2300.00} through 11 XXXX sent to XXXX XXXX XXXX on XX/XX/20. I have also disputed this with XXXX  directly and they told me they confirmed the account was valid, although I have never had an account with XXXX. I submitted 2 online disputes to XXXX Fraud unit online, the first time they told me I did it incorrectly and the second one is pending. I have never heard from this debt collector and when I called them they said they had no record of the debt. Again it is still on my XXXX  rerport.

Company response to consumer: Closed with non-monetary relief