BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/21 someone charged XXXX on my BOA credit card and bought merchandise from XXXX XXXX. On XX/XX/21 I called BOA fraud and reported the information. On XX/XX/21 I received a letter from BOA stating the claim had been resolved and a credit for XXXX had been put back into my account. On XX/XX/21 I received another letter that could not approve my claim, saying that someone in my home had made the charges. I called BOA and told them that I'm the only person that lives at my address. She continued to tell me that someone either in my home or had authorization to use my card. I asked her if she had a name. She said yes it is XXXX XXXX. I told her that my XXXX XXXX on XX/XX/21 and prior to that he was in a XXXX home. She told me that there was nothing right about this and she would turn it in to the fraud dept. I have made at least a half dozen calls to BOA and get a different answer every time.I have also written a letter and a copy of my husbands XXXX XXXX I appreciate any help I can get to resolve this matter. Thank you

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 2019-02-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems , Inc in XXXX, GA submitted a collection account from a previous apartment I stayed in while I was filing for ch. XXXX was submitted to my credit a year later. I left XX/XX/XXXX, the collection appeared XXXX of XXXX. My ch XXXX was submitted XXXX of XXXX. I do not know why it did not include the current resident I resided in while filing but the collection account for the apartment was not included. Again, I was staying at this apartment while filing the bankruptcy. I was told by XXXX XXXX, " it was my fault the bankruptcy didn't include the apartment. '' I corrected her and stated it would not be my fault but the lawyers who submitted the information. Maybe he made a mistake or maybe he knows something XXXX XXXX and I don't. The apartment was given notice, I let them know of financial situations changing and that I would have to break the lease 2 months early. The notoriety of the apartment complex is it's own mess but XXXX XXXX, ext XXXX, who claims to be a supervisors, lacks the proper customer service skills and has a bad habit to constantly talk over you and undermine your intelligence how credit and filing collection accounts works. I tried to resolve the issue by requesting a settlement and was given a discount of {$400.00} on a {$2900.00} notice. I'm not stating the accuracy of the collection account is correct nor do I state it belong to me. I was trying to clear up my report since it's tax season and get this debt removed from the credit since its been on there since XX/XX/XXXX. You would think a collection company would prefer settlement and money for an account rather than not get paid at all. As well as the knowledge to know you catch more flies with honey than vinegar. That being said, when I asked her to see if we could come up with a better deal and submit it to her supervisors that's when her tone quickly switched over to the negative state she had. If National Credit Systems would like another chance at coming up with a better " PAID FOR DELETION SETTLEMENT '' I'm willing to handle the account with someone else. This account from my knowledge was suppose to be included in to my bankruptcy, I'm willing to pay on something I was not expecting to have to handle from XXXX but at a lower ethical rate I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the lawXXXX XXXX XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX  XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00}

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 2019-02-11
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have spoken to several representative in both escalations as well as customer relation as well as customer service. I am extremely disappointed in the issues I have been having since I was just transferred to Mr. Cooper. It seems that each representative has their own different interpretation of the Mr. Cooper Transfer Guarantee that I find to be a very disturbing. I have spoken to several teams members, who say they have made notes on my account. My account was official transferred to Mr. Cooper on XX/XX/XXXX. I arrived back in the country from my XXXX/XXXX XXXX Vacation While on my vacation, my mother sent a payment to my mortgage holder. When I came back and found out about the transfer I had my mother cancel payment. I was told by a representative with Mr. Cooper that I could have an investigation started in which I declined because my mother canceled payment. I gave the wrong payment account, however, I was advised that the XX/XX/XXXX, and XX/XX/XXXX would not be reported delinquent, access late fees due to the transfer, messages relayed to me, and then of course the Mr. Cooper Guranteed. 

I was very disappointed to receive that a verification of mortgage was sent stating that XX/XX/XXXX and XX/XX/XXXX was delinquent. I was promised that I was not delinquent and if I made payment by XX/XX/XXXX ( in which I made two payments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1900.00} XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$710.00} TRANSUNION : XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$710.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-09-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have been a longtime customer of Bluebird Prepaid Card owned by American Express since 2016. I have experienced problems in the past year but until then never had any issues with them. I used them as a way to take advantage of getting my paycheck early and after my paycheck was deposited, I would withdraw it and put it into my bank. Being I do not feel safe using my bank issued debit card, whenever I wanted to shop online, I would transfer the money over to my bluebird card to use it to shop. Tonight, I had done the same thing, I added funds to my account and I started using my bluebird account for XXXX so whenever I wanted to take an XXXX, I would add funds to my bluebird account. However, this time, it kept saying there was some sort of error and I kept trying to add the funds in my account. I then get a message saying my account is suspended due to violating the community guidelines. I never broke any guidelines, all I did was added funds to my card which never seemed to be an issue in the past 5 years that I had this card. 

Thinking this was a mistake, I called customer service and they blocked my number saying my account was suspended and to refer to my email. I check my email and they said in order to find out what happened to my account, I need to write in to them via mail. That to me is really shady, they won't answer my calls, I've been hung up on and no one is telling me how I can get my money. MY PAYCHECK gets deposited on that account that was 'suspended '!!!!!! 

I refuse to write into this company that I've given so many chances this past year and ended up screwing me over. I want my money, the full amount and I know how much is in there to be sent to me ASAP, I don't want to write in to get my hard earned money. 

This happened to me around XXXX, it is now XXXX in the morning and Bluebird has caused me nothing but anxiety not knowing how I was going to pay my bills this week or buy food for my household. have heard from other customers who experienced the same thing that they refuse to give back money and I am not going to allow that to happen to me. 

This company has gone downhill and is nothing but a bunch of thieves. I heard this happened to other people, I ignored it thinking it won't happen and it did. Within a day my livelihood was put on hold because of Bluebird suspending me with no explanation and has blocked my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am re-filing a complaint against ( original CFPB complaint XXXX number ) SPS Servicing XXXX. 

Loan Account Number : XXXX Select PortfolioServicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, Customer Relationship Manager, ( XXXX ) XXXX Ext : XXXX Letter sent to CFPB XX/XX/2020 in response to closing case number XXXX " I remember the Loss Mitigation form from SPS, and I completed as I thought it was related to extending my Forbearance. If that was not the case, then that should have been explained to me. There was plenty of opportunity to clarify how it differed because I called and wrote. 

Again, based on the CARES Act, I had the option to request additional 6-month forbearance and I made several requests way before XX/XX/XXXX. I made my first request for forbearance on XX/XX/XXXX when I sent 2 additional 6-month forbearance request letters via the website to Relationship Manager, XXXX XXXX, via the website after speaking with XXXX XXXX at XXXX XXXX CST on that day. I also spoke with Ms. XXXX who said it was not time to request a forbearance so soon. 

Again, on XX/XX/XXXX, I called and made another request on XX/XX/XXXX. I followed up with phone call and another request for forbearance extension on XX/XX/XXXX and again XX/XX/XXXX ( a letter ). There were at least three written attempts via your website requesting additional 6-mo forbearance extension. All correspondence would have been sent to the Relationship Manager, XXXX  XXXX. 
It is not XX/XX/XXXX, even though SPS has attempted to run out the clock. I am filing another complaint with CFPB and will be contacting them Monday, XX/XX/XXXX. '' I have the documentation to prove that I requested a 6-month additional forbearance well before XX/XX/2020, as provided by the CARES Act : Request letter from XX/XX/2020, XX/XX/2020. 

SPS is not acting in good faith and based on CARES Act rules, as I made 6-month forbearance extension request in a timely manner. If CFPB can not help me, then legal remedy may be taken by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a US Bank Signature Rewards credit card at the end of XXXX or early XX/XX/2018. My request was rejected in accordance with the letter of the Bank REF : XXXX from XX/XX/2018. I thought that at the time of the application I had score about 820+ points. However, my application was denied because, according to the letter, the credit agency ( agency ) indicated that I had placed the XXXX  on my credit card. 
This is nonsense! 
... because after a week or two I applied for another credit card and almost immediately received approval from XXXX XXXX XXXX. 
And I wonder why the US Bank refused to approve for a credit card, is this a discrimination?

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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/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 2022-07-13
Company: EQUIFAX, INC.
State: VA
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, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
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:
accordance with the fair credit reporting act 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 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's  office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. 
I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. XXXX of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX XXXX person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX  as well as TransUnion and XXXX all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX XXXX that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both TransUnion and XXXX report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: OK
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:
Hello, My name is " '' XXXX XXXX '' ''. For over a year, i have trying to reach out to get fixed all of the error information in my credit report. However, my affords seem like worthless and my problem still haven't even changed. I notice that all of the name and some of the addresses that exist in my credit report, have no relationship with me and our business. Here are the name and addresses that need to be removed off my credit account : *NAMES REPORTED _XXXX, XXXX, XXXX _XXXX, XXXX , XXXX ************************************************ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OK 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