BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
- XX/XX/XXXX, I called XXXX  XXXX XXXX and found there were XXXX fraudulent XXXX  XXXX XXXX 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called XXXX  Fraud department, XXXX, to report fraudulent accounts, XXXX  Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to XXXX  Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from XXXX  - XX/XX/XXXX, Called XXXX  Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called XXXX Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called XXXX, XXXX said both cases were closed because they didnt receive the FAX. XXXX  re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called XXXX  with XXXX for XXXX  Claim numbers : XXXX an XXXX, and XXXX  said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another XXXX business days. 
- XX/XX/XXXX, Called XXXX  with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called XXXX to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from XXXX via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called XXXX to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called XXXX  and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called XXXX  to request documents since XX/XX/XXXX. We called XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but XXXX doesn't give me the documents about account application forms, identity used and power of attorney.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: FL
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-09
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid a settlement t o Synchrony Financial  on  XXXX   XXXX ,  2017 for a V  alue City Cr edit card they handle. The payment was for an amount {$380.00} which should have settled the balance leave me owing nothing. I have confirmation both that the payment was sufficient for them to consider the balance settled and of the payment itself. On  XXXX   XXXX ,    2017 Synchrony  mailed me a statement reflecting the payment of {$380.00} but showing a balance of {$770.00} and a minimum payment due of {$73.00}. I called Synchrony today  XXXX   XXXX  , 2017 a nd after speaking with several people including someone off shore named  XXXX  and supervisor named  XXXX  here in the United States I was told that my account was under a review period and that it " should be '' settled in 30 days. It is unacceptable that after confirmation of this being considered paid in full that they are now telling me it is under review and I am still receiving bills.

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 2023-09-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am unable to login to my Citi consumer account online. As such, I can no longer manage my " AAdvantage Platinum Select - Citi - World Elite XXXX '', see balances, or update payment information. 

The error I receive when attempting to login is " For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code MFA. '' When calling that number, i am sent into an endless loop as it does not even recognize the card number I provide. When speaking to citi agents, they request me re-register my account, over and over, which leads nowhere. This has been going on for over a month. Citi is not servicing this card as they should and provides no avenues for assistance.

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 2023-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i called wells fargo about the class action law suit regarding over draft fees and they said that they had no knowledge of this lawsuit and couldnt 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 2017-05-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX   XXXX  PURCHASED THIS FRAUDULENT LOAN DEBT, AND IS TRYING TO COLLECT AND POSTED UNVERIFIED DEBT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2017-05-11
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i received a letter from citibank regarding debt protection which i never enrolled in because if i did i would have certainly used it but the link for the refund is not valid and there is no other information to contact them on the letter I would like to file for this refund  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 2023-08-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not given XXXX  XXXX XXXX permission to access my credit profile and they did not have no permissible purpose by law to contact third parties with my private or personal information. 
15 USC 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This company violated my rights they closed the business filed bankruptcy and reported inaccurate information. 
I am demanding this account be removed immediately

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 2017-05-11
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past month, I have been getting incessant robo calls, emails and now calls to my work. I am a cosigner on a loan and on  XXXX   XXXX ,    2017,   XXXX   XXXX ,    2017, ( s econd time on  XXXX   XXXX ,  2017 )  and  XXXX   XXXX ,    2017, I  emailed  Navient and  asked them to stop robo-calling. Today I was harassed at my place of employment. When I expressed that they are NOT to call me at work, she advised me that " the calls WILL continue. '' This is harassment and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions Inc.
State: MO
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 am submitting another CFPB Complaint to express my disagreement with the Credit Bureaus findings and to request complete accuracy. I feel that not enough effort was made to contact the creditors/agencies responsible for reporting the information in question on my report. Therefore, I am requesting more information about these specific items, particularly the Negative Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$100.00}. In accordance with the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I kindly request that you reinvestigate and either update or remove these disputed items. Please provide me with the names and addresses of the individuals who were contacted during the investigation. You have a period of 15 days from the receipt of this letter to complete these actions, unless you inform me otherwise. Please note that failure to verify the items within this time frame constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

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 2017-05-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: TX
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:
I received a letter from you about me enrolling in the credit protector and you charged me a monthly fee, I never enrolled in this program so I am following instructions on the letter and filing a complaint to get this money refunded to me. my ref # is  XXXX  NAME,  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 2023-08-09
Company: EQUIFAX, INC.
State: FL
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We have had a high interest mortgage for almost 5 years now through shell point mortgage and they use a third-party to collect payments. I pay half of the mortgage every two weeks from our personal checking and for the past XXXX XXXX XXXX Ive had to call them every few months and ask them to apply my payments correctly. Last year they had to reverse {$11000.00} in miss applied payments now when I call they say I am not making my minimum payment which is incorrect. They are charging me almost {$900.00} in late fees every month and I can not get anyone to help me reverse the payments. They also tell me its my fault because I go through my bank instead of through the third-party for my biweekly payments, there is record of me calling every few months, and yet I can not get help. Ive even asked for the third party information so I can make payments through them, but have not yet received anything. I believe this is more than poor customer service. This is an opportunity for them to scam us. In the past Ive paid {$1800.00} biweekly which they have misapplied but have been able to reverse now when I call they say Im not making my minimum payment and if I up my payment then it will automatically go towards my payment so I upped it to {$1900.00} And it is still not being applied correctly. By miss applied what I mean is rather than applying my payment towards my monthly payment they are applying my payment towards the principal, and again saying its my fault because I make a biweekly payment. There are more weeks in a year than there are payments, so if they are applying things correctly first and then applying overage to the principal, then I would be current in my monthly payment. I am beyond frustrated. I shouldnt have to be penalized because they use a third party who cant apply my payments right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I wrote a dispute letter to TransUnion disputing 2 accounts as erroneous and mailed them certified. On XX/XX/2022 the letters were received by TransUnion certified mail. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they had 30 days to investigate my dispute. XX/XX/2022 I decided to reach out to TransUnion letting them know I did not receive any response from them stating that they were investigating my dispute so I followed up with a demand and comply letter. In return TransUnion deleted my XXXX XXXX XXXX XXXX account # XXXX but did NOT delete the XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. It was clearly stated that this was NOT another dispute or opportunity to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

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 2017-05-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We opened up a claim against our mortgage company, Bayview Loan Servicing , LLC in XX/XX/2018. When our PMI was finally canceled, our loan-to-value ratio was at 67 %. We requested a refund from the time that our PMI should have been canceled, 78 %. We did receive a refund at the 75 % point. We were told that in NYS, automatic termination takes place at 75 %. We inquired and were told it is because we live in NY. However, after further research, their own paperwork, and the NYS website, it says that when Federal and State law come in conflict, that the clause more favorable to the homeowner would apply. Federal law states that PMI will be terminated at 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: TX
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:
Between XXXX I banked with Wells Fargo and can recall tines I was charged overdraft fees when monies were available or the order the items were withdrew cause multiple fees.

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