BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filing a report of Fraud in reference to an account that was placed in my name years ago and I reported to the company that I didn't open the account and it was supposed to have been deleted, but it wasn't and it was allowed to accumulate service fees and late charges that are still trying to be assessed to my name. The current holder of the fraudulent account, Transworld System Inc, continues to preform a dishonorable act by continuing to report this fraudulent account on my credit profile after years of dispute on my behalf and inconsistent, unverifiable documentation supplied by the said original creditor which is XXXX. The said fraudulent Account # XXXX needs to be removed from credit profile immediately, for it is not my account, so I bear no responsibility to this said fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$4200.00} XXXX  XXXX Balance : {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Bank keeps changing the amount I owe for escrow. In less than two weeks I was told my shortage went from $ XXXX to $ XXXX to an additional $ XXXX. They've applied an escrow payment to the principal in error and I can not trust what they say over the phone nor can I trust their paperwork is correct. To date, they claim I still owe them {$6000.00}. My loan was sold to them in XXXX. Before the transfer my insurance was paid and the difference was sent to me. I sent the difference ( {$6100.00} ) to Truist. ( proof of insurance payment is attached ). 

That difference would have been close if not enough to cover at least the school taxes, leaving only the county taxes unpaid at the time of transfer. My total monthly escrow comes to {$1900.00} ( based on what was paid in 2022 ), which to-date ( 5 months ) would be {$9900.00} plus the unpaid {$6100.00} for county taxes comes to a total of {$16000.00} for escrow. For all the payments I've made to Truist ( {$23000.00} ), that comes to a difference of {$7600.00} in my favor. My monthly principal/interest payments add up to roughly {$1500.00} for the past 5 months ( a total of roughly {$7900.00} ). My arrears then should only be about {$300.00}. 

Last week, both Monday and Friday, they said I owed {$8000.00}. I wanted to pay the {$8000.00} and close the escrow account. Then they told me I couldn't close the account until I paid them an additional {$6000.00}

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 explanation
Consumer complaint received 2020-10-03
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I review my credit report there are seems to be accounts that are misleading and needed verification for their erroneous reports. I already sent the necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. so kindly verify these accounts : XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXXXXXX XXXX XXXX Balance : {$1000.00}

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 2022-03-02
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with. 

The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX  telling me to upgrade with TD Bank Rewards Dept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: MOHELA
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: Public record information inaccurate

Complaint:
The accounts with MOHELA that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Self Financial Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My self credit card account as well as my credit builder account were closed with no explanation on XX/XX/2023. I had called the support line, and chatten the live support teams with no resolve as to why my accounts were being closed. I asked for a manager call on the chat and was told that a manager wouldn't have any answers for me and a manager escalation was refused by the self representative. I was promised a same day manager call back by the phone rep, and a call was never received. Self terms and conditions state that once an account is closed the deposit for the secure line of credit will be returned within 14 business days. After waiting 3 weeks for my deposit, I once again contacted Self via the live chat option and I was informed that my roughly {$3000.00} is being held by Self for an account review. I asked why I am under review if the account is closed. I was informed that no further information will be provided as to the nature of my account, or the status of my money by the chat rep. I find this totally unacceptable. I then called the Self customer service and was supplied with the email XXXX to contact. I was also told that if the review is resolved and I am awarded my payout, I will be subject to another XXXX business day waiting period before a check would be mailed. This is also unacceptable as I have been owed this money for three weeks at the time of sending my email to them. I was told I couldn't be informed of why I am under review, and I have not had any requests to verify any information. I chatted again yesterday and was told again that they are unable to tell me why I am under review, when I might see my money back or any additional info pertaining to the issue. I then received an email stating the same. I have been patient. I have gone through the steps to try and get answers to my questions, and I have waited the appropriate amount of time to receive my money back. I no longer wish to do business with Self. They had no issue taking my money. There should be no issue paying it back. I am requesting expedited payout of the money owed to me. I also looked them up on the XXXX  and they are having several reports of the same issues. Accounts closing with no notice or explanation and refusing to discuss the nature of accounts, or disclose any information for resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My forbearance began in XX/XX/XXXX thru XXXX XXXX XX/XX/XXXX was Informed by Bank of America XXXXhat I had three possible options, repayment plan, modification, or deferment of payments to the end of the loan. I was later told I did not qualify for deferment since I had a missed payment. After evaluation, it was determined that repayment would not be an option because the payments would be too high. The best option would be to apply for a modification. I completed my initial application for assistance in XX/XX/XXXX and provided the requested documents. In XX/XX/XXXX Bank of America had questions about bank statements that were submitted. I provided letters of explanation. 
My initial paystubs were deposited in my daughter 's checking account-provided letter of explanation to Bank of America XXXX In XX/XX/XXXX was informed that the letter was not satisfactory-BOA was requesting my daughter 's bank statement. My daughter did not want to share the information .BOA would accept letter from my daughter 's bank verifying account. The bank did prepare that letter for BOA. In XX/XX/XXXX, I was informed that the information was not sufficient and assets could not be verified. I have resubmitted a request for mortgage assistance -my paystubs are now deposited into my account. I received a letter from BOA that assets could not be verified. I spoke to BOA and was asked to re-submit the application. I re-submitted the application and again received the same response. Bank of America has received all updated documentation but is sending the same response.

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 2023-02-14
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
My wallet along with my way2go child support card were stolen on XX/XX/23. I filed a police report that same day and promptly cancelled all of my credit cards/debit cards. I received my new way2go card on XX/XX/23 but I am unable to activate it. I visited the website to activate it but my credentials such as my California child support participant id, social security number, and the 16 digit card number of the new card, can not be verified. I have to depleted my savings and I am still waiting for the police department to follow up on my police report. Until then, I am relying on the funds inside of my way2go card to provide for my children. I have been calling the customer service number which is ( XXXX ) XXXX to get a hold of someone who can help me verify my credentials but I am unable to speak with an agent nor is there an option to. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XXXX separate occasions I spoke to customer service and loan resolution " experts '' even taking over an hour of my work time to go through financial details in order to work out a plan for some sort of loan repayment. 
I was told I maxed out my in school loan deferment- even though I am still enrolled in school full time working on my XXXX XXXX XXXX. At one point I had to conference call my co-signer who is now an elderly woman living on a fixed income. The account resolution individual was so rude to my co-signer he made her cry multiple times. 
His resolution was nothing. Nothing changed, he demanded payment in full each month and offered XXXX resolutions even knowing that I am XXXX XXXX XXXX and XXXX XXXX- with an elderly co-signer on a social security fixed income. 
Sallie Mae even after going through these processes continues to call XXXX to XXXX times a day and mails letters reporting the account past due and delinquent. I have talked to everyone offered " who may be able to assist me '' with zero assistance and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: U.S. BANCORP
State: DE
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:
Around 2013 several bank accounts and credit cards were opened under my name at Webster Bank without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.

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 2022-03-02
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My son in law recently started assisting me with my finances last month and noticed I was getting a {$25.00} service fee every month on my checking account. I am a XXXX XXXX so i do not use online or mobile banking, I just rely on my local branch to provide me with assistance when needed. We called citibank together and spoke to a representative as well as a team supervisor. We explained that I have been banking with Citibank for 40 years and no one has ever suggested for me to be placed in a Basic Banking account which is free for anyone over the age of XXXX, i found this information from my son in law. I am now XXXX yrs old and i am sure after this is researched further u will be able to see that I have been receiving this {$25.00} fee for years.Basically after conveying this information to the supervisor he said there is nothing he could do, that i was supposed to tell citibank about their products and that i should have known how i can keep my accounts free. After the phone call i decided to put in this complaint because i feel like what citibank did to me is highly unethical and morally alarming due to my age.

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 2017-05-17
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Nationstar Mortgage has stalled at every request. I have gone to     XXXX   XXXX   to refinance and get a loan on the equity on my home. I have been making automatic withdraw payments for over  three  years without fail.  XXXX  let me be late for two years without notifying me and wouldnt rectify it for my credit even though they were automatic payments. I fixed the late payment issue and continued to make on time payments for over a year. My mortgage guy at  XXXX  was on a conference call o n 4  different occasions with Nationstar representatives trying to get them to update my payment information for my credit report. They failed to do so for over a month. I contacted them today a t    XXXX   XXXX   with my  XXXX  rep, and they verbally responded that my payment information would be updated by  XXXX   XXXX . I did not agree with this and asked for a supervisor. We waited on the phone for ov er 15 minutes  longer and they assured me I would get a phone call in "  15 minutes ' ' by a supervisor. That never happened. This company is inept and I cant take it anymore. I am being punished because of thier incompetatant procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
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:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$10000.00}

Company response to consumer: Closed with explanation