BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my Truist Checking account on XX/XX/XXXX And I ACH push two transactions into the account, and that's all the activity of this account. 
Then days later, I noticed I had no permission to log in to my account I try to contact Truist Customer Services, Fraud Department, and several Truist branches. All of them said I must walk into a branch to unlock my account or close my account And the nearest branch is 70 miles away from my current 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 explanation
Consumer complaint received 2017-12-06
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received an email for a loan over the internet saying I was pre-approved. I filled out the information and was sent to a page that showed me a loan amount and the monthly payment the next page you click is to get the interest rate and other information before accepting the loan. When I clicked to go to this page the loan was confirmed and then i got to see the interest rate which was right at 60 %. I tried to call them and ask them why my rate was so high but could not get an answer. The information I reviewed said loan would be around 35 % which is very high but I really needed the money to keep a home for my children and me. I have since talked to them and they say I knew what I was getting I have been paying on loan for almost three years and the balance has went down only a few hundred dollars all of the first three years are almost all interest. I am a XXXX veteran and I take lots of XXXX for XXXX and I thought I was getting a loan that I could afford but the hidden rates and payment schedule really caught me off guard and now I have roughly two and half more years to pay these criminals that would take advantage of a XXXX XXXX person and charge 60 % interest to that I will end up paying over {$14000.00} for an {$5600.00} loan. I ca n't believe this is legal. I got a loan paper in the mail today from another company with rates as high as 175 %?? Please help at this point I have paid them back over {$8500.00} and I only borrowed {$5600.00} total. Please help I have tried to work out a deal with them and they said they would rather have nothing than help me out.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
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:
Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX  XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Mark A. Leachman P.C.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A man came to my door and served me a fake summons letter on XX/XX/2022 from XXXX XXXXXXXX XXXX  The document had no clerk signature, court date or court case number. When I emailed and asked for verification of debt- they refused to provide the necessary information. This is the business information : Mark A. Leachman PC XXXX XXXX XXXX XXXX, CO XXXX Office XXXX Fax : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Phoenix Financial Services LLC
State: FL
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:
I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and XXXX that these " collections '' are only hitting the XXXX CBR. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours Mon- Fri XXXX XXXX which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: I.C. System, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I.C is saying I have a open debt currently on my account. This account is 4-5 years old but is being reported as new as of today, again.

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 2022-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I asked Citizens Bank XXXX XXXX XXXX team to assist me with a large international wire on the phone to assure it was done correctly. The bank agent missed a few steps and the wire ( XXXX XXXX ) went out in pounds ( XXXX XXXX ) instead of us dollars. Citizens management informed me to recall the funds but never informed me of a {XXXX} penalty. Citizens took my money and recalled the difference to my account. I have on recorded calls several request asking them to inform me of any penalties. I am loyal customer, I have five or six checking accounts, multiple savings accounts, business accounts, my mortgage and home equity and feel like I have no advocate helping resolve this issue. I have pushed this to the Office of the Chair but have not hear back from them. This was unfair and no one person can explain to me the XXXX fee. There is no advocate for me and I was even more upset when the Office of the Chair called to hear my side of the story but then quickly informed me the decision to charge me XXXX was done. Hi investigation of this matter was incomplete to begin with but why ask then inform me of your decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
BMO Harris bank close my account sent available funds in the account to Unclaimed property. They asked me to provide a hold harmless form from the financial institution. the branch manager from the financial institution, XXXX speak with BMO fraud specialist XXXX, She stated she dont doesnt know why theyre holding money and she request for manager it has been a month. I still havent received a call from a manager, the ACH credit was endorsed to the business account. There was no reason to close the business account. There was no fraud detect Im requesting a call from a manager

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 2020-09-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was offered a promotional no interest period through Care Credit from my XXXX  office to pay for a {$2500.00} procedure. This was the total charge on the card. No other charge was ever made on the card. I was told that if I paid automatically via bank transfer on time each month, I would not be charged interest. The credit card company set the automatic payment amount. I paid every month with auto-draft and never missed a payment. After 18 months, the credit card company added an interest charge of {$1000.00} and has since been charging interest monthly for a total year to date interest charge of {$1100.00}. The advertised interest rate on the card is 26.99 %. The amount of interest I was initially charge after the end of the promotional period was 45 % of the original charge. ( {$1000.00} interest fees on {$2500.00} charge ). This is outrageous and I would have never used this card had I known this was what they were going to do. I tried to resolve this with the credit card company on multiple occasions. One customer service rep admitted that Care Credit ( aka Synchrony bank ) purposefully does not let the consumer know they are only setting them up with the minimum payment which will not result in a payoff within the promotional period. I specifically requested to have this set up to pay off within the promotional period when I set up auto 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 2023-12-07
Company: Credit International Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I just had a garnishment on my payroll check without prior notification from the debt collector, I was never contacted first before garnishment by either mail or phone call. Upon calling they informed me they sent out a mailing 6 days prior to first garnishment to my old mailing address. They informed me that the last time it was reported to my credit report was XXXX. The mailing was XX/XX/XXXX and the first garnishment was processed XX/XX/XXXX. I was not never contacted or called to make arrangements to pay the debt or was given 30 days to write a dispute for the debt. The original debt is from XXXX. In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they can not file a collection lawsuit.

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 2023-08-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navient Corporation regarding their failure to update my account information and the inconsistent information provided by their representatives. 
To provide some context, my account with Navient has been in forbearance for a or XXXX and XXXX, during which I expected my account to be reported as " current '' or " paid as agreed '' on my credit report. However, my account being forbearance due to XXXX XXXX has failed to update my account accurately, resulting in a negative impact on my credit score. 

Furthermore, I did receive the notifications of any late payments or delinquency on my account. As a responsible borrower, I have always been diligent in managing my finances. It is concerning that Navient did not inform me about any issues with my account, as I have the right to be promptly notified of any changes or concerns regarding my loan. 

In an effort to rectify the situation, I have contacted Navient multiple times to request that they update my account information. However, during each call, I have received conflicting and inconsistent information from their representatives. This lack of clarity and inconsistency has further exacerbated my frustration and made it difficult for me to understand the status of my account. 

I appreciate your attention to this matter and I kindly request your assistance in resolving this issue. 

Thank you for your time and consideration. I look forward to a satisfactory resolution to this complaint. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a {$55.00} XXXX XXXX from XXXX ( this account was canceled early XXXX ). XXXX is switching over to XXXX, I've called XXXX several times however no one is able to locate my account or bill and I've been told that XXXX currently doesn't have a billing department. I've attempted to pay this online and by phone several times, with no success. Now XXXX has sent the outstanding bill to collections, which I believe is unfair, since they don't have the proper system to allow me to pay the bill. The bills were also sent to my old address and I did not receive them in a timely manner.

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 2023-02-16
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PHH MORTGAGE, It appears the Payment amount is incorrect and needs to be adjusted properly before payment can be made. ( 1 ) Payment should be {$1100.00}. P & I = {$930.00} ( 2 ) Escrow Deposit {$260.00} ( - ) {$38.00} ( Insurance Escrow is not part of the Mortgage Note PHH purchased from XXXX XXXX This has been proven! Plus Escrow shortage of {$25.00} This Payment amount should be {$1200.00} ( - ) {$38.00} = {$1100.00} or Original Mortgage Note amount {$1100.00} + Escrow shortage of {$25.00} = {$1100.00}. Please correct the payment amount and payment will be made. This is not a late payment it is a lender error. Any questions please Call XXXX XXXX @ XXXX. Please speak English when phone call is made. Thank You 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 2023-02-16
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I've disputed this account a couple of times through XXXX and the last time they added 42 negative remarks to my account but only to two of the bureaus, XXXX and XXXX. XXXX shows no payment history for this account. As my right to have an accurate report at all times, this information needs to be updated immediately. You are in violation of The Privacy Act of 1974 and 15 USC 6802-6805. Reporting transaction history is illegal. I have suffered emotional damage and humiliation by being rejected for credit extensions based on the lies and slander this company has reported. Charge offs are considered income in which I have still not received a check from this company for. 16 CFR 433.2 states that if I have a copy of my contract then I am the holder in due course. 16 CFR 433.3 states this applies for contracts after 1929. 15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open-end credit consumer credit plan as late for purpose. I have tried to get this debt validated with the company and they have failed to provide substantiating evidence. On XX/XX/XXXX I sent a debt validation letter. Their agent received on XX/XX/XXXX even though he signed XX/XX/XXXX. Since then I have not heard anything. They can not produce any proof or contract with my signature. I will be pursuing legal actions in Federal Court if this company fails to meet my demands.

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 2022-10-21
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Halsted has been repeatedly calling from different numbers about a debt that is not mine. They has also contacted random people on my phone contact list and shared information with them. 

Reported to social media, strangers, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I received a bill from XXXX XXXX XXXX store credit card. Showing an opened credit card for credit limit of {$1500.00} and balance owed of {$1300.00}. I never opened this account nor did I purchase or receive any merchandise from XXXX stores. 
XX/XX/2020 Case # XXXX. I submitted a dispute through my Experien credit report. I do not know how anyone can open an account with my name. I tried to find a contact number to reach the bank but none was found. I do not even have the complete card number to even talk with the bank. Therefore they want me to provide my social security number and I refused to give it out since this account is fraudulent. 
On XX/XX/3020 Experien credit reported that my dispute was closed and complete. They stated that the information was accurate. 
Im unemployed and my husband is a retired XXXX  and receiveds XXXX   XXXX  XXXX income. We live on a fixed income. I do not know how this account was opened and I certainly never purchased {$1300.00} worth of merchandise. I can not afford to pay this bill since it is not mine. I do not know what else to do. I do not want my excellent credit rating to be effected by this fraudulent 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 non-monetary relief