BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Nations Direct on XX/XX/XXXX indicating they had performed an analysis and because they did not have my HOI renewal my mortgage would be changing from {$1800.00} to {$2500.00} starting XX/XX/XXXX. I called immediately and was told that was an error and to throw that notice out and they would be sending a correction. In XXXX after I paid my normal payment I noticed the XXXX amount was not updated. I called again and was told they did not have my HOI declaration page and once submitted the can update. I called my home owners agency they faxed it over and I received a confirmation from Nations Direct on XX/XX/XXXX the insurance was paid. 
XX/XX/XXXX I called again because I was attempting to pay XXXX mortgage at the original amount of {$1800.00} but the system would not take my payment. Upon calling I was told they could not change my payment and I needed to pay {$2500.00} for not only XXXX but also for XXXX because they could not change my payment back without proper notice. They did tell me that an Escrow Analysis indicated that I had overage and I would be receiving a refund check within 30 days of the XX/XX/XXXX notice. Today, XX/XX/XXXX I call to check on status of this refund and it is no where to be found and the request was placed today and I can call back in 72 hours to see if the refund had been issued. Not only did they give me misinformation and I waited for them to send an update I had to make payment arrangements so they would not ruin my credit with a late payment. My husband and I had to struggle to come up with the money to pay the EXTRA {$700.00} for XXXX and again in XXXX and Nations Direct knew they owes me {$2100.00} and made NO EFFORT to issue my refund. I am thoroughly disgusted to call them today and for them to tell me they had no idea as to why my refund was never issued and they have known about it since XX/XX/XXXX. This company needs to be hld accountable and someone should look into their business practices because it is a helpless feeling when no one is trying to help you and you tack on an extra {$700.00} expense as if it will not impact people. If I didnt pay it my credit would be ruined. I sent complaints to the company and they went unanswered because they do not care. No one has provided me any answers and now I am still waiting on a refund. I have attached the XXXX and XXXX escrow analysis. ALso the confirmation of the HOI being paid and no one ever said that I would still be responsible for the {$700.00} increase for 2 months until I called back on XX/XX/XXXX. This speaks to the inconsistencies I get when I called for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
There was damage to my home on XX/XX/XXXX and an insurance claim was made. The insurance company issued to checks for the damage, one for {$6800.00} and the other {$1600.00}. On XX/XX/XXXX Freedom mortgage sends them back to me with a letter stating " checks were not endorsed '' I call Freedom mortgage on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' she says the balance is {$0.00} so tell the insurance company to take Freedom mortgage off the check and reissue it just to me because they were written to me and Freedom mortgage together. 

I call the insurance company and they said since Freedom was lien holder at the time of loss they will have to sign the check and it can't be reissued just to me. 

I call Freedom mortgage back on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' and tells me to send in proof it was paid off even though it was Freedom mortgage. 

I call back on XX/XX/XXXX at XXXX XXXX and speak to " XXXX '' who escalated it to a manager and she said the manager said to send the check in endorsed and they will sign it and send it back and told met to send it to : XXXX XXXX XXXX, XXXX SC XXXX. 

I sent them in by XXXX  and followed up they promised they would send the check back if I signed it. 

I follow up on XX/XX/XXXX and spoke to " XXXX '' at XXXX XXXX and she says the checks were received and will be signed within 24 to 48 hours. 

I follow up on XX/XX/XXXX and spoke to " XXXX XXXX '' supervisor. ( ext XXXX ) she claims they are not sending the checks back but are keeping it because I completed a " Deed in lieu '' and the loan was paid off after the date of the check until that day on XX/XX/XXXX. 

This was a ploy by Freedom mortgage to trick me into endorsing the checks and sending them to them. They misrepresented and XXXX by telling me " if i sign the check and send it to them they will endorse it and send it back '' I am a 100 % XXXX XXXX XXXX veteran and this is a VA Loan.

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 2020-02-18
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19 I went into my online banking system to pay my Barclay 's credit card bill. My card ends in XXXX. I inadvertently picked my husband 's credit card number in the bill pay system. He also had a Barclay 's credit card ending in XXXX, but defaulted on it and the debt was sold to another company. When I realized in XXXX what had happened, I called Barclay 's customer service number. They told me that they did not receive the payment and that I would have to talk to the new company that took my husband 's credit card debt, but that the payment must have been made to them. I have called the new company, XXXX XXXX, and they have no payments to his account. I have called XXXX XXXX multiple times and while they will not provide me with the information, they have told me that the payment was cashed by Barclay 's and not anyone else. They have told me that they can fax the proof of payment to Barclays. However, every time I call the customer service line, they insist they have no payment from me. If I ask for a supervisor, they transfer me to XXXX XXXX. At one point I had a representative who opened a case for me - XXXX - but then I got a letter saying they could not complete my request. I have called multiple times to try to get this resolved, but no one will help me. They just deny they received the payment, however a payment for the amount of {$XXXX} was sent from my XXXX XXXX  on-line pay system to Barclay 's on XX/XX/19 and it was cashed by Barclay 's. That is a lot of money for me to just be out. I understand that I made a mistake and picked the wrong account number, but the Barclay 's has the money in their possession and is should be credited to 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 2023-09-06
Company: EQUIFAX, INC.
State: TX
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:
I had my ID, social security card, passport and purse stolen out of my car while in the process of moving. I explained this matter to " XXXX '' and let them know I do not how this collection appeared on my account. I told them i did not open this account and their response was that they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XXXX XX/XX/XXXX, my truck was PARKED, unattended in a XXXX space at XXXX. I was paged by Security to return to my vehicle. An XXXX  woman had backed into the right-rear corner of my truck. She called Police and waited. We exchanged information, including HER insurance. The XXXX Police Officer wrote a report. Don't know if she was given any citation. In XXXX, I was trying to change my insurance to another company because of random rate increases. The new policy I wanted, the company found information that XXXX XXXX had reported an " At Fault '' accident. I contacted my insurance company and they provided me with a memo stating that there had been ZERO % Negligence, NOT at Fault. XXXX is STILL putting that information out, more than 2 years later. Apparently Insurance Agencies can't correct their MISTAKES. At this point I will try one more " Complaint '' and then if XXXX does not correct their MISTAKE, I will file a lawsuit. I am an XXXX year old, XXXX XXXX XXXX XXXX  and I have neither the money or the intent to continue with the XXXX mistake. My auto insurance cost me HUNDREDS $ $ more because of them. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have sent several letters to have the fraud alert on my credit report removed but every time I look at my credit report i still have a fraud alert on there and its making application for new credit difficult.

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 2023-03-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.

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 2020-02-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account was closed in 2014 with a {$0.00} ballance. I recently noticed it is reporting a ballance of {$170.00}. I have called the company many times and no one can tell me where the balance is from. 

I have written complaints, been transferred countless times, desputed through credit bureau and XXXX has removed it but XXXX and XXXX has not. 

No one calls me back and no one has answers on this made up ballance.

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 2023-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have held a store card through Best Buy which is administered by Citibank since 2019. I specifically applied for the store use only card at that time and have never asked for anything different. I tried to use my card today and was surprised to find that the existing account was closed and a new open-loop ( usable anywhere that takes Visa ) card was opened without my request, authorization, or consent. I called Best Buy to ask about it and they referred me to Citi. I spoke with Citi and they said it was simply a " migration '' to a new card, but I never asked for this. They said they sent me a letter in XXXX informing me of the change but that I needed to opt-out from this happening. I don't recall seeing this letter, but I shouldn't have to opt out of a new account being opened without my request. I never opted-in to this happening, so why did it happen? They said it was because I was a " good customer and they wanted to upgrade my account '', but I don't want a different account. I don't want a card from them to use anywhere other than Best Buy, that's why I signed up for the Best Buy specific card. I spoke with multiple individuals today at Citi and they all stated the old account is closed and can not be re-opened but suggested I could simply reapply for the card I already had. I have now closed all my accounts with them and will not reopen anything with them or Best Buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi, I have an account with chime that has been closed. I owe a balance of about {$47.00} and they give me no way to pay this amount. They assure me that this debt does not have to be paid and will not affect me in anyway. I dont believe this is accurate and makes no sense that a debt you owe a company wont affect you in say, going on your credit report or being in XXXX system where other banks can see it. They refuse to give it to me in writing stating that I dont have to pay them. This whole situation doesnt make any sense. I just want to pay what I owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian refuses to remove an incorrect address from my consumer report. 
The address is XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is not my address nor has it ever been my address. I have no affiliation with it and don't know why it's appearing on my consumer report. I have reached out to Experian regarding this matter and they have yet to resolve it.

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 2021-10-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I recieved a phone call from XXXX XXXX XXXX  XXXX  a law firm that represent GE MONEY BANK for JCPENNY about a credit card I had in XXXX. GE MONEY BANK FOR JC PENNEY. The rep with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ext XXXX ( my file number XXXX ) advised XXXX is owed and XXXX XXXX XXXX XXXX  was hired to collect or sue the amount the plan to collect is {$3800.00} due to a tolling agreement attached to the card I advised her the card was stolen with Jcpenney I reported this in XXXX to Jcpenney. I asked her if I owed this debt how come it has not appeared on my credit report on it was not sent to me by mail. The rep advised it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX. I advised the rep that address is not the correct address for me nor was it for me at the ( I did not live an apartment I owned a house ) I sold this home in XXXX. Each time I moved I updated my address the USPS and the credit bureaus have a list of all my known addresses. This company called several of my relatives for instance my nephew XXXX XXXX they called him and told him they were filing a civil Lawsuit on the same day they called me. Like my nephew and told them they were looking for me to sue me. This has been embarassing and unprofessional I have NEVER experienced anything like this. Also, when I asked can they see where I reported the card stolen. She said they can do an internal investigation but if it comes back that they could find not any evidence I called I will be sued for trying to commit fraud to be relieved of debt. This is outrageous. Lastly, if they could not speak with my representative about my debt then why did they speak with my daughter and my nephew about it when they called. This is a stall tatic by this company to sue me for this debt which is why it took 30 days for them to respond to the cfpb with that.

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 2023-08-11
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Early warning LLC. They are housing illegal information! I did not give my consent to be reporting anything off my consumer information! You are creating hardship on my live illegally! I never signed any documents to have my information to be released and transmitted! Remove my information from your data files or Ill be for to take legal actions against you! They are not following the Fair Credit Reporting Act! They did not reply back to my disputes! Can you provide some proof that I gave any consent for sharing my personal information and banking information?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Filed disputes 2 years ago something happened to that they deleted my residence off the account to much activity my life is in danger

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 2021-12-27
Company: Experian Information Solutions 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 myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
An agent XXXX XXXX XXXX XXXX XXXX at edfinancial has harassed me by saying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while on the clock. 

As someone that has considered taking some classes and using student loans, this discourages me from furthering my education. 

It is not the job of someone who handles federal student loans to attack someone. This attack seems to be politically motivated on their behalf. As a protected class this is very discouraging and potentially discrimination against me.

Company response to consumer: Closed with explanation