BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from Huntington National Bank that I was approved for a COVID-related forbearance for the months XXXX, XXXX & XXXX. I was then to continue payments on XXXX in which i did. 
Though when I received my statement, I noticed that the months that I was approved for the forbearance where shown to be delinquent. I contacted Huntington National Bank and was informed that this would be taken care of on the next statement. 
Several months had past with the same results showing these months to be delinquent. 
I then contacted CFPB with a detailed complaint and within 2 days was contacted by Huntington National Bank, letting me know that there would be forms sent out for me to sign. These forms would allow the months of forbearance to be rolled to the end of my mortgage. I received those forms on XXXX and mailed them back on XXXX. 
With this complaint I'm letting you know that this issue is still unresolved as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report. I found my account reporting a 30 day late payment in XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didn't get 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Marketing or disclosure issues

Complaint:
Re : Scam email, Exposed NAVIENT Personal Account Information. 
NAVIENT is not protecting my personal account information. I received an email from : XXXX, requesting I call to complete an application for loan forgiveness. 
The contact phone number given is XXXX. 
The email instructed me the call to speak with XXXX XXXX. 
I did not apply for loan forgiveness, ever. 
I have not contacted the sender of the email, nor have I called the phone contact number listed in the email. 
By not securing and protecting my personal account information NAVIENT and, or the private lender, or private university has exposed me to probable future attacks from those seeking to perpetrate criminal acts on the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXXXXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$380.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$160.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXXl work done by a local dentist by XXXX XXXX  XXXX in XXXX California. The XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX phone XXXX. He prepared a XXXX for my XXXX XXXX. At the time It wasn't prepared correctly and I got an XXXX and the XXXX did not fit properly. He said it could be fixed. But never made an attempt to do so. The total charge was {$2600.00} and was financed by Care Credit/Synchrony Bank. This was XX/XX/2017. I continued to have trouble with the XXXX that didn't fit properly or look like the rest of my XXXX. I became ill and my husband made payments. The balance owed is {$1200.00}. A Couple of months ago the XXXX  fell out. I went back to the same dentist. He ground down the one XXXX  in the 3 XXXX XXXX   leaving a hole in the back and food gets stuck in that area and I have had various infections. I received a notification from Care Credit that they were going to charge {$960.00} for deferred interest on top of the balance 26.99 %. I called them and told them about the terrible work this dentist did and they said they would open up an investigation & would not charge the interest until the investigation was over. However I just received a bill with the amount due and interest. They asked me what I was disputing and I said the whole amount as this has been going on with no resolution. This is the complete information from the credit Co. Synchrony Bank XXXX XXXX XXXX XXXX , Fla XXXX Account # XXXX XXXX XXXX XXXX phone 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 monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT. # XXXX XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) 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.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, 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 non-monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY 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 2023-10-13
Company: CITIBANK, N.A.
State: CA
Product: Credit 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:
I made a hotel reservation in XXXX XXXX, CA through XXXX on XXXX using my Citi Costco credit card on XX/XX/2023 ( see the confirmation email PDF ). When I arrived at the hotel around XXXX on XX/XX/2023, the front desk told me they had not received the order from XXXX because XXXX was not an authorized partner of the hotel, and therefore could not offer me the reserved room. She also told me that several customers who had reserved through XXXX had the same problems in the last few days. Without any hope of resolving the issue on site, I had no other choice but to give up the reservation. 

I filed a dispute with Citi for a charge back of the reservation ( case number XXXX ). On XX/XX/2023, Citi notified me that the dispute has been denied but XXXX claimed that ( 1 ) I did not contact them on XX/XX/2023 to resolve the issue first per their Agreement and ( 2 ) I signed for receiving the reservation. The temporary credit applied by Citi will be reversed shortly. 

The claim by XXXX  is completely false because I called the customer service number of XXXX  immediately around XXXX on XX/XX/2023 to resolve this issue. ( see screenshot of my call history on XX/XX/2023 ). But no one answered the phone. Furthermore, XXXX failed to show the signed receipt from the hotel on XX/XX/2023. The signature it showed was for the online reservation on XX/XX/2023. 

This complaint against XXXX  is filed concurrently with Federal Trade Commission for business fraud.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas Rent Relief. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the Credit Reporting Agencies are furnishing this unauthorized fraud.

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the Credit Reporting Agencies and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.

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 2022-10-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XX/XX/2022, Citi Bank froze all my accounts. This was first reported under Case # XXXX. In response to my CFPB complaint, Citi sent a letter ( Reference # XXXX ) dated XX/XX/2022 acknowledging that these funds were frozen and that the case was under review. As of today 's date ( XX/XX/2022 ) these funds are still frozen, creating great hardship for me. 

I have subsequently learned that specific funds are exempt from any and all bank actions to freeze funds. Specifically, exempted funds are Social Security deposits, Federal and State tax refunds, and all funds from private retirement accounts. 

Even a casual glance at my several accounts -- checking and saving -- shows that all of the funds come from monthly Social Security payments for me and my minor children, and from my private retirement account. Consequently, Citi has been and continues to be in violation of existing laws protecting such funds. 

All attempts to resolve this matter have been rejected with arrogance and disdain from Citi Bank, even though I was a customer for more than 25 years.

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 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX sent letter to XXXX XXXX sent letter to Experian XXXX, XXXX, and Experian are all showing a Hard Inquiry from a Company XXXX XXXX for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my Consumer rights under the FCRA to XXXX, and Experian. I Have called XXXX, XXXX, and Experian multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the Consumer Reporting Agency who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my Consumer rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.

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 2022-10-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; CB XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Complaint : billing and payment regarding property at XXXX XXXX XXXX loan number ending XXXX. 

On XXXX I received an answer to my complaint where it was noted by XXXX XXXX that an amount of {$3500.00} was due.I attempted to make payment for XXXX and XXXX regarding this loan however the website wont allow payment. Ive reached out to my XXXX  for over two weeks before a response was made. In addition the portal to make payments, stated there is a payment stop on my account. 

XXXX, and XXXX payments were made to XXXX  per our modification agreement ( see attachment ) I had no problems until Shellpoint took over in XXXX I am more than willing to proceed with the payment for XXXX and XXXX total XXXX and proceed with such going forward, however, Shellpoint sent over new modified documents to my residence assuming I would sign a new agreement but I am not obligated to sign new terms, because under the fair debt collectors practice act I want my agreement with XXXX  servicing to stand. I have no interest in paying other fees and inflated monetary request. Shellpoint assumed a loan that was already with terms and that should be honored. I await a response regarding this matter preferable by email. Im respectfully asking for guidance to pay my monthly debt so I can move forward and you can too. Im only writing this complaint because it appears responding to customers is not a priority but you respond to complaints so here are. 

In addition, please validate that my modification was not completed by XXXX servicing, my documents states it was approved and payments were being accepted since XXXX. 
I am requesting proof that it wasnt completed with the private lien holder. 

Lastly, please see all proof of payment attachments, including response letter from XXXX XXXX acknowledging the modification with XXXX  servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
XXXX XXXX with XXXX XXXX XXXX called and said that he could get us a revolving line of credit for our business for XXXX. XXXX XXXX with XXXX XXXX was on the three way call confirming this. he just needed a surety bond so he was protected. to get the surety bond we had to boost our credit with a 10k loan from XXXX XXXX XXXX. we would pay back XXXX and 2k of fees came out of the 10k. ( total out of pocket was XXXX ) we signed a contract stating that in the event that the buyer ( XXXX XXXX XXXX XXXX XXXX ) backed out of the revolving credit that we would get the money back from the loan of 10k ( loan was from XXXX XXXX funding ). They did the loan and ran. Wont answer me. stole our money. and took more money from our account than what the contract stated, Now our bank is negative, lights are shut off at our house, no money to eat, and Bank of America ( my bank ) just puts us on hold for hours HOURS each day. we stay on the phone with them trying to recover just the part that wasnt ever authorized ( 2 payments of {$590.00} ) they transfer us from dept to dept make us re-submit paperwork ( literally because of an ink blot on the bottom of the page ). We NEVER AUTHORIZED the ACH withdrawals of XXXX on the XXXX and XXXX of XXXX. They have said its expedited. Now they say we have to start all over because of an ink blot on the bottom of the page ( you can barely even see it and its literally no where near any part of the page they need ). We NEED YOUR HELP!!!!! WE HAVE NO MONEY TO EAT!!! OUR LIGHTS JUST GOT SHUT OFF YESTERDAY!!! ITS COLD!!! I have the loan paperwork. The pay of letter all kinds of stuff. Please help us. Im begging you. We are COLD. We have NO money. Bank of America wont give us the money that was STOLEN from us. Please dont just pass this off. Please at least call me, if I dont answer its because the phone is in my car charging because we have no electricity. I will call you back if you leave a number.

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