BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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: JPMORGAN CHASE & CO.
State: WI
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:
It appears that Chase does not stand by its cardholders. Once again we received a XXXX answer from Chase ruling in the favor of the XXXX  in XXXX that scammed us for {$18000.00} and performed no services. We cancelled within less than an hour after we were coerced into giving him our credit cards because he indicated that I might die if his services were not performed. Under great duress we gave him 2 of our Chase cards but soon after cancelled within less than an hour ( see proof on file ) We are in disbelief that Chase chooses to stand by this merchant with no proof of services performed. Where is there compassion for 2 XXXX  people ( my wife and I ) against an unscrupulous doctor that extorted {$18.00} from us. Where is the justice. We hopeChase executives will review this case with some compassion for this situation and put a stop to this from this extortiinist. The final letter we received from Chase states while you have a valid complaint with the merchant the results of our investigation confirm that the transactions are valid This response from Chase is another indication that investigation does not include proof of services rendered. This is so unfair and shows us and others that Chase operates only by the book and does not take into account extending circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In mid-XXXX I filed three disputes with Citibank regarding three transactions totaling approximately XXXX XXXX The day before I was supposed to get a provisional credit attached to my account I was notified that the bank had decided to close my accounts. Since then they have told me next to nothing about what is going on, except to say that my accounts are blocked pending review and telling me that I would be unable to retrieve the funds from my account - that rightfully belong to me - until the dispute process was complete, some 30 to 60 days from then. It has since been well over 45 days and I am still getting stonewalled by Citibank. All I want to be able to do is to go into a branch and pick up my money. One of the disputes I have already been informed has been resolved in my favor while the other two are, I suppose, still pending. I wouldn't know because they refuse to tell me anything about them. I tried going into a branch and the banker there told me he couldnt help me because the accounts are blocked. I keep getting the run around from Citibank and all I want is the money that is rightfully mine.

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 2022-11-11
Company: EQUIFAX, 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:
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 accounts 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/block any accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX FINANCIAL XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00} 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my mortgage was transferred over from XXXX BANK to ROUNDPOINT MORTGAGE as of XX/XX/XXXX, in the interim I've NOT been able to get 100 % clear answers or help in rolling forward application of my loan forbearance status from XXXX BANK to ROUNDPOINT MORTGAGE. 

my initial welcome letter ensured me that all loan documents would be transferred over in a timely manner within the 60 days loan transfer period " grace period '', this has NOT occurred yet related to my mortgage loan forbearance status and ROUNDPOINT MORTGAGE isn't providing me with " single point of contact '' info either to remedy. 

plus ( to assist ROUNDPOINT MORTGAGE ) in expediting my request, I emailed their " service help '' department the attached letters ( back in XXXX XXXX ) from XXXX BANK showing that my mortgage loan # XXXX ( or # XXXX with ROUNDPOINT MORTGAGE ) forbearance was extended to 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 explanation
Consumer complaint received 2021-03-07
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a XXXX year old debt from 2009 I believe ... I didnt even know about it until they start garnishing me 3 years ago out the blue ... .the debt is from a fiancs car I returned the car I was told at the time they sold the car to pay my remaining balance off ... didnt even know I still owed a balance.. never received a bill in the mail nothing for 10 years and than I start getting garnished. I quit my job due to daycare issues. Changed careers and havent been garnished. Until now ... this debt is so old and isnt even on my credit report.. how can they sue me and garnish me ... without even giving me the options of doing a payment plan..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX  XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights. 
Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) # XXXX has violated my rights Account name : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX has violated my rights Account name : XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX  # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: NCB Management Services Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account and requesting validation per the FDCPA since the beginning of the year because the account does is not reporting up to their industry reporting standards. please see my attached documentation. 

This is my tacking from XXXX mail from XXXX XXXX and XXXX XXXX Please help me as this information is reporting incompletely and inaccurately. This company has also failed to validate this account per FDCPA 809. 

Please help me!!! I HAVE REACHED OUT TO THE 3 MAJOR CONSUMER REPORTING AGENCIES AS THEY CONTINUE TO ILLEGALLY REPORT THE ACCOUNT INFORMATION AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 TRANSUNION IS THE ONLY CREDIT COMPANY REPORTING A MEDICAL BILL ON MY CREDIT REPORT XXXX XXXX XXXX. I THINK THIS IS A MIX UP THIS IS NOT MY ACCOUNT AND THISM IS 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 explanation
Consumer complaint received 2023-01-09
Company: Mr. Cooper Group Inc.
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Dear XXXX, Complaint id : XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the XXXX XXXX trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case XXXX more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried to apply for a repayment plan based on my income/ability to pay back my student loan debt. I am currently on a repayment plan option but this past month, I have been transitioning out of my part time jobs and into a new job, however the job I am transitioning to will only pay minimum wage until further notice. My current monthly payment is at {$250.00}, I called today, XX/XX/2019 to discuss my past due amount of {$200.00}, as I could only afford to pay the {$50.00} the past month due to the transition/being out of a job. I was told that the only option was to go into forbearance, but then would lose my repayment option and there was a great chance that when I reapply for the repayment option, it would be higher than the {$250.00} that it is now which I am struggling to afford as it is. I decided to not take the forbearance since it did not make sense, but have communicated that I can only commit to {$200.00} / month. I was told that there was no way they could go under {$220.00} for my monthly payments and to not resubmit a repayment plan form because they will dismiss it since I am already on one until XXXX. They also will not accept an income-based repayment plan for any loan over {$30000.00}, which mine is, so I am at a loss. They said I could pay the {$200.00} a month but after 6 months, the additional $ XXXX/month would send me into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Synovus Bank
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX in over draft fees and a XXXX check deposit came in same day. 
XXXX XXXX charged for each item that came in on overdraft sat down with branch manager and went over account there were XXXX charges on the account that were not made by me asked if it would be credited to the account she said no maybe in 10 days really! 
I told her I had done a complaint on them about the fees and over draft and asked her to reverse them all she said she could only do 1 per year I told her that's not the truth and she said well that's how we pay our bills is with bank fees I said well I help you out but you want help me she said she could not do anything this bank needs to stop XXXX people by the time I pay the fees on Friday I want have money to pay my bills with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Spring Oaks Capital, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They posted a collection on my XXXX account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report.

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 2019-09-23
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
{$5500.00} was hacked out of my XXXX XXXX XXXX account through cashapp on XX/XX/19 at around XXXX. I had {$47.00} dollars on my cashapp account and that was sent to my bank than they withdrew {$3000.00} dollars and then another {$2500.00}. They used these funds to purchase XXXX and then sold the XXXX the very next day. They then sent the funds to a XXXX XXXX XXXX XXXX account. I contacted cashapp multiple times and have yet to receive a response. I filed claims with my bank and they do not believe me. I have but no choice but to submit a claim here. If any additional information is needed please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have XXXX inquiries on my credit that I did not apply for anything with them and would like for them to be removed from my Equifax account the first XXXX is XXXX XXXX XXXX it was reported on my Equifax account on XX/XX/2023 and the second one is XXXX XXXX XXXX also reported on my account on XX/XX/2023 I would like both of these inquiries removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My Complaint is against XXXX XXXX going into my account and taking more that what I authorized them to take. I call them an address them will not give my money back said go to your bank. Very Rude and Unprofessional took my money when I am not working and had other bills coming out of 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 2023-12-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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