BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Our firm was owed a refund of prepaid taxes in the amount of {$73000.00}. An email account was hacked and as a result, fraudulent instructions were sent to our vendor, XXXX XXXX of XXXX, New Hampshire, to transfer the above funds to an account with PNC Bank , National Association. XXXX authorized their bank, XXXX XXXX, to process an ACH ( Automated Clearing House ) payment to PNC Bank , National Association on XX/XX/2023. Our firm, XXXX XXXX XXXX XXXX XXXX, was unaware of this hacked email account until after a phone call from XXXX indicating that PNC Bank did not have an account with the name of XXXX XXXX. We were informed that the transaction would be reversed and the funds would be returned to XXXX XXXX Bank for the account of XXXX XXXX. This did not happen. XXXX XXXX XXXX, XXXX can provide transcripts of the emails ( real and fraudulent ), along with other supportive data, should this complaint be within the proper government crime division. Our telephone number is ( XXXX ) XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Between XX/XX/XXXX- XX/XX/XXXX, I submitted and modification packet on a second mortgage with all the requirements and whomever was working the case would repeatedly ask for documents already submitted. I was initially trusting the process until I had to renew/reestablish my online account to understand why I wasnt getting movement on the case the situation continued back and forth until XXXX when they finally claimed to not be able to grant a modification. 

Unfortunately, I experienced the worst of mortgage companies during the Great Recession. I believe in many ways we are back to that because properties in XXXX XXXX have sky rocketed. In XXXX, I was just starting to climb out out the after effects of the Great Recession, when between XX/XX/XXXX - XX/XX/XXXX, I had tenant turnover and had to address a lot of deferred maintenance of the previous decade. Then, when I was getting over that - the COVID-19 Pandemic hit. Ive barely been able to keep up with primary, in fact I am behind and currently screening applicants.

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 2023-07-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had XXXX credit cards with Citi. XXXX was a Macys card and the other was a normal Citi card. I used both cards and I made my required payments on time. They were both in good standing. I have been working very hard on rebuilding my credit. 

Out of the blue, in XXXX of last year, Citi cancelled both my cards. They sent me a letter that said I could call them to find out why. When I called, they told me they would send me a letter. Eventually I got a letter saying my cards were cancelled because I have criminal convictions from XXXX. 

I dont understand why my credit cards would be cancelled because of my criminal convictions. Those were XXXX years ago and they had nothing to do with credit cards. Since then I have done so much work to rehabilitate myself. I went through the program at XXXX XXXX. I got job training and got a stable job. Ive worked really hard to rebuild my credit. If Citi is just cancelling credit cards for anyone with criminal convictions, thats not fair, and I think its discriminatory. 

There are rules in my state about when companies can look at your criminal background history. I learned that when a company takes an adverse action against you because of a background report, they have to tell you where they got the information and give you a copy. Citi didnt tell me any of this. 

I sent Citi a letter on XX/XX/XXXX. The letter asked them to send me all of the documents they have about me, including my credit applications, any cardholder agreements that applied to my accounts, and documents about why they closed my accounts including reports about me that they viewed. 

Citi didnt provide me with anything I asked for. Instead they wrote me a letter that said they can close my account for any reason at any time and they dont have to tell me why. 

I think this is unfair and illegal. Im entitled to see whatever background report Citi saw that told them about my criminal convictions. I want to make sure its accurate and dispute if its not. I also dont think Citi should be closing peoples credit cards just because they have criminal convictions. I made mistakes, but those were years ago. Ive been working for XXXX years to get my life back together. Closing my credit cards because of an unrelated mistake I made so far in the past is not right.

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 2022-05-13
Company: Experian Information Solutions 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:
The account numbers are not the same which is inaccurate information. Please have inaccurate accounts deleted from my credit report. 

I'm requesting the following accounts be deleted immediately, because the account numbers and other details are not matching between XXXX and Experian credit bureaus. I sent multiple letters over the course of 1 year requesting the details below. My Last letter was sent off on XX/XX/2022. I was told the credit bureaus to investigate every piece of information, on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number XXXX and XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. According to the FRCA the term investigated consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning such items of information FRCA 15 USC 1681 everything has to be 100 % accurate. In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: FL
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:
TWO ACCOUNTS WAS DELETED FROM MY EXPERIAN REPORT BUT EXPERIAN IS STILL REPORTING IT AS AN COLLECTION ACCOUNT. PLEASE SEE THE STATEMENTS FROM THE SUPPORTING DOCS.

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 2023-09-09
Company: Nelnet, Inc.
State: CA
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:
I put my Student Loans on Forbearance like much of the USA during Covid. Like many, I was under the impression that there was 0 % accrued interest during the pandemic. 

Earlier this spring I received a notification from Nelnet, one of my student loan providers that my account had accrued XXXX of interest since putting it on deferment XX/XX/XXXX. I spent several hours on the phone trying to make sense of how or why and their non-english speaking customer service reps had little support, help or understanding they could offer. They couldn't explain why my account defied the laws that were put into place during the pandemic and explain why my account was charging so much interest while everyone else in the ENTIRE COUNTRY is enjoying 0 % interest. I couldn't change it, have had 2 major surgeries since, and haven't had an opportunity to waste time on it until today. 

Flash forward to today, XX/XX/XXXX. I receive a NEW email stating the the accrued interest in my student loans is XXXX since XXXX of XXXX. I just tried to call again and sat on hold only to get a recording that said they close at XXXX EST. 

How is this even possible when the PRESIDENT of the United State put into place provisions to protect people during the pandemic. 

Nelnet customer service is horrible. They just send this email -- can't get in touch with anyone to discuss or even understand how or why. Furthermore, I had filed a XXXX XXXX XXXX in XXXX b/c of medical bills and multiple surgeries and couldn't discharge this debt then, and now am getting served up even more interest when NO ONE should have had that happening due to the pandemic. 

Please help. This shouldn't be happening to Americans during a time when student loan repayment was put on pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When my lease ended with XXXX XXXX in XXXX of XXXX they sent me a notice saying I owed {$310.00} and had 15 days from receiving the notice to dispute it which i did. They claimed i only returned one house key and charged me {$25.00}. Fortunately i took a picture of BOTH keys initialed by them that it was received by them. I made sure to send them that proof with my dispute. They also wanted to charge me {$120.00} to replace the carpet which they said was dirty. I dispute that as well since they promised me via email that when i renewed my lease in XXXX that i would get a free carpet cleaning. Had they done as promised i would have a clean carpet and they would not be charging me for that. They also want to charge me {$100.00} cleaning fee for " leaving items '' behind. This i dispute as well. They never did a walk through with me even though i requested it when i moved out. They said it was not necessary. So I dispute all this and I hear nothing back and now suddenly XXXX  months later its with a collection agency. I don't know how that is allowed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file 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 2023-11-02
Company: MOHELA
State: OH
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:
On XX/XX/XXXX, I spoke with a rep about fixing deferments on my student loan account. At that time, I was assured that all of my loans would be out of deferment, per my request. One of my loans is still showing in deferment. I have sent messages on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to again to have the deferment removed. I have not heard back from them yet and that loan is still showing deferment. 

Further, from XX/XX/XXXX thru XX/XX/XXXX, all of my loans were in repayment. I had dropped out of my XXXX program in order to consolidate ( can't consolidate loans in deferment ) all of my loans. The loans were successfully consolidated, but Mohela is not showing those as having been in repayment and counting as 10 months of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Self Financial 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:
Received an email from XXXX XXXX indicating new activity on my credit report. I reviewed my XXXX, XXXX and XXXX XXXX and identified a fraudulent {$720.00} loan was established on XX/XX/2023 with Self Financial Inc./Lead Bank , which caused a slight drop in my credit rating. I have filed investigation requests with all three credit bureaus. I've also contacted Self Financial Inc. to request an investigation on their end ; the representative suggested that I also submit a report/complaint with the FTC at XXXX. due to concerns of identity theft and fraud. 

Note : I am told that loans are established with Self Financial Inc. by individuals needing to establish credit. I have over 40 years of ( excellent ) credit history thus have no need for the services of an entity such as Self Financial Inc . 

Please also note that a few years ago, the system of the entity that I worked for was breached and as a retiree, I was notified that my information could potentially have been accessed/compromised along with other current and former employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a doctors bill that went into collections, I've made payments on this account and have been trying to contact them but they have been giving me the run around. Its with Ar Resources Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
FNBO has been in the process of updating software for many months ( 6+ ). Two different web pages and one account can be accessed on line. Information on one page does not get translated to portray accurate info on " new '' software page. Payments are limited and current XXXX scores are not avaible on " new '' software page. Balance tranfers are held up or denied on " new '' software web page. 
Today, XXXX, 2023 I found out balance transfer scheduled on XX/XX/2023 was denied. Payment I had scheduled on XX/XX/2023 was denied. 
FNBO uses the excuse : " credit card is locked ''. However that must be a new rule because there have been many times in last two years when my payments have been processed and card was locked.

I have been doing business with FNBO 15 + years. 
XXXX credit score over 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 2023-07-07
Company: CL Holdings LLC
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:
In accordance with the fair credit reporting act convergent Acct list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: MD
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCE : {$100.00} XXXXXXXX XXXX ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX BALANCE XXXX {$64.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCE XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: VA
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 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir or Madam, I am writing to you today to express my concern about my Citibank account, which was closed on XX/XX/XXXX due to suspected fraud. In the email I received from Citibank, they stated that I would be issued a check for the funds in my account within 60 days. However, it has now been more than 90 days and I have not yet received my money. 

I have visited the Citibank branch at XXXX XXXX XXXX, XXXX, MD three times to inquire about the status of my check, but I have been unable to get any information. The employees at the branch have either been unable to provide me with any information or have told me to wait. 

I am extremely concerned about the fact that my money has been held by Citibank for more than 90 days. I have exhausted all of the mechanisms available to me to obtain my money, and I am now turning to you for help. 

I am a father of XXXX young children, and I desperately need my money to function. 

I am writing to you in the hope that you can help me to resolve this matter. I would be grateful if you could contact Citibank and inquire about the status of my check. I would also be grateful if you could provide me with any information that you may have about why my account was closed and why I have not yet received my money. 

Thank you for your time and attention to this matter. 

Sincerely, 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