BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 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 explanation
Consumer complaint received 2021-08-01
Company: NAVY FEDERAL CREDIT UNION
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need my card to be activated today! I have been extremely inconvenienced! I have been hung up on multiple times by XXXX. I have been put on EXORBITANTLY LONG WAIT TIMES just to be HUNG UP ON by the NAVY FEDERAL REPRESENTATIVES! The supervisor, XXXX, DID NOT listen to me as a valued customer! I was told that my card would be temporarily activated by a specialist named, XXXX. Then I was transferred to XXXX, who put the restriction on my card! XXXX, then said I will have to wait 24-48hours for it to my email to be reviewed!! How am I suppose to eat without having access to my debit card!! I am extremely upset and dissatisfied with Navy Federal Credit Unions customer service!! I will submit the letter! However, I need my card today!! This is ridiculously unforeseen circumstances!! I have been banking with Navy federal for years and this is my first experience be so neglected by this company that is suppose to be for service members and their families!! How can this issue be resolved? I am requesting XXXX, the Supervisor, be put under investigation!! I spoke to XXXX, XXXX, XXXX, and XXXX! Who all neglected me as Navy Federal Customer!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my second complaint. My first complaint has still not been addressed but the complaint was closed. Freedom Mortgage has failed to communicate consistently and correctly involving my covid 19 forbearance. I still have not heard back from their representative that was following up after my first complaint. She said she was going to call me back and never has. Valuable time is being wasted. Today XXXX, I emailed XXXX XXXX that I have not heard back from someone and need someone to call me to help exit forbearance. She emailed back saying she has cancelled my request for a Covid 19 forbearance extension, I did not ask her to do that and do not want that! I need to work with somebody from their team that can consistently work with me and help me find a way to come out of forbearance that does not affect my chances of refinancing in the future and does not cost me more money in the long run had I never gone on forbearance. I do understand my 6 months of missed payments and they interest it would have accrued needs to be paid. I am uncomfortable with making any changes that will have me paying more than that in the long run. I can afford my current monthly payments and have been paying again since XXXX. They have given me a new XXXX XXXX but I can not reach her at her extension, the call just hangs up. I need COVID 19 forbearance protection still until we can come to an agreement on exiting forbearance that meets the qualifications above, which is what I was told before going on forbearance by Freedom Mortgage and the only way I was comfortable going on forbearance.

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 2021-03-17
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXXderal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX {$2100.00}

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 2021-08-01
Company: CITIBANK, N.A.
State: VA
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:
Entered into a forbearance due to financial difficulty with citi bank XXXX XXXX card and its showing late 30 days but according to thr cov19 relief plan it shouldnt show late at all because its not this has not been corrected.

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 2021-03-17
Company: Experian Information Solutions 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:
There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not 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 non-monetary relief
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid 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:
This is in reference to dispute XXXX. On XX/XX/XXXX I purchased XXXX XXXX thermostats from XXXX for a total of {$3900.00}. I immediately sent these back due to damage. On XX/XX/XXXX I received a refund of {$3900.00} for this purchase and the merchant notified me via email they had received the returned products. On XX/XX/XXXX a charge of {$3900.00} posted to my card as home depot reversed the refund that was issued XX/XX/XXXX. The activity on the card showing the initial purchase, refund, and refund reversal is included in this document for reference. Also included in this document are the return receipts for the XXXX XXXX. I can clearly prove the items were returned. However, my account does not currently reflect that I have received credits for the returned items as the credits originally given by the merchant were reversed. I do not have any items from Home Depot and I am owed a refund for the returned items. Please reopen this dispute given this information. 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
Consumer complaint received 2022-02-16
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.

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 2023-06-09
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Apple Card has a fundamental problem with their customer support. Their support lines are horrible. Their right hand doesn't know what their left hand is doing. When an issue is raised with their chat option or their phone option they have no clue whether this is to be handled by Apple Card support or Goldman Sachs support and the customer gets bounced between the two groups. This results in a very long time to resolve an issue that can be addressed in a few minutes. The time to resolution is horrendous. Basically they are staffing their support with incapable, inefficient and incompetent people. This has nothing to do with a specific transaction. This happens with EACH and EVERY issue. This is unacceptable and Apple Card should be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint because of the response that I received from Carrington Mortgage Company saying that they would not address my Error Resolution Notice under 12 C.F. R 1024.35 because it was a duplicate request. The mortgage company is claiming that they already addressed this information from an Information Request letter that I sent XX/XX/XXXX. I do not agree. These are very separate issues. The letter I sent in XXXX was requesting the ledger for our mortgage covering the time period that were in XXXX XXXX bankruptcy and an explanation of why the amounts overdue on the statements were incorrect. I thought that when someone ( s ) is in an active chapter XXXX bankruptcy that the mortgage company had to provide accurate statements. They waiting until the bankruptcy got to the end, then all of a sudden we find out that we owed more money. Why wasn't the statements updated to show the amount they are now claiming was due?. 

Attached are the letters that I sent to the mortgage company and the response I received from my Information Request dated XX/XX/XXXX. Their response regarding the mortgage statements does not make since to me. They had many months to fix the statements, why wait until the bankruptcy is closing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2021-11-04
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a chase XXXX credit card before Chase purchased my mortgage in XXXX. There is no problem with payment of the mortgage as i was able to set up autopay, but i am concerned about making the credit card payment as i can not access. The issue is my accounts will not link online. I have called multiple times to the mortgage servicing team, the credit card team, online IT help and visited a Chase branch. The only solution i was provided was to be removed as an authorized user of the credit card. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: WA
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:
According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
If you refer to my complaint XXXX, I indicated that First Bank Puerto Rico made several failed attempts to pay my hazard insurance from escrow as they are required to do so. Once of their checks to the insurance company was returned because they issued a stop payment because they thought the check was lost and decided to pay by corporate credit card due to the fact that my insurance lapsed. 

To add insult to injury, they are imposing a NSF fee of XXXX for THEIR returned check. Not a check I sent. 

I have attached the letter regarding the NSF fee and escrow transaction history indicating the failed attempts to pay insurance, the credit card payment and THEIR returned check that they sent from my escrow. 

As you also may notice, I have several complaints against First Bank Puerto Rico and also counted 68 complaints, some very similar in nature from other consumers. To that point, I ask what is the role of CFPB because don't see any sanctions or penalties from any of my complaints or the 68 others? 

Does the CFPB really " protect '' the consumer? It appears that the CFPB is allowing First Bank Puerto Rico to abuse many consumers including myself with their sheer incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Binance.US ( BAM Trading Services , Inc. d/b/a Binance.US ) blocked me from depositing money into my Binance.US account, starting around XX/XX/2021 since one of the deposits I made into my Binance.US account was rejected by my source financial institution, and Binance.US in the mean time had made those funds available for me to use. 

Funds that were rejected : {$2000.00} Date of this rejected deposit : XXXX Action taken by Binance : They blocked me from depositing funds to resolve this matter. And they blocked me from performing any kind of transaction ( Trading, buying/selling, depositing more fund or withdrawing existing USD ). 
Action Taken by me : 1. I have submitted my bank statement as well as a selfie video stating " Today is [ Month/Day/Year ], and my name is [ First & Last Name ]. I confirm that I have authorized these transactions. I am contacting Binance.US to resume USD deposits & withdrawals for my Binance.US account [ registered email ]. '' as they recommend in their support email. 
2. I have opened several support tickets on https : //support.binance.us/hc/en-us/requests, but their customer support has not responded to me yet. They even discourage customers from opening more tickets by SCARING the customers, by claiming that support tickets would be deprioritized if we open more tickets ; even though their customer service doesn't reach out to us for months, in some cases. ( My open ticket number is # XXXX ). They mark previously created tickets to SOLVED even though they are not Solved/Resolved. 

Attached : 1. XXXX - shows Deposits I attempted to make that Binance.US stopped from being submitted. 
2. XXXX - shows list of all support tickets I created 3. XXXX - shows Trading failed message

Company response to consumer: Closed with explanation