BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: TX
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'm not aware of a XXXX XXXX for a vehicle repossession.

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 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I was in a relationship with a man who obtained my Bank of American credit card information. He attempted to purchase bit coin with my credit card. He then made two transfers to my credit card account. The first transfer paid off my credit card entirely. The second transfer to my credit card account was for approximately {$21000.00}. The man I was in the relationship asked me to transfer this amount of money from my credit card account to my checking account and wire the money to his relatives. Since the money was not mine I did as he asked. 

Bank of America contacted me and advised that they felt that what was going on was a potential scam. Bank of America put a hold on the credit card and advised that nothing would happen with the credit card, that no one would be able to move money from the credit card account at all. 

Two weeks later, the man who transferred a total of {$42000.00} to my credit card account was able to withdraw {$42000.00} from the credit card account. The man had an account with XXXX XXXX. Bank of America allowed this to happen all though they told me that there was a hold on the credit card account. 

Bank of America advised that I am now responsible for the entire amount of the scam. I have none of this money. I did as this man asked and sent the money to his family. I have provided Bank of America with all receipts from the wire transfers. I have provided Bank of American with the name and telephone number of the man I was talking to. I provided Bank of America with a police report for fraud. 

I have asked Bank of America to file a claim for fraud but they refuse and hold me responsible.

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 2019-04-20
Company: Incomm Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX XXXX sent not only one card ending in XXXX, but a SECOND card ending in XXXX I DIDN'T request, thereby mishandling my consumer data. On XX/XX/19 company requested closure of both cards, but demonstrated on past occasions an inability to do so. This is a deliberate attempt to deny access to future cash loaded, charge inactivity fees to XXXX balance as I will NEVER load either card. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Navient Solutions, LLC.
State: MI
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:
Department of Education/ Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Novad Management Consulting LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Service Contractor NOVAD has refused to send me information about my partial claim. Im trying to make installment payment towards my partial claim ; however, NOVAD refuses to get in contact with or provide me with any information to consolidate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SYNCHRONY FINANCIAL
State: TX
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:
I recently opened a new cash rewards credit card account with Synchrony bank. There was a problem when I attempted to make an internet purchase and it triggered a fraud alert with them. The telephone message I received appeared to be fake, so I called customer service. I called from my home phone registered with the account, and correctly answered their security questions. However, when I was transferred to the fraud department, and answered the same security questions, I was informed that since my telephone service is a VOIP service, it was considered " not secure '' and therefore, they would not validate me as the real customer. After much back and forth, they sent me an email with a " code '' that I had to repeat to them. It also seems absurd that if my VOIP service is not secure, what good is giving Synchrony Bank a " code ''. All the code does is validate that I can read my email. If the VOIP account is hackable, then it isn't a viable service for phone conversations. 

They claim that VOIP phones are not secure. Fraud alert inquiries from credit card companies are a common occurrence and I have never run into this type of statement before. 

Anyway, I think their position is absurd. I would appreciate it if you'd also communicate with the FCC as they oversee the internet regulation. If in fact, a VOIP phone service is not secure, why are they allowed to be marketed without proper security? 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 2021-02-01
Company: SYNCHRONY FINANCIAL
State: RI
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:
have numerous fraud over the past years- in XXXX XXXX I have had 4 credit cards and checking accounts opened up in my name. When I downloaded a credit report -synchrony card bank says that I have had a paypal credit with an outstanding balance- I have had frudulent activity with my paypal and XXXX accounts- when i dispute this they say its deemed as that i benifited from the accounts- but i have had no proof that it was infact 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 2019-08-13
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Good day! 

We are trying to escalate this file to Midland Mortgage because until now we don't have the short sale approval yet. We were informed on XX/XX/19 that it is conditionally approved and just need to submit some documents. We submitted the requested documents but the response is not handled in a timely manner. After waiting for several days or a week, they will tell us that another document is needed where they could have inform us the missing documents altogether so it can be submitted completely.

Until this very moment, we still don't have the approval letter. The company and the person in charge of the file has no sense of urgency. We might lose the buyer because he has been waiting for this file since XX/XX/XXXX. We hope that they can fix this asap and provide the approval letter.

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 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, 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:
XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX  report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.

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: TX
Product: Credit reporting, credit repair services, 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:
Inquiries being reported on my credit file that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: OH
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:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # 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 2019-08-13
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DCI ( diversified collections ) add a collection to my credit report in XX/XX/2019 in the amount of {$30.00}. For XXXX XXXX XXXX. 

Ive waited till now to see if they actually send me valid information via the mail as to this debt. An they have not sent me anything stating why I owe this. 

XXXX XXXX XXXX I contacted at & t personally and they have no record or account with them that has a debt balance of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I went to close my account at PNC Bank, XXXX XXXX XXXX, XXXX OH XXXX. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. We were in the bank about 30 minutes to get close the account and make one other transaction. Both the teller and manager kept my license and did not offer to return it. My wife had to physically take it from the managers desk. The unprofessional and party atmosphere of the bank is appalling. The lack of business sense in now knowing how to close an account and return legal documents show this bank is there for themselves and not customers. I sure did make the right move in closing the account. I will never return!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX DIDN'T RENEW MY LEASE WITH XXXX  XXXX APARTMENT AND SINCE I DIDN'T INFORMED THEM WITHIN 30 DAYS THEY SAID THAT I OWED THEM BUT I PAID THE PREVIOUS MONTHS AND NEVER WAS LATE SO HOW DID THEY ADD A WHOLE NEW MONTH TOWARDS ME, NOW THEY HAVE SOLD IT TO PRO'COLLECT COLLECTIONS AND ITS MISSING UP MY CREDIT AND ITS KEEPING ME FROM PURCHASING ANYTHING BECAUSE THIS IS ON MY CREDIT REPORT SO PLEASE HELP ME IF YOU ALL CAN TO GET RESOLVED THIS PROBLEM FOR ME THANKS, 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 2018-03-21
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a XXXX credit card around XX/XX/XXXX the last time I made a payment was XX/XX/XXXX I fell behind a couple payments and they continued to add up until the minimum payment was too high I wasnt able to pay it they sent it to a collections agency and just recently I received a call from the phone number ( XXXX ) XXXX the person on the phone told me everything I already knew they said my payout would be XXXX dollars I told them I didnt have it he then said they can split it up into 3 payments of XXXX dollars I informed him that I dont have it he then informed me that there is no way I dont have it because the last time I made a payment was XX/XX/XXXX I understand that I made a promise to the company that I would pay but I have been going through financial struggles if he would have said can you pay anything today I would have said yes but he didnt even give me a option and we was extremely rude

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After I reached out for the 2nd time in less than 30 days to TD, ( the 1st email was ignored by XXXX XXXX ), I was told in response to the 2nd email, that TD needs an address verification on my property for my loan modification. Then claimed they tried to contact me by phone but my phone records/bills show that they never called or left a message. They also could have emailed or mailed a letter to let me know that an address verification was holding up the process but they never did. I spent an hour plus on the phone with TD on XX/XX/21 and was transferred three times because no one knew what an address verification was. 
I still have no idea if this condition has been cleared or if TD needs anything else to complete the loan modification that has been taking months with seemingly no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2018, I deposited {$14000.00} into a Citi checking account and {$100.00} into a savings account as part of a promotional offer to earn a bonus of {$400.00} for maintaining a combined balance of {$15000.00} for 60 days. I maintained this balance until XX/XX/2018, and exceeded the 60 day requirement. However, on XX/XX/2018, XXXX incorrectly charged me a $ XXXX  monthly maintenance fee for an insufficient balance. This fee was reversed on XX/XX/2018. Citi claims that I did not earn the bonus because this erroneous {$25.00} fee dropped by balance below {$15000.00} before the 60 day requirement.

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 2018-04-29
Company: CARVANT FINANCIAL LLC
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:
Back inXX/XX/XXXX I paid off my auto loan with Carvant Financial. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XX/XX/XXXXand XX/XX/XXXX by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called Carvant Financial and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
XXXX failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by XXXX   as evidenced by their responses saved on the CFPB site. Despite this fact, XXXX  fraudulently claims the complaint is a duplicate.

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 2018-02-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was brought in XX/XX/XXXX and the loan was XXXX.Then it was refinance with XXXX XXXX XXXX XXXX on XX/XX/XXXX.Then the XXXX XXXX XXXX  sold my mortgage to XXXX XXXX XXXX XXXX   XXXX . My refinance amount was XXXX and I am currently paying XXXX for PMI.My outstanding principal balances per XX/XX/XXXX statement is XXXX .According to my initial amortization schedule if my loan amount is under XXXX, PMI can be automatically terminated. I was sending my request for PMI cancellation letter3 times to LOANCARE mortgage company. But they are denying my request stating that I am not under them for 2 years or I have to pay XXXX dollar or XXXX dollar for appraisal.

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 2018-04-29
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )

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