BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from XXXX. I have not taken any loan from XXXX. As I contacted XXXX the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence XXXX promised that I will not receive any email or letter communication from XXXX going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from XXXX. I contacted XXXX again but it is not getting resolved.

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 2019-01-08
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a continuation of the issue as detailed in complaint # XXXX.

After requesting a debt verification in a physical letter on XX/XX/XXXX, I received a phone call from someone claiming to be a representative of IQ Data International also operating as XXXX saying that they were aware of my request to verify the debt, and that they had attempted to collect a debt after the dispute was received, and they knew it to be already paid before any attempt to collect.

The representative promised to send a written response to my debt verification indicating that they had acted improperly and in error, and that the case had been closed.

To date I have not received a verification of the debt or the written response that was promised despite the deadline having passed.

IQ Data/XXXX is now refusing to respond to my communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was buying a home in XXXX, XXXX, with cash. On closing, I was in touch by email with my Title Insurance Company in XXXX XXXX, XXXX ( XXXX XXXX ) and my realtor in XXXX ( XXXX XXXX ) about wiring the money to the Title Insurance Company. I was not happy about wiring the money and asked if I could give a check when I met up in person with the both of them in XXXX XXXX but XXXX XXXX would not accept a check. I had problems wiring the money from my Citibank account in XXXX XXXX to XXXX XXXX and it took about a week to iron out problems with Citi as to how I could send it. To complicate matters I was in the XXXX looking after my frail XXXX year old father when the money was due and had to speak daily on the phone to Citibank Wire Services in the USA. Closing date was XX/XX/XXXX. On XX/XX/XXXX, a scammer, using the name and email of my Title insurer - XXXX XXXX -  intercepted our emails and instructed me to send {$220000.00} by wire to XXXX XXXX account in XXXX XXXX in XXXX XXXX. I questioned the bank details with XXXX XXXX as the account was not in XXXX but was assured that the HQ of XXXX XXXX was in XXXX. I knew this to be true and finally went ahead and wired the money on XX/XX/XXXX. Within 2 days I had realised that I was not emailing with the real XXXX XXXX and reported the theft to Citibank. Two amounts were returned to my bank account in XXXX XXXX - {$34000.00} and {$22000.00}. The amounts were wired to me from Citibank in XXXX. Since then I have been in contact with XXXX XXXX of Citibank as well as reporting the fraud to the FBI, XXXX, OCC, FHFA OIG, the Department of Justice, Federal Trade Commission, the Attorney General of XXXX XXXX, and the Attorney General of XXXX, but I have as yet received no further information about where my missing {$160000.00} has gone.

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 2020-06-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX is refusing to allow my FHA mortgage that is in forbearance not to have the FHA partial claim for the months of Covid-19 hardship I spoke with FHA and this is a benefit of this mortgage type. Additionally, under the Cares Act the mortgage companys were not to report negatively and XXXX XXXX has destroyed my credit with negative reporting every month during the national pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
US Bank changed the Rewards program rules and benefits on their FlexPerks card for XX/XX/2018. The website shows a value of {$.00} per point for travel purchase. In addition to the travel site for purchasing air tickets they offer and instant rewards program. I called several times on XX/XX/XXXX to discuss the various benefits because I couldn't find it online. It was my understanding that the mobile instant rewards program worked the same way for travel. 

Since I didn't receive the point exchange text as I expected for an air ticket I purchased I called again on XX/XX/18 to get the problem corrected. After a considerable time discussing and waiting on hold I was told the instant rewards mobile program was valued at {$.00} for travel as well as everything else. I maintained that the website rules did not state any of that. I was told by the representative that they would find where the site states those rules. Again after a considerable wait I was told that the site doesn't state that but I would just have to take their word for it. 

As far as I am concerned it is false advertising. Although it may not be intentional it is definitely not what I understood. I am out the {$530.00} but still have the points.

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 2017-11-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
To whom can help, I submitted a dispute on XX/XX/2021 to XXXX XXXX, and Transunion of items that were alleged to belong to me that are being reported on my credit report. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach are. I would like this information removed immediately or I will seek litigation.

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 2018-11-16
Company: BARCLAYS BANK DELAWARE
State: ID
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: Card was charged for something you did not purchase with the card

Complaint:
I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.

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 2018-06-21
Company: DISCOVER BANK
State: CA
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:
Discover Card has not changed my due date and keeps charging me late fees. There was a fraud on the card so we cancelled that card and have not received the other one. They refuse to change the date as they state we are late of which we are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was approached by telephone by a phone call last XXXX to help me get a credit card at 0 percent interest until XXXX XXXX of 2018 for {$25000.00}. I could even name the company card I wanted from some choices. They said they would intervene for me to get the card for a percentage up front which would be charged on the card and that I could never get the card on my own. They said they were a card member services group that helped consumers get better credit card deals ; They charged a fee over {$1000.00} to help getting the legitimate card from Chase. Terms = {$25000.00} limit at 0 % interest until XX/XX/XXXX then. 16.3 %. 

I agreed like an XXXX and did get the card which is a valid card and with the stated agreement with Chase Card Services listed above, even though getting the card did not seem like it was shady. 

Everything was normal about using the card until on XX/XX/XXXX. I received a call from someone claiming to be from Chase ( that's what came up on the caller ID ). 
He knew the balance charged on my Chase XXXX card as Well as a XXXX XXXXXXXX Card I have as well -- and as well the latest payment made on the Chase card. 

He never asked for account numbers or any banking numbers. 

Can this information be obtained though the Credit Bureaus? 

He claimed that under this program that Chase would write off the whole amount if I paid a percentage of the outstanding amount on the card- which he said would be {$2900.00}. This is not what I remembered the arrangement to be, but I thought maybe I misunderstood the actual arrangement. He had answers to all my questions, of course. He told me to get a cash advance on my XXXX XXXXXXXX Card for this amount and to make a deposit to a XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I did so that afternoon. 

He said his name was XXXX XXXX at XXXX, He said he was calling from Florida - XXXX, I think, but am not sure. 

I feel so stupid for going along with this whole scam from the beginning. 

I have no written documentation other that I can prove I withdrew {$2900.00} cash on XX/XX/XXXX as a cash advance on my XXXX XXXXXXXX Card. I can not seem to find my documentation from XXXX XXXX XXXXXXXX for the transfer of funds but am still looking. 

Do I have any recourse? 

I am assuming not since it was a cash transaction. 

Please help. I am literally sick to my stomach about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: AR
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:
Tried reaching out to equifax multiple times regarding multiple inquiries being reported in my credit report without my permission or consent.I was unable to get this resolved after multiple attempts to dispute. The inquiries in dispute are as follows : 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 2018-11-16
Company: Experian Information Solutions Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have credit monitoring with XXXX which was taken over by experian. I wanted to cancel my membership, logged into my account, found the phone number they said to call and called. After requesting a full social security number, which I find suspect, they run you through a number of prompts before saying you don't have an account. There is absolutely no option to talk to a live person and it is impossible to cancel. Thousands of other people have had this exact problem with experian. I have called 4 different numbers for experian and every one of them makes it impossible to actually cancel a reoccuring payment for this service.

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 2018-02-22
Company: EQUIFAX, INC.
State: IL
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:
I ordered a copy of my credit report from Equifax and noticed there were/are items still listed on my report that's over 10 years. I called and asked Equifax to remove those items and instead of them treating this as an inquiry, they treated it as a " Dispute '', which to them means that an investigation took place, they verified the information in the report was/is accurate and instead of them removing the item, they said that because I " Disputed '' the item, it will last on my report for another ten years. I was flabbergasted in that the items were never disputed, only brought to the attention of the credit agency as needing to be removed because they were listed on my report for longer than ten years. Equifax is misinterpreting the meaning of an inquiry and is noting the inquiry as a dispute, which according to federal law ( as stated to me ), that all " Disputes '' must remain on the file for 10 years from the date of reported. The " Items as of Date Reported '' is also being misused to mean that the creditor reported something new instead of Equifax verifying the information reported by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: RS Clark and Associates, 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:
RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. 

XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: VA
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:
none of the 3 credit bureaus, are responding to my disputes

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 2018-09-13
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am extremely frustrated. 

We closed on our home in XX/XX/2018. 

We successfully " re-cast '' the loan with loanDepot in mid to late XX/XX/2018. 

But since then, the company has failed to process our XX/XX/XXXX and XX/XX/XXXX payments correctly. The monies are sitting " suspended ''. 

And we have received three letters indicating that we are delinquent. The company has threatened us with late fees and with a negative credit report. 

As the loan history clearly indicates : our payments were made in full and on time. It is absolutely absurd for them to claim that there was any error on our part. 

Since my receipt of the first delinquent notice, I have made more than five phone calls to the Customer Service Department. Each time, I am advised that the company is aware of the problem. They tell me not to worry. All I need to do is call back in 48 hours and they will confirm that the problem is resolved. But it is now one month later. And the problem still has not been resolved. And I continue to receive incorrect delinquent notices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
my bank asked me to agree to terms of an agreement before I could proceed with online banking tasks. the agreement contained some language that sounded way too general and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: BANK OF THE WEST
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Between XXXX and XXXX, without action on our part or notice from them, bank of the west converted our free checking account to a fee based one, and this month started charging us a service fee.

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 2017-11-15
Company: Rosebud Economic Development Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan and never accepted the loan because the interest rate was way too high and I kept receiving emails to accept the loan it was deposited in my account. I called the number provided and couldnt get an answer. I finally decided to send a email and finally got a response but was told I had to pay interest plus the money that was deposited into my account which would have set me back financially now I am stuck with them debiting bi weekly payments from 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