BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-18
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

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 2020-06-30
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello : I have applied for a Citi XXXX XXXX card online, after being lured in with an offer to receive 50,000-miles bonus, in XX/XX/2019. I was approved, however the miles bonus couldn't take place since I already had a rewards card with Citi in the past and 24 months have not passed since that card was closed. As a result, I have declined the card. 

I have never received a card in the mail nor did I activate it or use it. 

Today, XX/XX/XXXX, I have received a statement listing a fee of {$99.00}. I have attempted to contact Citi by phone or online right away, to no avail. I proceeded with closing the card using their automated service since I couldn't speak with a live body. The online chat service was unavailable. I couldn't even login to the account since I don't know the card number. Again, I never got the card, activated or used it. 

I have XXXX credit score and will be devastated if this company will ruin it with unethical practices. 
Please take action. 

Thank you. 
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 2020-06-30
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I am looking/hoping to get a grant for disaster relief. It is for XXXX XXXX. My XXXX name at PNC bank is XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX. It is with XXXX XXXX Grant program of Pennsylvania. The company it is going through is XXXX XXXX XXXX. I need to link up PNC in order to get the funding but am unable to. Is there anything I can do asap to help with this? I have a XXXX XXXX  and was out of business for three months. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have noticed few months ago that there is a collection on my name XXXX XXXX XXXX, and XXXX XXXX. I contact with property manager XXXX XXXX and told her why its on my name since i never lived there. And i told her you removed or i will take you in a court she said no she want to solve issue and she offer me settlement of account. And even tbough i never live there i agree to settle this account and we have agreement and we settled that matter in her office. And she told me that she wrote a letter and email to credit bureau that they can remove. But experian updated that i owe XXXX to XXXX XXXX XXXX XXXX XXXX. I contact her again and she email me back and she said she emailed again.

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 2020-05-11
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ive been with Homepoint financial Since XXXX, and they have increased my mortgage yearly! 

Their reasoning is that they want a bigger buff in the escrow! 

Ive not been give any consideration about these yearly changes, Ive owned my property since XXXX and has never missed/late payment! 

This is the first company that increasing my mortgage yearly when the other two previous ones didnt. 

At these financial times I cant afford to pay these increases yearly! I would like to have my mortgage assigned to another company that CARES for their clients and has compassion during rough time. 

I really hope someone can take time to help me! 

What would happen if I dont pay the increase they are asking for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get a copy of my Equifax credit report for the last couple of months. I used to be able to log into my account with them but can no longer do so. 

Today - XX/XX/2020 - I tried again. I downloaded their XXXX and XXXX smartphone app and tried logging in. I received an error message saying that I wasn't able to get to their servers, so I called their Cust Svc # and spoke to a person there. 

She asked me if I had already set up a XXXX and XXXX  account and I told her that I thought I had but would go through that setup process again to ensure I did. This was after I hung up with her. 

When I tried setting up the acct, the system said that the email was already in use and to sign in instead of setting up. I tried that, but got another error msg that said to call cust Svc, which I did again. 

This 2nd time I was able to speak to someone who after validating me, sent me a link to reset my password which I used and changed my password. I received an email verifying that my password had been changed, so I tried to log in using that new password. I received another error msg saying to call Cust Service again. 

The 3rd time I called, I was asked to validate my identity which I did, however they asked me for info regarding a bank loan, date of and amount of the loan. I told the man that I do not have an outstanding bank loan but only two credit cards that I am paying on that are open. He wouldn't validate me. He then said that I needed to send them some documentation that will take 7-10 business days to resolve. 

I told him that I am trying to refi my mortgage with a lender and don't have the time to wait to get into my credit file which is frozen to prevent identity theft. 

That didn't matter. 

I believe that the verification process needs to be reviewed and consideration given to use other account identity validation methods to prevent someone like me from being prevented from getting my own information that Equifax is holding. 

I would like help to resolve this, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, INC.
State: OH
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 have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2015 I attended at XXXX XXXX college. I have two loans one through Sallie Mae ( wish they pushed me to go through ) and one through Navient. A few years ago I enrolled in auto pay through Navient. I called a customer representive and asked how much my balance was, I was told XXXX which is what I took my loan out for. What was really upsetting I was so so shocked I couldnt even talk, I was brought to tears, was the fact that I have been paying {$40.00} every month faithfully ( getting taken out of my bank account ) and I have not done anything to my total amount paid. I am so disappointed, I work full time and paying my Sallie mae loan every month is more expensive then a car payment. I really need to speak to someone that actually knows what they are talking about. I made the decision to go to college, and the representatives they have working for them do not take that under consideration, they want to take advantage of young people and not properly explain that I would be paying back XXXX for the rest of my life. Never have received a paper statement where I was for the month, like I do with Sallie Mae. I really need someone educatied and willing to help because I have a large debt and I need someone that is understanding and not looking to take advantage of me. I work very hard for the money I do have and hearing what I owe is the same I took the loan out for just seems very skeptical. Ive heard of Navient doing shady things, but I have never experienced it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
I have check my XXXX and XXXX  credit reports and two accounts (XXXX XXXX and Barclays Bank) that I have paid off on XX/XX/2019 still showing a balance.

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 2023-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I received a credit report email from my bank account, so I found out that on XX/XX/XXXX I had a new credit card account open in Bank of America, which I never did. So I reported it. Now I will call them too.

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 2018-08-21
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: Reporting company used your report improperly

Complaint:
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with XXXX XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX  informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission XXXX run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Brown and Joseph, Ltd
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX I called and left a vm no response on two occasions XXXX I emailed them no response two occasionsXXXX the company is called XXXX and XXXX number is XXXX address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: PulteGroup, Inc.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pulte Homes offered a home credit of {$10000.00} for the purchase of a new home as long as you chose them as a mortgage company. The were offering a rate of 5.3 % ( before running credit ) and told us that we could shop around for a lower rate. They would honor the lower rate and we would still get the home credit. We found another bank that offered 4.375 with 8th credit and send the loan estimate to Pulte Mortgage. The put together 2 loan estimates. 1 with an interest rate of 4.25 and another with an interest rate of 4.5. Both contained the promised XXXX home credit, but they also had us purchasing the interest rates down. The home credit is almost washed away why the point purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been locked out of my Experian reporting. I have a paid membership and answer all my sign in questions. After entering my login info, I'm subsequently redirected to a page with a contact number and PO box . I called their customer service line countless times and it hangs up on me after every prompt. I've used each phone option that is offered. I have a paid membership and have been locked out of my account, and can't access information. I wanted to receive a copy of my reporr and am unable to do so. Furthermore I wanted to freeze my account due to suspicious activity and I can't do so without access to my account and their phone number is not helping. They want me to send info to a PO box but this is a security issue and have been given no info on how the information will be processed. Credit reporting is a necessary financial tool and I'm upset at the amount of disorganization and hurdles must be gone through just to access this necessary tool.

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 2021-06-25
Company: Bread Financial Holdings, Inc.
State: GA
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:
XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was commenity and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX I received a letter from BofA asking for additional information to dispute a charge with XXXX, as well as documentation from XXXX. The letter stated that if this information is not received by XX/XX/XXXX, BofA will close the case. 
BofA failed to give me reasonable time to respond, and refused to review my case. 

BofA received a response from XXXX stating that customer picked the merchandise & also acknowledge the sale by signing on the POD. and the Merchandise is in Customer possession Customer need to return or exchange the Merchandise in order to get resolve the issue. We can not accept this charge-back until Merchandise was in Customers possession. 
This statement by XXXX is FALSE, however BofA did not address this even after I pointed it out. As supporting documentation to BofA CC services XXXX sent a document title PODSheet ( see attached ). It states that Orig. Deliver as XXXX to an address in Texas to a Company : XXXX XXXX , delivered a YEAR BEFORE ( XXXX ) I purchase the items. This is obvious NOT me. 

BofA has ignored FALSE information provided by XXXX, and instead provide virtually no time for me to respond. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: CAINE & WEINER COMPANY, 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: Problem with personal statement of dispute

Complaint:
This is being sent in response to notices sent to me from " Caine & Weiner '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home inXX/XX/2017 using a reverse mortgage. I took $ XXXX of my own cash money to put aside for the taxes and insurance to ensure that these items would be paid in my older years. I since had to sell that property because I need my children to help me and they live in and close to XXXX XXXX. This money came from the sale of the house my husband and I shared for 45 years. I called AAG regarding the refund of this money that I set aside to pay taxes and was told since I sold the house, the money disappears. 

I tried explaining that this is not a typical set aside. This money was not a part of any loan proceeds. This is my money that they were holding for taxes and insurance. Once the house is sold, I am supposed to be entitled to that money back. The manager refuses to return my calls, and the representatives keep telling me that the money I put in disappears. 

They are scamming old people to steal their money.

Company response to consumer: Closed with explanation