BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm registering my complaint against Convergent Outsourcing. This collection agency has reported with XXXX XXXX XXXX that I have a debt with XXXX XXXX in the amt of {$800.00}. This debt had appeared on my credit report about 2-1/2 years ago, and I disputed this debt on the grounds that I did not authorize service at my residence back in 2015. The XXXX XXXX debt was " Deleted '' by the collection agency that had purchased the debt from XXXX at that time. Now a NEW collection agency, has placed the " Deleted '' debt from XXXX on my report once again 2-1/2 years later. I am requesting that Convergent Outsourcing remove the XXXX XXXX debt from my credit report immediately. Convergent Outsourcing is also misrepresenting the debt, as if they purchased the debt from XXXX XXXX. It is very clear that this debt was already sold to another collection agency about 3 years ago. Furthermore, Convergent Outsourcing " NEVER '' sent me a notice of this debt " prior '' to reporting as a collection on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: NY
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:
I am writing to dispute a billing error regarding my Citi AAdvantage card.in the amount of {$430.00} on my account. The amount is inaccurate because all of the {$430.00} are related to fees and renewals of a different account that Citi created without my knowledge. 
Citi 's XXXX App has been showing that my account had a {$0.00} balance since at least XXXX XXXX, and provided no means of making any payments. I was not aware that a new account even existed until last week when I saw an email that said that I was delinquent on this new account. 
After talking with Citi representatives over the past few days, I was able to deduce that the XX/XX/XXXX statement balance was {$1700.00}, which I understand was the balance of the original account when it was closed. Citi representatives allowed me to see statements from both accounts and notified me that the new account has a balance of {$2100.00} as of today ( XX/XX/XXXX ), of which none of the {$430.00} were new purchases that I initiated. 
After talking with Citi representatives and reviewing the statements, I have now paid the XX/XX/XXXX statement balance of {$1700.00}, which I am not disputing. I am requesting that the {$430.00} error be corrected, that any finance and other charges related to the disputed amount be credited as well, that both Citi AAdvantage  accounts be closed with {$0.00} balances, and that I receive accurate statements showing their closure and releasing me from any Citi AAdvantage  account obligations. 
I am sending a certified mail complaint to Citi with the above information which support my position. Please help me investigate this matter and correct the billing error as soon as possible.

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 2020-02-08
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 belongs to someone else

Complaint:
I HAVE REVIEWED A COPY OF MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE.THESES ACCOUNTS HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT. MY CREDIT HAS BEEN DAMAGED DUE TO THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO 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 2017-11-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2017, Chase Bank, without notification or warning, decided to close all of my credit card accounts. I asked why, and they said it was due to past due accounts and for too many inquiries. I never had a past due account, always paid off my balances, and never had a late payment. I applied for credit cards, and was approved for every card I applied for. I never had a single issue with Chase Bank, and so I do n't know why they would decide I 'm a risk and close all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Trying to send money via XXXX to our son who lives in another state. Have done this for years with PNC and now I can not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
By letter dated XX/XX/XXXX, I received notice that my mortgage loan was being sold by XXXX XXXX to Flagstar Bank effective XX/XX/XXXX. I also receive an Annual Escrow Disclosure Statement dated XX/XX/XXXX, which analyzed my escrow account from XX/XX/XXXX through XX/XX/XXXX. That analysis, which indicated it was undertaken by XXXX XXXX, increased my monthly loan payments to {$2300.00}. 

My mortgage loan payments are set to be automatically paid out of a brokerage account. I went online and adjusted future payments to accommodate the increase. 

By letter dated XX/XX/XXXX, I received a late notice from Flagstar Bank stating that they had not received the monthly payment on my note and that the total amount due was {$110.00}. Since my payments were on automatic transfer, I was unclear at to how the payment was missed. 

Upon review of the matter, I discovered that Flagstar bank had performed another Escrow Analysis of my account as of XX/XX/XXXX and increase the payment {$38.00} to {$2400.00} beginning with the XX/XX/XXXX payment. When they received the {$2300.00} payment on XX/XX/XXXX, it was placed in a suspense account and not applied to the loan. While they then had nine days to advise that the account was light {$38.00} ; Flagstar opted to wait until after the grace period ( XX/XX/XXXX ) to advise that they had not received the full payment due. A late notice dated XX/XX/XXXX advised of the shortfall and noted that a {$72.00} late charge was assessed on the account. 

My complaint against Flagstar is threefold. 

1. Annual Escrow Account Reviews should not occur more than annually. The payment was adjusted coinciding with the transfer of service to Flagstar on XX/XX/XXXX and should not have be adjusted again in XXXX. 
2. Once the payment was received, I should have been notified of any deficiency immediately so that the shortfall could have been paid prior to triggering a late payment fee. 
3. A {$72.00} late fee on a {$38.00} shortage is punitive as it amounts to nearly twice the amount the payment was short, which equates to a 2253 % annual interest charge, which is usurious.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
When I found fraudulent charges on my SunTrust account, I reviewed the listed charges and found fraudulent charges for multiple XXXX Trips. 
In the attachment titled " XXXX at XXXX XXXX, '' I have a screenshot of my most recent bank account transactions from XXXX. I searched XXXX in my transactions and took a screenshot of the most recent ones. I can confirm the transactions from XXXX XXXX for XXXX ( XXXX transactions total ) are all fraudulent. This page also contains an XXXX transaction from XX/XX/XXXX, but this is not fraudulent. 
The second attachment is called " XXXX at XXXX XXXX  '' and it is a screenshot of my own XXXX account. It presents a list of all of my trips with XXXX. Comparing the two documents there are obvious discrepancies. After logging into my XXXX account and reviewing my XXXX Trip History, I noticed the only transaction from my bank account on my XXXX Trips History was on XX/XX/2021. I want to make it clear that these photos have not been edited. There is also no option to delete my XXXX trips from my account history. Further, I would be willing to confirm all of the above in a legally binding affidavit, if necessary, in pursuing this claim. 
In conclusion, the fraudulent transactions are from XXXX on XX/XX/XXXX ( 1 transaction ), XX/XX/XXXX ( 2 transactions ), and XX/XX/XXXX ( 2 transactions ). These do not appear in my XXXX account history. The fraudulent charges total to {$280.00}. To prove my XXXX account has my SunTrust card connected to it, it is evident the XXXX transaction on XX/XX/XXXX in my bank account appears on my XXXX Trip History. 
Given my longstanding relationship with SunTrust, the severity of the fraud I experienced, and the extent of the efforts I have made to substantiate its occurrence, I wanted to see this matter resolved promptly and my money reimbursed. However, Suntrust rejected my appeal to their initial decision and were unable to reimburse me of the fraudulent charges.

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 2020-04-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I AM VICITM OF AN IDENTITY THEFT, WHICH MEANS THAT THE TOYOTA MOTOR CREDIT ACCOUNT IS FRAUDULENT AND NOT MINE. SOMEONE STOLE MY INFORMATION AND OBTAINED THIS FRAUDULENT LOAN, THIS ACCOUNT IS NOT MINE, I HAVE NEVER OBTAINED A LOAN FROM TOYOTA. I AM NOT RESPONSIBLE FOR THE PAYMENTS FURTHERMORE I HAVE NOT MADE ONE PAYMENT TO TOYOTA. THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I received a notice stating that I owed XXXX XXXX XXXX from a collections agency called " Credit Collection Services '' ( XXXX XXXX XXXX XXXX MA XXXX ). I called XXXX on XX/XX/XXXX as I suspected a scam. XXXX reassured me that my account was in good standing, they have never sent anything of mine to collections, and the notice must be fraudulent. 

I'm not sure how this credit collections company got my information such as my name, address, and the fact I have a XXXX Cable account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an saving account with BBVA back in XX/XX/2018 with promised promotion of {$50.00} after 90 days with balance of {$100.00}. More than 90 days I still haven't received the bonus, I came to the branch and talked with the XXXX he said the bonus should deposited automatically after 90 days from the date of the first direct deposited of an checking account on XX/XX/2018, which is nothing related to my saving account. However, I still waited. That days has passed, no bonus add. I called the online customer service and talked to the XXXX, he apologized and said bonus will be deposited in couple days and he will monitor my account closely. I still have not received the bonus which has been almost 4 months. I sent them several emails and there was an escalated case has open but Everytime I told me a new deadline which is I don't have a clue about those days. Please be aware of BBVA bank, they talk so nice but they just trying to past time, and did not do what they promised. The whole system was failed and very unprofessional. Everytime they send an response email to mail, they always send the full page with the tone of lecturing about the requirements and such which is I met all the requirements. They don't look at the account details and just gave robotics answer. Don't do any business with BBVA bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22
Company: Asset Management Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am attaching two sets of documents. The first document is written in full detail what I think happened to my second mortgage. The second set of documents is the entire accounting of my second mortgage. It is a very difficult case and has taken me over 50 hours to compile this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student loans maxes out can't pay for math class destroyed financially. INVESTIGATE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
incorrect information

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 2021-10-17
Company: EQUIFAX, INC.
State: HI
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:
These inquiries are fraudulent and I need them reomoved. I will attach my Identification card, Social Security Card, and Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: ENCORE CAPITAL GROUP INC.
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:
I had paid the collection account with Midland Funding LLC and was told that the debt would be removed from my credit report and would no longer negatively impact me within 30 days of payment. It has been over 30 days and the debt/tradeline is still reporting incorrectly. It is negatively impacting my chances of closing on a home in the next 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: CITIBANK, N.A.
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: Personal information incorrect

Complaint:
i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information

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 2021-10-17
Company: EQUIFAX, 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:
I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed paid and closed accounts from the Dept of Education on my credit report on XX/XX/XXXX after my taxes were garnished to pay off my past due balances. It remained on my credit report. On XX/XX/XXXX, I disputed these accounts again in an attempt to have these removed. These accounts still remain on my credit report and have significantly impacted my credit score, regardless that they are paid and closed. I have been declined by creditors due to this unfair credit reporting. Please remove so I can be able to build my credit. I can not with these on my report, I am denied even after I have paid off almost all of my debt and have very little monthly bills. 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 2017-11-10
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX I call XXXX for Tech support because I was having problems accessing emails the tech support who said he was XXXX said needed access to my computer and after 4 hours said I needed updates and would cost {$9.00} to XXXX billing so I gave them my credit card # that XXXX has on file XXXX I was notified by Western union of a charge for {$900.00} I called XXXX again said they have no record of my call to them on XXXX Only XXXX when I call them again because problem not fixed - they ended up fixing problem XXXX I call my credit co. who cancelled this card and sending new card Also credit card co said some other charge of {$320.00} for XXXX no sure what XXXX I called XXXX told of the problem that some how someone can access your tech support system - they said look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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:
EXPERIAN TO REMOVE THE FRAUDULENT XXXX XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. WHY ARE THEY REPORTING SOMETHING ON MY ACCOUNT WHEN THAT ACCOUNT IS NOT MINE, IT DOES NOT BELONG TO ME, I AM VICITM OF AN IDENTITY THEFT, I WANT SOMEONE TO EXPLAIN TO ME WHY THE FRAUDULENT ACCOUNT IS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief