BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I have had a Home Equity Line of Credit on our primary residence located at XXXX XXXX XXXX, XXXX XXXX, NJ with Citizens Bank of PA since XX/XX/XXXX. I have received statements from Citizens Bank each month which I track how much I owe and have been able to balance my statement correctly with the information I have until the XX/XX/XXXX statement. See attached statements from XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX statement information ( last months previous balance minus payments plus interest/insurance/fees ) did not add up to the New Total Balance. The New Total Balance was {$50.00} higher than what it should be with no information as to what the {$50.00} discrepancy was on the statement. 
I called the Customer Service phone number several times and spoke with representatives ( each time escalating to the next line in management ), the final conversation with a Customer Service Manager ( XXXX XXXX ) who stated that the {$50.00} was added to our outstanding balance which represented the approximated cost of the Recording Fee ( s ) when the loan is paid off. After much conversation in which I tried to make them understand that the fee had not happened yet they insisted that the {$50.00} fee would remain in the outstanding balance. 
I am financially astute and understand how to check the Daily Periodic Rate as well as the Average Daily Balance which is how the interest charged on the monthly statement and have found that Citizens Bank is charging me for interest on the {$50.00}, which they say is not being done. I dispute this as the Average Daily Balance includes the {$50.00}, so I am being charged interest on a transaction that has not taken place. 
While the {$50.00} incurs a small amount of interest for me, if the total number of accounts that Citizens Bank has possibly done this to adds up to quite a nice amount of money for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Report : XXXX XXXX XXXX XXXX , XXXX- Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX  should not be reporting to XXXX ; Experian and XXXX a repossession on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in rehabilitation for medical reasons and was given permission to turn the vehicle in per extenuating medical circumstances with no penalties. XXXX XXXX XXXX granted this request. This false reporting that this was a repossession is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

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 2017-10-05
Company: EQUIFAX, INC.
State: NC
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:
This complaint is in regards to my balance is showing different on all 3 credit bureaus and showing missed payments for different months. I am on auto payment with XXXX XXXX how can I have a missed payment. 

XXXX XXXX need to update my balance to update all 3 credit bureaus correctly and remove the missed/ late payments. A payment can not be late if I set it up on their website and it is automatically drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: I.C. System, Inc.
State: NC
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-04-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a court ordered custodial savings account for my daughter with JP Morgan Chase Bank. In XX/XX/2021, my daughter became of legal age to access the funds. Since which time I have been attempting to close the account. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on three occasions. I was told the documentation provided to me by my lawyer was not sufficient to close the account. However, the bankers could provide no guidance on what documentation was required. 

I went to court on XX/XX/2021 and obtained a signed court order requesting that the hold on the account be released and the account be closed. I provided this documentation to Chase. At which time, I was given no guidance on the process or the time-frame to close the account. It has been several weeks and no one at the branch can tell me when the funds in the amount of {$25000.00} will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I called Equifax XX/XX/21 at XXXX to inform them that they've been violating my XXXX rights under the FDCPA! I was transferred to Supervisor XXXX in the Dispute department. I told XXXX that Equifax is in violation of 15 USC 1681b ( c ) 2. I demanded they remove the adverse items on the report/file. XXXX refused my demand as an consumer and even denied me an opportunity to address my concerns to another acting manager! I recorded this conversation! I sent the CEO a letter about this fraud, it was sent certified mail XX/XX/21. This XXXX feels hopeless as a consumer with these forces working against me. Whether it maybe by mail or on the phone, Im being violated according to FDCPA and seek ALL protections provided to a consumer by law.Please allow me to share the audio of the conversation and publish it as well. May God bless all those that may read this affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: Rent Recovery Solutions
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: Account status incorrect

Complaint:
I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
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: Personal information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately : Employer : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I wrote to dispute to XXXX XXXX using Credit Karma if they could consider a Goodwill request removing late fees I had back in 2018. It was a 30 day late and the full credit line was paid days later. Since I have never been late on either of the two accounts i have with XXXX XXXX. Credit Karma is only submitting responses or request I have sent in the past and will not allow me to send the request Im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting inaccurate, incomplete and unverifiable information. I have given them plenty of opportunities to fix the error but they allow their disputes to be completed by an automated machine and as a result i have suffered with inaccurate information on my credit profile for a very long time. This is a blatant disregard for the FCRA and the " reasonable '' investigation to be conducted by Equifax. This has likely cost me thousands of dollars in interest payments. 

I am requesting Equifax to complete an actual investigation and remove the following items from my credit profile : 1. " XXXX 's XXXX XXXX '' - Account opened XX/XX/2018, has a balance of {$200.00}. Original creditor listed as XXXX XXXX XXXX XXXX To date I have not been given proof of what this debt is nor of my agreement to pay. I have allowed Equifax more than 30 days to produce the information and they have failed to do so. As such the account is to be removed from my credit report by the FCRA. 

2. Ch XXXX Bankruptcy - Equifax cites the source of this information as XXXX. I have contacted XXXX and they have confirmed that Equifax has not contacted them to verify the information. They have also confirmed that they do not share this information with Equifax. As more than the time allowed has been provided, this public record is to be removed from my credit report by the FCRA. 

3. XXXX XXXX XXXX - Reporting a balance of {$5500.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report. 

4. XXXX XXXX XXXX - Reporting a balance of {$390.00} - I am not responsible for this account. XXXX has agreed to remove this account from the credit reporting agencies, yet Equifax continues to report this account. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NC
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 has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.

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 2020-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PennyMac Loan Services , LLC violated federal regulations found in CFR Title 12 during the loan process with XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX. XXXX XX/XX/2019. 

Federal regulations within title 12, stipulate the standards to which an appraisal is to be conducted. When this appraisal was conducted it neglected to account for the access easement and its condition. 

The aforementioned property contains an Ingress and Egress easement through our property. There is an easement agreement between the owners of both properties. The XXXX have abandoned this easement due to lack of maintenance and failing to bring the easement into the standards stipulated within the easement agreement. Federal regulations require that these appraisals follow XXXX XXXX of Professional Appraisal Practice standards. Had these standards been followed it would have shown that the easement was not in an all weather road condition. The driveway within this easement contains a low water crossing through a perennial creek. During seasonal rains this easement is unpassable for hours to days and requires excavation to fix the damage created. The XXXX have the sole responsibility to maintain and bring this easement up to the standards within the easement agreement. We are dependent upon them to do this. As a result of this matter we are left without access to and from our home several times a year. This has resulted in lost work and without the ability to receive emergency services. This condition also prevents us from obtaining a FHA or HUD loan. 

While it is clear that the XXXX have the primary burden to fix the easement, their ability to obtain a loan with the easement in its current condition has allowed PennyMac Loan Services , LLC to also be implicated in this neglectful situation. If the appraisal was performed to the standardards stipulated within title 12 this issue would have been resolved. 

PennyMac Loan Services , LLC is in a unique position to provide a remedy for this affair, and we demand that this situation is retrafied. 

Attachments : Picture of seasonal creek condition Easement agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: National Credit Adjusters, LLC
State: TX
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 account was opened without my permission as a result of identity theft. I have a security fraud alert of with the credit bureaus. And I was not notified until I started to receive harass calls calls. regarding this account. This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Loan Cabin Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Loan Cabin, and locked with {$7600.00} lender credits. At closing, instead of {$7600.00} lender credits, Loan Cabin only provided me {$6100.00} lender credits, which was {$1400.00} less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: IN
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:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Honestly, my experience with Navient has been a horrific nightmare since they took over from Sallie Mae. They have allocated funds to my 4 loans with them so one loan is paid off out over a year, and my other loan was charged off and they sued my dad ( who is a cosigner, and threatened to garnish his wages- he ended up taking out part of his retirement to pay his portion off to get off of that loan, but they are still coming after me ). No matter how many times I call, I get a different answer from these people. I graduated in XX/XX/2006, these loans should have been paid off by now, but the insanity of this situation is out of control. I feel like a slave to them. My online account doesn't show apples to oranges and their fraudulent practices make me sick! My credit is ruined, my father 's credit is ruined and I don't even know what recourse I have. How is one loan paid over a year and another loan in default? How am I paying them {$200.00} a month, and they get to chose how it's spent, and then I am left in the dark with ruined credit? I am absolutely disgusted and I want to know what my options are at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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