BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.

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 2020-05-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-05-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I made a {$25.00} donation to XXXX XXXX XXXX via PayPal through a legitimate XXXX post by a known friend on behalf of that dog rescue group. PayPal added a {$1.00} fee, making the total {$26.00}. 

When my credit card statement arrived, there were two identical payments of this donation, with the second dated XX/XX/XXXX, so I contacted XXXX XXXX XXXX  to inquire whether the donation had inadvertently been set up as a recurring donation. Their treasurer emailed back on the evening of XX/XX/XXXX that they had not received either donation. 

The phone number attached to the payments on my statement was XXXX, which reverse phone lookup showed belongs to XXXX XXXX XXXX. I began to suspect fraud, and XXXX XXXX XXXX canceled my credit card and the two charges. 

I then checked my PayPal account, which showed only two donations in this general time frame to XXXX XXXX ( a totally different dog rescue group ), both legitimate, both received by XXXX XXXX, and both free of any servicing fees. However, there is no record in PayPal of either of my donations to XXXX XXXX XXXX. PayPal had to have received my donation transaction on XX/XX/XXXX, since it appears on my credit card statement and since I have a receipt from PayPal with a transaction number, and I would assume that PayPal should also have some kind of record of the second transaction. It is strange that PayPal billed my credit card bank, but has no records, and has not sent any donation to XXXX XXXX XXXX on my behalf. 

My efforts to contact PayPal to learn what had actually happened met with total frustration, and either actual or deliberate incompetence and ignorance. I have come to the conclusion that PayPal either inadvertently ( perhaps through some computer glitch ) or deliberately ( thereby committing fraud and theft ) received the money from my donations from my credit card bank and failed to pass the funds along to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2019-06-03
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have provided all the documentation to Fay Servicing regarding full coverage of homeowner insurance. As well as both Insurance companies. However Fay still feels that there was a lapse in coverage however the documents that we have provided shows that there was not. 

They are charging me over XXXX month for hazard insurance when they know I have full coverage and have had full coverage for the last 20 years. 

They will not allow me to make a payment online at this time and when I call in to make a payment they try to refuse to take my payment unless I pay the XXXX extra for the hazard insurance. 

I have tried to contact them again today and I can reach them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Spoke with the US Supervisor on XX/XX/2021, and asked them to remove the late from my account. Told them that I have proof it is inaccurate. They told me that they can not remove it unless the agency ( XXXX XXXX XXXX tells them to. They refused to correct the information for XXXX XXXX even though I explained I have proof that XXXX is not correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
3 years ago my loans were in default, I paid this shady company XXXX XXXX XXXX who said they were an arm of XXXX, I paid them {$600.00} for " filing fees '' then they submitted a payment plan revision to Navient, I think they skewed my family size and my earnings so that my REPAYE plan was like {$21.00} a month. Well two years went by and I figured I could re certify with Navient via XXXX XXXX   XXXX,, you re certify by linking you 1040 IRS form to them and telling your family size, In my case I have a family of dependents my kids ( 3 ) and I am single Head of Household with I make XXXX, I pay mortgage, insurance, car payment, utilities, food, clothes, my youngest child 's tuition {$950.00}, homeowners insurance, etc my payment was {$180.00} a month to navient NOW I re certify and and send them and suddenly I am at {$420.00} a month! I CANT AFFORD THIS. they say its discretionary income that is unfair! I called and spoke to an agent XXXX and she told me we dont take into daily living expenses, I said what about a consolidation? she said yes you can and payment would be {$360.00} but extend the terms for 25 years and at the end I would pay {$95000.00} on XXXX of loans! that is a LOAN SHARK.So then I said what if i dont pay it she said we would keep your potential federal loan return, and we would report on your 3 credit bureaus your default and it could lower your credit by 50 points! I am appalled at the scare tactics that they are using, I said how is this possible you DONT take into consideration your living expenses?? I have no choices now I work as much as possible already I live quite lean for having 3 children to support. This is UNACCEPTABLE and we are stuck the fed govt sets the rate of interest on these loans and the repayment plans are a joke. Navient is NOT the Govt or an entity they are a private party managing govt loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Was not notified of investigation status or results

Complaint:
I sent letters out CERTIFIED over 60 days ago and have not been notified as a consumer i feel like these jokers are taken advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) afte
r the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX UNIT XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: CA
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 been trying to work out a forbearance agreement with my lender, XXXXXXXX XXXX servicing since XX/XX/XXXX due to Covid 19related job loss and financial hardships directly due to Covid 19. The lender has stalled during the whole process with requests for documentation, and denials for assistance for over a 15 month period. They have finally agreed to a loan modification with extremely higher rate and terms and have reported my loan late several times over from XXXX to XXXX. I have requested verification from dispute thru credit agencies and not resolved. I have contacted lender direct and they have updated credit report showing loan is even later than 180 days on 5 occasions! I would like to file a complaint formally with a state agency or get this resolved so i can get a new loan and refinance this lender out! 
Please help

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 2020-07-09
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX self loan still shows open and I am pay off this account date on last payment XX/XX/2020

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 2016-10-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
We are sending this information to you in reference to all of the illegal, and criminal activities of the Bank of New York Mellon F/K/A The Bank of New York XXXX. 

You should know that this has been a very long and drawn out case over the years since 2007, because of multiple law firms hired by the Bank of New York consistently practicing criminal behavior maneuvers on us as well as the many courts involved for this case. Therefore, we will try to keep this complaint as short as we possibly can without injury to ourselves. 

To begin we went to the closing table with {$130000.00} of our hard earned money the day of closing not expecting to be defrauded by XXXX XXXX and their closing attorney but we were and here is how. 

1 ). XXXX XXXX XXXX XXXX, Texas was not registered with the XXXX XXXX to do business in the state of Virginia as a loan broker or to do business in any capacity with the citizens of Virginia! This is called " embezzlement '' or " theft '', either way, it is a Federal offense, criminal and not civil. 

2 ). XXXX XXXX then secured a loan for us for the remanding {$490000.00} which was attached to a Deed of Trust and Note that were Illegal and Fraudulent because these documents were filled with XXXX ( XXXX ). Same Illegal XXXX scam that DOJ, XXXX XXXX, XXXX XXXX, and The Consumer Financial Protection Bureau has been compensated for by the XXXX and has not trickled down to American Citizens such as myself to date. Therefore, we were fraud victims from the beginning at the closing table according to the law. 
Look up the U.S. XXXX XXXX Appeals Court recently ruled in a case very similar to our situation, namely in the case of " XXXX XXXX XXXX XXXX '' ; the Appeals Court opinioned : " ... XXXX cognizable injury occurred when she purchased the loan not upon payment of XXXX-affected interest. '' 3 ). We unknowingly purchased an illegal XXXX SIX MONTH ADJUSTABLE RATE LOAN, by XXXX XXXX XXXX XXXX XXXX, herein after XXXX ' ( LOAN # : XXXX ). XXXX ( now a defunct and expired corporation ) was a XXXX License holder - granted by the XXXX ( XXXX ), the creator and XXXX XXXX of XXXX. Due to the illegal 'Rigging/Manipulation ' of XXXX XXXX ( as demonstrated in the XXXX XXXX XXXX CONVICTION CASES ), all U.S./American Consumers were damaged when they signed the Notes/Deeds of Trust for these illegal financial products. 
We made several notices to XXXX XXXX, their XXXX XXXX partners, Substitute Trustees, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, et al, that the subject ILLEGAL XXXX Loan was " Void XXXX '', and therefore immediate 'Rescission ' of said loan was required. These demands were all willfully and illegally ignored by all named parties, with the assistance of the " XXXX XXXX-in-house-conspirators, et al '', who all had full knowledge of the mandates made by the U.S. Supreme Court in the " XXXX XXXX XXXX XXXX XXXX, XXXX '' decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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:
On Saturday XX/XX/XXXX at XXXX I received a fraud-alert text message from my bank, BB & T . It asked if I had attempted a {$500.00} charge with my debit card at XXXX ( XXXX Services ) . I replied NO and immediately received another text with a phone number, which I called right away. The bank representative ( not the fraud department ) blocked my debit card. He explained that XXXX had tried my card with a {$0.00} charge, then made TWO {$500.00} withdrawals. 

On XX/XX/XXXX I filed two fraud claims in a single process at the XXXX XXXX ( XXXX ) website. I have yet to receive any acknowledgement from XXXX  that they received my claim. On XXXX I selected the XXXX  fraud claims page/site callback option. I have not gotten a call back. 

BB & T 's checking account phone rep told me on XX/XX/XXXX that the two charges were pending but there was nothing the bank could do to stop them from clearing. These charges, made XX/XX/XXXX, did not clear until XXXX. On Tuesday XXXX I filed claims at my local branch bank. On XXXX BB & T emailed to let me know a new debit card was on its way, listing the reason as " Your BB & T Debit Card was reported lost. '' It was not lost, it was blocked by the bank rep during our XX/XX/XXXX phone call. This kind of inaccuracy has me concerned. Also I called BB & T 's fraud department today, was on hold for 22 minutes and then the call just disconnected, as if a rep had flubbed connecting with her next on-hold caller ( me ). 

XXXX XXXX  does not have my bank account info. I believe access to my account may have happened because I signed up for a 14-day trial subscription ( {$39.00} after the trial ) with XXXX on XX/XX/XXXX. I made the mistake of clicking the " Pay with XXXXXXXX XXXX  '' option, even though I have never used XXXX nor given them my account info.

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