BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Navient Solutions, LLC.
State: NC
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:
The following information listed below is from the Navient website pertaining to my account states that I have two loans for a XXXX UNIVERSITY XXXX, I never attended this school in my life. 

I would like full disclosure of all pertinent information relating to this school including Promissory Notes supposedly signed by me. 

XXXX Stafford - Subsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$2400.00} 4.660 % XX/XX/2019 Hide more informationXX/XX/XXXX Stafford -  Unsubsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$3300.00} 4.660 % XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a month to month lease with my old apartments. I notified the manager that I'm leaving next month as my contract said. My English is not that good and I asked my brother who speaks better English to talk to the manager as well and notify her of my last day at the apartment which was XXXX XXXX. My brother and I confirmed our last date and she understood it and she told us she will deduct the deposit fees ( {$250.00} ) and we agreed on everything, then she asked us to make it in writing as well, so we put it in writing and my brother went next day and dropped it in the box outside the office because the office was closed that time. I moved out the apartment in XX/XX/2019 and I dropped the keys at the office, then I received a letter from the apartments asking for XXXX rent and almost {$700.00} fees for not giving them a notice. Why would I pay XXXX month if my last month of stay is XXXX, and if they consider I need a month notification, they should charge XXXX month as a notification period and not both. When I tried to talk to the manager, XXXX XXXX, she threatened me either to pay or collection agency and ruining my credit. I was expecting suing and going to court, but she sent the fake bill to the collection agency which they never contacted me in writing or never called me about this fake bill. It is an obvious way of using power, threatening people and taking advantage of their low language and communication skills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I went to a bar/restaurant and purchased a drink for {$17.00}, my credit card and ID were kept behind the bar. My Citibank credit card was subsequently charged {$410.00}, {$820.00} and a {$1700.00}. I DID NOT AUTHORIZE these transactions. 

My wife saw the charges on XX/XX/XXXX and thought the card had been lost or stolen because 1 ) we never make purchases this large, 2 ) it appeared the card was being used in XXXX, not XXXX, and 3 ) our Citibank credit card has been compromised at least 4 times in the past few years. 

She cancelled the card that night, stating it was stolen or otherwise compromised. 

We called Citibank during the initial investigation to inform them the card wasn't stolen, however these charges were not authorized. Citi closed the investigation the investigation as card not stolen. We have called over 10 times and spent more than 7 hours on the phone over the past 3 months asking Citi to open an investigation of the charges not being authorized and were consistently given the run around by transferring us back and forth between depts, telling us it would be reopened and we'd get notification. Never were we informed they are only obligated to investigate written disputes. We learned from a friend we needed to send a written billing dispute and subsequently sent a certified letter. We received a response today stating the {$1100.00} will be investigated, it does not mention the {$410.00} or {$820.00} charge. I do not have confidence they are going to investigate ANY of the charges. 

If nothing else, I should receive receipts and " proof of purchase ''. Card ending 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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/2019 I ordered a credit card from Capital One on or about XX/XX/2019. At the time I ordered the card I informed the customer service agent that I receive my Social Security check on the XXXX Wednesday of the month and I need to receive a hard copy of their bill prior to that date so that I may make a timely payment. I specifically requested a change of my billing date so that I would not receive late charges. I was informed that the change would be made within the next one or two billing cycles. Since that time the change was not made and I made six additional calls ( once a month ) trying to confirm the change was made. Each time the rep initiated a new order to make the change because it was not made. On the last two occasions I spoke to the customer service supervisor who affirmed the change was made. The last occasion was today when I spoke with XXXX # XXXX. She indicated there was no record on my account of any changes were ever ordered. That was surprising because the previous Supervisor who identified himself as XXXX had personally promised me that the change would be made. In the meantime, I have been paying a substantial amount on my bill right when I get my direct deposit at the end of each month. Even so, I am being charged a {$30.00} late fee for the last two months because their payment date has not been changed. Their response despite their neglect and indifference to my request is to say pay on your bill prior to the late date. Capital One policies are so inflexible that they refuse to waive more than one late charge regardless of when I receive my funds or their culpability. Capital one also does not have any method for filing a complaint about their methods. Capital One clearly discriminates against the elderly and fixed income people similarly placed as myself. I believe Capital One has treated me unfairly and lied to me multiple times about changing my due date. I request your organization investigate the matter and order Capital One to accept responsibility for their misconduct, refund my unwarranted late fees, and change their policies to account for the special circumstances of elderly and fixed income people. This company lies to its customers, does not document their actions, and is indifferent to the complaints of its customers. It should not be allowed to operate in such a manner. 
XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: MA
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:
Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home flooded during Hurricane Harvey. I was told by the insurance company that it would take two months for them to make a payment on the claim. Since I knew the money was coming for the repairs, I went ahead an authorized the repairs and paid for them out of pocket to the extent of {$57000.00}. When I received the check from the insurance company, SLS was listed on the check. When I contacted them I was told that I had to send the check to them and that they would endorse it and send it back. After spending {$75.00} to overnight the check to SLS, they then waited three days to open it and then deposited it into their account. I have been calling daily for almost a month now asking to speak to a manager but every time I call I am told a manager is not available but they will have one return my call. On Wednesday XX/XX/XXXX I spoke to a XXXX XXXX who told me that he would have XXXX XXXX return my call within 24 hours. After not hearing from XXXX after 48 hours, I have attempted to call numerous times and left numerous messages but she will not return my call.

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 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America received a check at the ATM and placed a 10 day deposit hold without notice. BOA refused to return the check inside where the deposit was made and refused to credit the account at the contact center via phone. The extended hold was unreasonable and I asked XXXX XXXX at the call center to contact the issuing bank and verify the funds because this hold was creating a substantial financial crisis for me. XXXX refused to even credit {$200.00} of the check to my account and refused to pick up the phone and verify the check to release funds. These actions are immortal and unfair and if the check was accepted then the funds should be released or the check returned. The banks use of ATM is no excuse for not returning property ( the check ) when refusing to credit the account. I was damaged by the actions of BOA and the check should have been returned on request to provide to the issuing institution.

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 2018-12-15
Company: Experian Information Solutions Inc.
State: MA
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:
Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.

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 2021-06-07
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have requested method of verification, validation of debt, and assignment of debt for this account and it was not receive ; in addition, not real investigation took place, which is required. 

The method of verification and validation of debt should supplied the names, phones numbers, dates, of people involved with notarized documents. 

The credit agencies should be held accountable and sued again as they did not complete an investigation provide the supporting documents as per the Fair Credit Act. 

I have the certified tracking number mail, so they have received the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told that my debt is from when I visited the ER, which at the time of the date in question I had insurance and since then I have switched insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Synergetic Communication Inc
State: NY
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 online by someone else I only had two account for this bank and I owed then money so how can I open and new account with owing them money someone stole my identity because im a victim of identity thief I had account before 2019 not in 2019  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwith this bank this account wasn not opened in person it was opened online and they lied and said it was opened in the branch and a manager told me someone did it online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX {$700.00} & {$860.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditorI want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

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 2019-09-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a check in the mail for XXXX. It was suppose to be for car advertising. XXXX for first week pay and the rest for the techicion to put XXXX logos on my car. I deposited the check into my wells Fargo checking account on Saturday XXXX the the XXXX. The banker gave me XXXX at that time as a courtesy. The rest would have to be cleared before it became available. Which was Tuesday XXXX the XXXX. When the check was cleared on the XXXX. I was instructed to take the money out of the account for payment to the techicion. I sent it as XXXX gift card as instructed. The techicion was supposed to come out on XX/XX/XXXX at XXXX. He never showed up. Then at XXXX my bank card was declined. So I called the bank and occurs my account was over drawn by the amount of the check. So it was a fraud. Now I believe that I should have to pay back the XXXX cash the banker gave me on the XXXX. As a courtesy. But the XXXX. Is there falt. They held the check until Tuesday XXXX to be shore that the check went through. Then they made it available to my account. Now they want me to pay the XXXX plus fees. And that isn't right. Again. I believe I should have to pay the XXXX cash given to me on the XXXX that they gave me out of courtesy. But the rest is on them. For if they would have been doing there jobs for those 3 days it was on hold to make shore the check was real and go through before they made it available like they were supposed to. For that is the whole reason of them holding it. I would only owe them XXXX. And the name of the company that wrote the check is sticker ride as team. And obviously there a fraud.

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 2018-12-15
Company: CAINE & WEINER COMPANY, 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:
CAINE & WEINER {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
-XX/XX/2019 XXXX XXXX XXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called XXXX XXXX on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-XXXX told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times XXXX and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

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