BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they Transunion and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over XXXX. XXXX states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over XXXX and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.

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 2017-11-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
This is a followup to Complaint # XXXX. Wells Fargo did give a response but wht they sent was the file copy of the note and deed of trust ( that I could have gotten from the County Recorders Office ) what i asked for was a COPY of the ORIGINAL note SHOWING ALL ASSIGNMENTS, or ALLOGNE. WF has refused to do that, even though this loan went from XXXX XXXX-Wachovia-Wells Fargo. Somewhere in between it XXXX have been assigned to XXXX XXXX XXXX XXXX and not returned properly to XXXX XXXX before it was transferred to Wachovia. WF wants to hide this and has refused to provide the Copy of the Original Note in it 's current condition. Their response is " this is proprietary information and they will not provide it ''. 
Additionally, WF approved a loan modification, it was executed, we made the first 6 or so payments. The loan modification on the First was aslo approved, however WF made a mistake on the terms, and promised to make a correction, but they were not satisfied with the terms they approved on the HELOC and wanted to find an excuse to end it, WF then instructed XXXX, the new Servicer on the First ( which they also supposedly owned ) to deny the loan modification. Once that was done they then cancelled the loan modification on the HELOC because the first did not approve their loan modification, ( both loans are owned by WF ). California Office of Business Oversight confirmed this by using the journal of the lender but they have NO oversight over Wells Fargo. and suggested that I ask CFPB to assist in getting WF to do what they promised.

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 2017-07-08
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
Hyundai Finance reported to the Major Credit Bureaus that my XX/XX/XXXX payment was made 30 days late, however, the account was paid off in XX/XX/XXXX. Hyundai acknowledged their mistake but has not notified the major bureaus and consequently my FICO score dropped 36 points. <P/>I 've spoken to Hyundai Finance 6-7 times between XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Toyota Financial Services repeatedly continues to report to credit bureaus that my account is delinquent, at present 6 payments, 30-59 days late. I may have been a few days late on a payment occasionally buy never, never 30 days late. The situation has been corrected by Toyota, my account has been monitored by them to assure this falso reporting will not happen again but repeatedly it does. XX/XX/2020 I received a letter from Toyota stating that corrections were made in their system again and reported to all credit bureaus, by XX/XX/XXXX, the correction showed on my credit reports. XX/XX/XXXX, I was notified by XXXX XXXX thru an email that Toyota was reporting me with 6 months of payments 30-59 days late. I have gone round and round with Toyota and XXXX XXXX, both say it is the others fault. I have filed dispute after dispute and they are settled and corrected only to resurface again. I need help and I am at a loss as to what to do. Help please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14
Company: SYNCHRONY FINANCIAL
State: UT
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:
My credit report reflects accounts that I have not opened. I would like these fraudulent charges and accounts removed and my score restored

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 2019-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A Capital One 360 checking account was opened as a result of a data breach, opened sometime in XX/XX/XXXX, closed by Capital One in XX/XX/XXXX. I learned of the account after receiving information in the mail showing account was opened in my name. The account was closed sometime in XX/XX/XXXX, a close out check for funds totaling XXXX was not received. The initial check sent to me on XX/XX/XXXX had a stop payment placed on it, which was premature by one or more Capital One reps. A second check was sent via XXXX, I received an email notification from XXXX showing a 2nd day air package sent to me from Capital One. I was in XXXX XXXX at the time and was not at home to receive, sign it, cash it. I left for vacation on XX/XX/XXXX, was in XXXX XXXX until XXXX. When I arrived home on XX/XX/XXXX, the package was nowhere to be found. A XXXX with Capital One leadership team informed me another party had intercepted the check, signed and cashed it. He had a copy of the check mailed to me, the signature on it is not mine, cashed at a XXXX XXXX XXXX  which I do not have an account at. I've provided this information to numerous Capital One reps, none of whom will acknowledge it or even look into. I've shown a copy of my itinerary from XXXX, as well as a statement from front desk personnel showing I was checked in XXXX XXXX at time of check delivery/cashing. Further, I provided a statement from XXXX XXXX, who was my driver to XXXX XXXX in XXXX, MA. I also provided an accounting from XXXX showing there was no funds transfer to my account for said amount, XXXX. The last Capital One management team member, XXXX, stated it appears the check was cashed in my name by someone else and it should be reissued. Capital One Executive Office does not agree and or sees it differently than their own manager, refuses to look into lost funds I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW! 
1. XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX. XXXX 6. XXXX XXXX. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened the Citi Thank You Premier credit card in XXXX under a promotional offer which offers 60,000 points upon account opening and spending {$4000.00} in 3 months. Chatted with agents online but were given false info on my spend amount and how much more I needed by what date. I called in late XXXX XXXX and talked to a supervisor and he agreed that it's Citi 's fault in providing lackluster customer service that I have met all the requirement for the bonus, but since the promotion date has lapse, he'd have to open a ticket to get an approval to credit me the points. Fast forward 2.5months, I called about 3-4 times and chatted online 2-3 times and still no resolution. I'm tired being lied to and wish Citi can just do the right thing.

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 2017-07-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been the executor of my mother 's estate since XX/XX/XXXX. My mother had maintained an CD account that I was not aware of, and the sole beneficiary was her sister who was living at the time in XXXX XXXX in a XXXX XXXX. She was unmarried and died without a will or beneficiary. I have been working with the JPMorgan Chase Bank, Deceased Processing Department in XXXX XXXX, Texas since XX/XX/XXXX to close the account. I have researched, secured, and forwarded documents, to include various from XXXX XXXX. After 5 years of interaction with multiple representative at the XXXX XXXX, Texas branch, I was recently told the Deceased Processing department has reorganized moved some or all of its functions out of State to Florida. Based on the responses of the Florida representatives, I have lost continuity on my past actions and efforts. To make the matters worse, the JPMorgan Chase Bank Deceased Processing representatives in Florida is now refusing to reveal or document their intended action going forward. This is contradictory to the Bank 's previous notifications to me. As recently as XX/XX/XXXX, the Deceased Processing department leader in XXXX XXXX office informed me that the account would be closed, at the latest, by the end of XX/XX/XXXX. I was told that this determination was made after her consulting the JPMorgan Chase Bank Deceased Processing Legal Department. I have expended tremendous amount of effort to communicate and provide all of the documentations collected from XXXX XXXX, as well as others, during the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX my student loan with US Dept. of Education ( USDE ) went into default, I do not know the amount due as the USDE ignored my repeated requests for current balance due. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$4700.00} to pay the USDE LIEN. I pulled my credit reports and noticed the USDE still showed ( 2 ) balances totaling appx. {$45.00} and did NOT show any payments made by the IRS even though the balance was lowered. 
On XX/XX/XXXX the IRS intercepted my joint tax refund in the amount of {$86.00} to pay the USDE LIEN in full. 
On XX/XX/XXXX USDE reported ( 2 ) accounts, each owing {$1.00} and charged off accounts, did not show ANY payments made. I disputed with TransUnion immediately and mailed proof of IRS payments. On XX/XX/XXXX TransUnion reported the info reported was USDE is correct and still shows ( 2 )  accounts with {$1.00} due each, charged off accounts, does NOT show payments made by the IRS.

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 2019-06-17
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In fall XX/XX/XXXX I received a call from Pioneer Credit Recovery, XXXX and was told they were trying to collect a debt that I owed. The woman asked for the last 4 digits of my SSN. She refused to tell me anything about the specific amount of the debt or who the creditor was unless I provided that information. I refused to do so. As there was a stalemate, we hung up. I have never received any notice in my mail of any debt owed, nor am I aware of anything owed. Pioneer soon began calling multiple times, up to 3 times a day 5 days a week, but I would not take the calls. On XX/XX/XXXX I filed a complaint with the FTC, and the calls immediately stopped. But on XX/XX/XXXX Pioneer resumed calling me, again up to 3 times a day 5 days a week. This time I blocked the calls, but my phone does record auto-rejected calls.

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 2019-06-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had called the first week in XXXX, I was laid off and wanted to see if they could help. I was told they could modify the payment for two months, from XXXX. To XXXX, they sent paperwork I signed and was told all good. First payment I made that day was correct, second payment full amount was taken. I called to try to resolve this and was told by XXXX I was wrong, he had notes and recorded call. I asked for the paperwork to be emailed to me and to pull call. I never got paperwork, and was told he was not sure how to get call pulled and could not give a timeline. I also set up a new due date in XXXX, and they did not set it up until I called after they took the payment on the old date and was told it fell through the cracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now  XXXX  has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.

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 2019-08-04
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 disputed these two accounts with XXXX to no avail. They are in violation of the FCRA. They refuse to investigate accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a card in the mail from Citizens Bank stating I could " get up to {$700.00} ... '' if I opened both a checking and savings accounts, and followed the conditions stated on that card. I did so, even walking through the set up with their representative, following all conditions correctly. But they did not follow through with their payment, and said so on the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICE IS IN VIOLATION OF THE FCRA. 
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY XXXX REPORT THAT IS NOT MINE AND DOES NOT BELONGS 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 2021-10-13
Company: Experian Information Solutions Inc.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XX/XX/2021 XXXX XXXX XXXX XXXX ran my credit report without written or verbal authorization which resulted in numerous hard pulls on all three different credit reporting bureaus with 5 hard pulls alone on XXXX and one that I am aware of at this time on Experian. Two on XXXX. XXXX XXXX XXXX XXXX had my personal information due to my purchase of a car from them on XXXX XX/XX/2021. A salesman at the XXXX store was trying to get me to co-sign for a friend who could not qualify on his own, I told him I was on my way over and he was specifically told not to run my credit. I arrived spoke with the salesman and my friend and declined to co-sign. Then to my great surprise I was notified by my Experian Alerts that my credit report had been run. I immediately contacted the XXXX dealership and they claimed they misunderstood when I specifically stated to them that they did not have permission to run my credit report. Finally today the XXXX dealership said that I have to dispute with the credit bureaus. XXXX allowed me to file a dispute ; however, both XXXX and Experian say that XXXX has to write them and say that XXXX pulled in error. XXXX claims that their action was a misunderstanding between the salesman and the finance manager. Either way XXXX did not have permission and these hard pulls need to be removed from my credit file all dated XX/XX/2021.

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