BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I took out my private loans in XXXX. I call a couple of years back because my federal loans went from twenty years to thirty-year loans. They explained to me that it was because I had consolidated my loans for a lower interest rate. At the time this was not explained to me. Fast forward I was looking at a credit report from XXXX and it clearly shows my private loans as a loan term of 240 months or twenty years. Suddenly in XXXX, my estimated payoff date is XXXX instead of XXXX. They can not seem to explain to me why they have added three years to my loan payments. 
This is fraudulent and I would like them to make it right. I have not placed my private loans in forbearance or any other stop payment type action. I have paid them consistently over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1 ) I scheduled {$10000.00} to be transferred from my Citi savings account to XXXX XXXX XXXX   ( XXXX ) on XX/XX/2020.

2 ) SNB never received the funds and when I called Citi on XX/XX/XXXX, the agent told me that the transfer was cancelled out of concerns for fraud. Then I questioned why the {$10.00} was still deducted from my account, he informed me it should be back into my account automatically. 
3 ) On XX/XX/XXXX, still not seeing the money back into account, I called again, and the agent assured me again it should go back to my account soon. 
4 ) I urgently needed the money but still not seeing it back onXX/XX/XXXX, I had to call again. But after waiting on the phone for more than one hour, I got disconnected by the system! By the way, for the previous two calls, each time I had to wait for more than one hour before I can speak to an agent. 
5 ) Called again on XX/XX/XXXX ( this time I wrote down the agent 's name : XXXX ) -she said she would create a case and escalate this issue. 
6 ) XX/XX/XXXX, still nothing! Called again, the agent didn't see any active case in my account! But she was finally able to create a case ( investigation XXXX ). 
Again the call took me quite some time ( 2h41m on XX/XX/XXXX ). 
7 ) On XX/XX/XXXX, almost one month later, the {$10000.00} was finally put back into my account.

8 ) I have been extremely frustrated with this experience - Citi 's system glitch ( cancelled my transfer request but still took money away from my account ) was very weird, but the way the customer service was resolving this simply issue is just unbelievable! Not only I lost interest during this period of money disappearing, but much more importantly it cost me a ) more than 13 hours of time ; b ) the opportunity cost of the {$10000.00} ( I was transferring money into my brokerage account ).

9 ) I called on XX/XX/XXXX, asking if I can get any compensation on this. The agent told me that she was not able to provide any credit, even for the lost interest!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: CONTRACT CALLERS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Chief Compliance Officer XXXX XXXX employed XXXX Contract Callers Inc.n sent letter dated XX/XX/2021 via United States Postal mail alleging that I owe a debt with a positive balance of {$37.00} for XXXX XXXX XXXX XXXX XXXX. I DO NOW OWE THE ALLEGE DEBT. CONTRACT CALLERS INC employee and all others involved have committed identify theft by stealing my name and using it without my authorization to do so pursuant to fraud and scams under CFPB.gov

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 2020-02-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My identity was stolen and a fraudulent loan from XXXX XXXX was opened in my name. I disputed this info with equifac and they did not remove the item, they did not even notify me of the results of the investigation. I provided them with proof and documents that the item was fraudulent but they did not abide by fcra laws. I demand this item be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: NCB Management Services Inc.
State: PA
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:
My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with XXXX XXXX. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from XXXX  on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from NCB Management Services Incorporated, stating that they were collecting the {$890.00} debt on behalf of XXXX, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with NCB to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to XXXX  in order to get approved. I went back to the NCB website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched NCB on the BBB and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, i bought a XXXX XXXX XXXX in XXXX 2016. They collected first and last payment and the salesman signed me up for automatic debiting from my checking in order to save 0.025 % interest. After accepting this offer, i received a notice of 30 day payment delinquency the next month after i bought this car. XXXX XXXX said the salesmen never submitted my auto debit and was charged a non payment credit hit. I am desperately trying to payoff debt, raise my score back up in order to get purchase my second home but this is stopping my dreams from happening. 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 2019-06-24
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This bank is crazy I apply online and they tell me to go the the branch that I need to be id verified I go to the branch and they decline me with no reason this is so unfair!!!! I am very disappointed in being discriminated against here

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
from XXXX to early XX/XX/XXXX my debit card was used at an online casino for a total of {$2500.00}. I went into the bank filled out a dispute got a new debit card and given intial credit of XXXX, then in XX/XX/XXXX pnc took my hard earned money back and said they completed there investigation. Really? This money was stolen from me and pnc allowed this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Raw Message Printable View I am writing to you because I received a bill for {$11000.00} from ChaseXXXX. I called and discovered an account was opened using my social security number. I also discovered that someone attempted to make payments on the account. These fraudulent payments were attempted to be made from an account that I closed out as due to fraud on XX/XX/2017. I have the closed account statement from XXXX XXXX. I did not make these payments. I also received a letter from Chase regarding a request for a new card that ends with XXXX. There was another address associated with that card and I have never requested a new card, nor have I ever lived or been associated with the address that the new card was requested to be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Identity was stolen and someone opened several accounts in my name with Synchrony Bank, Upon an extensive investigation it was found that these accounts were opened fraudulently and I was liable as noted in the attached letter I recieved from Synchrony Bank, To date the credit bureaus have not been notified or recieved any correspondence from Synchrony Bank to remove this account ( XXXX ending in XXXX ) as stated they would as noted in the attached letter, This account continues to negatively impact my credit file.

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 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We had {$4200.00} due by XX/XX/XXXX on our Bank of America Visa credit card. We were set up for electronic payment. On both XX/XX/XXXX and XX/XX/XXXX, Bank of America drew payment ( total {$8400.00} XXXX, resulting in overpayment of {$4200.00}. This was BoA 's error. 

Our XX/XX/XXXX BoA Visa statement shows a balance due of negative {$1400.00} ; in other words, a credit ( nothing due ) on the " payment due date '' of XX/XX/XXXX. 

On XX/XX/XXXX we contacted Bank of America, and they refunded our overpayment. What BoA did not tell us is they had changed our " balance due '' for XX/XX/XXXX. 

We were surprised to discover when we checked online today, XX/XX/XXXX, that our BoA credit card account now shows a " balance due '' of {$27.00}. How is this possible against a closed billing statement that says " Total Minimum Payment Due {$0.00} ''? 

We called Bank of America today and asked our phone rep XXXX XXXX in XXXX XXXX. She defended the change in amount due against a closed statement. This is outrageous. 

We were vigilant and caught this gotcha before the " balance due '' date. But if we had missed it, BoA would likely have begun charging interest and fees for a missed payment that they had never informed us about. 

We are asking you to sanction Bank of America : A credit card issuer ( 1 ) should not charge a balance due against a statement credit or ( 2 ) fail to inform the cardholder of a change in balance due posted after a billing statement has been issued.

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 2018-10-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
You closed complaint # XXXX in error and I do not think you understand the issue. XXXX XXXX is not posting credits for items returned. Below is an email response I received on XX/XX/18 from XXXX XXXX regarding my complaint. They have NOT posted my credit. Sure they will list the return under transactions, BUT it does NOT decrease your balance. See email below from XXXX XXXX  advising I have an pending, unposted credit transaction for {$100.00}. To this date, XX/XX/18, it has posted to my account! 

From : XXXX XXXXSent : Saturday, XX/XX/2018 XXXX XXXX ( ET ) To : YouSubject : Re : OtherMessage ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX XXXX issues your account and responds to all credit related inquiries. 

Our records indicate that the credit limit on your XXXX XXXX account is {$1000.00}. Since there is an unposted credit transaction of {$100.00}, your available credit limit is {$470.00}. Also, the current balance on your account is {$630.00} We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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 agreed to remove this file but it still appears on my credit please remove please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: ID Analytics, Inc.
State: VA
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:
For one, I dont know who these people are. I never gave them permission to go into my personal information to obtain my personal information. Which resulted in higher interest rates of a recent purchase. My credit score was extremely low compared to other reputable agencies. I truly believe their main purpose is to help crooked business to charge the consumer more monthly payments, because of low credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX we reached out to Freedom Morgage ( who holds our FHA loan ) and inquired about refinance rates. After we discussed it, my husband and I decided to sell our home instead of refinancing. It took us 3 months to put our home on the market and 2 additional months to have an offer on our home. We accepted an offer and started moving forward on the paperwork when our buyers morgage company discovered that Freedom Morgage unlawfully against our knowledge opened a case # against our address the following day after we ONLY inquired about rates. The buyers for our home are unable to get a FHA case # assigned to them while there is an active case # on us. I reached out to Freedom Morgage at XXXX this morning and it is now XXXX and they refused to close our case # today, potentionally costing us the sale of our home and the contract of our new home due to it being contingent on ours selling. We were transferred more times than I can count and placed on hold for hours at a time with people who never came back to the phone and never made the call backs they promised. Freedom Morgage has the ability to cancel our case # by simply logging on to FHA connection yet refused to do so. After SEVEN AND A HALF HOURS of being on the phone with them, the BEST they were willing to do is contact HUD and request it be cancelled, but we reached out to HUD and have it in email that that is not the correct way to handle this and that Freedom Morgage was to log onto FHA connections and process this. I have names of most people we spoke to, also have the extension # of the person who never bothered to return our call. I am beyond angry at how horribly they have done business with us. This is the second morgage we have had through them and we will never have another after this horrendous customer service. We did NOT give them permission to open a case # on our property. We were not even notified that they did! Because they were not willing to close the case correctly today, our closing is now delayed and we may lose the contract on our new house due to their atrocious customer service.

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 2020-02-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$3500.00} in Cashiers Checks written on XXXX today, XX/XX/20 and 20 % of should be available but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, 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:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion. I have had a collection account XXXX XXXX XXXX XXXX XXXX Transunion File number XXXX disputed several different times with Transunion. The collection amount shows {$630.00}. 

When it first appeared on my XXXX  report two years ago I called the collection company and asked them to send me the information regarding the charges to verify accuracy. They refused to speak with me unless I provided my social security number. I disputed the account with XXXX  and they removed it from my credit. 

One year later the same collection account appeared on my Transunion report. I disputed it again and was told by Transunion that they verified it to be accurate. Transunion refused to provide me with the documentation that the company sent to Transunion to prove this was my account. However, Transunion removed it from my credit report. 

This same collection account appeared on my credit report this year. Again I disputed with Transunion and they have returned the dispute as a verified account. 

I believe this collection account to be fraudulent. Every time the collection account has been added to my Transunion report they have changed the date which says when the account was opened. This current account is stating it was opened XX/XX/XXXX. Clearly, this is not accurate since I have attempted to dispute this account for two years. The initial collection from the XXXX  report believe says it was opened in XX/XX/XXXX. 

I have no knowledge of this account and have never been provided with a bill for services. I would like Transunion to remove the collection account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: 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 LOOKED OVER MY CREDIT FILE AND FOUND SOME ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I CAN NOT EVEN BEGIN TO THINK OF HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH IN ORDER FOR THE ACCOUNTS AND INQUIRIES TO BE AUTHORIZED. THIS SITUATION IS CAUSING SOME SERIOUS DAMAGE TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: IN
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:
i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and exsperian,

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