BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-15
Company: CITIBANK, N.A.
State: TX
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 an unrecognized inquiry on my XXXX credit report from Citi Bank, dated XX/XX/2020. This inquiry does not appear on any of my other inquiries. I have written to Citi Bank multiple times to request that it either be validated or removed. Citi has repeatedly responded to my inquiries by claiming that it can not find any record of said hard inquiry. They continue to request information that they were already provided with. I can not continue to waste my postage and time in responding to attempts to stonewall my inquiry. 

If Citi Bank can not verify that this inquiry is valid, they must remove it pursuant to the Fair Credit Reporting Act ( FCRA ). I am enclosing a copy of some of my recent correspondence to Citi Bank for reference.

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, 2017 my credit scores dropped 2 and 3 points with XXXX and Transunion.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.

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 2017-12-30
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to access a credit report from Experian. They notified me they were unable to provide me with a report due to lack of information XXXX. I received a debit in my checking account for $XXXX, I was told my report was FREE. I spent 20 minutes attempting to contact Experian with no avail. I am XXXX and $XXXX is a lot of money to my family.

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 2017-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Dear Sir or Madam, It has been a struggle to remove this fraudulent inquiry from Capital One/Saks 5th Ave. On XX/XX/XXXX, I received an alert from hard Inquiry from Saks 5th/Capital One. I never applied to Saks. I called customer service and the rep stated " thank you for bringing it to our attention, we will get back to you ''. It 's been a few weeks and nothing. I need this fraudulent inquiry removed asap. <P/>Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient continues adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their updates are detrimental to the process. For one, after being in forbearance and for the second time i consolidated four loans into one. I was told that the existing two accounts that were closed on XX/XX/XXXX and XX/XX/XXXX would be deleted from all credit bureaus. As soon as I consolidated by phone five loans were visible on my credit reports..PLEASE REMOVE ALL LOANS older than 7 years off my credit report, as that is more than the SOL for my state. I need this REMOVED ASAP as Navient is doing illegal collecting and credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, XXXX of XX/XX/XXXXand XXXX of XXXX, I have requested documentation on the status of my account with Specialized Loan Servicing such as loan statement, payment history, and account balance. My bankruptcy attorney has sent an authorization to them requesting their cooperation to mail me monthly loan account statements. The company has refused to send any information on the loan in 3 years including the remaining balance, payoff, or payment history. They expect me to continue sending them monthly payments on a loan that I have no amount of what is owed or what I need to pay monthly. 

As the consumer and account holder of this Home Equity Line of Credit, I should have access to the status of my account. I am making monthly payments and have never been in default. I don't know how or if payments are being applied to my account or someone else 's because they will not send me any status updates on this loan.

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 2022-02-15
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
This is in relation of the case which was just closed with Bank of America. I believe that Bank of America has submitted fabricated information to the CFPB and has taken advantage of the death of XXXX XXXX to take money out of my checking account. They never told me that I needed to set up more payments after a specific date. Furthermore, when the payments stopped, I assumed the debt was payed off, as would anyone else. In the attached screenshot from the information Bank of America submitted, the underlined text shows the information that Bank of America has fabricated. This is not the first time they did this. Bank of America has been caught in deceptive marketing tactics, https : //www.consumerfinance.gov/policy-compliance/enforcement/actions/bank-america-fia-card-services/ and this action has forced Bank of America to pay out over {$720.00} XXXX in relief to affected clients. Bank of America is back to its old practices again. I feel I need to be compensated with damages. I plan pursue this further. I am in contact with my congressman and I am also planning to contact media and attorneys who were involved in suites against Bank of America. I am not letting this issue go until Bank of America either compensates me in damages, returns the funds or is forced to close its doors. On top of that, I find it shameful that a bank would take advantage of the hardship of its clients. When I noticed there were insufficient funds, I had called Bank of America and went out of my way to deposit money in the account and that the could redebit my account. They never did. I also explained that my mother ( XXXX XXXX ) was ill and I was caring for her so I could not work as before. Then the nerve of Bank of America to default on XX/XX/2019, the day I was burying XXXX XXXX, who passed away on XX/XX/2019. This is a terrible and cowardly thing Bank of America has done, considering they " claim '' to have records of our conversations. In those records they should have brought up the fact that there were hardships involved. Bank of America is shameful and I don't know how its employees can sleep at night knowing that they are working for a cold-hearted 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 2019-08-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When Santander bought XXXX XXXX they called in two business loans which were always paid on time. This put a big strain on my business as I needed money at certain times to purchase seasonal products. When my business began to fail I approached Santander to procure a lower mortgage rate through the HARP program. They told me they held my mortgage and because of the economy and real estate values dropping, they would not consider a re-finance. The mortgage was always paid on time and there were also several additional payments made. My feeling is that since I kept the mortgage in good standing and they were getting 6.25 % interest, they didn't want to negotiate in good faith. The business suffered some disastrous problems and as a result I could no longer make the scheduled mortgage payments. Because of these problems my marriage fell apart and now I was short an income source and eventually had to claim bankruptcy and sign the house over to an agency who took over the mortgage. 
I feel Santanders greed to retain my high interest mortgage rate led to the subsequent problems that occurred and basically led to me loosing my home and the XXXX  XXXX dollars I had already paid in mortgage payments. 
Amazingly, when I was unable to maintain the scheduled payments, Santander was open to restructuring the mortgage.

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 2017-11-16
Company: The Bureaus, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my Equifax consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, I contacted Nelnet, a student loan servicer, via its website. The website is filled with information related to COVID-19, needing help with student loans, etc. The website states that during a COVID-19 forbearance interest is not capitalized.

The website discourages borrowers from telephoning and encourages borrowers to apply for forbearance via its website. I used the website to apply for a forbearance for a COVID related income reduction. This was good for 90 days. I utilized the same process in XX/XX/XXXX. 

In XX/XX/XXXX, I learned that my Economic Hardship application was denied and I would have a {$750.00} payment due that month. I could not pay that amount because my net income is $ XXXXmonth. I called again and was told I should apply for the Income Driven Repayment Plan, which I did the same day. I was also told I would get another 90 day forbearance because I said my repayment problems were still related to COVID. 

On XX/XX/XXXX, I learned that Nelnet did not give me a COVID forbearance that would not capitalize interest and instead gave me a " general forbearance '' whereby accrued interest would be capitalized into the principal. 

I feel like Nelnet engaged in a " bait and switch '' as to the forbearance. During my call on XX/XX/XXXX with Nelnet, I learned it was not possible to obtain a COVID forbearance via their website and that anyone with my type of student loans ( Federal Direct that were consolidated ) had to call Nelnet to obtain the COVID forbearance. This was incredibly misleading and I believe that this is an illegal " bait and switch ''. 

To a lesser extent, I am also complaining the IBR program was not fully explained and I believe I was pressured into it because Nelnet did not want to give me another COVID forbearance despite the fact I had to remind the Nelnet rep I knew that the COVID forbearance was extended to XX/XX/XXXX. XXXX Knowing now that I never had a COVID forbearance and instead got a " general forbearance '' makes me even madder because the rep on my initial call in XXXX should have realized the mistake and brought to my attention. ) I have already been paying on my student loans for 20 years. Why would I want to move to a plan that is based on " forgiveness '' instead of repayment? Today I learned that this plan calls for me to make payments for 25 more years. I will be XXXX years old. I think I would be better off waiting for my income to return and utilizing the COVID forbearance in the meantime to avoid default. And they would not let me " undo '' the IBR program once I learned the additional facts. In fact, there was no undo option even though I was just advised I was accepted today and have not made any payments under the plan. Again, another " bait and switch '' tactic by Nelnet..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I filed a dispute with XXXX, Experian, and XXXX. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. XXXX completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. Experian also provided results that coincide with XXXX. I have contacted XXXX XXXX XXXXXXXX and they say they are backlogged for 60 days.

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 2020-04-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im having a problem with the banking institution Chase. I lost my wallet back in XXXX with my debit card inside but it took me about two months to realize that my chase account had been compromised and used frequently in the meantime because Im frequently XXXX  and XXXX. When I filed the claim on XX/XX/XXXX everything seemed to go accordingly until they denied me for almost every fraudulent transaction. I am very surprised by this because my pin was used and at chase banks where I am sure theyre many cameras to see exactly who stole my money. I feel that investigating done by the bank was insufficient. They have yet to tell me specifically why the claims were denied. I provided them with hospital records I was able to obtain in the short amount of time they gave me to do so which was 3 days on XX/XX/XXXX. The banking institution also mislead me with information suggesting that they would paper mail me information regarding my claim when I first spoke with them which was never done. I waited patiently before being denied without thorough explanation. At this point I am confused on what to do in my situation and need further assistance and guidance. Im at a loss of about {$1400.00} my whole account funds which is very rough for me because I lost my job due to covid 19 and my illnesses and that was money I had intended on saving for hard times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX come out to hook up internet late XX/XX/2018 and they couldn't provide the service that they agreed to provide. So after three days of nothing being fixed I had them come take their equipment and cancel all of it. It was written in their contract and I was told personally by their staff that they had a grace period and that I wouldn't be charged for any of it since I didn't use the service and it was withing the grace period. I ended up getting a bill after being told I owed nothing. So I got a hold of their support team on XX/XX/2018 and was told yet again I owed nothing and I still have this conversation backed up on my email from that day. Recieved yet another bill in the mail about a month later so infuriated, I called them and tried to figure out why im still being mailed bills for a service that I don't have and obviously was assured I owed nothing on. So they apologized and said they would fix it. So I never got another letter or bill. That was 9 months ago. I now see I have an outstanding collection from XXXX for XXXX. XXXX  will not do anything about it now that it's in collections, and the Collector wouldn't do anything over the phone and said I needed to file a complaint on their website. So I did. And nothing has happened. That was last week. I would consider this Fraud. I don't even understand how companies get away with this.

Company response to consumer: Closed with explanation