BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: AES/PHEAA
State: AZ
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 left school in XX/XX/XXXX and my last student loan was issued prior to that. I consolidated and made payments under a consolidation plan. After that I was forced into a new consolidation because loans that had been paid off were being placed in collections. Now, after making more than {$20000.00} in payments, I have a balance due of {$140000.00} on loans that originally totaled around {$50000.00}. I have asked the both the servicer and the Department of Education for copies of all of the promissory throughout my loan history as I believe there are discrepancies. The servicer told me to contact XXXX and XXXX told me to contact the servicer and this has just gone back and forth for about two weeks. 

I want the copies because I believe they reconsolidated loans that had already been consolidated. 

I also want these copies so I can share them with my Senators as they move forward with their loan forgiveness legislation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: AZ
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:
Dear CFPB, i have sent multiple letters to XXXX, XXXX, Equifax over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian should not be reporting a collection/charegeoff in the amount of {$980.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, ever had a charge card with XXXX. I have contacted XXXX and spoke with XXXX a representative for XXXX his ID number is XXXX. XXXX tried to locate my account using my full legal name and social security number and he was not able to locate any account under my name. He did locate another customer with a similar spelling to my name however the social security numbers were different. This false reporting of a collection/chargeoff account that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau, as well as, XXXX to remove this however, I have not been successful.

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 2019-02-09
Company: CITIBANK, N.A.
State: CA
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:
My Citi credit cards are associated with a thank you point reward account. In the mid XXXX in 2019. I suddenly found that more than XXXX points were missing. I had no idea what caused such a situation. So I called in thank you point customer service. While the representative was investigating the reason, I found out my reward account was disconnected by a couple of credit cards, which also contribute to my rewards points. I thought it might be IT glitch to lead the according points missing. I immediately report this condition to representative. But to my surprise, representative told me this is not IT glitch. He explained two credit cards were cancelled due to no inactivity. The associating points were expired after 50 days from cancellation of cards. I was shocked about this situation, since I did not notified by Citi about the cancellation. Even my Citi app still showed these two cards in my online account as normal. Thus, I explained I did not get any notification to show my cards were canceled and my points were expired. Representative told me he understood. He communicated with manger for my case. After a while, the representative told me his manger has taken care of it. He confirmed his manager guaranteed I can get back my points within 2-3 business days. I requested the representative to double check. He confirmed that I should receive my points firmly soon.

After a few business days, I still did not see my points were refunded. So I called in again. A manager XXXX in thank you points center received my call. However, he told me a different story and insisted that he can do noting about these points. He directly denied the guarantee and confirmation from previous manager and representative. I was so angry since XXXX just broke the guarantee made by Citi. That basically means the guarantee from a manager in such a large bank even did not count. It is ridiculous that a bank can say totally different solution to customer. A following manager XXXX also spoke with me and he repeated XXXX 's saying. He told me I will not get back my points.

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 2021-04-30
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello I am trying to get help for a mortgage home loan release that was satisfied by the former owner who I bought my house from in XXXX. The mortgage was held by GMAC mortgage services but they never filed that the loan was satisfied, But it shows that it is satisfied in the electronic mortgage system. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. 

I contacted PHH Mortgage Services who took over GMAC loans in 2013, but they did not all loans that were paid off prior to 2013 did not transfer to them but dissolved when GMAC filed for bankruptcy. In fact, no predecessor company has this loan. 

I am now selling my home and was to close on my house tomorrow but the title company is refusing until I can obtain a lien release. I contacted the FDIC who told me to contact your department. She told me that there were funds submitted by GMAC during settlement to handle things like this but perhaps there are other ways you can help me to resolve this situation in a timely fashion as I may loses the opportunity to sell my home to the buyer I have. Please let me know what can be done and if I can get a lien release? 

Warm regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: LEXISNEXIS
State: NY
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:
LEXISNEXIS XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX  XXXX XXXX XXXX XXXX, TEXAS XXXX AXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX LexisNexis has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of LEXISNEXIS that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including LEXISNEXIS could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves LEXISNEXIS never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XXXX BOUGHT A USED XXXX XXXX FOR XXXX 6 YR LOAN MY LOAN MATURED XX/XX/XXXX LEAVING A XXXX. BALANCE I MADE 71 PAYMENTS I WAS FORCED TO DO A MODIFICATION FOR BALANCE OTERWISE THEY WILL REPO MY CAR. I CALLED THEM AND TOLD THEM THE CAR ISNT EVEN WORTH THE AMOUNT / XXXX PLUS 18 % INTREST LEAVING 18 PAYMENTS OF XXXX FOR 18 MONTHS. 
BY THE TIME I AM DONE PAYING OVER XXXX YES, I DEFER SOME PAYMENTS DUE TO WORK EMPLOYMENT AND ILLNESS REASON THIS WRONG I VE CALLED SEVERAL TIME TO SEE IF QUALIFIED FOR RESTITUTION, DEFICIENCY WAVIER OR FORGIVENESS LOAN. THEY REPLY NO I XXXX ON LINE THEY HAVE BIG CLASS ACTION LAW SUIT I EVEN ASK TO HAVE THEM REVIEW MY ACCT FOR POSSIBLE ERRORS THEY REPLIED THEY DID. I HAVE ASKED HOW CAN YOU COME UP WITH THIS FEE / I DIDNT GET A CLEAR ANSWER I AM NOT THE ONLY ONE DEALING WITH SIMLIAR PROBLEMS SANTANDER USE XXXX XXXX XXXX XXXX XXXX TEXAS XXXX PHONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I obtained my credit report from the 3 bureaus. 
I noticed a collection account on my report from LVNV FUNDING better know as Resurgent Capital. I have never applied for a XXXX  XXXX credit card until I received an invite in the mail in XXXX of XXXX. On my report it states I have a charged off account. I sent a request for debt validation on XX/XX/XXXX and requested it be sent within 30 days not a Verification of address or a bill. On XX/XX/XXXX they sent a Verification of my address that i didnt ask for. I called them to get the matter cleared and they told me they had to submit a new dispute, using stall tatics, when I offered to send my fraud report from the FTC. Its now XX/XX/XXXX and the closed account is still on my reports and that's pass the 30 days that is given by the FCRA. I volunteered the fraud report to XXXX XXXX and XXXX i didnt get her last name and they didnt tell me where to send it to. Its also a closed account thats not mine and serves no purpose i want it removed. They violated my rights by not complying within the time frame. I want this account permanently deleted and no further contact with LVNV FUNDING and RESURGENT CAPITAL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: Experian Information Solutions 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 status incorrect

Complaint:
These accounts are unauthorized and unverifiable and is damaging my overall credit profile.

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 2021-09-08
Company: Chime Financial Inc
State: IL
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 received my chime card on XX/XX/21 and activated it XX/XX/21 and put 2 cash deposits. One in the amount of XXXX $ and one for XXXX XXXX XXXX was only able to do XXXX per transaction which is why 2 separate deposits were made. I had direct deposit set up as well but has not been received that way because it takes 2 billing cycles to complete. I used my card 2 times. Once while on vacation at a T-shirt shop for XXXX $ and once to pay my utilities bill about XXXX XXXX At XXXX this XXXX  when trying to withdraw money from an atm I received An email stating my account had been closed. I am now stranded 200 miles from home on what was supposed to be my vacation has turned into a nightmare as I have no access to any of my money with my XXXX young children with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX  balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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:
Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This XXXX XXXX XXXX in the amount of {$110.00} IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Credit Report. I called the automated credit freeze number for Equifax to unfreeze my credit report for banking purposes on XX/XX/2019. The credit report has been frozen for over 18 months and have unfrozen it several times. The automated number freezes after the first selection and does not allow continuation. I called the phone number on the website and the agent told me " the system is unavailable, please call back in one hour ''. I did that with the same response. I tried to log in through the website credit freeze page, received an error and told to call Equifax. The response was the same as above. On XX/XX/2019, I tried the automated line again with the same issue. I contacted the phone number listed for credit freeze and was told " the system is unavailable, please call back in one hour. '' This was 12 hours after the call on XX/XX/XXXX. I tried calling customer service to fix the login on the " XXXX XXXX  XXXX '' system. For some reason, there is an error on my account and it needed to be " elevated '' to be fixed maybe in 5-7 days. I tried going through the credit freeze website once again, received an error and a phone number to which I called and received the same answer as above. This is holding up my banking process and making me unable to continue my business needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRUIST FINANCIAL CORPORATION
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:
There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.

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 2019-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon on XX/XX/2019. Recently I have faxed and mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX there was a credit inquiry done on XXXX by XXXX XXXX and this is fraudulent. I never applied for a loan or a credit card. 

On XX/XX/XXXX there was a credit inquiry done on XXXX by Barclays Bank of Delaware. I never applied for a loan or a credit card.

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