BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
I tried to get my " free '' online credit report through XXXX for Equifax. I entered all my identity information correctly. Both times, I got several " challenge '' questions from Equifax and NONE of those challenge questions were valid. In other words, both times, out of four questions, they said something like, " Records indicate you opened an account in XX/XX/2019, which company was it with? '' I opened no accounts in 2019 AND none of the listed companies were companies I do business with at all. After I answered that it was none of them, Equifax then shunted me over to a XXXX  page to write all my identity-theft information onto a piece of paper and MAIL it to them. Now I know from doing this over a year ago, that they never respond. This is a transparent refusal to provide my " free '' credit report. If I signed up for a PAID account, they'd give it to me immediately. I'm not giving those XXXX a PENNY. Ever. And you're not making them give out reports. All three of these XXXX XXXX, Equifax, and XXXX XXXX set up obstacles. XXXX  always complains the website it down. XXXX  always tells you to call them and never answers. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: SYNCHRONY FINANCIAL
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:
XXXXXXXX on XXXX/XXXX/2017 obtained a copy of my credit report without my consent

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 2021-11-02
Company: AMERICAN INTERNET MORTGAGE
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue is in regards to effective loan servicing for a mortgage with Aimloan.com, the mortgage holder. I changed insurance carriers from XXXX to XXXX on the property in question, which is financed through Aimloan.com Inc ( American Internet Mortgage Inc. ). On the XXXX of XX/XX/2021, my insurance company, XXXX issued a refund for the cancelled policy and mailed it to Aimloan.com at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, over 60 days ago from today 's date of XXXX XX/XX/2021. Aimloan.com has updated their information on the new insurance policy/carrier but has not paid them because they have not yet cashed the check. I verified with XXXX that the refund was sent on XXXX XX/XX/2021 and still remains uncashed. It appears that the business operations of Aimloan.com are so slow that it may result in insurance for my property being cancelled because Aimloan.com has failed to pay the insurance carrier the policy premium per the escrow clause of the mortgage agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
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: Investigation took more than 30 days

Complaint:
I have previously disputed this account with you and each time the investigation cambe back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA

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 2021-10-06
Company: Cadence Bank
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
BancorpSouth is denying refund of {$2500.00}. 
Due to the impersonation of an XXXX customer assistant telling XXXX XXXX that he must transfer funds from his BancorpSouth accounts to XXXX, he did so but when this criminal said he must have a copy of XXXX drivers license, XXXX told him this must be a scam and the bank will be notified then XXXX disconnected the phone. 
XXXX immediately called the BancorpSouth info line to report the scam : He reported what had taken place and the BancorpSouth person said the funds were still there and that the same thing had happened to her and that her money was recovered. 
When XXXX followed up in person with the bank the next business day which was a Monday, the bank said the funds were gone and they had him give an affidavit to a bank rep by phone. 
The bank has denied the claim of fraud stating that XXXX gave his permission to transfer funds to zell. The XXXX impersonator repeatedly told XXXX that this method of transfer was required in order for him to do business on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted to reach out to Mohela regarding receiving a refund of {$15000.00} of previously made payments ( after XX/XX/XXXX ) so that my current loan balance becomes {$20000.00} ( I currently owe {$4500.00} ). 

I have requested a refund over a month ago and have not heard anything back, have not received a refund or had my loan balance reinstated, and I have no timeline on when this will happen. 

I have tried calling Mohela for an updated timeline many times, and each time I can not get ahold of a service representative. 

I need {$15000.00} refunded back to me ASAP so that I can get {$20000.00} forgiven when the form becomes available. If it takes much longer, I may be subject to interest payment when the pause ends on XX/XX/XXXX. 

This service is UNNACEPTABLE from Mohela. They refuse to give a timeline on when I will receive my money back, and I have been waiting well over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Today I was contacted by a company/collections agency that says I owe them money. I told the young lady on the phone that I had no idea what she was talking about that I'd never been a customer of theirs. After l hung up, that made me then go check my credit. I saw things on my credit that I have no idea where that stuff came from. I am concerned. I also decided to call the police and FTC thanks to my friend who work at a bank. Please delete all the items that are not mine as soon as you can. These are the items that showed up : 'XXXX XXXX , XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, 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 2021-01-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
Company is reporting a loan that has been paid off.

Company has accessed my report without my written consent.

Company is ruining my reputation.

Company is reporting a false address.

Company is in violation of multiple offenses of the Fair Debt Collection Practices Act.

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 2021-10-06
Company: BARCLAYS BANK DELAWARE
State: NC
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 cash advances

Complaint:
My Issue : Barclay Mastercard does not provide a way for me to find out what my XXXX XXXX XXXX is. And they do not provide me a way to apply payments to the XXXX XXXX XXXX. 

What happened : I accidentally used my Barclay Mastercard at an ATM in town on XX/XX/XXXX. I intended to make a withdraw using my bank debit card. The ATM machine did not indicate in any way that it was a cash advance on my credit card. 
I needed {$1000.00}. and thought I was withdrawing from my checking account. I chose Checking account on the ATM. 
I had to do two withdraws of {$500.00}. each. My original {$1000.00}. withdraw was denied by the ATM. 

I was not notified by the ATM or my credit card company that I had done a Cash Advance. 
I noticed a few days later that there were 2 charges of {$25.00} on XX/XX/XXXX in my credit card transactions. 
I called Barclay Mastercard and they told me that I had done 2 XXXX XXXX of {$500.00} each and they would not refund the two {$25.00} fees. 
I asked them how could I see what my XXXX XXXX balance was so that I could avoid paying their % 24 interest fee. 
They told me that only they could see the balance and that I would have to pay it off in full to avoid any interest fees on the XXXX XXXX. 
I paid an additional amount ( {$1200.00} ) in addition to my auto payment on XXXX XXXX, and had to hope that it would be applied to my XXXX XXXX balance. There was no way for me to apply the extra payment to my XXXX XXXX XXXX. 

I then called Barclay back on XX/XX/XXXX to ask how I could see if I had a XXXX XXXX balance. 
I was told I would not be able to see my XXXX XXXX balance and I would just have to wait for my next statement to see if any fees were charged. 
And once the fees were charged, they would not be reimbursed because the terms were in my customer agreement when I signed up for the credit card. 
The terms for a cash advance ( fees and interest rate ) are in the customer agreement, but the fact that I can't see the balance is not. 
I asked if I could disable XXXX XXXX  on my card, they told me I could not. 

Since the credit card company is hiding my XXXX XXXX  Transactions and Balance, then they should not be able to charge me interest or fees on it.

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 2022-09-28
Company: PNC Bank N.A.
State: AL
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:
According to Title 15USC 1611 PNC Bank did deny me credit with my Social Security Number used in Application Process in this Consumer transaction discriminating against my unlimited full faith and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have a TJX Reward masgtercard thru Synchony Bank for several year Alway pay my balance fully each month. My fico is XXXX Last month XXXX I receive my bill an realized that i didn ; t pay the month before so i had a late fee and a new balance for this month totallly aprox XXXX. I realized that I paid my XXXX  card by mistake ( I pay all my cards thru bill pay at XXXX XXXX XXXX and XXXX  was on top of TJX  card so you see why i made this error ) I immediately on XXXX I call TJM  card or Synchony Bank, I told them i would make the XXXX immediately and they saidd they would remove the late charge. I paid on XXXX {$18000.00}, XXXX in nstead of {$1800.00} by mistake, another error on me leaving a credit of {>= $1,000,000} at Synchony bank. they told me they could give me my money until XXXX XXXX. I called today and they closed my card for for High risk. They srre still not clear on when I anm getting my overpayment back. I have never held a balance or have been late. They still havn '' t return my credit. My concern is that they are using high risk as a reason for closing my card and contactingg any of the bureaus with this information, Maybe because i dont hold balances, i really dont know. When I ask to a supervsor, there was none avasilable. 
At this point I want my credit refunded immediately, proof that there are no derogatories on my credit and a clear reason my card was canceled. 

Appreciated

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 2017-12-13
Company: FIRST NATIONAL BANK OF OMAHA
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.

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 2021-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in my account third party. My account was closed and my balance was XXXX after chase took what i owed from my deposit. They are now holding my funds and will not give them to me. Check was deposited on XX/XX/XXXX XXXX. The bank is holding XXXX of my money..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  HAS NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX   ACTS XXXX, ACT # XXXX AND ACT # XXXX DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM XXXX  HAS ALLOWED THESE TO STAY ON 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 non-monetary relief
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had trouble getting my IBR application resolved since XX/XX/XXXX. I have had repeated contact with Navient regarding my account XXXX. I was on an in school deferment until the first of this year. After repeated faxes and attempts to get some resolution on my account, my account is now saying its 273 days behind. Navient 's excuse of not resolving my account was that it was being researched and they did not receive my income verification. I last spoke to them and it was supposed to be resolved as the month of XX/XX/XXXX. I work a XXXX job which I have been laid off from and I am XXXX XXXX. My income averages {$25000.00} a year and my student loans are in excess of 200K. They were faxed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with 22 pages reflecting my XX/XX/XXXX tax return which is my only proof of income. I do not understand how this agency can not get this right. They are not my only student loan servicer. I had a similar issue with XXXX XXXX and they resolved the matter just fine. Please advise. I do not know what to do. Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite XXXX  written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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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 2019-09-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/19 I paid the last payment of the loan. On or about XX/XX/19 I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/19 therefore interest owed was {$8.00} which was due XX/XX/19. I paid the requested amount of {$8.00} on XX/XX/19. The loan Co. did placed the payment for XXXX XXXX XXXX ) and did not credited it for XXXX XXXX XXXX ). The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: NV
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  has not updated my XXXX XXXX credit card balance as XXXX for 3 months now

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TRANSUNION shows I have a collection on my credit report. The debt collection company is XXXX XXXX XXXX ( original creditor is XXXX XXXX XXXX ) in the amount of {$590.00}. 

The account was PAID IN FULL on XX/XX/2019. The amount paid was {$590.00} and the confirmation number received for the payment is XXXX. 

A dispute was filed with with Transunion via XXXX XXXX on XX/XX/2019 in an attempt to correct the erroneous credit report information. The File Identification Number for the dispute is XXXX. 

As of XX/XX/2019, Transunion has not yet responded to the dispute.

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 2023-02-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied and was granted a construction loan with Wachovia ( now Wells Fargo ) The cabin was being finished with the construction to perm loan and I was notified that XXXX XXXX was not accepting any construction loans and the loan was accelerated. 
I spoke with the construction department and hired an attorney but the loan was accelerated and the cabin was foreclosed.

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