BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: Peoples Commerce Inc
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In the XX/XX/2014 I brought a van from XXXX XXXX and the van broke down and kept breaking down and the XXXX XXXX company did not resolve it so I gave them the van back. They are still trying to charge me for the van till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to my original Complaint XXXX ineptly handled and in fact outrageous handling of these issues and simply putting me through a lot of just not necessary expense and aggravation and still they failed to do their job properly. 

THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely ridiculous and outrageous the way Wells Fargo dealt with this issue for years, and absolutely ridiculous how they are allowed to get away with this. They filed a lien release after many years according to them, this I now find to be incorrect as well. 

I had to go ahead and hire a Title Company personally because of Wells Fargos failure to deal with these issues in a proper manner to actually get me these Lien Releases in the last week. 

I now find out these were all released and Wells Fargo instead of doing this properly like the Title Company did. They have Clouded my Title by Filing another not necessary Lien Release. These folks should be held accountable for this turmoil they have caused in peoples lives. 

I have asked them to provide their agent of service in California this they have not done this, as I intend to take this matter to small Claims court in California to recover costs and the impact this has had on my life to date and continuing. by their failure to do the job properly, and file more and indeed improper documents against my home. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received an email from I received an email from Citizens Bank on XX/XX/23 stating that my real estate taxes to XXXX XXXX XXXX were paid from my escrow account. The email stated that the transaction was processed on XX/XX/23 in the amount of {$1800.00}. 

After researching why the taxes were still showing due, I located on my Citizens Bank online account the address to where the payment of taxes was sent. The address that Citizens Bank sent my tax payment is incorrect. Specifically, the zip code is incorrect. 

I subsequently contacted the mortgage department at Citizens Bank that XXXX  real estate tax payments. I explained to them the error and I was advised that they would research the matter and that I should check back on XX/XX/XXXX for an update. The representative went on to say that I could also make the payment myself. I was flabbergasted with this advice as I have my taxes paid through escrow. This basically would mean XXXX paying twice because of Citizens error. 

In addition, the tax bill from XXXX XXXX XXXX is sent out by XX/XX/XXXX and due on XX/XX/XXXX. I also mentioned this to the representative and I was told that this is common practice. Ive had many mortgages with major banks such as XXXX XXXX XXXX and XXXX, and they always paid my taxes when they were due, and not after the due date. Therefore, I doubt that this is common practice and I question the legality of this practice by Citizens. 

As of this writing, my taxes with XXXX XXXX XXXX are still showing due. Im requesting that the following be done by Citizens : 1. Correct the zip code error and reissue tax payment forthwith as taxes will be delinquent on XX/XX/XXXX. 

XXXX. Allow me in the future to pay the real estate taxes myself and not have them escrowed. And adjust my mortgage payment to reflect not having taxes escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My name is XXXX XXXX. Back in XXXX I was told that if I wanted to get promoted I needed to finish my degree. I went back to school for 4 semesters XXXX and XXXX. I graduated in XX/XX/XXXX, right before one of the biggest recessions ever. I was only able to get work as a temp, outside my field. 

Yet, I began repayment of both my federal and private loans in XXXX. I paid atotal of {$800.00} a month for 12 years. 

My principal balance is the same as the day I took the loans out in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX Balance XXXX {$120.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The  individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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 2023-08-26
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Sunday XX/XX/2023 I accepted the offer to turn in an application for credit at XXXX XXXX XXXX Upon doing so it was brought to my attention that some of my personal information connected to my phone number was incorrect. I was satisfied to the best of my knowledge that this info had been corrected. On XX/XX/XXXX ok received an email addressing myself with a different name. This happened again on XX/XX/XXXX. I contacted the company about the issue after the first email. I am submitting this complaint to replace complaint number 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
These accounts are not mine. 
XXXXXXXX XXXX Account number XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit report on all three bureaus and this is not mine I have been disputing this since XX/XX/2020 with the bureaus and the courts the courts have tolkd me that they can not verify these thru the courts they are verifying by public record!!! 

Account Name : US BKPT CT CA XXXX XXXX Account Number : XXXX Reason : This is not my account

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 2019-03-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I received correspondence from U.S. Dept of the Treasury that my my tax returned in the amount of {$3900.00} was intercepted by Navient - C/O XXXX XXXX Higher XXXX XXXX XXXX On XX/XX/XXXX I immediately contact the number listed ( XXXX ) XXXX. Since then I have spoken to several individuals who can't seem to understand why my income tax return was intercepted. This student loan was first taken out in XXXX and paid in full in XXXX. Since then I have been bullied and harassed by different collection agencies such as ( XXXX XXXX ; Navient ; XXXX and XXXX XXXX Higher XXXX XXXX. On several occasion I have requested from Navient and XXXX XXXX to provide me with a copy of the promissory note that I supposedly agreeing to for a loan consolidation. I have since then requested proof of this loan, the amount owed, the so called promissory note and have not yet received a response to my request. In XXXX they again intercepted my Tax Return which I argued and due to facing financial hardship requested they release my Tax Return. Navient pressured me into agreeing to enter into a forbearance in order to release my Tax Return. Also, as they so called it " place my loan on good standings until this loan was further investigated. Since XXXX I have received no correspondence, my numerous telephone calls have been dead ends. No documents have been provided to the legality of this so called loan. I am still waiting on Navient 's response. A class action law suit was filed against XXXX XXXX for which I received a post card and instructions that I would be entitled to reimbursement of part or all of my loan due to over-payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: NH
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:
I have been a credit card ( master card, Citi ) customer since XXXX. I discovered that my credit card account had been closed on XX/XX/XXXX and called the company. They did not give a reason and said I would receive a letter in the mail. I received a letter on XX/XX/XXXX stating the card has been closed for late or returned payments. There were never any late payments. There were a few online returned payments due to a routing number error but it was paid through another bank account successfully. There was never any overdue balance. I received an email on XX/XX/XXXX from the company that I had XXXX thank you rewards points inviting me to redeem those points. I have been saving and accumulating these thank you points to redeem for a particular purchase. However, there was no way to access them online from the account. I reached out to a Citi supervisor on XX/XX/XXXX who said that he will arrange to access the thank you points and advised to call this week to check on details on how to access. However, in today 's call ( XX/XX/XXXX ) another supervisor said that the points are forfeited and there is nothing they can do at this time. I would like to submit that the credit card closure was without adequate reason and the forfeiture of the rewards points is essentially a theft by the company. I request you to have the company return the points or cash equivalent.

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 2022-12-13
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America had credited my account {$18000.00} which was temporary while they investigated the unauthorized use of my XXXX debit card. Upon their completion of the investigation I received a letter from BofA that stated the Temporary Credit had now been made permanent.

Everything was good with my XXXX debit card until XXXX did a system update which caused my XXXX debit card account to temporary close for 48 hrs. Once the account and card were reopened my account of Negative. I contacted XXXX and was told on their end my account is fine and they dont see any negative balance, so i was told to contact XXXX XXXX because it was something on there end. I finally got ahold of the XXXX A claims department and was told that because of XXXX temporary closing my account that it triggered something in their system to pull that credit that was made permanent back out of my account and thats why the account is now negative. I was told that I would need to file a claim and that within in 10 business days my account would be fixed. This was on XX/XX/2020. 10 business days pass and still my account is negative and I have no access to any of my funds that were on the card and any new deposits being made from XXXX to my account either. So I called BofA claims department again and this time I was told that I needed to file an escladed claim and to wait another week, I have done that and my account still is not fixed and I still have no access to any money.

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 2023-12-02
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I apply for an Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where II apply for a Amazon credit card and went through a process to where I had to do a XXXX minute video of my face online through that process. I also had to photograph the front and back of my driver license and it wanted to know the state where I receive my driver license, and then I had to process all of that and send it with that. I received a passcode and a phone number to call when I called that number the person on the other end requested my passcode that I received after taking the photograph and my phone number and home address, and my Social Security number, they put me on hold and came back online and said I was approved for a Amazon secured card and I asked what does that mean and what is that because I applied for Amazon credit card they said I wasnt approved for Amazon credit card because of my credit history, so therefore, I was approved for a Amazon secured card with a passcode giving to me for transaction proval then I was ask or was told too deposit {$100.00} as of today as we speak on that card that I was approved of. I said I didnt have it today maybe on the first of next month they didnt approve of that they sent if I did not have the XXXX XXXX today or next month they will have to cancel I said with that being said, go ahead and cancel everything delete all my personal information and etc.. I reporting this because I felt like I dont know if they were legit or illegal but they have all my information and I wanted to report that just in case Technicality to follow behind this transaction

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 2022-04-29
Company: C.Tech Collections, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I wrote to the company that it was a bill coding error, they fixed it on their end and resubmitted it to the insurance company. Then they let me know there was no patient responsibility. I checked my XXXX XXXX XXXX  account and there is XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hi, I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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