BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX several times regarding my Stand Alone 50 internet service not working. After several telephone calls to XXXX XXXX XXXX and several visits to my house by an XXXX XXXX XXXX service tech over the course of two months XXXX XXXX XXXX was unable to get the service to work correctly. 

On or around XX/XX/XXXX, the XXXX XXXX XXXX service tech was again at my house and unable to get the service to work properly. He advised me that in order to get the XXXX XXXX XXXX service to work I needed to switch to fiber optic service. I agreed to take the fiber optic service for a year. The fiber optic service was supposed to be a speed of 300 Mbps. Over the next few weeks, the speed rarely exceeded 25 mbps. I made several more telephone calls to XXXX XXXX XXXX regarding its failure to provide the contracted for service. 

On or around XX/XX/XXXX, when XXXX XXXX XXXX was still not able to provide the contracted service I canceled and switched to XXXX. XXXX XXXX XXXX credited my account for all service fees during the time the service was broken. 

On XX/XX/XXXX, I received a Final Notice from XXXX XXXX XXXX stating that I owed an early termination fee of {$130.00}. I called XXXX XXXX XXXX at XXXX XXXX and spoke with XXXX ( sp? ). I advised XXXX that XXXX XXXX XXXX never provided the contracted for service and therefore theres no termination fee. XXXX advised that as the amount of billing credit was over his limit, he would need to get a supervisors approval. I was informed that someone would be calling me in the next few days. No one ever called. 

On XX/XX/XXXX, I received an email from a debt collection agency, MRS Associates. I responded to the email that XXXX XXXX XXXX has failed to inform them that this is a disputed debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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:
I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
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: Personal information incorrect

Complaint:
I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX  THEY HAD REMOVED ERRONEOUSLY WHEN IN XXXX  I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN XXXX AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN XXXX, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: CITIBANK, N.A.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed identity theft on this account and submitted to the Federal Trade Commission and this debt collector CITI Bank has accepted the documentation from FTC and assured me this account was erased from my credit report. This account is not mine and it has NOT been removed from my credit report has promised by CITI Bank 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
Consumer complaint received 2021-10-21
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is serviced by Freedom Mortgage, and has been for several years. They require both property taxes and homeowner 's insurance to be escrowed. I have dutifully paid in full, and on time, 100 % of the time. 

Freedom Mortgage has failed to pay the homeowners insurance bill. It was billed to them on XXXX XX/XX/2021, it has not been paid. I called them asking them to pay it in early XXXX, it has still not been paid. I have now received notice that the insurance has lapsed.

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have the XXXXXXXX XXXX XXXX XXXX and the Hilton Honor XXXX  card with AMEX. 
On the XXXX XXXX XXXX XXXX, I made a purchase at a XXXX XXXX  using this card and according to AMEX advised this card earn XXXX points for purchases at a XXXX XXXX and XXXX is a XXXX brand but I did not earn the XXXX points like it advertised also did not earn the XXXX statement credit for this purchase. Another purchase later than the XXXX one already showed up XXXX points and the statement credit. I spoke to an AMEX agent and the agent only said I should wait 8-12 weeks for the statement credit but did not answer why a later one already showed up the statement credit and all the agent can do was open an inquiry but because it was labeled as inquiry the AMEX agent said there is no time frame for inquiry case and it could take as long as possible to solve. 
On the XXXX XXXX XXXX card, I have a purchase I made at a XXXX hotel but it did not earn the XXXX points like AMEX advertised for purchase made at a XXXX XXXX. A case was opened earlier and I was told to wait XXXX weeks for an answer so I came back 7 weeks after and an agent told me that I was misinformed there is no timeframe for this case and it could also take as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I responded to email offers from CAPITAL ONE BANK. The emails offered up to {$35000.00} to purchase a car. Then, I received promotional mailers from a local car dealer. That dealer eventually made me believe that I was purchasing a car through a loan by CAPITAL ONE, which was false. I signed a RETAIL INSTALMENT SALES CONTRACT ( " rRISC '' ), which is not a loan agreement. I never received any money from CAPITAL ONE. I never received any advancement of money from CAPITAL ONE. But, CAPITAL ONE relentlessly demands that I confess that I owe CAPITAL ONE for a loan originally for {$17000.00}, but now CAPITAL ONE is reporting to the credit bureaus that I owe over {$20000.00}. It appears that CAPITAL ONE gave the dealer a loan to finance the dealer 's purchase of the car by paying off the {$6000.00} original lien, and then the dealer assigned the RISC to CAPITAL ONE as security for that loan. The car, a XXXX XXXX XXXX XXXX, was delivered to my driveway by dealer personnel that same day. The car had a bad engine that was subject to a recall by the manufacturer and a flat tire. The car is also subject to a subsequent recalls including because of the gasoline pipes in the engine therefore I have not driven it anywhere. I have not received a valid TITLE from the New Jersey XXXX XXXX XXXX ( " XXXX '' ). In fact, the most recent XXXX report on the car ( attached ) does not show that transaction of XX/XX/XXXX. It only shows that a new owner acquired a valid TITLE on XX/XX/XXXX, which " new owner '' is the dealer that allegedly sold me the car. NO OTHER " NEW OWNER '' EXISTS IN THE XXXX REPORT NOR AT THE XXXX. Apparently, the dealer reported the transaction to the XXXX s a lease, not as a purchase. The only assignment of a valid title concerning the car was signed by the dealer on XX/XX/XXXX as purchaser. I filed a lawsuit in Federal District for the District of New Jersey CASE XXXX. The arbitrator nor the district court judge wants to enforce the law. Instead, they are disrespecting the law and blaming and threatening me for filing the lawsuit allegedly in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, This is regarding two current mortgages that I have with Bank of America. I have made several payments that have not been applied to my account. I have attempted since XX/XX/XXXX to get all payments that I have made be applied to my mortgage to no avail. I have been on hold in excess of 3 hours and then disconnected. I have all documentation showing payments that have been made. If someone could contact me I would greatly appreciate it. 
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 2020-04-29
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient Currently I am under an income driven repayment plan The established monthly fee is substracted automatically from account every XXXX of the month. 
Several times a year ( XX/XX/2020 ) my payment was only to pay interest no principal. According to Navient my payment was not ontime ( after my complain, I received a " copy-paste '' letter saying that ) Currently I have paid almost XXXX dollar of my loan and the balance remains unchanged ( almost XXXX ). I am struggling to make this monthly payment, but I rather make an extra effort to avoid interest to buildup, but I feel this extra effort is not worth it. I feel I am being robbed every month when my payment is deducted. 
Is incredible that paying a student loan from navient is more expensive that paying for luxury item on a retail store using the store credit card. 
Everytime I call Navient, I am wrong and they are correct. 

On every XXXX, always verify the amortization of each payment. When I see XXXX to principal and XXXX to interest my blood begins to boil. Then calling Navient and/or writing an email feels like when your parents are grounding you for something you didnt do. How unfair Navient should be here to help us, they are administering money from tax payer XXXX my money ). Its a shame Thanks PS in picture attached you will see there is no payment during XXXX My IDR plan had to be renewed. 
I received an email, followed every instruction then received a confirmation email that everything was on order, later I received a confirmation letter. ( everything was OK ) When I received my bank statement I noticed there was no payment for Navient on XXXX, I also started receiving threats from navient that my account was due and was going to be reported. 
I called Navient immediately and they told me that the process I made online was not for the private loan, that the private loan IDR is only by phone ( i didnt know that ) As you can see XXXX fee was only to pay interest and XXXX fee was only to pay interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final  classes  for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had/have a student loan with Navient as the holder. I filed for bankruptcy in 2009 and tried to get them to help me lower my monthly payments at that time and multiple times after that only to be told my only option was to go into forbearance. Well a loan that was around {$15000.00} has now progressed into a loan that is over {$28000.00}. I begged to get the monthly payment lowered until I could pay more but was told it was not possible. I was willling to make payments but they instead just put me off every time and I accrued a ton of interest that ruined me. This is unacceptable for any company to benefit from someone else 's downfall. Please help me fix or make them accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Experian Information Solutions 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:
I have attempted on several occasions to dispute an account that was opened fraudulently even with proof attached they still believe the account was not opened fraudulently. I have confirmation from XXXX confirming that I did not open the 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 non-monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: WI
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft JPMCB XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Dovenmuehle Mortgage , Inc . 

Mortgage closed XX/XX/XXXX ... Still showing open as of XX/XX/XXXX I have contacted the company via their account portal messaging, only to be ignored. Which is perfectly normal for such an awful company. Looking back on the last messages I sent them when I was a customer, it took 20+ days to get a response. On one massage it took over 6 weeks for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: STERLING JEWELERS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Before I was Hospitalized, I purchased some jewelry Kay Jewelers/Genesis. The attendant explain that they have a out of work policy for a extra $ 35 monthly if you are unable to work. I purchased it. I Then by doctors order, I had to go in the hospital for my XXXX XXXX XXXX XXXX XXXX. Then affection set in, and had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then contacted the company, and they told me they do not handle that. They said a company called XXXX handles claims for them. After getting my doctor that was having me to stay in the hospital at Washington XXXX XXXX to fill out the paper work they sent me for a couple of months, now say they would no longer handle the claims anymore. I had to contact the new company named XXXX XXXX, out of Florida. During all the digging to get in touch with the new claim people, I was never informed from Kay Jeweler about dealing with third party company 's. Giving me that information when I made my purchase, or helped a paying customer with the transformation of companies, maybe the would have got the payment from the companies on the payment date. The put late payments on my credit report with all three credit companies. I'm trying to get in a ready set up, XXXX house, and the lender says this has to come off to move forward. I'm asking XXXX to please have this removed, because this is Deception the did to me.I contact them and ask for the origanal copy for what I purchased, and they sent me something saying they only pay up to {$5000.00}, and I was over, and they will not be paying anymore. If I was told all this at the beginning, maybe I would have not signed up. If no action is taken into removing this from my report, Being XXXX, I'm offered many different lawyers. I'm not going away..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied to open a small business checking account with TD Bank in XX/XX/2021. Application Confirmation Number was XXXX. On XX/XX/2021, I received a text thanking me for my application and informing me that TD Bank was " unable to open a business deposit account at this time ''. 

I think TD owes the customer a more precise explanation as to why the customer is being, essentially, rejected, in lieu of the customary, pointless apology concerning 'inconvenience '.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Thaxton Investment Corporation
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account via XXXX. They said it was closed and done. But now I know that I succeeded closed my saving account but there was XXXX  left on my checking so they dont close my account. I thought lt was closed so i ignore anything else. Few months after, now they said i owned money because my checking was not closed so there is maintenance fee. Now the account is closed and they can't do anything at all. And keep saying its my fault. Thats it. Nothing they can do. And i have to pay for 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 2018-11-21
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called to dispute a transaction and was given a reference # in the mean time I was getting charged numerous overdraft fees. In that time I had {$200.00} + credited to my account but instead Wells Fargo deducted it from my account. No action was token by them and closed 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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, I have recently discovered that there is unauthorized information in my name being used on my credit report. I do not know where these inquiries came from all on the same date. I have a security lock on my credit report and I was not alerted to this information being authorized. I am requesting that these be deleted from my credit report. I have reported this information to the federal trade commission, I will attached a copy of this report reflecting all items that were found to be unauthorized. Please open up and investigate this matter and remove the unauthorized items as soon as possible.

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