BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ask XXXX and XXXX  to remove these accounts that do not belong to me many times they have yet to do so no proof of these accounts have been presented they are refusing to follow the rules 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 2017-12-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not sure what happened, my mother gave my personal information to a man months ago, who opened different accounts that were not me. I have filed a police report and am trying to dispute the charges from several companies.

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 2017-09-30
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is not helpful in offering a temporary stop of payments due to financial hardship. They state I have no more time to delay payments. Their customer service is horrible and based overseas. This company is the worst to deal with and send harassing letters to my co-signer a day after if my payment is one day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A few weeks ago, we handled the resale of a diamond ring that was initially purchased 32 years ago from us. The customer 's assistant emailed us wiring instructions to an account at XXXXXXXX XXXX The following business day, before we had sent the wire, we received updated email instructions asking us to instead wire to an account at Chase. We proceeded to initiate a wire for {$85000.00} specifying the account name ( which matched our legitimate customer 's name ), and unknowingly the XXXX and account #, that were attached to a fraudulent account that presumably did not match our client 's name. 

A few days later, the customer called inquiring about the status of the wire. After investigating the stream of emails, it was determined that our client 's assistant 's email was penetrated and a bad actor sent the email with the updated wiring instructions. Our email was not penetrated, however our email was spoofed to send the customer 's assistant an email purporting to be from us saying there was a delay in the wire transfer. 

When we notified our contact at Chase, we were told that the account we had wired the funds to had been depleted. Despite our efforts to escalate this matter with Chase, they have said that they do not have any responsibility to verify that the account name matches the XXXX and account number, even though in this case, the fraudulent account was also opened at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase XXXX Credit Card. 
Suddenly they stopped the use of my credit card, They send me a few e-mails to correct the problem, it says chase fraud protection, asking me to recognize some transactions, I do not respond immediately, later message says response is not valid anymore, when I call, many questions and card is blocked, I spoke to several associates and no success, they say someone will call me within 24-48 hours, I got a prepaid phone, If I do not answer they leave a message to call back, I called, the the process is the same, someone needs to call me back, and the process keeps going on, I got tired and ask them to close the account and they can not close the account either, they say someone will call me, I said I can wait 5 minutes I will answer the phone, someone called me today X/XX/2017 and person from chase did not talk at all, so I hanged up. 
this is so frustrating, I do not owe any money to them I just want to close the account, tired of wasting time on calls and dealing with Chase associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Amerihome mortgage on numerous occasions by phone and email regarding our escrow account. We refinanced our home last year and the loan was purchased by Amerihome. The property tax was estimated at closing at {$2600.00} which is twice the actual tax. The taxes paid by Amerihome in XXXX of XXXX were {$1300.00}. Since escrow was overfunded, we received a refund of approximately {$680.00} for XXXX. The problem is they continue to use the {$2600.00} estimate for XXXX, which is inflating the escrow account again. I have provided the appraisal districts estimate of our tax for XXXX which is {$1300.00}. Our county freezes taxes at age XXXX. I have also provided documentation for our appraisal district which shows the XXXX exemption and describes the exemption, proving that our taxes will not increase. Amerihome refuses to reduce the escrow due to collection for our account. To add insult to injury, they INCREASED the escrow payment due to a {$400.00} increase in property insurance, but refuse to decrease amount collected to taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: CITIBANK, N.A.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.

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 2022-03-22
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
This complaint is regarding the XXXX XXXX, and is serviced by UAS XXXX. 

I have been a XXXX XXXX XXXX XXXX XXXX forgiveness program since XXXX, and had received two years of partial loan cancellation through this program for XXXX and XXXX. Since loans were paused during the pandemic, I waited to apply for my last three years of forgiveness until I was advised by UAS to do so this XXXX. My application for the final three years of teacher loan forgiveness was denied. However, the conditions of my employment as an educator have remained unaltered since I began working with XXXX more than four years ago when I first applied and was accepted for cancellation.

This suggests that UAS has changed their express terms and conditions pertaining to the loan forgiveness program. However, I was not put on any reasonable notice of a change in the material terms of the agreement, and the acceptance of my application for multiple years established a reasonable expectation that I would continue to qualify so long as the nature and terms of my employment remained the same. I relied on these reasonable expectations that UAS established through past performance in my financial and career planning decisions.

This situation has deeply affected my mental/emotional health, and I'm not sure what my next steps should be. UAS has also been requesting payments during the pause in federal loan payments, and it is affecting my credit score which will likely disqualify me from a mortgage. I have already submitted a complaint with the company and on studentaid.gov, both of whom will not take any action. 

Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TD BANK US HOLDING COMPANY
State: IL
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:
I 've called and written in to Target Card Services several time in which I have proof of signature of documents sent. I have one Target card account however a duplicate account is appearing on my XXXX credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked Target to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both XXXX and Target and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to Target Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file.
Its stating from Target that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit Target Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting.
I have spoken to several supervisor at Target. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly Target had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at Target is XXXX direct.
<P/><P/>
thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made a check from my account in XXXX XXXX and deposited in my truist account and the blocked the account but the money was already withdraw from the original account while the receiving account is still block even the previous balance before the deposit. The bank does not have a estimated time for the diligence

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 2022-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}

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 2021-05-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday 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 2022-03-22
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was living in an apartment in XXXX XXXX, MI named XXXX apartment with the management of XXXX XXXX for around 5 years. Before I moved out I asked them to give me and inspection and estimate cost of damage that might happened to the apartment, they REFUSED! 
After few month I noticed that I have a debt in a collection agency that is damaging my credit score. Finally I figured out that the apartment complex made some fraudulent bill for the damages that I did not made to the apartment and SEND IT TO A COLLECTION AGENCY WITHOUT CONTACTING ME!!!

The collection agency did the same and did not call, mail or email me to negotiate the debt and after reporting to my credit company and hurting my score send me an email about the bill!

I think that is their strategy to ruin people credit to threaten them for more damage they will make on the credit score to get the money as soon as possible. 

I need both my XXXX apartment ( Run by XXXX XXXX, XXXX, MI ) and collection agency ( NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX, XXXX, GA ) proof that they have contacted me for the debt! 
They also need some proof for the made up bill! 
for example around XXXX bucks just for removing trash! I vacuumed cleaned the apartment! 
also for carpet and other damage they need to show proof and also a good excuse why they did not contact me to negotiate and confirm the bill. 

Another fraudulent fact that you can see is that they send me the bill on XX/XX/2022 after I asked them and after they sold the debt to the collection agency and you can see in the bill that they billed me XXXX USD but they sold the debt tothe collection agency for XXXX USD! 
Just look at the bill and the date on it! after sold it to the collection agency! 
Will also upload some pictures of the apartment is necessary. 

Really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed through XXXX and had {$1000.00} sent to a recipient, claiming by the caller they were the bank and they were helping me reverse the transaction. The recipient email was entered as XXXX and my name was entered into recipient name area. XXXX XXXX was put into the memo line of the transfer. After the money was taken from my account I called my bank fraud department ( wells fargo ) and filed a claim within minutes of this happening, claim number XXXX. I was told the money would be returned to my account within 10 days. The bank provided a provisional credit while they looked into the case. On XX/XX/XXXX the bank took back the provisional credit of {$1000.00} stating the case was closed on XX/XX/XXXX and my claim was denied because I authorized the transaction and the money went to the designated recipient. I called Wells Fargo on XX/XX/XXXX and was told someone would call me back to assist me with reversing the denial. I called again on XX/XX/XXXX after not hearing from the bank and was told someone would be calling within XXXX hours. On XX/XX/XXXX I received an email explaining that my claim was denied because the transaction processed correctly.

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 2017-09-30
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation