BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MN XXXX has reported a Collection account in the amount of {$1100.00} showing past due as of XX/XX/2018 on my credit report. I disputed this account with the credit bureau and XXXX XXXX XXXX XXXX   refuses to remove it from my credit report. I called XXXX XXXX XXXX XXXX   to advise the debt belongs to my son at the same address however with a different social security number, I offered my my social security number or my son 's social security number for verification and they stated it wouldn't matter because they don't have a social security number on file to verify. My son 's age is XXXX   and my age is XXXX with different social security numbers. I have no other information to give them for verification and really don't think I should have to waste more time on this. This is egregious and I want this debt removed from my credit report immediately.

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 2021-02-12
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account : LOCKHART, MORRIS & MONT # XXXX I was unware of this debt and did not have the opportunity to dispute. Please provide validation of debt and method verification with physical PROOF. 

Please provide certified mail receipt if you believe I was aware of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX  XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. 
I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. 
Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a personal LOC on my primary residence with Chase. The loan is variable and the interest rate changes when the prime rate changes. The rate just changed at the end of XXXX, 2019. Chase is saying that they change the rates on the LOC based on the " Published Rate '' on the last day of the month. Since the rate changed on the XXXX, it couldn't be published in the XXXX until XX/XX/2019. Because of that interpretation of their variable rate loan products, they are refusing to lower the interest that they charge to me for 12 days of XXXX. I spoke to them about this, but they are adamant in refusing to correct the charges. I have two letters from them that I attached to this complaint. The difference in the interest rate calculations is about {$200.00}, if I am correct. I believe that since the rate changed in XXXX, any interest charged in XXXX should reflect the new rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Movement Mortgage LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing a complaint against Movement Mortgage for the financial situation outside of my control. I had a change in employment status at my previous employer at the end of last year. On XX/XX/XXXX, I attempted to work with Movement by requesting for temporary forbearance for 3 months in accordance to the Cares Act mortgage forbearance program. At the time, I recently secured employment and would start within 2 weeks. 


I was pushed away from this option by customer services reps in the loss mitigation department, via refusing to discuss the option and instead sent a form in the mail that required me to fill out personal information to evaluate the " assistance '' they would offer me. This was initiated by the loss mitigation support via email correspondence. 

This lead ultimately to a discussion on XX/XX/XXXX with another customer representative claiming that I need to pay the full amount {$6200.00}. They refused to accept anything less and refused to offer the forbearance as mentioned earlier. 

I withdrew most of the fund in my XXXX with previous employer to bring the account current status.I sent a check in the amount of {$6300.00} to their XXXX XXXX XXXX XXXX, GA that day. I request that their loss mitigation support to inform me of the arrival of the check. I heard nothing else from that agent. 

I was told by the agent that each month the balance would continue to increase and if the current balance amount was received by end of the month any checks wouldn't be accepted. This deeply bothered me as I simply desired for movement mortgage to get the account paid up as soon as I possible could. 

On the XX/XX/31, I called to make a phone payment in lieu with check in the mail. I informed the agent to simply return the check to me since they have done this to me in the past. I was told this was Ok and they comply with this request. 

On XXXX & XXXX noticed on my XXXX checking account that the check was cashed anyway and phone payment in the amount of {$6200.00}. This over drafted my account by {$6000.00}. I called their customer support on XXXX to resolve this. I told them that due to their actions, I don't have the funds to cover my weekly living expenses ( i.e. food, other bills ). I was told that they will send a refund check minus XXXX 's payment of {$1400.00} for the amount of approximately {$4800.00}. 

However to date, I have received no such check in the mail. I called XX/XX/XXXX to make XXXX 's payment and I was informed that the account is still showing approximately {$7000.00} balance which includes XXXX 's mortgage balance. I requested that since I haven't received the check via mail can they simply apply it to the balance. 

Over the course of most of the last 4 weeks, I have been on a phone call at least once a week with various agents that have attempted to resolve the issue on their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2018 I was scammed using XXXX. I used XXXX  because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX  dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into a Citibank branch to withdraw some money and was told I had a negative balance, my account had been locked and my XX/XX/XXXX Social Security check had been seized to pay down the balance. My ss check is a direct deposit. 

I have tried working with the branch managers in two branches to no avail. They just restate the problem. My problem, of course, is that I have NO MONEY. that ss check is my monthly paycheck and I am a senior citizen with no money ... O feel as if I have been ROBBED! 

I began emailing the CEO OF citibank to explain not only that her bank is out of compliance with a Federal rule prohibiting the seizure of ss checks that have been direct deposited but also every single person at Citibank has not had a clue what to do and tells me there's nothing they can do! I've tried to explain what Citi has done is illegal and I need my money back to live and the branch managers all look at me like deer in the headlights. One even said to me, " You'll figure it out! '' The CEO forwarded my email to an Executive Response Unit who read out of the CLIENT MANUAL like a ROBOT! 

i asked him if he knew about the rule that says in part that direct deposited ss checks are protected and the bank can not seize them! 

He told me that he was reading out of Citi 's CLIENT MANUAL and asked if I would like a copy!!! I emailed the CEO to close the loop so far and that her bank is out of compliance! 

Haven't heard peep since! 

I need help. Citibank is terrible. I have changed my direct deposit designation to Social Security 's bank ( A XXXX XXXX Card ). I started with that when I first got ss and I wish I had never heard the name " Citibank. '' They are dishonest and rude!

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 2018-04-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Basically this institution ( the XXXXXXXX XXXX XXXX XXXXXXXX ) falsely misleads students into the thought that this program can be completed in three years. With the very challenging schedule and work behind it, I was not able to complete the school. I got to a point where I couldnt progress any further. The Institution is no longer in business and there are multiple lawsuits out there claiming the same as I am. I dont feel that it is fair that I have to pay all or a portion of this $ XXXX loan when I was misled. Not to mention, if i decided to try this course again, I wouldnt be able to because they are no longer in business. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please be advised I have requested validation { not verification } of an item reported by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

Savit Collection Agency did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried on various occasions to have information in my report investigated as per the rules and laws of the FCRA. The Credit bureau have failed to and violated my right when it come to reporting information that is verifiable and accurate. They failed to provide me with names date and method of verification which allows them to keep reporting information on my report. An investigation for the purpose of the law and for accuracy needs to be handle with people and not the XXXX XXXX system. That information needs to be forwarded to me for further investigation.My last attempt was on XX/XX/2019 when i sent supporting documentation from original creditor which conflicts how they say investigation was verified.

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 2020-12-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
During the 1st week of XX/XX/2020 Synchrony Bank started calling XXXX a number that is not listed on my account. This was in an attempt to collect a debt that I was told had deferred payments for Covid and was told not to resume any payments until XXXX of 2020. The debt collector called and called and called and spoke to my mother XXXX XXXX my mom was not aware of a debt and the skip tracer was trying to probe. The asked for my moms social etc. During the call they validated my mother did not have a debt but they told her XXXX did. My mother does not have any authorization on any of my accounts and should not know that any account was delinquent. The person proceeded to tell her I was delinquent and by how much and that I needed to call them ASAP. Upon this my mother called me concerned. She sent me a pic of the call back number to call. I called the number and asked why was my rights violated as a consumer this happened around XX/XX/XXXX the lady on the phone was rude didn't answer any questions and didn't offer any help. She claimed that the XXXX number was not on my account yet my mother had all of my detailed information This is a clear violation of debt collection rules. I told this person this on the phone asked for a supervisor and she placed me on mute and never came back to the phone. Till this date I never received a phone call to discuss. At this point my only recourse is to sue for this situation. The number I called them from is XXXX this is for Synchrony Bank Discount Tire Credit Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: NCC Business Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
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: Account status incorrect

Complaint:
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 2019-01-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Apparently I have a 10 year old " freeze '' on my credit file from 2009 that I just found out about when it negatively impacted my recently opened XXXX account- after it was already approved and installed. Now, suddenly I am notified that because they can not " locate '' a credit file, I will be charged a deposit and higher rates than initially discussed and agreed upon. After more than three hours and several Experian representatives, Experian can not verify my identity and because I do not know the 10 digit PIN ( from 10 years ago ) and I have moved ( so they could only send the PIN to my old address at the time of the initial freeze ). Then they could not access any security questions to verify my ID over the phone, and the upload feature online does not work, repeatedly having technical issues and deleting my documents. So, NOW I must send a copy of current utilities ( but NOT the lease, when we moved in just two weeks ago ), my state-issued driver 's license, my passport, and my social security card just to request that a new PIN be mailed in 8-10 business days ( on top of the 3-5 for processing ). This will take weeks to complete. However, over the past several years, I have opened numerous credit cards, purchased multiple cars, and more ... all under this supposed " freeze. '' I was told about it in XXXX and immediately had it lifted without any PIN, so I thought the nightmare was over - but somehow it only worked temporarily and now they basically can not explain why it was not lifted permanently or why they can not access the questions or why I was able to go nearly ten years without even being aware of this freeze. Nobody can answer anything and they all just treated me like trash. It is a scam. Yet Experian has control over nearly every aspect of our lives. I have NEVER had to pay a deposit for utilities, or anything else until now and it is not because of poor credit, but their poor procedures and lack of caring about the customers they are hurting.

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