BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: MA
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 checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no  longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost XXXX XXXX records including email and XXXX addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were XXXX XXXX unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX XXXX Equifax and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX XXXX XXXX to make them aware of the Identity Theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and innacurate : 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 2018-07-06
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint against PNC this year and I still have not received an official response from them regarding my valid claim that I filed for unauthorized use of my debit card via my XXXX account by hackers in the XXXX. I received an official response from XXXX today XX/XX/2018 stating that 2 Credits from my claim were issued on XX/XX/2018 for $ XXXX and XX/XX/2018 for $ XXXX. Yet none of those credits are showing in my PNC checking account. Nor has PNC officials have addressed my current open complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations. 
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties. 

Please refer to settlement and provide requested information. 
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert about a new hard inquiry added to my credit report but I haven't applied for anything. Please remove this fraudulent hard inquiry from my credit report XXXX XX/XX/2018 2018

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 2020-08-24
Company: EQUIFAX, INC.
State: VT
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:
In checking my credit report I note that a hard inquiry was reported to Equifax on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX -- XXXX. I have spent countless hours on the phone with XXXX XXXX XXXX -- 6 different departments -- all of whom say they have no record of a credit inquiry. They keep telling me to call Equifax. I did submit a dispute with Equifax and their response was that the inquiry is a factual record of file access. I further note that this same issue has been reported to XXXX XXXX XXXX since XXXX ; there are many references on the internet to that effect. Each department at XXXX XXXX XXXX refers me to other departments all of whom refer back to departments that I've already spoken with. So, I'm in the circle of illogic where Equifax is reporting a hard inquiry by a company that says they didn't do it. And each keeps telling me to call the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: CA
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:
To whom it may be concerned, I recently found a lot of my Citi Thankyou points missing. I was appalled to find no transaction history about the missing points through my Citi online account. When I call Citi, I was told by the representative that XXXX Thankyou points were forfeited on XX/XX/XXXX. It was due to the closure of my Citi prestige card I made on XX/XX/XXXX. Actually the Citi prestige card was closed through an automated system and it was done right away without any warning. Although Citi claimed that they notified me by letter that the Thankyou points earned through a closed card would be forfeited if I didn't move or use the points within two months, I was easily misled by Citi 's unclear explanation.

My Thankyou reward was sponsored by both of my XXXX XXXX XXXX access card and the prestige card. When the prestige card is closed, the Thankyou reward account is still valid since XXXX XXXX XXXX card is still open. Citi didn't give explicit statement for forfeiting points in this situation. In fact, the common practices in the industry such as XXXX XXXX 's membership rewards and XXXX 's ultimate rewards are all your reward points are safe as long as the reward account is open. Meanwhile, Citi didn't make the points earning through different Citi cards separated. It didn't show my missing XXXX points are earned through the Citi prestige card and the rest are earned through XXXX XXXX XXXX card. This also lead customers like me to think the points in the entire reward account are the same. 

Citi 's practice of forfeiting rewards is very unclear, misleading, and unfair. Every reward point is earned hard by customers like me. I use the prestige card for more than 3 years to earn this amount of points. For me, the missing points have a worth of more than 500 usd. However, it was taken from Citi in a very surreptitious manner.

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 2020-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XXXX we received a pre approval for a VA mortgage through USAA Federal Bank ( Loan Application XXXX ). We are attempting to buy a home in XXXX XXXX  as my wife received an employment offer in the immediate area. We moved to a rental in XXXX while the loan was in process for a home that we had placed under contract. We received pre approval and began the application process during the entire month of XXXX. On XX/XX/XXXX. We were informed that our loan application was denied because we had placed our present home into forbearance when we were employed in XXXX   and there was concern over our continued employment hours. During the loan application process we were asked to bring our existing home mortgage current which we have done. USAA stated that they required that all existing mortgages demonstrate 12 consecutive months of mortgage payments. It is our understanding that the federal forbearance mandate precluded any negative credit issues in regard to our credit rating. Our credit does not reflect any negative issues in regard to the mortgage or any other negative credit issues. We feel that the USAA Federal Bank has violated the federal mandate in regard to our VA loan application as they did not accept temporary forbearance in determining our loan. In addition the home is under contract and will close in late XXXX. USAA one day later after notifying us of the denial to continue a {$500.00} dollar appraisal which we had paid as required by USAA. We are now out the {$500.00} appraisal fee. We have contacted several individuals in the mortgage department and have only received confirmation that the loan application was denied due to federally granted forbearance. We would appreciate someone to determine the appropriateness of the denial and the loss of {$500.00}. Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from Gate stone and asked to verify my information. Didn't give me any details why I needed to verify my info so I wouldn't. They threatened me repeatedly yet I still wouldn't verify without information. I'm afraid they have personal details on me that could negatively affect my life but they will not give me any detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Incorrect information was added to the credit bureau showing that I owe a debt. I never received a bill for whatever they believe I owe therefore I am not in default of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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: Personal information incorrect

Complaint:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
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: Personal information incorrect

Complaint:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : 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 2018-03-27
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I completed the logon process to my Bank of America account and proceeded to pay additional principal on my mortgage. The only option available to me was to pay the next mortgage payment plus a maximum of {$5000.00} additional principal. Bank of America applied the payment on XX/XX/2022 and charged me full interest as if it was paid on the normal due date of XX/XX/2022. This is deceptive to say the least. This mortgage will be paid off well before XX/XX/2022. I wonder how many people have been overcharged as a result of this? I would expect this to be illegal. If it is not, it should be! An audit should be performed, and Bank of America should be forced to refund any interest it overcharged mortgage customers with their fraudulent website. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX Bank of Americas case # 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 2020-07-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient I am sorry you misinterpreted my previous complaint. I requested Navient to send me a copy of the XXXX federal consolidation loans in XXXX that appear on credit report. My credit report contains XXXX federal consolidation loans. With an amount totaling over {$100000.00}. 
I contacted the federal government. They wrote me back and stated this. In XXXX I had a bankruptcy. Your student loans were not in default. So they sent my student back to XXXX for automatic repurchase in which XXXX complied. Then in XXXX XXXX lost their license to consolidation of federal student loans. As of XXXX XXXX is a private lender of student loans. Then I sent the contract Navient sent me for over {$49000.00} in student loans to the federal government then they wrote me back stating the FFELP Consolidation loan of XXXX they knew nothing about the consolidation loan of XXXX nor could XXXX write a federal Consolidation loan in XXXX due to no license with the federal government. The federal government stated as of today I do not owe on any student loan with the government They also stated no one never purchased my student loans. 

In XXXX Navient was formed aka SallieMae and that the transition did not go well documents were lost and forged. 

So they told me to ask Navient to send me a legal contract of a Consolidation FFELP student loan with XXXX in XXXX so they can review both license of XXXX and Navient. Third request. 
Also I am asking Navient did you purchase my student loans and if so send me the chain of custody. Navient did you turn my student loans into private student loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX  ) had filed a case in court against me. I called Calvary and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse.

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask Calvary and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court.

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they  arrested her for XXXX conduct and I had her served with an XXXX  against XXXX  in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX   was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter. 
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!! 
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX. 
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Nelnet, Inc.
State: GU
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX 

I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee. 

Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake. 

Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer.

Company response to consumer: Closed with explanation