BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-16
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I currently have federal student loan debts through Navient. During the CARES act it appears I was charged interest on two separate occasions ( {$1.00} on XX/XX/2020 and {$1.00} on XX/XX/2020 ). While I know the aforementioned amounts are very small I am confused as to why I am being charged interest and curious if there are other people Navient has charged interest to during the CARES act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ONLINE Information Services, Inc.
State: OH
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ONLINE INFORMATION SERVICES # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to ONLINE INFORMATION SERVICES # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Credit Card not monitored by your agency. I have a decrease of <70 on my Fico Score. 
Please review :. All other monitoring system have updated there systems to include XXXX XXXX XXXX credit Card which has vanished from your system. 
XXXX XXXX Member ID 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 a account without my written instructions

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 2021-01-23
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I submitted a complaint with the CFPB about a dispute I filed with Equifax on XX/XX/20 in regards to fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Southern Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing my credit report, I noticed a collection account placed on my credit report by Southern Financial Systems , IncXXXX for the amount of {$880.00}. On XXXX XXXX I mailed a debt validation letter to Southern Financial Systems , Inc. via certified mail requesting them to provide proof that the alleged debt is mine. The letter was signed for by a XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, XXXX and I have yet to receive a response form this company. I have never received a bill or any documents from this company.

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 2020-01-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC Bank is Manipulating Data and fraudulently reporting items incorrectly which cause consumers to have False information. This is Antitrust and Consumer Fraud by PNC Bank. 
They report and hold transactions as pending status from 1 to 4 days at times in expectation that the account would be overdrawn and charge overdraft and NSF fees which cause consumer additional Fees with the submitter of the charge. When a consumer makes a Cash deposit through an ATM it immediately becomes available. Which means the consumer can withdraw the funds a minute after since it is available. 
I strongly believe PNC is baiting consumers to a false sense of security and unconscionable deception. Here is what recently happened that leads me to this conclusion. I made Cash Deposits on XX/XX/2020 to cover items that were being presented for payment and in a pending status. I took screenshot 's with a time and date stamp showing that there wasn't a negative balance and verified the bank balance by getting an ATM receipt of the balance on the account. However, the Cash Deposits even though showing deposited on XX/XX/2020 post on XX/XX/2020 instead of XX/XX/2020 in order to cause pending transactions to Assess NSF & overdraft Fees. I'm also assessed a fee by the other party it was returned to. This is Antitrust, Consumer Fraud , Banking Double Dipping & Data Manipulation. 
I HAVE SCREENSHOT 'S WITH TIME AND DATE STAMP ( Bottom Right Corner of Screenshot ) AND BALANCE INQUIRY RECEIPT FROM ATM AS PROOF are attached. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting another set of letters to these companies, there are late payments that are hindering, but they are related to covid-19 and legally these companies are supposed to work with me and accommodate when it comes to financial issues due to covid-19. I have sent letters before, over a month ago to be exact, and I haven't received any results let alone even a response. Please help me resolve these issues so I can get my credit back on track and start my journey of getting my mortgage. Attached are my identity documents and the letters I have sent too these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am submitting another set of letters to these companies, there are late payments that are hindering, but they are related to covid-19 and legally these companies are supposed to work with me and accommodate when it comes to financial issues due to covid-19. I have sent letters before, over a month ago to be exact, and I haven't received any results let alone even a response. Please help me resolve these issues so I can get my credit back on track and start my journey of getting my mortgage. Attached are my identity documents and the letters I have sent too these credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: HEARTLAND PAYMENT 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:
XXXX XXXX was assigned to service my XXXX XXXX in XX/XX/2017. Since that time, I have not received periodic statements from them. Today I checked the mailing address on my account and it is correct, and my account preferences that all statements should be mailed to me. There is no reason I should not have received statements via mail. 

This morning I received a prerecorded call from Heartland telling me to call them back. I never consented to receive prerecorded calls. I called them and was placed on a lengthy hold. During that time I checked my account online. It shows I am three months past due on my account. I NEVER received any statement for any of those charges. I tried to chat with XXXX XXXX on their website and submitted my complaint through their website as well. No response. 

I am concerned that Heartland has now incorrectly reported my account as past due to credit reporting agencies. Heartland needs to IMMEDIATELY correct any incorrect reporting. It also IMMEDIATELY needs to correct my account status and reverse all late charges. Periodic statements must be mailed to me going forward. An explanation letter from them, for my records, is also warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my second attempt to get 100 % accurate reporting on my credit report from synchrony bank. My credit report is still inaccurate. 

There are a series of mistakes, inaccuracies and data errors on your reporting of my credit report that I have attached. 


I need all of these questions answered. 

SYNCB/AMAZON PLCC and SYNCB/PPC Account # XXXX Account # XXXX - What name is this affiliated with? 
- What address is this affiliated with? 
- What XXXX is this affiliated with? 
- How have you certified for this to be accurate under the FCRA? 
- Please provide proper validation of the debt you say that I owe - Please provide a copy of judgement regarding the debt and evidence that supports the debt ( in writing ) - provide a Copy of the original contract - Please provide a complete accounting statement with interest and fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to fill up an application to see an apartment. I got charged with XXXX dollars for the XXXX payment. When I went to see the apartment, the person didnt receive my call and blocked me instead. I cant get my money back now. The XXXX email id is XXXX by the name XXXX. Her XXXX id is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
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: Information belongs to someone else

Complaint:
Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.

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 2020-07-15
Company: Comerica
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Comerica bank forced me to sign a forebearance letter even though all payments were current. Comerica announced they wanted to drop my loan and I needed to find another bank. After signing forebearance no bank would talk to me. They took my XXXX dollar commercial property. 

Now they refuse to give me info on my home mortgage Acct #, Payoff, why no statements? They refuse to talk to me. 

This cant be legal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the CRA ( Experian ). 
They have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 
I disputed some accounts on my Experian credit report that are inaccurate and inconsistent. The company came back and said that the accounts are accurate. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: AFNI INC.
State: IN
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:
XXXX  disclosed a collection agency by the name of AFNI, INC reported a debt the month of XX/XX/2020 on my XXXX credit report but it shows the account opened XX/XX/2020 ( via XXXX  ) without written notification about the debt which was previously deleted and is now re-aged. I also initiated a dispute XX/XX/2020 and the company has still failed to disclose the original documentation, bearing my signature, of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1 ) XXXX XXXX XXXX XXXX in XXXX XXXX approved me for a mortgage in midXXXX They appointed XXXX XXXX XXXX to handle the closing and payoff to Sterling National Bank 2 ) XXXX 's attorney XXXX XXXX XXXX contacted Sterling ''  s attorneys XXXX, XXXX, XXXX XXXX in XXXX XXXX  XXXX to set up a closing date. Sterling 's attorneys need to bring Stock Certiificate and Original Lease to closing. ( Sterling is currently holding those documents to secure its mortgage. ) 3 )  Despite numerous requests over the last month, Sterling 's attorneys have failed to respond to XXXX attorney 's request for documents and a closing date. 

4 ) I am worried that XXXX will revoke its offer if no closing date occurs soon, In addition. I have already paid them over {$1000.00} dollars to get their mortgage. In addition. I am still stick with Sterling 's much higher interest rate costing me an additional $ 400-500 per month in interest. Closings and payoffs are routine business in real estate, and I wish to go ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For weeks I have tried to login to my account. The website keeps providing the message " Network error. Please try again later. '' This message is received after entering my user name, answering the challenge question and providing my password. This is preventing me from managing my account online and as a result I have to send payments through my bank 's bill pay option.

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 2022-08-05
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX ( XXXX ) was hired by XXXX XXXX XXXX to inspect the XXXX XXXX, which is located at XXXX XXXX XXXX in XXXX, Florida, XXXX regard to reported damage involved in a homeowners insurance claim. XXXX XXXX XXXX, P.E., Principal Engineer, inspected the structure and site on XX/XX/2022. 
During the inspection, XXXX observed that a section of wood joists and subflooring in the family room and kitchen area had been compromised, making those members no longer able to properly support the intended loads. The observed damage is an unsafe condition that poses a danger to the occupants at the residence. XXXX recommends that access to the kitchen and a section of the family room of the residence be restricted until temporary support or permanent repair of the damaged floor framing is completed, which should be performed in the immediate future.

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 2022-03-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2022 MY CAR WAS BROKEN INTO AT XXXX XXXX XXXX, THE XXXX TEXAS. CALLED THE POLICE TO MAKE A REPORT. ( XXXX XXXX CASE # XXXX XXXX XXXX XXXX XXXX. CALLED THE BANK TO CANCEL MY DEBIT CARD AND CHECKING ACCT. WEEK LATER XX/XX/2022 A BRANCH MANAGER CALLED ME LET ME KNOW SOMEONE WAS AT THE BANK WITH MY DOCUS TRYING TO WITHDRWAL XXXX SHE DENIED THE TRANSACTION BC THE LADY DID NOT MATCH MY SIGNATURE NOR SHE LOOKED LIKE ME. MINS LATER ANOTHER WELLS FARGO MANAGER CALLED ME TO APOLOGY BECAUSE SHE DID NOT PAY ATTENTION TO THE ACCT, THAT WAS ON FRAUD ALERT. THIS PERSON WAS ABLE TO WITHDRAW XXXX. FROM THE NEW CHECKING ACCT. A FRAUD COMPLAINT WAS FILE 1ST REF # XXXX THEY TOLD IT WILL TAKE ABOT 7-10 BUSINESS DAYS TO RESOVLDED MY ACCT. TODAY I CALLED TO CHECK ON THE STATUS AND WELLS FARGO TELLS ME NO COMPLAINT WAS ISSUE ON THAT XXXX OF MONEY. THAT THEY HAD TO FILE A NEW COMPLAINT FOR THAT XXXX. NEW REF # XXXX. I HAVE BEEN WITH WELLS FARGO FOR YEARS AND THIS IS NOT RIGHT. WHO IS NOT GOING TO FILE A COMPLAINT WHEN SOMEONE ELSE TAKES THEIR MONEY. I DEPEND ON THAT BECAUSE BC IM CURRENTLY XXXX XXXX XXXX. THIS HAD BEEN EMOTIONAL STRESS AND PHYSICAL. I NEED SOMEONE TO PLEASE LOOK INTO THIS ACCT OR CASE. ALSO THEY TOLD MY THAT MY NEW ACCT WAS GOING TO BE ON FREZZED MODE THAT NO AUTOMATIC MONEY WAS GOING TO BE ABLE TO COME OUT. AND THEY HAVE NOT DONE SO. NOW MY ACCT IS ON NEGATIVE BECAUSE AL MY AUTOMATIC PAYMENTS ARE BEING PULL. THIS IS SO UNPROFESSIONAL.

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 2019-06-05
Company: LEXISNEXIS
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: Information is missing that should be on the report

Complaint:
PLEASE BE ADVISED THAT MY FATHER XXXX XXXX XXXX PASS AWAY ON XX/XX/2008, ESTATE NO.XXXX, PLEASE SUPPRESS CREDIT PROFILES.

Company response to consumer: Closed with explanation