BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi CFPB, I have my current mortgage of my primary residence with Citizen 's bank. My original loan was with XXXX XXXX Mortgage XXXX and the loan was later bought by Citizen 's Bank. In XX/XX/2021, I got an email from Citizen 's bank saying I am eligible for lower interest rate if I refinance the current loan. As the letter was genuine and from the bank where my current loan is, I contacted a loan XXXX whose contact information was on the letter. She initiated the refinance process by initiating credit check and requested for all my documents ( recent pay checks, immigration documents, my investment property mortgage information, home insurance information, bank statements etc. ). I mentioned to them from the very beginning to let me know if there are any pre-conditions that I need to be aware of for successful execution of this refinance process. Regardless, bank started asking me to do few things for me to be able to get the better interest rate. To emphasize, these conditions are not the letter they sent me and they didn't tell me all conditions at one. Below are the conditions they asked me to fulfil one after one : 1 ) Open a checking account with Citizens and have a monthly deposit- I complied 2 ) Pay my current loan with Citizens Bank with the checking account opened at Citizens- I compiled 3 ) Include home insurance in escrow - I refused as I currently pay by myself and not from escrow. I escalated to this with the bank and agreed they will drop this condition 4 ) Paid for house XXXX and spent lot time sending and resending the requested documents After all this and XXXX  months after the process started, I am now being told that I do not have XXXX XXXX  and can't move forward my application. I am on legal visa ( XXXX ) and my previous re-finances with other bank didn't deny my loan due to my XXXX status. 

I feel that this is marketing strategy where they made me open checking account with them, waited for 6 months and now saying my re-finance application didn't meet their conditions. I request XXXX to look into Citizens ' bank practices. 

Thank you for all you do Concerned Individual

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date Updated : XX/XX/2016 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2016

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 2021-12-07
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I rented a car in XXXX on XXXX XXXX, 2018. My total payments for the vehicle was {$630.00}, I gave a deposit for the vehicle with my second American Express card of {$250.00}, and then the {$630.00} with the silver card of American Express which I paid in full of the amount of {$630.00}, being this is a prepaid card and the monies there have to be deposit then used. Well, I called A. E. to  get my deposit from card # XXXX back for {$250.00}, being they are no pending charges from enterprise and AE tells me I have to wait 30 days for my monies that are a prepaid deposit for the vehicle I am cleared of with XXXX. 
I had an Agent from XXXX name XXXX, speak to a supervisor and representative there at AE and they still want to hold my monies 30 days without any sympathy if I have other bills or not or if this is just amount I deposit into my prepaid card ... These monies are mine and it should be returned not in 30 days, but in 3 days is acceptable ... I want to get my monies now. I had also called them telling them I needed {$50.00} of my money until it clears for medication and they said no. This is not their money it is mine and I want it back soi can close both accounts the XXXX one and the XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: NC
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 recently got a copy of my Experian credit report and notice Experian is reporting inaccurate information in my credit file. i filed a dispute with XXXX  and I contacted Experian Fraud team explaining that XXXX XXXX XXXX is reporting in my credit file a debt Balance of {$580.00}, but they are sending me a letter saying i owe a debt Balance of {$580.00}, this information is confusing, although i do not owe this debt and never done business with XXXX XXXX XXXX, from my understanding information reported in my credit file must be 100 % accurate and complete if not it needs to be deleted. 

I've never done business with XXXX XXXX XXXX and they are sending me different amounts then they are Reporting to Experian. 

Experian is the only agency reporting XXXX XXXX XXXX XXXX and XXXX are not reporting any debt with XXXX XXXX XXXX XXXX XXXX XXXX also sent me a Photoshopped document with XXXX XXXX header pasted on it. although i've never done business with either it still shows a different amount then what they are reporting. 

XXXX XXXX XXXX  took my current address off of a dispute letter and switched it with the one thats tied to the debt that do not belong to me, then they sent me a letter and added my current address to that debt.

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 2019-02-07
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal credit will not stop calling. I received anywhere between 5-10 calls a day, even as late as XXXX and on weekends. Just yesterday, XX/XX/XXXX I received four phone calls at XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time I answered and asked for them to stop calling my number.

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 2021-08-05
Company: EQUIFAX, 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:
I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Manage at XXXX XXXX XXXX XXXX, XXXX Texas, XXXX has been sending me collection notices in the amount of XXXX. The collection has been listed as past due. I do not know this company. I have never done business with this company. This compliant does not have a contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Experian Information Solutions Inc.
State: FL
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:
The collection agency XXXX XXXX is still showing on my credit report from XXXX. This collection agency has reported to to all credit bureau 's that it was paid in full and due to it being a Fraudalent account, they have sent The request it to be deleted permanently from my credit file. Also in the documents attached and previous dispute. XXXX XXXX responded that this collection should be deleted. XXXX has npt followed orders and has this collection listed as paid, with a balance of $ XXXX closed account. But still listed on my credit report under paid collection. I have sent documents from XXXX XXXX that was mailed to me, a previous dispute with a response from the collection agency stating to remove this collection entirely from my credit report and proof of a photo shot document that it is still listed.

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: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed a letter requesting an investigation for questionable accounts that were showing on my credit report. It has been almost two months and I still haven't received the results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keep getting calls about a dept that is over 15 years old, robo calls, and unprofessional and abusive people, told them 10 years ago to come and get the tools they refused. was included in law suit against them but they waited till the suit was over and they started again, I still have 6 months of calls from my phone company that I requested 4 years ago that shows more then 8 calls a day. and XXXX dept. I have been on the do not call list since 09 but they do n't seem to pay attention to the Law. The new numbers from the last 2 weeks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX they must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On theXX/XX/XXXX I sent out a certified letter requesting that this account be validated and not verified I specifically requested three things * the original signed contract from me to the orginal doctor to release my medical records to collections information bureau also know as XXXX XXXX XXXX. ( HIPPA ) * original doctor statement of procedure * cease all reporting to all major credit bureaus until the documents have been reviewed and validated by me. 

I specifically stated the original documents that if I did not receive the original documents that it would be deceiving the information received by this company was this evening the original document of the statement from the hospital was dated XXXX XXXX XXXX if this procedure was done XXXX XXXX why does the statement show XXXX this is deceiving this is something that was printed up after receiving my certified letter furthermore the signed document received does not state that I gave the hospital permission to give this company my personal information on this alleged debt it is now XXXX XXXX and this company is still reporting in inaccuracy information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern We are sending this letter after speaking to one of your representatives and she advanced us to do so. 
You guys increased our mortgage payment without communicating with us! We found out through our credit score tracker. We have been paying our mortgage on time every time. However we had no idea that you guys had increased it. Please take this inquiry out of our credit as it has affected us very much. If you see our payment history you will see that we have never missed a payment. 
We have never received any phone call, email or a letter indicating this increase. 



Sincerely XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Student XXXX XXXX XXXX has account with Pennsylvania Higher Education Assistance Agency. Account XXXX Her mother wanted to pay off the loan. The loan balance was {$27000.00}. Her mother, XXXX XXXX XXXX called PHEAA to obtain directions on how to pay the loan and was told the {$27000.00} would not close the loan. XXXX asked XXXX to check with PHEAA to investigate the problem. XXXX was told by PHEAA that to close the loan an amount of {$33000.00} must be submitted. She was told the difference was a prepayment penalty. It is our understanding that a prepayment penalty is not allowed on student loans. XXXX XXXX XXXX  submitted a check for the {$33000.00} but is requesting your assistance in resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX used my XXXX contact list to repeatedly call and leave messages for acquaintances, friends/family, ect. I thought it was illegal to use harassment and humiliation tactics for debt collection? It is illegal to repeatedly contact anyone other than me about my debt!!!!! XXXX XXXX what happens when your companys tactics send someone over the edge? I appalled that XXXX has allowed my student loans to be handled by a company that is using illegal practices, including harassment, to collect a student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: National Credit Systems,Inc.
State: GA
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:
Account name : National Credit system. 
Amount : {$4200.00} I've never heard of this company. I've never done business with this company. I don't have any contract signed with the company. I believe that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
As per the Fair Credit Reporting Act, all items older than 7 years and the bell for the seven years to start rings from the date of the first delinquency. 
A recent careful review of my credit report reviewed my credit report revealed this has not been done. There are several old items on my report that I demand you remove at once in order to comply with the FCC.

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 2019-01-30
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized charges on my account. I reported this information to Suntrust. Yet, they failed to investigate this information and update my account including putting my money back into my account. Ive called several times and was placed on hold. Nobody could give me any information on the fact that they investigated this claim. These charges left my account in the negative of over {$800.00}. I have a good account history and I shouldnt be held responsible for a mess that I didnt create. When I signed up for this account, I was informed that they had a FDIC insurance policy to cover these type of situations. However, they havent done anything in regards to my dispute. Im starting to think Im being racially profiled as if because Im XXXX XXXX that I dont matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Continental Finance Company, LLC
State: PA
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:
Continental Fin Co showed up on my credit report, I have never heard of them. The report claims I have a balance of {$330.00} with a credit limit of {$300.00}. I never applied for this credit and I certainly never charged {$330.00}. I would be aware. XXXX claims to have investigated and feel it is accurate and I contacted the company but after they took my information I never heard from them again. This is not mine and it is adversely affecting my credit. I need it removed. I dont even know the account number because I never opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ERC
State: NC
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 unaware of the said debt and was not notified about the debt. The debt appeared on my XXXX credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither XXXX nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. XXXX  responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from XXXX or the collection agency. This account is reporting negativley on my XXXX report and causing me credit issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were working with XXXX regarding a loan modification, during the process the account was transferred to XXXX XXXX. The modification did not go through. We had been working with XXXX since XX/XX/XXXX trying to get a modification only to be turned down or to be offered such a large mortgage that we could not afford it. We received a notice XX/XX/XXXX that informed us that our home will be sold XX/XX/XXXX.

We need help and direction please.

Company response to consumer: Closed with explanation