BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: Chime Financial Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
CHIME, the XXXX XXXX, issued a hold on my ( XXXX XXXX 's ) account debit card. I XXXX XXXX answer all CHIME, the XXXX XXXX  question to the best of my ability. the XXXX XXXX and CHIME closed the account and embezzled the funds/credits I XXXX XXXX worked for, funds credits that my job deposited in the CHIME account. No one has never revealed names to me, just threatening emails, jeopardizing my family 's ability to live. 

CHIME the XXXX XXXX  XXXX XXXX XXXX is trying to force me to become an accountant for their COMPANY 'S before releasing a work woman 's pay, credit, deposit, and or funds. 

I am attaching documents of the correspondence between me and the CORPORATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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:
XXXX XXXX has placed my credit report in their special handling department. I would assume that because I am a victim of identity theft they placed it there. I have sent FTC & Police Reports to XXXX XXXX, Equifax, and XXXX. All three major companies fail to comply with the FCRA. The FCRA 605B states that upon receiving FTC or Police reports they are required to block the fraudulent trade lines within 5 days. They are disputing the trade lines over again 30 days wait and are not concerned about the FCRA. I am in the process of getting legal help before I do I wanted this last attempt to be documented with CFPB so that it looks excellent for my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: NY
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 called EQUIFAX and I explained to them about the inaccurate information on my consumer report and I demanded them to permanently DELETE/REMOVE the closed negative items accounts and they refused to do so. I also explained to them that I am a consumer ( natural person/creditor ) pursuant to 15 USC 1602 ( e ) and 15 USC 1602 ( g ). I demanded these deletions based on my federal protected consumer rights and they was nonchalant about the matter for which these items are affecting my reputation and destroying my character as a consumer. 
Also, while on the phone with EQUIFAX, I made it clear to them that NO consent was NEVER given to them ( EQUIFAX ) pursuant to 15 USC 1692b, I proceed to demand for these DELETION due to the violation they committed on my consumer report and explained to them that they was in violation pursuant to : 15 USC 1692b ( no consent was given ), 15 USC 1681 ( a ) ( 1 ) ( 3 ) ( 4 ), 15 USC 1681 ( 2 ), 15 USC 1681 ( 3 ), 15 USC 1681 ( 4 ), 15 USC 1681 ( B ), 15 USC 1681a ( d ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( 2 ) ( B ), 15 USC 1681a ( e ) ( failed to deliver proof of verification of alleged debt ), 15 USC 1681a ( 2 ), 15 USC 1666a ( B ), 15 USC 6821a ( violation of privacy protection ), 15 USC 6821a ( 1 ), 15 USC 6821a ( 2 ), 15 USC 6821a ( 3 ), 15 USC 6821b 15 USC 1692b ( 2 ), 15 USC 1681 ( a ) ( e ).

EQUIFAX fall under the term of Financial Institution pursuant to 15 USC 6827 ( 4 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing to request assistance in an issue I am having with Selene. I really need my document from XX/XX/XXXX. I believe it will be XX/XX/XXXX. My underwriter has requested it and I can not find my copy. We were supposed to close XX/XX/XXXX and I called XX/XX/XXXX to request copy of this completed document to be emailed to me. The girl I talked to said she would put rush on it because my lender wants it. The sellers are anxious and have already worked with us and now are saying that they can not wait until Mid XXXX to find out if the document arrives. I say mid XXXX because today XX/XX/XXXX, when I followed up the girl I talked to said it was scheduled to be mailed XX/XX/XXXX. 

When I called in Monday I talked to a gentleman that said he would send it to printing and it would likely go out that day. Now I got a letter saying it could take 30 days to review request. The gentleman said he found it and do I dont understand the delay. 

I am begging you for assistance in this matter and praying it does not take 15 days to hear back from you. I can take a unofficial copy. I am renting house I am trying to buy do not getting means I have to move. Please help me. 

I eagerly await your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month. 

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account. 

5. Original records transferred by XXXX XXXX XXXX to former Bayview Loan Servicing, now Community Loan Servicing ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint.

Bayview prepaid the home insurance ; it is now included in the payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On `XX/XX/2019, without any input from me as a consumer, Bank of America closed all of my credit card accounts. Before they were closed, I had a significant amount of cash back money or points in those accounts. I was told that based on terms and conditions I signed, all those cash-back money/points will be forfeited upon cancellations. I have called Bank of America to point out that I was not the one who initiated the closing. Bank did. It is grossly unfair for a bank to encourage my using of the credit cards to build up those cash-back points to then cancel my cards and took away all those accumulated points and cash back money. I ask that CFPB look into the matter and help me to change Bank of America 's position on this.

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 2018-06-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Contacted Wells Fargo in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute two late payments for XX/XX/XXXX and XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by Wells Fargo. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.

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 2018-02-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to move money from my bank account to ( XXXX ) an investment app on XX/XX/2020. I am unable to do so, due to some changes PNC made to my account. I am no longer able to ( though I was previously ) transfer money to other linked accounts ( Such as a bit coin investment app or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: MO
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:
Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. 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 2017-08-07
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: Information belongs to someone else

Complaint:
This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not 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 2018-06-09
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
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:
I have been paying my loans faithfully through XXXX, but it seems nyshesc hires or sells defaulted loans to different collection companies. My wages are being garnished by XXXX XXXX XXXX XXXX, but as I mentioned I have been paying my loan faithfully. I need this garnishment removed from my employer 's payroll. Reference number XXXX. I had a XXXX and I have an XXXX XXXX, worrying about this company and other companies hired by nyshesc is making my condition worse. I might end up homeless. Please stop this abuse. I already wanted to XXXX XXXX because I see no light at the end of this tunnel of sharks after money that I have been paying. Maybe that is the best solution. Then they can't rob me any more. I'm paying and they are still garnishing please I beg of you, stop this garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I responded to a post for a concert ticket that was being sold. The person was quick to reply and sent a picture of the ticket. She asked for my form of payment which was Zelle through XXXX XXXX. I sent {$55.00} for the ticket and waited for her to transfer it. She said she was waiting for confirmation of payment from her mom who was at work. She apologized for it taking a while and thanked me for being patient. The Zelle account was under the name XXXX XXXX and the email was XXXX. I waited and after a while of not hearing back from her I sent another message, but XXXX said my message could not be sent. I clicked on her profile to find her, or I guess his, account had been suspended. Ive tried emailing the email tied to the Zelle account but get to reply. I also tried to sort it through my bank but they were unable to get my money back because a transfer through Zelle is instantaneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Asset Management Outsourcing, 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:
XXXX I disputed nation wide recovery services and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX  finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CNG HOLDINGS INC
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased time share points in XXXX and sign a mortgage for about {$45000.00} from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX NOTE : this gave me XXXX points to use for stays at their locations. It did NOT give any ownership of real property only the USE OF. The use of was based on availability. 

REPEAT : NO OWNERSHIP 0F REAL PROPERTY just use of if available. 

I was unable to pay the " MORTGAGE '' beginning on I XX/XX/XXXX. 

I notified XXXX XXXX XXXX was unable to pay and would make any future payments and requested release from my Mortgage and any other fees. 
I had limited word from them two collection notices from them which where withdraw. 
The last contact with by phone was XXXX XX/XX/XXXX and was told it was in work and I would receive an email when the debt was forgiven. 
I am tired of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE NEVER LIVE AT THIS APARTMENT, DO NOT KNOW ABOUT THIS BUT SEE THIS INFORMATION COME ON MY CREDIT REPORT. I INFOMATION THE COMPANY ABOUT THIS BUT GOT NO RESPONSE, THE COMPSNY IS RENTDEBT AUTOMATED COLLECTION, Phone Number ( XXXX ) XXXX - XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
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 spoke XXXX XXXX at XXXX XXXX. XXXX did not provide me customer service. All I needed Lowes to do was remove authorized user from account and XXXX advise could not do that because her company was having technical issues. Her response to why she could give me customer service was invalid and I would have to call back and possibly go through same torture. I was on hold for 45 minutes and did not accomplish anything.

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 2020-11-14
Company: CITIZENS FINANCIAL GROUP, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry listed on my credit bureaus were not initiated by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: AES/PHEAA
State: NY
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:
I received Paper Statements for my FedStudent Loans. The XXXX send me a MONTHLY BILL on XX/XX/XXXX for {$38.00}. { See the following : Last Payment Received XX/XX/XXXX Current Payment Due {$38.00} Total Due by XX/XX/2018 {$38.00} } I paid {$50.00} on XX/XX/XXXX as my Loan was due XX/XX/XXXX. 
On XX/XX/XXXX, I received a new MONTHLY BILL as following : Last Payment Received XX/XX/XXXX Amount Past Due {$8.00} Current Payment Due {$49.00} Total Due by XX/XX/XXXX {$57.00} In other words, FEDSTUDENT LOAN SERVICING PURPOUSLY MADE ME IN DEFAULD OF MY PAYMENT EVEN THEY DEFINED THE PAYMENT OF {$38.00} FOR XX/XX/XXXX and in XX/XX/XXXX, they sent me a statement I am in a Amount Past Due {$8.00}. Thus, in a requested payment of {$38.00} I paid {$50.00}. 

Sending one amount request, and then making the student to be in a past due, defiantly will reflect negatively on the student credit/scores upon reporting. Such error is inexcusable, and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CITIBANK, N.A.
State: AZ
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 customer service

Complaint:
Most credit card issuers do not generate monthly statements ( mail out and paperless ) XXXX ) the account has {$0.00} balance, 2 ) if there are no transactions ( purchase or payment ) on an account in the billing period. This is ok. 

However Citibank started a policy ( XXXX XXXX? ) of not generating a statement ( mail out and paperless ) if there are no purchases on a credit card during the billing period. 
If there are only payment transactions - no statement. 

I recently paid off a credit card ( initial balance of ~ {$6000.00} ) in two payments during a billing period in which there were no purchases. For this billing period and subsequent periods Citi will not issue a statement showing the payment transactions and subsequent {$0.00} balance. 
The payments to pay off the account are also not included in a payment history which is quite troublesome as the account balance is shown to be starting at XXXX $ XXXX and ending at {$0.00}. 

In many regards I think this is not providing the consumer XXXX customer ) with documentation that may be required in future disputes to prove the account was paid off. I use electronic bill pay so I haverecords of my payments to Citi but they refuse to provide a statement with only payment transactions on the account. I use electronic statements so this is not about wasting paper. This policy was adopted by Citi in XXXX XXXX - XXXX XXXX time frame.

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 2019-10-22
Company: Navient Solutions, LLC.
State: NM
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:
My original Student Loans from Navient totaled {$5200.00}. I made payments from XX/XX/XXXX to XX/XX/XXXX totaling {$2900.00}. I received a notice of default on XX/XX/XXXX with the amount due totaling {$4800.00}. 
I received tax offset notices from The Dept. of Education on  XX/XX/XXXX ( {$330.00} ) and XX/XX/XXXX ( {$520.00} ). I received a debt collection notice on XX/XX/XXXX for {$6000.00} ( principal bal {$2900.00} ). I disputed the amount owed, but was answered with another debt collection notice on XX/XX/XXXX for {$6100.00}, which did not provide any payment history or other details as to how the payments were applied. I received additional tax offset notices from DOE on XX/XX/XXXX ( {$720.00} ),  and XX/XX/XXXX ( {$53.00} ). The additional {$1600.00} in payments made between XX/XX/XXXX to XX/XX/XXXX via tax offset, bring my total payments made towards this loan to {$4500.00}. 
After being turned down for an FHA loan in XX/XX/XXXX, I contacted the Dept of Education regarding my student loan. Again, I disputed the amount owed. I received a letter on XX/XX/XXXX detailing my payment history from XX/XX/XXXX to XX/XX/XXXX, which did not include payments before the default. What it did show was that {$0.00} of the {$1600.00} collected was applied to the principal balance. I then contacted Navient in an effort to obtain my payment history prior to the default. I received a letter on XX/XX/XXXX stating that a claim was filed and the loans were transferred to the guarantee agency. Their records show the outstanding principal to be XXXX. 
As a result of my inquiries I received a debt collection notice on XX/XX/XXXX for {$7700.00} and the principal balance is still {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: NY
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:
After struggling and getting sick not only has XXXX used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My equifax still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is equifax willing to help with getting my score back. Please help. Thank you

Company response to consumer: Closed with explanation