BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Trans Union has failed to remove inquiries from my consumers credit report. Transunion did not / do not have permissible purpose. I did not give Trans Union my written permission to report anything to my consumers credit report. 
Ive been reaching out to Trans Union via mail/ certified letter with a return receipt to ensure that Trans Union is receiving my demands. As a consumer and according to the USC LAWS, I have a right to privacy. Trans Union has completely ignored the law. Trans Union has also violated their own rules. As a consumer, I am the only one who dictates what goes on my consumer credit report. Trans Union is also committing aggravated identity theft! Trans Union goes through a third party and take information from that third party and report it to my consumers credit report.

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 2017-11-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX I entered into a loan modification with my mortgage company ; XXXX XXXX XXXX XXXX. ( Please see attached loan modification agreement from XXXX XXXX XXXX XXXX ). Since entering in this loan modification agreement I have been paying my mortgage on time every month to the present date. My current interest rate is very high compared to today 's interest rates. Prior to entering into a loan modification with XXXX XXXX XXXX I my mortgage at that time was an FHA 30 Year Fixed Mortgage ( Please see attached Mortgage Note ). I believe in XXXX my mortgage was sold to Bayview Mortgage Servicing ( Please see attached mortgage escrow statement for customer service tel number and other important information ). In XXXX XXXX I was contacted by XXXX XXXX a loan Officer with XXXX XXXX XXXX XXXXXXXX XXXX, in regards to refinancing my current mortgage which would reduce my current interest rate of 6.5 % to 4.5 % thus saving me thousands of dollars in interest. Durring My refinance my loan officer XXXX XXXX informed me that my current FHA mortgage was switched Illegally to a Conventional Mortgage by either XXXX XXXX XXXX or Bayview loan servicing. I contacted XXXX XXXX servicing and Bayview loan servicing several times to find out who Illegally switched my mortgage from an FHA mortgage to a Conventional mortgage, and neither XXXX loan servicing or Bayview loan servicing will give me any answers. They continue to tell me that they will look into the matter and get back to me a cdouple days later. It has been months now, and I have still yet to receive an answer from either mortgage company. These mortgage companies are stopping me from refinancing my FHA mortgage so I can save money and that is ILLEGAL! If this matter is not resolved as soon as possible my next action is to seek legal council and take the appropriate legal action to settle this matter..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a report from ChexSystems and they have reported information that should not be on there since the account ( XXXXXXXX XXXX was paid in full ).

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 2019-05-12
Company: EQUIFAX, INC.
State: AL
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 have a repo with XXXX financial that is not mine 3 collection accounts 18 inquiries that are not mine. I have written and callled and placed holds on my credit reports. There is even a bankruptcy on my reports. It has ruined my credit. Ive tried to call write and get the bureaus to fix it and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX bank {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX  ( {$240.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24
Company: PNC Bank N.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX and  XXXX , XXXX about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because XXXX and XXXX received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Today i received a phone call from someone who claimed to be a third party loan servicer for FedLoan. The name of their company was XXXX XXXX XXXX XXXX and/or XXXX  XXXX  XXXX. I was told to confirm my information and they had everything on me. My social security number, My date of birth, my phone number and address, my bank account number that i pay my loans through, everything. i felt like it was a scam so i hung up and called FedLoan to find out that they do not work with third party servicers and it was a scam. i want to protect my information, but i know they have it. i do not feel safe paying my student loans anymore and am very insecure about my personal information being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX ( {$590.00} )

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 2017-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This complaint is in reference to a personal checking account that was opened during the year of XXXX XXXX. The account is currently closed. In addition to an separate checking account opened during XXXX. 

Approximately around mid XXXX XXXX, I walked into a Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that confirms that a series of Cashiers Checks were purchased and paid via my checking account. I was the remitter the check and XXXX was payable to XXXX XXXXe. I spoke to a banker within the personal banking section of the branch and presented copies of all Cashiers Checks and explained I needed a thorough research and investigation for legal purposes. I explained the narrative of my case and even advised I have a court trial in early XXXX XXXX.I left them copies of all the Cashier 's Checks and was assured I will receive this information in a timely manner. Some of the checks presented were acquired from XXXX XXXX XXXX, presently known as Chase bank. Since making this inquiry, I have not received anything by mail or a call from the branch. I tried to call customer service a few times, yet was unsuccessful. The branch claims they do n't have any records on their system and they forwarded this to the proper department that can handle these matters. I am a plaintiff of a pending civil litigation related to an illegal foreclosure. The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Chase bank. I have attached all copies of these Cashier 's Checks for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-06-24
Company: Tormey Bewley Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, CO, XXXX XXXX XXXX XXXX, under false pretenses, rushed us into the treatment room. I asked several times before that if they accepted my health plan ( XXXX/XXXX XXXX as a XXXX employee at the time ) and received no answer. After they had XXXX my eyes they tell me they only give me a 10 % discount since they didn't accepted my XXXX/XXXX  plan. Meaning that she wanted to charge us {$360.00} for a prescription! I immediately told them I was not going to accept that. Neither my wife or I never received a complete examination or a prescription for new glasses. They attempted to had me a prescription, which I immediately returned and walked out. 

Now the account is with Advantage Network System and they want to take advantage and charge the initial amount plus their fees for a total now of {$410.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Date : XX/XX/ 2007 Balance :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 2022-03-07
Company: SYNCHRONY FINANCIAL
State: FL
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:
Received letter XXXX from Synchrony bank stating credit card has been closed. It states the reason is " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. As the date of closing, we have {$580.00} of cash back. When we called, Synchrony bank stated it is gone since they close the account. We ask that makes no sense and reason is not legit as the account has been opened only 2 months. The credit limit on card is {$15000.00}. The balance on XX/XX/2021 was {$9900.00} with due date of XXXX. The entire balanced of {$9900.00} was paid on XXXX ( see transaction detail on next statement ). The next statement the new balance was {$0.00} as we charged we paid down before statement close date. So in the total history of 2 months, the balance was {$9900.00} paid in 3 days or 20 days before due date. The next statement balance was XXXX. Does that sound like high risk and not to mention per their website the credit score is XXXX ( see attachment synchrony credit score ) which they rated as excellent. Information was provided to customer service and they were rude and now they stated we can close account for any reason. So is closing account based on race okay and being a woman? According to them it be okay since any reason. 

How can a credit company provide $ XXXX in credit and close our account and took our {$580.00} cash rewards when the average statement balance is {$4900.00} over 2 months and it is paid within 3 days and 20 days ahead schedule. If you run credit, we have plenty of cash to pay the balance. If paying off credit card 20 days ahead due date ( 3 days after statement ) is that consider high risk? If so majority of all credit card customers would have their accounts closed. If this is not discriminating, please state why XXXX is high risk? You stated her XXXX XXXX is excellent at XXXX equity is in the 7 figures.

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 2021-10-18
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Goldman Sachs has called me 5-6 times in relation to an alleged debt I owe after a credit transaction I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When Sallie Mae broke off from Navient, I did not receive a notification that I was needed to renew my income-based payment plan. That notification is required by law. The company then capitalized the interest on my loans, costing me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez customer service representations continue to provide incorrect and untrue information to mortgage holders. On XX/XX/12, I called NewRez customer service to arrange a check to be mailed out for half of XXXX and XXXX payments. The representative stated no payments were showing for XXXX. This was untrue as I had sent a check overnight to NewRez which they received and applied to the mortgage according to my bank. I told the representative this information and the representative repeated no payments were showing in XXXX. Having dealt with NewRez customer services inconsistency before, I hung up and called back where I spoke to another NewRez representative who confirmed that XXXX payments had been received and applied. This is a continuing problem with NewRez customer service. Incorrect and untrue information continues to be told to mortgage holders. This is in addition to a previous phone call when a NewRez representative stated notes showed I had make a payment over the phone which was also untrue. All of my payments have been made online or by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank says they are considering closing my 2 accounts. After screwing up my money Citibank, that is your best freaking bet. Do not reopen accounts for any reason and assure that no transactions are permitted ( incoming/outgoing ) moving forward. I requested that there be no transactions on my account last week and the bank continued letting transactions take place with the closed account. No type of transactions should occur, everything should be rejected henceforth. This is my second time requesting 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 monetary relief
Consumer complaint received 2017-11-08
Company: Risecredit, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On Friday, XXXX XXXX, XXXX, while reviewing my XXXX credit report, I noticed that 2 loans that I had taken with Rise Credit were incorrectly reported as open. The two loans, opened on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, were paid in full, as agreed, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. 

It was then made clear that Rise stopped reporting the loan information once they were paid. 

I therefore followed up on XXXX/XXXX/XXXX with Rise 's internal disputes team at the suggestion of the customer service agent. He suggested a 2 day turnaround. I still have not heard from Rise, nor have they acknowledged my complaint. 

Therefore, today, XXXX XXXX, XXXX, I have disputed the information with XXXX, as well as filed this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: MS
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, and XXXX XXXX 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 2022-03-07
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened PNC bank virtual wallet account based on account opening bonus offer sent to me at my home address. I meet all terms and condition listed in offer document but did not received bonus amount. 
I contacted PNC twice to resolve issue. PNC responded to my complaint on XX/XX/2022 stating that my bonus is declined as it was for existing customer, but it is not stated in offer sent to me ( offer letter attached ). I want my bonus {$400.00} account opening bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24
Company: 60 Month Loans, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i was offered a loan of $ XXXX@ 19.47 % but when i applied for it real. it came out {$2600.00} @ 69 %. they ran my credit and got all the bank statements. i want them to remove my hard inquiry on my credit report and report it to credit unions for removal of hard inquiry. thank you

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 2017-11-08
Company: P.S.C., Inc
State: WA
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: Investigation took more than 30 days

Complaint:
There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.

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 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have 2 credit card accounts I would like to close with Bank of America. When callin in they place me on hold indefinitely.

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