BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
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:
After sending certified, return receipt letters to XXXX on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from Rash Curtis & Associates, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long XXXX  is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score,  as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by XXXX, I am seeking that this particular inaccurate assumption is removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX someone used our Bank of America Visa card number to charge {$1000.00} for a body building XXXX drink supplement ( Grocery category ). Bank of America recognized this as fraud and quickly contacted us and issued us new cards and reversed that one charge. Shortly after that transaction there were two smaller charges that were also fraudulent/not done by us. Both were on XX/XX/XXXX with merchants that appear to have no online shopping presence. One of them was In Connecticut by the shore ( {$50.00} - XXXX - XXXX - but the " online '' store feature is not setup yet ) and one was in Florida ( {$30.00} - XXXX XXXX, XXXX, FL - no website ) so it looks like these were point of sale transactions. We contacted Bank of America to dispute these two charges as well, but the rude representative and her supervisor claimed at least one was done " with a chip '' so it had to be us. A reasonable person would conclude that since there was a fraud/stolen credit card number within that same week timeframe that it is indeed possible there might be more than one fraudulent charge, especially since two were done 1,200 miles apart on the same transaction day. 

We were in XXXX Connecticut on XX/XX/XXXX and in New Hampshire on XX/XX/XXXX with both of our cards so the Florida charge is obviously a fraud. The " facts '' were relayed to Bank of America and they were provided with a transaction receipt from another credit card company showing we purchased gasoline in New Hampshire on XX/XX/XXXX - faxed them documentation. This is the first time we have ever had a credit card company basically insinuate we were lying and made the charges. We both work for a state Judicial Department and are age XXXX with credit ratings of over 860 and will file a small claims case in court if necessary against Bank of America and will also contact the consumer advocate at a local TV station. I realize it 's only two small charges totaling {$80.00}, however Bank of America seems to have a lot of complaints from people in our situation so it 's a matter of principle. 

I placed another ( third ) call on XX/XX/XXXX and this representative was professional but still no resolution yet, hence this complaint.

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 2020-05-04
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have a personal loan with Citibank. I made a full payment in XXXX, but according to Citibank, I'm still behind. I have spoken to the representatives of the loan department and they have not offered any remedies to resolve this debt as their correspondence has stated. They call me non-stop at all hours of the day. And recently, they've been calling and not saying anything. Saturday, XXXX, from phone number XXXX @ XXXX a call came in but no one said anything. The call terminated. On XXXX ( Sunday ) from phone number XXXX @ XXXX, the representative was adamant about receiving payment. and just this morning a call from XXXX @ XXXX XXXX came in, but no one said anything. 

A full payment towards this loan was made last month. During this Pandemic, this loan is not a priority, however, I am still making payments, I will not be harassed in the process.

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 2019-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened the account based on a promotion : Qualifications to receive {$400.00} Welcome Bonus - within 150 days of account opening, receive a cumulative monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. 

I travel abroad and upon calling Wells Fargo, they would not allow me access to reissue direct deposit after my depositor stated they had to have a letter directly from them. 

So the deposits were unable to be set up until beginning of XXXX. But this was after calling Wells Fargo, and them repeatedly denying my inquiries. Also, blocks on accessing their website from outside the U.S. presumably. I explained to the agent that my promotion required my direct deposits but he said that I needed to come into a bank branch which is physically impossible. 

Still, I deposited values, equaling over {$29000.00} during the months of XXXX, XXXX and XXXX, which meets the requirements for deposits within 150 days over 3 consecutive months. The bank representative XXXX XXXX in customer care at first told me that they were not made within first 3 months ( not as promotion period stated ). When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states cumulative monthly total, and she refused to honor it. 

To beware : 1- Wells Fargo prevented me from setting up direct deposit through their " safety measures '' while I was out of the country, disallowing me from quickly satisfying terms. 
2- Wells Fargo read an absolute ( or partial ) sum of one month to say I did not qualify, instead of the cumulative sum that they placed in their offer. 

This is misleading and very regrettable, and I hope to advise others to not fall into a promotion that they do not intend to give.

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 2020-07-03
Company: DISCOVER BANK
State: AL
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 120 days late payment on the dates XX/XX/2020 to XX/XX/2020. 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 2019-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 looked on XXXX XXXX and saw that there was an extra credit card being reported. This account was opened XX/XX/XXXX. The individual was making payments consistently up until XX/XX/XXXX. At this time I was added as an authorized use to this account without my permission. I would never add myself to anyone 's financials, I won't even be on the same phone plan as someone else. I called Capital One, who issued the card, to remove myself from this account. They will not tell me who owns the account that I am an authorized user on " to protect their identity ''. What about the protection of MY identity? Someone has ruined my credit and I can't find out who. I would like to take this up legally with the person but I have no idea who it is. It only shows me that it is a Capital One Card, the user is listed as " un-designated '', it opened XX/XX/XXXX, the last payment was XX/XX/XXXX, the minimum payment is {$61.00}, and that i am an authorized user. It is maxed out at 147 % credit utilization and a balance of {$730.00} They told me they would gladly accept a payment from me but couldn't tell me ANY other information. I asked to be removed and she told me to cut up my card ( I do not have an authorized user card for this account, but someone else does along with the primary card holder who is unknown )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
State: CA
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:
After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of {$380.00} from XXXX XXXX XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.

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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-19
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I am in the process of refinancing my house and during the title search 5 liens have appeared on the property in the process of investigating I have found 2 that are not in my name 1 I have identified but 2 I can not identify apparently there under a company that is no longer in business or was sold and can not find where the debt is. The 2 I am concerned about is lines 1 and 3 I know my wife 's we located that and the National Collegiate Trust   has 2 names XXXX XXXX AKA XXXX XXXX XXXX on the last 2 I would like to know how to remove them since they are not in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
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: Account status incorrect

Complaint:
Around XX/XX/XXXX I filled out a deferment request to XXXX XXXX XXXX XXXX. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-04-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
So, my account was sold to another company, and Ditech Financial stated they mailed me a check for the overage on my escrow when sent me my end of year Financial Escrow Account Disclosure Statement, which was well after XXXX when I received it. I called them shortly after I received the statement in early XX/XX/2019 to find out where my check was and after waiting fifty nine minutes and thirty-six seconds I was finally able to speak to someone. She took my information and said she would send me out another check. Well, it now XX/XX/XXXX, and I still do not have a check ; however, what I do have is yet another Financial Escrow Account Disclosure Statement dated XX/XX/2019, stating a check was sent. I still do not have my overage check in the amount of {$140.00} that I have supposedly been sent twice now. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted an IRP with Navient. None of the options are the right fit. They just keep placing me on a hard ship forbearance. No other options but to pay the monthly or keep forbearance but if I understand correctly there are only so many of those.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Georgia Student Finance Authority
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:
Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08
Company: ECMC GROUP, INC.
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:
Hello, ECMC has contacted me again regarding this debt that was closed on XX/XX/2017 because its not my debt. Now they're back to reaching out to me via email and telephone. Can someone please contact them and let them know this case was closed and its not my debt. I feel like I'm being harassed now.

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 2018-05-08
Company: Riverwalk Financial Corporation
State: MD
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:
XXXX XXXX XXXX is reporting a debt in the amount of {$7100.00} to XXXX & XXXX credit bureaus. The account is reported as open on XXXX, and closed on XXXX. I have requested validation of this debt in writing twice ( XX/XX/XXXX, & XX/XX/XXXX ), and filed disputes with both credit reporting agencies. Neither of these actions have provide verification that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: RI
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 problem does involve my name ... My my name is also being changed on this report. my social security number is being attacked by equifax and i have been trying everything possible including making phone calls to them and sending documents to clear this up. My next move if this doesnt work is to contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NV
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in bankruptcy. It was discharged in XX/XX/XXXX. My student loan with Navient was listed under the discharged debts. I knew this was unusual, so when Navient sent me a letter I told them that it had been discharged. I offered to send them the paperwork, but they said they would research and get back to me. I got another letter some months later, called, got same response. This happened again, in XX/XX/XXXX, and the person on the phone said OK, he would note it and that it would be resolved.

I then went earlier this year to get pre-approval for a home loan and found out I was in default and on the XXXX  report, essentially preventing me from qualifying.

I immediately contacted the company, XXXX, and spoke with a person concerning. They asked for the actual court documents, which I sent to them. They had someone research the issue, even spoke to the attorney that handled the bankruptcy, and called me back. They explained my error in reading the discharge. I immediately worked out a repayment plan, but now I can not qualify for an FHA loan.

I feel that if Navient had taken the time to research the dispute, as XXXX  did, this issue could have been resolved in XX/XX/XXXX, and I would not be in the situation I am in now.

I am extremely irritated with Navient for its ' cavalier attitude about this loan issue. I know that I made a mistake in interpreting the discharge, but if Navient had made any effort at all this could have been dealt with in XX/XX/XXXXinstead of XX/XX/XXXX, and I would not be blocked out of the home loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: CAINE & WEINER COMPANY, INC.
State: TX
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:
XXXX XXXX XXXX charged something against my credit report. When I found it, I call them right away. After they researched it they discovered there mistake. They call me and told me that they would take it off my credit report and also notified the collector. They did remove it from my credit report. The collector continues to call me. They tell me I am lying and that I owe this money. This is very upsetting and causes my XXXX XXXX to raise. 
They will not listen to reason. I think this is harassment. The name of the company is Caine @ Weiner XXXX. Can you help me to get this resolved?

Company response to consumer: Closed with explanation