BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2021-10-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing placed a collection on my credit file, after my debt validation letter response to the original collection notice received via mail. The letter sent on XX/XX/2021 clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/2021, with a letter notifying them of their non response and their responsibility to comply with the law regarding collections. Convergent Outsourcing is now in violation of the FDCPA rules.

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 2017-07-11
Company: Netspend Corporation
State: WV
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: Card was charged for something you did not purchase with the card

Complaint:
On these dates things was purchased that I was n't aware of and didnt pay for myself. I was unaware of this until I looked at my account. I thought I was loosing money but I did n't know how or where so please help me get it back.   Date :  XXXX   XXXX     2017 amount : {$75.00} Date  :  XXXX   XXXX     2017  amount : {$50.00}

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 explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: CA
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:
There was an inquiry on XX/XX/XXXX from CBNA/BBY and they have been continuously doing this every month. Currently, my wife and I are in the process of buying a home and obviously any inquires can hurt our position. We did not ask for an increase or a new credit card from them and do n't know why they would pull credit on XX/XX/XXXX and do it every month.

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 2022-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear to whom it may concern. 

We are attaching 2 documents that show that qualifications were done for a {$400.00} promotion. 

This is the second time Wells is unfairly and unwilling to deposit monies that are rightfully due to a customer.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my 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 non-monetary relief
Consumer complaint received 2020-09-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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: Problem with personal statement of dispute

Complaint:
XXXX reported me to Chexsystems for overdrafts. Those overdrafts were not my fault. It's not my fault I was scammed and receive fraudulent checks. The overdrafts were caused by those bad checks. I have paid them the amount I owe so they need to remove me from Chexsystems. Remove me from Chexsystems.

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 2017-07-11
Company: Navient Solutions, LLC.
State: PA
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:
Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I called Lendmark Financial and advise them that I had made a {$350.00} payment towards my loan on due date of XX/XX/2022. I adv. the representative helping me with call that I wanted {$280.00} applied towards my regular payment and rest {$60.00} towards principal only. I was advise that could only be done if I call someone over the phone and instruct them to apply it that way or to walk in the branch and pay there and have them applied that way. My issue is why can they apply the payment I already paid through them via phone application the way im asking. I feel like they are steeling from us consumers with already high interest rate well over % 35. I also called corporate to resolve this and all they did was xfer me to a supervisor the branch location where I got my loan. Manager was not available for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: The CBE Group, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A previously removed account fro m CBE Group ( acc  #  XXXX  ) was removed from my   XXXX   report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my  XXXX  collection report. The collection company and  XXXX  are in violation of the FRCA, and this account need to be 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 explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2017-11-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Filed prior complaint ( XXXX ) with CFPB on XXXX/XXXX/XXXX. Chase XXXX XXXX XXXX XXXX filed a response on XXXX/XXXX/XXXX and provided an amortization schedule of what new payments will be on my Heloc. Letter stated new payments consisting of principal and interest were to begin on XXXX XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX called me to notify me that he had sent a response to my CFPB complaint and stated my XXXX payment would be XXXX. XXXX XXXX stated that he was Chase 's single point of contact regarding any future problems with my loan. Received XXXX statement and payments were still interest only not principal and interest that was stated in XXXX XXXX, XXXX letter. After contacting XXXX XXXX and requesting to rectify the situation, XXXX finally contacted me after two weeks and stating he never received any of my three phone calls to him other than just one single request. Contacted XXXX XXXX again who reiterated he made a mistake on when the date the loan would change to principal and interest. I asked again what the monthly payment would be for the loan starting in XXXX XXXX and reiterated {$1200.00} according to the amortization schedule he provided in a response to the CFPB on XXXX XXXX, XXXX. Recieved a letter dated XXXX XXXX, XXXX from XXXX XXXX stating the payment error. 

On XXXX XXXX XXXX, XXXX I went on Chase 's website to make my XXXX payment and the payment was not what the amortization schedule stated on XXXX XXXX, XXXX that was sent as a response to me through the CFPB portal. I have made my XXXX payment on XXXX XXXX, XXXX and request that Chase provide 1. Newly corrected amortization schedule. 

2. Credit on my account of the difference of what I paid ( 1537.66 ) and what the amortization schedule payment XXXX. 

3. Print out of all phone recording that Chase has regarding all my phone calls with XXXX XXXX who clearly stated my payments were starting in XXXX and now changed according to a letter dated XXXX XXXX, XXXX to XXXX of XXXX which consist principal and interest I have left two messages ( XXXX XXXX, XXXX and XXXX XXXX XXXX ) to XXXX XXXX and two messages to his supervisor XXXX XXXX. Received no response by either. 

I have had my loan with Chase for 10 years and have never missed a beat paying my loan. I do n't know what the problem is but needs to be rectified ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MI
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-09-21
Company: Avadyne Health Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hi I am writing to complain about some money that I lost in a BMO Harris account. I tried to make two payments for my auto insurance to XXXX XXXX. After almost a week my XXXX XXXX account still have not received payment. I contacted XXXX XXXX and got to run around so I just put a stop payment on both payments. I was then charged for for total stop payments. The amount in question is around {$800.00} So then I tried to initiate two more payments to XXXX XXXX. The money was again deducted from my account but XXXX XXXX never received the payment. I never saw the deducted amount again and I finally had to close my account with BMO Harris because I was afraid that after being double-charged and losing money that they would do something even worse. I have contacted BMO Harris and they do n't know anything about the {$800.00} which was deducted for a second time and never paid. They just state that it was covered by the original stop payment. So somehow I think they were applying to stop payment to my second attempt at payment and then deducted the funds and just plain lost them. Please advise and thank you 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 2022-02-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/XXXX my mother XXXX XXXX of XXXX TX. passed away, since the home had a reverse mortgage associated as a first lein notification was made to the original servicer. PHH Mortgage provided a welcome letter dated XX/XX/XXXX upon transfer of the loan from RMS Mortgage. When contacted initially we were advised there was a pending foreclosure date and at that time a Covid extension was granted The issue is anytime I call that date changes and an additional extension can not be granted. I'm writing today as a consumer and mortgage professional concerning the lack of adherence to XXXX XXXX Covid guidelines and the potential borrower harm caused by PHH when the information the staff provides certainly misleads those who may be grieving the loss of a loved one. I was told today XX/XX/XXXX the sale is scheduled XX/XX/XXXX, however when I pointed out the staff member prior to stated it was XX/XX/XXXX and the assigned SPOC said it was extended to XX/XX/XXXX the SPOC XXXX stated she had to check with her manager on which date was correct and for me to expect a return call. Well I'm still waiting... 

Needless to say we are at a loss as how to proceed since the property currently is being sold and has a closing date of XX/XX/XXXX per the buyer. 

Please help not just this family but the thousands of beneficiaries subjected to such harsh treatment during this reverse mortgage 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 2017-11-16
Company: CITIBANK, N.A.
State: AZ
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:
I had unauthorized charges on my account. I called Citi Bank 's customer service to report the charges as fraud and to dispute them. Citi Bank issued a new card upon my request. The merchant ( XXXX ) then charged me a " non-return '' fee for not return the items that were purchased fraudulently. When I called Citi Bank about this new fraudulent unauthorized charge, I was told that the original charges do not appear on my account ; they began a new dispute and I was issued a credit. Citi Bank reversed the credit 3 months later after the merchant response. Upon calling Citi Bank again I was told that my case was never sent to the fraud department and remained as a merchant dispute. I was told I was transferred to fraud/security. They advised I send a reply letter. I received an email on XX/XX/XXXX notifying me of a letter dated XX/XX/XXXX ( it took 3 days to notify me ). Citi Bank stated the charges were valid and were closing the dispute and that if I wished to continue Id need a credit slip which I dont have because the charges are fraudulent. Upon calling, I was told that my case was never transferred to the fraud/security department.

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 2017-11-16
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/XXXX I began dealing with a man claiming to be a vendor for equipment for my business. I was told that in order to purchase the equipment I needed to set up a merchant services account. On XX/XX/XXXX plans were made for me to pick up the equipment 700 miles from home. At that point I gave my banking information in order to set up this account. Upon arrival to pick up the equipment I discovered it did not exist. I called my bank to ask them to put a block on my account because I was afraid this man would try to draft my account for equipment I did not purchase. After driving the 700 miles back home I checked my account just for my peace of mind and discovered that he HAD. My bank account was in the negative. It was late in the evening so I went online and chose the online chat option for dispute. I was assured that a dispute was put in place. The next morning I went into my bank to make sure the dispute was filed. I was told that it had been more than 24 hours since the draft had taken place so they would not file a dispute. It had actually been within the 24 hour period but they told me that at XXXX XXXX they consider your 24 hours over. I was promised that my case would be sent to escalations. It has been weeks. I 've spent hours on the phone, emails back and forth with the escalations departments getting the same answers over and over. A police report was filed 2 weeks ago and the report number sent to the escalations department at the request of the last woman I spoke with. The police called and asked me to file a FBI report as well, based on the complexity of the fraud. All of this has been reported to my bank. They still refuse to refund my money and have added overdraft fees continually throughout this process. They are also charging a daily fee for my account being in the negative. The branch manager has removed some of the fees but not all : just what she was allowed in her position. 

The merchant services company that I was told I was working through was named XXXX XXXX. The charges have been made by a company called XXXX XXXX. I have also called this company repeatedly to no avail. I am told a case is set up and being investigated and will receive an email 5 minutes later stating that my case has been closed. In the police report it is stated it is stated that this is the most sophisticated case of fraud within the company that the investigator has seen. This is why I was encouraged to file a FBI complaint. As it turns out the " vendor '' for my equipment is an agent for XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
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: Account status incorrect

Complaint:
TRANSUNION is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. TRANSUNION has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. TRANSUNION has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & TRANSUNION to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. 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