BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: Rent Recovery Solutions
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX ( property management company ) reported I had an unpaid debt from an apartment I lived in almost two years ago. This had to do with pet damage and payments were made to the office. No invoices were provided and no verification was provided that debt was paid in full. When I attempted to contact the management at the apartment complex after payment to inquire about the final payment, I received no return call or return email. I NEVER received an invoice in the mail or notification that this debt was not paid. The apartment complex was XXXX XXXX in XXXX, KY and I understand that the management company no longer manages the property. 

After being contacted by Rent Recovery Solutions and told that I had a collection of {$1000.00}, I contacted XXXX  XXXX to speak with the management about the matter. I was informed that XXXX no longer managed the property and I would need to contact Inland directly - which I did. I called and spoke to someone about the claim and she stated someone would call me back to discuss - which they never did. 

Being that this occurred so long ago, my daughter and I have tried to find the various sources of payments we made. This accounted for almost {$600.00} of the debt ( not counting the check my daughter wrote in my presence and handed to management which they NEVER cashed. This information was submitted to XXXX. I have attempted to contact them again via email and by telephone numerous times and have left at least 3 voicemails. This dispute is now showing on my credit and I want to make sure it goes no further. This is showing on both mine and my daughter 's credit in dispute. I work for a mortgage company and I know what something like this can do to my credit score. We moved out of our apartment in XX/XX/2019 and the payments were made through XXXX. The new management at XXXX did tell me that they have had numerous complaints from others in the same situation with regard to the old management company. 

All I want to know is that this matter is not going to report as a collection. In talking to Mrs. XXXX at Rent Recovery, she gave me two wrong email addresses to send my documentation to and now that I finally had it submitted, I now can not get hold of her or anyone to tell me what is going on. Please help me find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. I requested a two-month suspension on my home mortgage from Wells Fargo after contacting them at the end of XXXX, over the phone. I was told I was eligible for forbearance for my XXXX and XXXX payments and to call back mid-XXXX  to request a deferment/extension of my loan. 

XX/XX/20 : I tried to request deferment through the Wells Fargo automated phone service and was given a response that I would be contacted within 7-10 days to set up. 

XX/XX/20 : I received my statement with a note that my mortgage payments were suspended " for a period of time ''. 

XX/XX/20 : I called XXXX and was left on hold for over 40 minutes until I had to leave the call. 

XX/XX/20 - I sent two emails through the Wells Fargo website asking for instructions and/or help on requesting a deferment. No replies were received. 

XX/XX/20 : I called XXXX - After an hour on hold my call was picked up. Over the phone with the representative I set up a deferment for XXXX, XXXX, and XXXX, but I was told no written information could be sent to me about the agreement, through a letter or email. So the company will not provide any information that I can read or keep for my records explaining the changes to my loan payment. 
Supposedly the representative will enter " log codes '' on XX/XX/20 that will start the forbearance and I will start making regular payments starting for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : 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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-16
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear sir or madam, I opened citibank account package and deposited {$15000.00} on XX/XX/XXXX. 

Account Package during the offer period of XX/XX/XXXX to XX/XX/XXXX ( account opening date XX/XX/XXXX ) 2. ) Within 30 days of opening the new eligible checking account make a deposit of {$15000.00} or more ( in one, or more than one, deposit ) in New-to-Citibank funds into 1 ) the new Eligible Checking Account and/or 2 ) the new Eligible Savings Account. ( deposited of {$15000.00} completed on XX/XX/XXXX ) 3. ) Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit ( Please maintain the {$15000.00} until XX/XX/XXXX ) 4. ) If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. ( 90 days from XX/XX/XXXX, so it will be on or before XX/XX/XXXX that {$400.00} will be credited ). 

I kept {$15000.00} in Citibank account package until XX/XX/XXXX, and then {$10000.00} until XX/XX/XXXX. 

I am supposed to received {$400.00} bonus on XX/XX/XXXX. I called Citi bank customer service and was told that I met all bonus conditions, but she don't know why I did not receive bonus. She helped me to file a ticket on XX/XX/XXXX Reference:XXXX Dear XXXX XXXX , Thank you for your recent inquiry, case # XXXX has been opened. 

Sincerely, Citibank Customer Service I was told that problem will be solved in two days, after two days, I still didn't receive bonus. I called it again and spoke to a supervisor. She also said that I met all conditions, but Citi bank back office was reviewing why I didn't receive the bonus, It would take 10 business days. I will receive bonus on XX/XX/XXXX. She also sent an email to their back office to escalate the case. 

On XX/XX/XXXX. I still don't receive the {$400.00} bonus. 

Please help me to solve this issue. 

Thanks 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 monetary relief
Consumer complaint received 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America is not willing to help me retrieve my funds totaling over {$12000.00}. They insist that there is a time-frame in which they are able to help me and I am outside that time-frame. I have sent documents explaining the fraudulent scheme of the merchant which explains this time-frame but Bank of America refuses to look over the documentation.

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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: JPMORGAN CHASE & CO.
State: MO
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:
CHASE credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a XXXX. 

Was notified by XXXX that they had taken over my CHASE card account, so worked with them to address the issue rather than run from the problem. 

Due to XXXX I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, XXXX, Sagestream and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Old information reappears or never goes away

Complaint:
XXXX was ordered by the court to remove the loans from consumer credit reports due to a class action law suit.

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 2018-11-16
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since living in XXXX, I have had numerous issues with the PNC at XXXX in XXXX. The latest is that they tacked on an {$85.00} fee as this is the 'second year ' that I have had this credit card and they charge every year except the first, according to PNC .

However, I had been with PNC in XXXX for 6 or more years and had had the same card all that time, with no fees tacked on at all. I had an excellent relationship with the PNC in XXXX, XXXX, and had no problems with them. 
I believe that they are fleecing me over here - my friends who are with other banks think that maybe PNC over here has financial problems, or perhaps that they are taking advantage of me because they know about my funds at another financial institution. 
You have not yet helped me with this bank, and I believe that they are taking advantage of me. Also, I am XXXX years old, and should be protected by someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
Hi I am happy to know you can assist me this this error XXXX XXXX has made on my credit report. The mistake is that on XX/XX/2018 i was speaking to XXXX XXXX  on the phone I had asked them when they were going to mail out my credit card they acted like they already did when in all reality they did not do so they have failed to mail it out by mistake and have all said to my knowledge it never left their office facility I believe because I had called several times and they kept saying they have mailed it out and each time it was a different date said and they were just reading notes off the screen from different representatives who meant to mail it out to me but never did and I know this is is because of them getting confused with the fact that I had filed a claim with cfpb and XXXX because they put in that I asked for a credit increase in XXXX then that was changed. Then a mistake on my account newly appears that what XXXX  XXXX has opened up a new account on the XX/XX/XXXX without my consent and it shows this is my credit report and has lowered the score by like 72 points they did this when they mailed out a new card they put it in as lost or stolen and opened up a new account for my account protection but instead this is not what needed to be noted or filed they did not have the right to open a new account and did it without my permission I found this out when viewing my credit report. Since then XX/XX/XXXXhas failed to want to take this off of my report and says it should appear as two accounts and says that it's XX/XX/XXXX's fault, and shouldn't be worded as two accounts and says there is a note on it saying it was reported by me as lost or stolen and I did not report it as lost or stolen or ask them to list it as a new account I need them to remove the old account then if this is how they has handled this when I never asked for this I asked when they were going to mail out the card it had been three months of me calling them and each representative told me a different date that it was to be mailed clearly they messed up my account by opening a new one without my consent on XX/XX/2018. Thank you CFPB can you please help resolve this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on 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 2020-10-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XX/XX/XXXX durning the height of covid while I was working as an essential worker, I used my Macy 's American Express card to buy groceries at XXXXXXXX XXXX. The total purchase was XXXX. I did not receive an email notification I had a bill, nor did I receive a bill in the mail. 

All my credit cards are on auto payment and I thought this account was on auto payment as well. XX/XX/XXXX, I was charged a XXXX late fee. No one reached out via phone, email, or mail regarding account status. 

On XX/XX/XXXX, I was charged another late fee of XXXX plus interest. No email, or mail letting advising me of account status but someone did call on XX/XX/XXXX. As soon as I found out I had a balance on the card I immediately paid while I was on the phone. Payment went through on the card XX/XX/XXXX. The customer service rep credited me back one of the late fee XXXX which was appreciated. I thought everything was good and taken care of. 

After filling out a mortgage application, my credit score that had been XXXX to XXXX was dropped over 50 points. Went I looked into the massive drop in my credit score it was due to Macy 's America Express / CitiBank had reported my late payment after I paid them in full. Knocking my credit down 50 points substantially changed my mortgage rate. I reached out to customer service no less than 4 times. Asked for investigation and a review what they reported. Explained why I thought I had the account on auto payment, that I had not received a bill in the mail, via email, and no call until XX/XX/XXXX regarding account status. Although the reps seemed to want to help nothing was done about what Macy American Express reported to the credit bureau and my credit score is sitting at XXXX when it should be at XXXX to XXXX. The " late payment '' on my credit score is the only ate payment I have because again I always pay my credit cards in full on time. This can be verified and I am more than happy to provide documentation and/or my full credit report to prove that the one late payment they reported to the credit bureau dropped my credit score by over 50 points. This practice is extremely harmful especially durning a time of a global pandemic.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: MO
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 credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a deployment. 

Was notified by XXXX that they had taken over my XXXX  card account, so worked with them to address the issue rather than run from the problem. 

Due to deployment I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}.

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on 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 2019-03-30
Company: CL Holdings LLC
State: MN
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:
My father called this company to get this issue resolved as this number we NEVER had ... but my father passed away and now they are reporting it on my credit. The creditor is XXXX XXXX XXXX. They were unwilling to do anything about this after we informed them this was NOT our number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation