BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

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 2022-08-05
Company: EQUIFAX, INC.
State: FL
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 AND XXXX Account # 's XXXX andXXXX, 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.

15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: D2 Management LLC
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:
In XX/XX/XXXX I began getting calls from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX  ph XXXX E-mail : XXXX Website : XXXX ) and they were trying to collect a debt from a XXXX XXXX and Mrs. XXXX. I complained to them that ph # XXXX  belonged to me and has been my number since XX/XX/XXXX. After filing a lawsuit on XXXX XXXX XXXX through XXXX XXXX XXXX , XXXX, they agreed to stop calling me. But in turn XXXX XXXX XXXX sold my personal information to D2 Managent ( XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX ) who has been calling me to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, Equifax and XXXX  credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Check Check XXXX View Check {$1200.00} XX/XX/XXXX Electronic Check XXXX XXXX XXXX XXXX XXXX MtgPayment XXXX {$1000.00} XX/XX/XXXX Electronic Check XXXX XXXX   XXXX XXXX  XXXX MtgPayment XXXX {$1100.00} U.S. Bank has held these funds in " Suspense ''. 
XX/XX/XXXX Received notice of default from U.S. Bank. 

I am now facing foreclosure despite making timely payments.

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 2017-12-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In 2014 for about 6 months I was going back and forth with Nissan on my auto-pay to pay my monthly lease. Every single month someone would tell me to set-up my auto pay and I did. For some reason every month the payments were not going through. So every month Nissan would call me when I was late. It was a monthly frustration. Lastly the last call I believe I had someone walked with me over the phone to set-up auto pay over the phone and from that day it was n't a problem. I had the money, I had a job and making monthly payments to many things at the time but for some reason my confidence was in the auto pay. I had not had confidence in it I could of mailed the checks to avoid being late. I tried working with Nissan on the matter but they really showed me they do n't care about me. They just want my money. No customer satisfaction on the finance side apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: LA
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:
I have had someone to use my personal information to attempt to open accounts in my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: CITIBANK, N.A.
State: CA
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:
I attempted to make my rwgular payment of {$100.00} per month. The customer service told me I needed to pay {$170.00} because I was over my limit of ( {$5500.00} ). When I opened my account I never agreed to be allowed to charge more then the limit given. 

I was allowed to charge {$800.00} over my limit. I was advised in 2009 companies were not allowed to allow the consumer to use more then their credit limit. 

I was told today I must bring my account current to avoid incurring over limit & late fees. 

I do not feel this is right.I feel they took advantage.

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 2021-02-20
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of an online scam in which a fraudulent check was processed through my account because I believed them to be the company they claimed to represent. As soon as I found out that this wasn't the case I immediately called my banking institution on XX/XX/XXXX to get the check totaling in an amount of {$3000.00} dollars to be canceled in which they said that they couldn't stop the processing and I would be charged a {$10.00} dollar fee even though they knew the check was fraudulent. 

On XX/XX/XXXX I went to the nearby branch with proof that this was a scam I had been victim of. Branch manager XXXX XXXX was the one who had helped me but only stated the same things I was told on the phone. That I would have to wait and only when I returned with my mother did the manager state he would attempt to expedite the return of this check so that I could close down my Huntington account. He had also claimed to call me once the check was returned which did not happen, I had to check myself after receiving an email that I had a negative balance in my account. 

So again on XX/XX/XXXX I went up the bank branch and spoke with XXXX. The feeling that they didn't care about my livelihood or continued business with them was evident by their lack of care nor urgency with this matter even after allowing them to make copies of my in hand evidence. Even being as careless as to ask me to give him my SS number out loud with another customer present, which I did not do. My account is currently sitting at a - {$3000.00} balance that shouldn't be there at all. I do not owe the bank anything since I never spent a dime of the fraudulent {$3000.00} dollars. In fact Huntington took the remaining {$5.00} dollars in my account even though that had nothing to do with the check in question. I am worried that this will most definitely reflect poorly on my credit score and the other debit card that I recently opened with XXXXXX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
For the last 3 weeks Seller and title company have been trying to locate mortgage holder. No one has been able to help us or point us in the right direction. This loan was paid when they refinanced in XX/XX/2013and not satisfied. Mr . Seller is trying to sell the property before going into foreclosure, wife just passed and not getting anywhere with getting help with payoff OR satisfaction on this lien

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 2017-12-07
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.

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 2018-06-05
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who CBE GROUP is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CBE GROUP as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who CBE GROUP, is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CBE GROUP is indicating that an account with the account number XXXX & XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to CBE GROUP, that  authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I refinanced two of my five loans with XXXX XXXX through XXXX. Due to having made on time payments to these XXXX XXXX loans while throughout the refinancing process, the amount due was less than the amount borrowed through XXXX, resulting in overpayment of the two XXXX XXXX loans ( {$260.00} & {$380.00} ) at the time of refinancing. This resulted in a credit to the XXXX XXXX loans, leaving me in positive balance. On XX/XX/XXXX I called XXXX XXXX to request the positive balances of these two loans be applied to a loan still in negative balance. The customer service representative I spoke to replied that they could accomplish this, and I ended the call thinking that it would be handled. 

7 days later, the request still had not been completed. The positive balance had disappeared from the two loans and had not been credited to the existing loan. The transaction record for my loans showed a Credit Balance Refund for the {$260.00} & {$380.00}, but the money has not been refunded to my bank account, nor credited to any of my existing loans. Once more I called to request the credit be applied. The customer service representative stated flippantly that this was " their busy period '' and " the back office '' would need to handle this request. She stated that she would put in another request. Neither of these things were mentioned in my first call. It has now been one month since my loans were in positive balance and 16 days since I called to get the balance redistributed with no result other than the disappearance of my credits. 

As a customer of XXXX XXXX, I would prefer my requests be handled in a timely and polite manner. Neither of these elements has ever been a part of my dealings with this company. I am extremely dissatisfied with their service and actions as a company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am consumer XXXX XXXX, and I do not owe the debt that CAPITAL ONE states. CAPITAL ONE continues to violate my federally protected consumer rights. I've demanded a debt validation and I've demanded a binding contract with both my signature and CAPITAL ONE to prove alleged debt. CAPITAL ONE refuses to send accounting of alleged debt. CAPITAL ONE continues to harass me as the consumer over alleged debt that is not owed. CAPITAL ONE refuses to Cease and Desist communications on all mediums in which was posted in prior complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
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 filed for bankruptcy 10 years ago for hardship and the bankXXXX then went under. No knowledge They knew Iputbthe lian into my bankruptcy and Sold my acct when they folded. I keep calling Navient to tell them and I am being charged over6000 in fees BC they said it was from the take over, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient wont help me with my payments. Im a single mom and cant afford to make high payments on my school loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a " repeat '' of my CFPB complaint that I filed on XX/XX/XXXX, Case # XXXX, which took Equifax 9 months to correct as evidenced by my Equifax Credit File Report I received on XX/XX/XXXX, Confirmation # XXXX. The SAME error, wrong PMB #, appears in my current Equifax file which has now caused myEquifax account to be " locked ''. The wrong PMB number being reported belongs to a person whom has the same name as me. Note : My spouse, whom has the same address as me is unaffected since the error does NOT appear in her credit file. As a result, I am unable to temporarily lift my " credit account freeze '' which may now cause me to suffer a significant financial loss. I called the Equifax customer service number on XX/XX/XXXX and spoke with two overseas representatives, one a  supervisor, for 33 minutes with no resolution. On XX/XX/XXXX I spoke with five USA representatives, whom two were supervisors, for 85 minutes with no resolution. Additionally, Equifax representatives informed me there is now a " new '' incorrect address regarding the last digit in my PMB number. Supposedly, a correction is being submitted to correct this latter error, but I am still unable to lift my credit account freeze because Equifax is reporting the same error in my address that they eventually corrected per my XX/XX/XXXX CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Tried to close account and was told I could not unless going to a branch in person, I went to the branch to close the account and was denied closure due to security reasons and suspicious activity on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Starting in XX/XX/2021 received multiple phone calls throughout the day as well as letter threatening to sue. No validation of debt was provided, and debt was previously disputed before being given to this law firm which they apparently do not care about.

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 2021-03-30
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold to Mr. Cooper in XX/XX/XXXX or XX/XX/XXXX by XXXX XXXX. 

I made my mortgage payment via automatic deduction from my Checking account on XXXX XX/XX/XXXX. My bank processed it, have the paper work to prove same. 

Mr. Cooper on XXXX XXXX in an email is charging me XXXX dollars for a late payment and are accusing me of skipping a payment, when loan was sold. 

I contacted XXXX XXXX and they stated my XXXX payment was made to XXXX XXXX on XXXX XXXX XXXX. Six phone calls and I have been given the run around, being told they will take my money from escrow..i also make an extra payment for the balance twice a year, and XXXX XXXX stated I placed it on the principal, I should have placed it on the mortgage..Phone calls are nothing but stress I asked for an attorney, a person with a first and last name that I, could, deal with, and they told me to go out and get a subpeaona. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the forbearance program since the Pendemic, a few months ago I requested a streamline modification based on my financial status. I have contacted Flagstar Bank several times and spoke to different managers and they refuse to help me. I was told that I defaulted on my loan which is inaccurate because I never had a loan with flagstaff. My loan was with XXXX and never with Flagstar. I never once was given a deferral or anything else. A lot of folks I know who have a mortgage with flagstar and fall in the same predicament as I am were given a streamline modification with no problem. I am not sure why I'm being singled out. I've answered every question they have asked me and they refuse to give me the streamline modification which will benefit my financial situation right now. I am asking Flagstar to give me the streamline modification so that I can start making my monthly mortgage payments.

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