BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/17 at XXXX Eastern was the last call. There have been several others that I did not log the time ( I will if this continues ).
I XXXX XXXX XXXX as my source of income. The phone number involved is a mobile phone that I use for work. Passengers need to be able to contact me. I have received multiple calls from Portfolio Recovery after telling them to never contact me on my business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
BBVA-Compass admitted to making an accounting error ( CFPB Case # XXXX ) which left me with a {$20000.00} bill and not a mortgage. I request the right to have the bill converted back to an up to date mortgage. Because at the time of the accounting error, I was making timely payments. Also, I want to be allowed to refinance the {$20000.00} mortgage at the current interest rate based on my credit scores : XXXX, XXXX ; XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I contacted Freedom Mortgage after receiving notice from XXXX XXXX that my taxes had not been paid by my escrow as they had been for many years. I contacted Freedom to have them corrected this and a few days later a representative from the company called me and told me that they were taking care of this and that it would be corrected. A month later and the issue is still unresolved and the tax bill is unpaid. Freedom had sent a message in their online message system that counters the phone call from the representative that said everything had been corrected and taken care of, instead the online message has basically told me that I have to pay it and they're not taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete 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 explanation
Consumer complaint received 2017-11-30
Company: CORELOGIC INC
State: NC
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:
Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have called twice within the last week to obtain information about my eligibility for and options regarding repayment plans, due to a change in circumstances. Navient the loan services has refused me information and has attempted to tell me that they can not discuss what options I have available to me until I have an outstanding payment or negative balance on my account. I have asked to be informed of my choices and options and let them know my circumstances will be changing. They are hostile and uncooperative. They are unwilling to discuss my options and are telling me that until I have a statement that shows a payment needs to be made or I am late on payments they can not discuss my options. I have previously had issues with this servicer and I know that when your account is past due they are unwilling to work with you as well. It appears they are attempting to stall in order for me to be late and the company to capitalize on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Received a denial letter from Bank of America- Alaska Airlines Credit card, for a credit card that I never applied for. Letter was dated XX/XX/2019.

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 2017-11-17
Company: PNC Bank N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, on XX/XX/XXXX I made a payment to XXXX XXXX for {$1000.00} using my new PNC Cash Rewards card. The purchase was meant to meet the {$1000.00} requirement within the first 3 billing cycles to receive a {$100.00} cash back rewards offer. I also assumed that the {$1000.00} would get a 1 % kickback ( on normal rewards ). I noticed that the rewards had n't posted to my account, so I called PNC. A representative advised that my {$1000.00} purchase did n't qualify for the rewards, which I contested. I was then sent to a supervisor, who also refused to work with me. When I mentioned that I was going to file a CFPB complaint, he escalated me to XXXX in the escalations department. XXXX advised me that he would advocate on my behalf and work towards making an " exception '' for my {$1000.00} purchase ( he made no promises ). He also gave me his phone number, XXXX, and told me he would follow up with me shortly. Well, it 's 15 days later, XX/XX/XXXX, and I have n't heard back. I 've called him several times and left him several messages, and have not received a return call. My {$100.00} reward still has not posted. I 've used other cards for a similar purchase and have never had an issue in the past. I read the terms for the rewards and my purchase does not fall under any restrictions. PNC has their merchant code flagged incorrectly. All around, this has been a very bad experience with PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number ****XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: SLM CORPORATION
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have 5 loans and together it has left me with $ XXXX in debt. I would like to pay for the true value of my degree and not the inflated rate set by the universities. I would like for my loan amount to be reduced or to apply for loan forgiveness / bankruptcy. Private loan companies shouldnt charge me more than I make a year and that has to be accounted for. I need a way to consolidate my debt. 1 of my loans was also sold without my knowledge and XXXX XXXX hasnt been able to produce proof of the sale or put me in contact with the company it was sold too. XXXX XXXX essentially diversified my loan to a different company to make money off of it. Many of my loans also do not add up. I graduated college XX/XX/XXXX. My payments are suppose to begin 6 months after that date. My payments began XX/XX/XXXX. It is currently XX/XX/XXXX and my loan had jumped {$8000.00} in 2 months? I feel like XXXX XXXX is not tracking properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
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. 
All accounts listed above are resulting from the identity theft that should be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XX/XX/XXXX I took out a loan with Spring Leaf financial ( Per conversation with Spring Leaf and her consumer credit report ). XXXX XXXX, Spring Leaf, and One Main Financial merge companies. My consumer credit report states the loan was closed on XX/XX/XXXX due to refinance of account. On XX/XX/XXXX there was a civil judgement filed against me stating that I took out a loan for {$5000.00} with XXXX XXXX and it was unpaid. I contacted One Main and they stated they sold the account to Spring Leaf. I contacted Spring Leaf Financial and they indicated to me they had sold the loan to XXXX XXXX. I contact XXXX requesting copies of the orginal loan documents with my orginal signature stating I have a {$5000.00} loan with XXXX XXXX they stated they do not have the file however the original loan from Spring Leaf had been written off. We are asking for a satisfaction of Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, 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:
I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( XXXX, Equifax, XXXX ), as well as the secondary companies XXXX  and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was switching banks. I was going to transfer funds from XXXX account to Chase account. I was told by branch manager that the easiest way to do this was to write myself a check ( up to XXXX ) and transfer money slowly that way. This was on XX/XX/XXXX. 
I went home wrote check from XXXX account to myself for the amount of XXXX and took a picture on mobile app to deposit it. Check denied as front was not signed as I had made mistake. I signed check, took picture again and attempted to deposit. Account closed hours later for " fraudulent activity '' I called to re-open and they would not. Spoke to multiple people on multiple days. Was told on XX/XX/XXXX after going to branch I opened account that there was nothing they could do to re-open account but not to worry it was closed and check would NOT clear my current account at XXXX. 
On XX/XX/XXXX the check cleared XXXX XXXX. Chase claims they were not in my account, but on mobile app with XXXX it clearly shows it was deposited in JPM Chase account. 
I have called relentless amounts of times. Sent emails and no one can " find '' the money and if they do find the money tell me it can not be released. Stating it was fraud. I explain the situation time and time again to them and that I made a simple mistake that most people make daily and it does not matter. They still currently have my {$2000.00} and still no one can tell me when I will receive this money, IF I will ever receive the money and any sort of time frame for what is going on. 
I would just like to get my {$2000.00} back as I am currently in the process of buying a home and going back to school. It is MY money and I should have access to it regardless of the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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:
15 USC 1681 SECTION 602 A STATES I HAVE RIGHTS TO PRIVACY!

15 USC 1681 SECTION 604 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT WET WRITTEN AUTHORIZATION!

CREDIT REPORTING AGENCY THAT THIS COMPLAINT
IS ISSUED FOR HASNT BEEN SENDING ANY LAWFUL AND/OR LEGAL PROOF OF DEBT BEING EXACTLY MINES ACCORDING TO THE FAIR CREDIT REPORTING ACT AND HAS BEEN VIOLATING ALL OF MY PRIVACY RIGHTS I HAVE SENT IN MULTIPLE DOCUMENTS STATING PROOF AND STATEMENTS SHOWING THAT IAM A VICTIM OF IDENTITY THEFT. I HAVE REQUEST FROM THIS COMPANY MULTIPLE TIMES FOR PROOF OF AUTHORIZATION AND PROOF OF VERIFICATION AND MOST OF ALL WET INK SIGNATURE OF ORIGNAL CONTRACT STATING THAT IAM OBLIGATED AND IAM FOR SURE THE ONE THAT OWES THIS DEBT OR ANY DEBT STATING AND BEING REPORTED FROM THIS COMPANY WE ALL KNOW THAT THIS COMPANY IS MOSTLY OPERATED USING A EOSCAR WHICH IS AN AUTOMATED SYSTEM THAT DOES NOT VERIFY OR VALIDATE FLESH AND BLOOD BUT ONLY THROUGH ELECTRONIC VERIFICATION USING PERSONAL INFORMATION THAT CAN BE OBTAINED THROUGH MANY FRAUDULENT AND TRAGIC SITUATIONS AND PLEASE BE AWARE AND HOPE NOT FORGETTEN THAT THE EQUIFAX DATA BREACH OCCURRED BETWEEN XXXX AND XX/XX/2017 AT THE XXXX XXXX XXXX EQUIFAX.PRIVATE RECORDS OF XXXX XXXX AMERICANS HAS STOLEN AND I MAY COULD HAVE BEEN A VICTIM OF THIS UNLAWFUL AND ILLEGAL IRRESPONSIBLE OF CONSUMERS INFORMATION CREDIT REPORTING AGENCY. 

CONTINUING OFF OF CASE NUMBER # XXXX CREDIT REPORTING AGENCY THAT THIS COMPLIANT IS ADDRESSED TO CONTINUES TO PARTICIPATE IN FRAUDULENT ACTIVITIES TOWARDS MY CREDIT REPORT ALONG WITH ASSISTING AND ABIDING NOT ONLY FRAUDULENT BUT ILLEGAL COMPANIES WHICH CONTINUE TO REPORT AND DEFAME MY NAME AND PUBLIC RECORDS ALONG WITH DAMAGING MY CREDIT SCORE AFTER MULTIPLE ATTEMPTS OF ASKING FOR PROPER VERIFICATION AND VALIDATION AND TO SEND ME THE CONSUMER A PROOF OF SIGNATURE AND AUTHORIZATION According TO THE FCRPA. AFTER SENDING IN MY POLICE REPORT AND MY IDENTITY THEFT REPORT FROM THE FEDERAL TRADE COMMISSION THIS COMPANY STILL KNOWINGLY AND WILLFUL INCOMPLIANCE WITH NOT ONLY THE LAW BUT WITH THE FCRPA THIS AGENCY CONTINUES TO SEND Falsely AND MISLEADING AND INCONGRUENT INFORMATION RELATING TO THE CURRENT INVESTIGATIONS AND DOCUMENTS SENT TO COMPANY AND BEING RECEIVED FROM COMPANY BUT COMPANY CONTINUES TO FALSELY MISLEAD THE CONSUMER FINANCIAL PROTECT BUREAU AS WELL PLEASE SERIOUSLY INVESTIGATE THIS AGENCY AND THEIR WAY OF HANDLING CONSUMERS INFORMATION AND THE FRAUDULENT ACTIVITIES THEY ASSIST ALLOW AND/ OR ABID IN. 

ALL INACCURATE AND ERRORS AND VIOLATIONS HAVE BEEN MARKED IN ATTACHMENTS ALONG WITH FTC REPORT AND POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Jdmnt was awarded for an old apt complex back in XX/XX/XXXX for {$850.00}. They are reporting it to credit as XXXX as of XX/XX/XXXX, I filed a dispute with the credit bureau and they responded with a copy of the contract and fees that didnt even add up to the amount they are reporting, so I filed a 2nd complaint and they mailed a document in the mail that just said the debt is valid. I have reached out to the company since XX/XX/XXXX requesting different documents and they have yet to comply. On XX/XX/XXXX I served them certified mail with a notice to validate the debt and provide documents because I disputed the amount they are reporting. They are not allowed to contact me while in dispute and they called me that same day to tell me they received my attorney general complaint and document and that it was fwd to a mang, but wanted to know what my intentions were with the debt. I advised when they provide documents to me to substantiate there claim then I would get back to them. They also called me again today XX/XX/XXXX @ XXXX, I just rejected the call due to them not being able to contact me and they are well aware of that as they are violating The Fair Debt Collection Practices Act by contacting me. I have documentation that I will also attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Colony Brands, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately. Along with age of the account for removal. Ive reached out to the company and was informed it has closed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 Days and I haven't received any investigation results.

Company response to consumer: Closed with explanation