BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overpaid charges to my loan .. unnecessary drive by inspections charges ... my loan stays the same for a long period .... doesn't look like progresses ... I have Green tree/Ditech since XX/XX/XXXX ... DITECH XXXX 2 years and half ..if not mistaken .I can submit papers ... but don't know how to do it onlineI can send by mail ... .to prove it ... phone number is XXXX ... .to cover up all this ... I was not aware they were been lawsuit ... they transfer just recently starting XX/XX/XXXX my mortgage loan to XXXX XXXX ... which by reading about them are no better than green tree, XXXX/Ditech, LLC ... it is like having twins ... of the same badness ... my phone nXXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account was opened in XXXX XXXX 's name in XXXX XXXX. I filed forms to change the account into her trust which I manage as trustee on XX/XX/XXXX. Capital One bank immediately marked the account as suspicious and froze the funds. I have repeated contacted Capital One trying to resolve the issue. 

Finally on XX/XX/XXXX Capital One granted access to the account as Power of Attorney for XXXX XXXX. 

As of today, XXXX XXXX, Capital One will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reached out to XXXX XXXX, XXXX  and Equifax buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Im writing to dispute the TransUnion record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now (XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

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 2021-04-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan sent me a notice about applying for an In-School deferment. I have not applied for an in-school deferment. I want my Cares Act normal deferment period. I took no action with FedLoan to cause this notice/change from them. I tried to call FedLoan at XXXX and no one answers the phone, no live representative, just an automated system. I tried to email them and there is no way to send them an email online thru my account when logged in. I feel this is malicious, easily overlooked by borrowers, and needs to be investigated. It is very suspicious I can not contact them to correct this. I want to be sure ALL my IBR payments to date have applied and not been reset because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a computer glitch that was TransUnion 's problem, not mines, that caused all of my inquiries to be deleted. I then noticed that TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them to my report. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I called on XXXX XXXX, 2017 at XXXX and on XXXX XXXX, 2017 at XXXX in dire need of assistance of getting this corrected. Both representatives were rude and abrasive and the second call on X/X/17 I asked to be transferred but was disconnected on after being on hold for a very long time.These inquiries add a hardship and that your rights were violated by TransUnion. I truly seek and ask the help of CFPB to help me in an effort to make TransUnion stop victimizing me.I do request a full resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2019-03-13
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: Account status incorrect

Complaint:
I have attempted on numerous occasions to dispute the false negative 60 day late payment on my credit report from XXXX. Only to be told it was accurate when it couldn't possibly be. The months before and after the month started to be 60 days late are both on time. Aside from that, I never have had to make a payment and was in school. I have mo idea what happened to cause this. I believe that they misallocated payments or messed up with a deferment/forbearance somewhere and they refuse to take responsibility. And fix it. Please help. My credit is suffering from this. Also the loan on there is from 2005 and has been transferred twice now, I would like it taken off completely.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

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 2018-07-11
Company: Experian Information Solutions 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:
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 
I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 
My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 
I demand reinvestigation this dispute for account information from XX/XX/2017-XX/XX/2017 " XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 
I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send 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 explanation
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good morning. Ive been trying very unsuccessfully to have an issue resolved with Navient about discrepancies on my credit report. These discrepancies have adversely affected my credit score and caused me to be denied because of these errors. Ive called several times and the associate has said they would get pass on the information to a manager for resolution. The issue is that my loan ( even with XXXX XXXX  ) had been in forbearance at various times. However, when I began to work I was able to have payments automatically taken out each month on a combined balance vs. two balances. Even though the payments have been coming out monthly, Navient still has several ( at least 13 or more ) missed payments showing up on my credit report. This should not be because of forbearances and monthly payments. When I could not pay, I kept this balance in forbearance. 

Not only that, these late items seem to have a fee associated with each of them which increases my debt. This must be corrected and I have tried and tried to get this resolved through Navient. I saw the lawsuit and was wondering if this has something to do with it as well. I need Navient to clean up this financial mess they have caused me. Additionally, Ive worked for XXXX  for several years and Navient will not accept me into the program to release debt after so many years of on time payments. I have at least six years or more of continuous payments which I should be able to use. I was denied because of the sort of loan this is under, but that does not seem right especially when payments are being made without fail on a continuous basis. I also want those fees and the added debt incurred monthly backed out of my balance. 

I seems like Navient is trying to keep me indebted to them vs. helping me to eliminate this debt. 

Please respond. 

Thank you, because I really need my credit report cleaned up like yesterday!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: OR
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:
Reported to XXXX, XXXX and Experian that the balance has been paid in full still reporting that I owe the amount.

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 2019-03-13
Company: CITIBANK, N.A.
State: PA
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:
I am in the process of putting in a new heat pump for the home as it went out. I went through the XXXX XXXX program. I applied for the XXXX XXXX XXXX Account on XX/XX/2019 that is issued by Citi. 

I completed my application and submitted with my new address where the heat pump will be going into as I recently purchased that home on XX/XX/2019. I did not put my current address as I have put this house on the market and in the process of moving. The screen let me know that additional information was needed. I called same day XX/XX/2019 and spoke to XXXX. He was asking me to verify my current Citi Card by providing the CVV code as a step of authentication which I did. 

I informed XXXX that I have an initial fraud alert on my credit report and understood the verification process. The fraud alert consumer statement stated to contact the applicant at XXXX to verify prior to issuing credit as I placed this alert when XXXX XXXX data was compromised and I was part of that breach. 

XXXX informs me that my credit application was denied because of the consumer statement on my credit report. I asked to escalate to management because under FCRA regulations, as a consumer I am allowed to protect my credit and creditors I deal with have the obligation to verify me as the person applying. I was transferred to XXXX, a member of management whom simply stated that Citi guidelines state that I needed to contact XXXX regarding information on my credit report. I asked if my denial was credit related and she stated no because I know it would not be credit related as I just made a home purchase on XX/XX/2019. I asked for clarification and explanation as manager was very vague and stated that information she could provide was very limited. I was perplexed by this because I am calling from number on credit report fraud alert and they could have picked up the phone to call it as well to verify as the consumer alert states, but they rather just create a guideline that is restrictive to obtaining credit and against FCRA regulations. She then stated that I would be put on hold while she could see what she could do, then the call was disconnected on Citi 's end. I tried getting back to XXXX XXXX XXXX phone number I had just dialed but I could not bypass the automated queue as my application was denied and speaking to anyone was not an available option even when hitting 0. 

I want to make this formal complaint against Citi for borrower discrimination against FCRA regulations when it comes to placing an initial fraud alert on credit report as I am allowed to. There is no freeze on the credit, simply an alert for creditors to verify.

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 2019-03-13
Company: CITIBANK, N.A.
State: FL
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 filed a dispute for a charge of {$540.00} in XX/XX/XXXX for merchandise that I never received. On XX/XX/19, Citi APPARENTLY sent a letter indicating that the merchant had responded. I say " apparently '' because they certainly didn't send ME the letter as I never saw the letter. In looking on Citi 's  website in an obscure and hidden area, I have now found the letter that they are claiming they sent me. 

In it, is enclosed the merchant response, which is essentially blank and does NOT include tracking information of any kind proving receipt of the merchandise. They reversed the conditional credit anyway. When I contacted them today, I spoke with XXXX ( a supposed supervisor in the Kentucky call center with employee ID of XXXX ) who indicated there was nothing further they could do and that the case was closed. 

I indicated my outrage as to how on earth they could accept a response from a merchant WITHOUT any proof of tracking number or merchandise delivery, when the very NATURE of the dispute was merchandise not received. It fell on deaf ears and now I'm stuck paying for merchandise that I never received. I'd like something done about this if at all possible.

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 2017-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Re : XXXX XXXX Dear XXXX XXXX : This is my final attempt to contact you regarding my request for your company XXXX XXXX to remove the XXXX air conditioning unit and any and all other components installed in my home on XXXX XXXX, 2016. I have tried to resolve this matter with you ( XXXX XXXX ) and XXXX XXXX XXXX since XXXX XXXX, 2016.  Ive contacted XXXX XXXX XXXX Credit Card to dispute the charges of {$13000.00} and to conduct an investigation in to the manner in which this account was opened. I have made several attempts to resolve this mater amicably. XXXX XXXX has not made any attempts to contact me regarding removal of this unit. Your company called and offered me {$500.00} weeks ago and last week XXXX called asking for my email address to send me some sort of warranty information. Each time I requested the removal of the unit and each time I was told that they would have you call me back. To date I 've yet to hear from you. Therefore youve left me with only two ( 2 ) options Ive listed below 1. I could have a XXXX Authorized Specialist remove  the above referenced unit and deliver it to your office at your expense. 2. I could have a XXXX Authorized Specialist disassemble the above referenced unit and store it in my garageand charge XXXX XXXX a storage fee. 3. I want you to realize that you have removed to working units from my property when I ask you to leave them. You have lied to me, stating the EPA requires you to remove units or be fined XXXX dollars. I have verified this EPA. and it was found that you lied. Please contact me within five ( 5 ) days from receipt of this letter ( no later than XXXX/XXXX/2016 ), so that we can settle this matter. If no response by XXXX XXXX, 2016, I have no choice but to pursue the above referenced options. Your prompt attention regarding this matter is greatly appreciated. You may only contact me via email at XXXX. Regards, 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 2019-03-13
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection for a utility bill I never used. The services appear to have originated from the creditor XXXX XXXX. I have never used services with this company nor provided anyone else my information to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am eligible for the PSLF Program. In the fall of XXXX, I submitted documentation to XXXX XXXX   but have still not received a status update despite reaching out to them numerous times. Each time, I have been told they are still working on going through the records. By my calculation, the first of my loans should be " forgiven '' in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection reporting on my credit for an outstanding balance due to medical services. I have never had services performed with this particular network provider. Nor do I recognize the charges that were made. This information is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017

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