BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Re : CBE GroupXXXX. They call me at XXXX almost everyday. I have advised that the person they are trying to reach is not me nor at my number. Yet they continue to call. I have tried to block the call but they continue to call me. No sure what else I can do. I have had this same phone number for more than 40-years so I can not figure out why they continue to call. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I also submitted a complaint with Bank of America : XXXX I needed to wire-transfer XXXX to a XXXX account ( in my name ). This had to be done today ( XX/XX/2023 ). My wife transferred XXXX from her BOA to our joint account. The website and app said that the money is available ( see screenshot ). 

I went to a BOA financial center ( XXXX XXXX XXXX, XXXX MA XXXX at XXXX on Friday XX/XX/2023 ) to make the wire transfer. There, I had to wait for an hour ( until after closing time ) and then was told that my money is not available because the XXXX are " processing '' - despite the fact that this was a transfer between two BOA accounts which both had my wife 's name on it and despite the fact that BOA own website said that the money is " available ( as of today ) ''. 

I therefore couldn't do the transfer on time today and I am now facing losses of between 200 ( minimum ) and 600 Dollars. I am supposed to be a " Plantinum Honors client '' but that surely means nothing for BOA.

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 2019-03-29
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new loan that was originally w XXXX XXXX. It was sold to PNC. I made the first payment to XXXX XXXX I paid an additional {$800.00} + above my payment amount which was to be applied to principal. XXXX XXXX  made 2+ months payments charging me double interest. I called them explained my intention was to apply all to principal not to pay multiple months. They corrected the payment and the loan was sold to PNC. PNC is not giving me credit for the $ XXXX For reasons unknown to me. I began contacting them the first week of XXXX by phone, and email. I keep being told its under review. It has been almost 2 months since the payment in question was made. I dont know what to do ; but I do know what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These following inquiries on my credit file are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-12-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/19, I had an Extended ( 7 year ) Fraud Alert placed by XXXX, this fraud alert was reported to XXXX  and Experian. On XX/XX/19, I authorized an electric company ( XXXX XXXX XXXX ) to run my credit in order obtain free financing. I was informed by XXXX XXXX XXXX they could not obtain my credit information because Experian would not release same. Experian had the following statement associated with my account : " connect check plus summary Code X Fraud Alert deny services. '' I contacted all three credit reporting agencies and inquired if there was a " security freeze '' on my account. All three denied there was a security freeze. I contacted Experian a seconds time and they could not or would not assist in removing this information from my account. I never authorized or request that a security freeze be placed on my account by any credit reporting agency.

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 2018-02-09
Company: Nelnet, Inc.
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:
Nelnet approves the loans obtained from XXXX. Nelnet should have obtained my XXXX XXXX application in XX/XX/XXXX at which time it would have been approved as it was in XX/XX/XXXX. XXXX  acknowledging that a XXXX XXXX XXXX is on their XXXX XXXX  loan program approved list should have disclosed the program to me back in XX/XX/XXXX. The loan/program process was delayed for years as XXXX failed to disclose the XXXX program to me which delayed & continues to delay the process/closure of said process. 

XXXX despite knowing from XX/XX/XXXX-XX/XX/XXXX ( undocumented call post graduation XX/XX/XXXX at which time disclosed my head injury and was informed of the now 6 mo grace period ) that I had suffered a XXXX XXXX XXXX in XX/XX/XXXX due to an XXXX  and continued to be XXXX from it today was never offered the XXXX XXXX  program option. I was constantly steered into other loan programs that allowed accumulation of funds/interest. 

I wish to know why in a specific response : 1. I was constantly steered into money producing programs benefitting XXXX, but was never offered the XXXX program as an option. 

2. A XXXX XXXX XXXX definition is listed under XXXX 's allowable XXXX XXXX loan program therefore why was it never offered to me when you knew I am suffering a XXXX XXXX XXXX and it is an allowable injury/illness under the XXXX XXXX  program as a loan remedy/option? 

Having the knowledge of what illness/injuries fall under the XXXX program but failing to disclose the program appears to be a failure to provide available proper loan programs to those they serve, possible a civil rights issue. As per their own criteria they knew I qualified for their XXXX loan program and per their own XXXX illness/injury standards but failed to disclose the XXXX loan program option to me. 

I request you ask XXXX as XXXX XXXX XXXX   are listed under their XXXX XXXX program as an allowable injury why did they deliberately deny me since XX/XX/XXXX the right to apply for the available XXXX loan programs by deliberately steering me only into loan programs that financially benefitted XXXX and disallowed me to right to the XXXX loan option. XXXX approved my XXXX XXXX but it was delayed for years unnecessarily as XXXX deliberately failed to disclose the program option that would better meet my needs due to my XXXX. My medical documents prove clearly my XXXX XXXX   occurred on XX/XX/XXXX and continued through XX/XX/XXXX, as it does today. This documentation shows also that I qualified for the XXXX XXXX XXXX back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$52.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of 2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I thought I closed a Citi Card account months ago.  Now they are telling me I owe them $XXXX and they will report me to a collection agency if I do not pay.  If that account has a $XXXX charge THEY PUT IT THERE.   I haven't used the card, I shredded it after I thought I cancelled it.    I have tried to contact them both by phone and online  and all I get is another sales pitch.   How can I get rid of 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-04
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DEAR CFPB - WE SUBMITTED THIS COMPLAINT TO YOU XX/XX/XXXX, AND IN LESS THAN 24 HOURS WE GET A REPLY  STATING THAT DITECH IS UNABLE TO RESPOND DUE TO : The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation. THIS IS BEYOND INCORRECT! PERIOD. DITECH IS BEING DECEITFUL and further DITECH IS THREATENING US WITH FORECLOSURE DUE ITS OWN GROSS FAILURE AND  INABILITY SO PROPERLY RECORD OUR PAYMENTS! HOW CAN THIS BE ACCEPTABLE TO THE CFPB. DITECH IS LYING TO YOU BY SAYING THEY ARE UNABLE TO RESPOND - - -- THEY ARE ***UNWILLING***** TO RESPOND. DITECH KNOWS IT IS WRONG. AND ITS A COP OUT THAT THEY SAY THEY ARE UNABLE TO EVEN SEND A TIMELY MONTHLY MORTGAGE STATEMENT!?!?!?!?!?!? HOW CAN THE CFPB AND FTC ALLOW THIS COMPANY WHO MERELY CHANGED ITS NAME FROM GREENTREE TO DITECH DUE TO THE COMPLAINT YOU THE CFPB INITIATED AGAINST THEM IN XX/XX/XXXX FOR THESE EXACT SAME PROBLEMS GREENTREE PERPETRATED TO THE CONSUMER WHICH THEY ARE STILL PERPETRATING!!!!!!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
It has come to my attention that you are reporting With your company to my consumer report that is illegal according to the fair debt collection practice act Delete those transactions or delete payments from my consumer report Affidavit of business information for credit purposes It is come to my attention that your company and organization Have reported several inaccurate accounts on my business credit profile. According to the fair debt collection practice act, 3rd party creditors must provide Proof and accurate documentation of a contract between a consumer and said company. 
XXXX XXXX XXXX XXXX for the record This company has no agreements with any 3rd party debtors and Majority of consumer debt It's accurate and current please remove all misinformed information from our company consumer credit profile remove all late payments or collection accounts. Update consumer accounts to paid As agreed. Please reflect for the record all XXXX XXXX XXXX XXXXFor the consumer profile of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. 
these non-account holding inquires with : XXXX XXXX card, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, syncb- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2019-12-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is my loan servicer for all of my federal student loans. I have a mixture of un-subsidized and subsidized federal student loans. ( 6 in total ) I have been enrolled in auto-pay for all loans since the time I started paying on the loans ( 6 months after graduation ). Dated : XX/XX/XXXX Auto-pay has always withdrawn the minimum payment due on the loan. For one of these loans, the loan with the highest interest rate, I have paid ahead each month to pay this loan off faster. With no notice or any change to the autopay agreement, Navient has decided to push all auto-payments back to start on XX/XX/XXXX since I am ahead on my payments.

This is completely against the auto-payment enrollment agreement that I originally signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to gain access to my funds in my bank account since XX/XX/2019. After countless visits to different Huntington branches, numerous calls to the support desk, and 3 different monthly statements in the mail - nothing has been done. When talking to Huntington representatives - they tell me that theyll call me back with more information, yet never do. They tell me they dont know when Ill get my money. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2019-12-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A credit application was applied for in a store. TJmaxx put an inquiry on my report. I already have a card with them, I was never in the store on that date, nor would need to apply for credit. I have contacted them and Synchrony bank countless times.

Also the inquiry address and cell of the actual person who inquired was not my information nor cell number. Now 2 months later it has not be removed. Nor was I sent the investigation information as promised 3 times.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX Owed : {$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 explanation
Consumer complaint received 2019-12-19
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new construction, single family home in XX/XX/2018 from a developer in XXXX. That developer bought a parcel of land and built three single family homes on the lot but didn't submit an application to divide the parcel to XXXX County at closing. Before the parcels were divided I received a tax bill for all three ( 3 ) of the single family homes the developer built on the parcel ( ~ {$62000.00} ). I immediately called and emailed my mortgage servicing company, Shellpoint Mortgage Servicing, and informed them of the error, as well as explicitly informed them not to pay the taxes. This was about a month before the taxes were due so they had plenty of time to amend any automated systems. Nonetheless, they paid the tax bill so my tax escrow shows a negative ~ {$43000.00} balance. I realize this is a paper error ; however, I am attempting to refinance my home to what are now historically low interest rates that will save me more than {$50000.00} over the life of the loan. But I can't get a clean payoff statement that reflects what I truly owe. 

I've made probably 40 phone calls and sent ten emails to the Shellpoint team that are always met with confusion, misunderstanding, misdirecting and generally useless customer support. This issue has been outstanding for close to five months and I've had to give up one rate lock already then pay money to lock again and keep my new rate. I've found maybe one or two customer support reps that were helpful and genuinely tried to fix my issue. The balance were rude and just trying to get me off the phone. Time and time again they implore me it's been escalated or that a manager will call but that never happens. I've tried kind approaches and I've tried to be stern but nothing seems to work. I feel like they don't care and aren't doing anything to amend their error. Just today I called the County to see if they've filed a refund but nothing has happened. I feel helpless and this mistake is costing me real money, as well as distracting me from my work and family. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation