BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX at XXXX I received a phone call. Gentlemen asked for me by name. I asked who was calling. He said his name and the company too fast to understand. Ask him to repeat. He repeated it slower and I was able to understand. I dont remember his name but he was calling from diversified consultants. I never confirmed or denied I was the person he is looking for nor did I verify any personal information. I simply said how can I help you. He proceeded to tell me he was calling from a 3rd party debt collector for XXXX and I owed {$140.00}. I ended the call. He gave out information regarding a debt to somebody who could have been a total stranger to the person he was looking for. 
On XX/XX/XXXX at XXXX I received another call. I said you have incorrect information and was hung up. At XXXX on XXXX i received another call. I was not very polite but told the lady they already called and talked to some one that day and couldnt call again. She said they could call up to 3 times a day and they didnt call. I told her they could call 3 times if times if a message isnt left or they dont talk to anyone. She repeated they never called that day and was angry I was rude to her and hung up. 
On XX/XX/XXXX i received a letter in the mail. It states they are collecting a {$140.00} debt from XXXX. I have contacted XXXX. They have no record of me owing this debt.o have not contacted diversified consultants yet because of poor reception but plan to tomorrow. 
They are attempting to collect a non existent debt, violated privacy laws, and made repeated phone calls in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Holder of a savings account and a checking account died in XXXX, Massachusetts. The widow of the decedent filed probate and was appointed Personal Representative of the Estate, and requested of Citibank, N. A. that the accounts be closed. Citibank said they did not exist. We sent to them their own correspondence with the account numbers. Citibank then requested a notarized letter of instructions, to close the account. That was sent. Citibank has repeatedly asked for the same items sent to them several times, promises action when called on the phone, and the only response is another form letter. Citibank after saying the account did not exist, sent a letter saying that we had to act as otherwise it would be treated as a dormant account and apparently go to the State In response to my sending the package of back information and copies to the Director of Operations Support on XX/XX/2018, I received a letter dated XX/XX/2018 requesting a copy of the English translated death certificate, foreign letters of testamentary and a notarized letter of instructions, with an attestation from the United States Consulate. I called Citibank to remind them that this was a death and a probate in Massachusetts, was told that an account representative would assist me, and was left on hold for about 28 minutes until I realized that no one was going to pick up the phone.

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 2021-02-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2021 I had found a company online to purchase a item I called them and someone texted me back and after added me on XXXX we discussed the item and how it works then I sent him XXXX dollars for an item to be shipped to me I used XXXX from my chase account. Come to find out the guy wont send me my item claiming my payment did not go through and he did not receive it. So I called my bank and they assured me my XXXX  payment went through after I called XXXX n confirmed the payment went through. After I called the guy back and still he insisted he did not received the payment the company I used was called XXXX  XXXX XXXX  and the XXXX XXXX user and as XXXX  XXXX. I tried to tell my bank and send them prove of messages I have n the prove of websites and that I was scammed but they deny to help or get my money back I called XXXX and they told me the same that I lost my money. Is there anyone that can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last month I found a collection account in my credit report there was medical bill amount {$1000.00} charge date XX/XX/2017. 
Current Creditor XXXX XXXX XXXX XXXX Original Creditor ; XXXX XXXX XXXX Contract ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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

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 2021-11-10
Company: EQUIFAX, INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted this company several times informing them that i did not consent to. authorize nor benefit from any of these inquires ; therefore their reporting of them is inaccurate and incorrect. 
1 XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX  XXXX XX/XX/2020 3. XXXX  XXXX XXXX  XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called XXXX, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On XXXX internal system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over XXXX dollars a month.

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 2022-04-02
Company: EQUIFAX, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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

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 2017-10-25
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX AZ called me on a local XXXX XXXX XXXX XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person XXXX XXXX XXXX XXXX my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, Navient, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called Navient, who said they had no idea who XXXX XXXX was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: PLAZA HOME MORTGAGE, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 we closed on a property we purchased. The closing documents we signed on that dated indicated one amount of {$1400.00} for the total mortgage. We later on received a mortgage statement dated XX/XX/2019 from a new mortgage company with a new mortgage payment amount of {$1500.00} that was to start on XX/XX/2019 with no explanation of the change. After several phone calls to the new mortgage company, a response was sent XX/XX/2019 was a copy of a new closing disclosure form dated XX/XX/2019 that we hadn't seen before nor agreed to that contained new amounts which changed our original mortgage payment. This was done without our knowledge or consent. There is no documentation with our signatures. I am concerned, that if the loan is sold again, the mortgage can be raised even more. Is this common practice for the mortgage amount to be changed after the original closing date because of changing closing cost? I'm confused and highly concerned on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am unable to change my contact email address or turn on paperless statements because of website errors.

I have emailed them and called them and they have not fixed the problem with their website.

There is a reason they have an average 1.5 star review on XXXX  ....

You will literally never get a response from XXXX even though that is what they tell you to email for problems ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: NY
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:
Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my XXXX XXXX credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX to XXXX with no apparent reason. Equifax reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
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:
XXXX XXXX XXXX Account number XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Account number XXXX 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

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 2017-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I wrote letters to all 3 credit bureaus because there were items being reported against my credit that did not belong to me and inaccuracies found. I requested these items be deleted or proof be provided to me on how these items were verified. XXXX was the ONLY company to respond and remove/delete the items that I requested. I filed a complaint against Equifax and XXXX for lack of response in XX/XX/XXXX, Equifax did finally respond, however they did not provide any information in their response or even include a copy of my credit report. The only letter attached was the dispute process information. XXXX failed to respond at all and I still have not received any paperwork from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We did a 15 year refi on our current home, that closed on XX/XX/XXXX. As part of the refi, Chase was so pay down our current HELOC to 0 and roll that into the refinanced amount. Even though everything is through Chase, I received a paper check from the title company, made out to Chase, drawn from a Chase account. I called the title company and after requesting some information from me, they wired the proper amount to Chase. However, Chase now refuses to let us access our HELOC without documentation saying it was a pay down, not a payoff. I've been going back and forth between the title company and the Chase refi servicing department for almost a month and we still can not access our HELOC. We are not in need of the money now but it is our back up funding for our daughter 's wedding in XXXX. Yesterday, the title company shared an email received from Chase, saying I only need to call to have the HELOC reactivated but I'm currently on hold with Chase, who have no idea what I'm talking about and still will not reactivate the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have lived at this address since XX/XX/XXXX, and I have a copy of my lease agreement, which says the same. 
The Company is XXXX XXXX XXXX, the amount is {$1900.00}, the date is : XX/XX/XXXX. The current collector is : Procollect , Inc @ XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX. The person I spoke to @ Procollect was uncooperative and hung up the phone as I was attempting to clear the matter. Since, I have returned their letters writing on the letters : that XXXX XXXX does not live at my address, and that I have lived at this address since 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 2021-04-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regions Bank offered a special promotion of paying a {$400.00} for opening an acct, doing 10 ATM transactions in the first month, and opening online statements. The bank has refused the {$400.00} payment because I failed to open online statement. They offered no reminder to do so but charged me {$4.00} for each of three months for not opening an online account. They can't have it both ways. The Executive Office stands by the letter of the promotion ... not the substance. As far as I am concerned Regions Bank stole my money. While their conduct may not have been illegal, it was certainly unethical and beneath normal banking standards. Obviously don't care about their reputation once this tactic is exposed to the general public.

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 2022-04-02
Company: Experian Information Solutions Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been a customer of XXXX for a 1 year now. I had a total of refinance 's with XXXX  maybe 3 or 4, I paid off one loan completely through my Federal Government payroll every two weeks. 

They don't explain the high interest rates, they'll be charging you before you apply ahead of time for a loan. My last refinance was XX/XX/2021 the last balance update shows {XXXX}. 

Here 's my problem the last time XXXX updated all 3 of credit reporting agencies was XX/XX/2021, the balance shows {XXXX}, but on my account it shows {XXXX} as the refinance which was completed on XX/XX/2021. I'm confused how they operate. XXXX gets a total XXXX, that's biweekly from my Federal Government paycheck that's is {XXXX} biweekly. 

Truthly I feel the company isn't being honest with posting my correct balance. 

I requested an audit of my account they haven't provided it too me. I need to know if my balances are correct. They need to update all 3 of the credit Bureau agencies, with the correct updates. They skips months of updating the my credit reporting. 

That doesn't look good on XXXX. I feel like I can't trust 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 2020-04-24
Company: EQUIFAX, INC.
State: CT
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, there was an inquiry on my credit report from XXXX, XXXX XXXX from a cell phone order. My Social Security was used and XXXX asked me to fill out a fraud form which I did and faxed it to the number they provided me. I called again after 30 days and the form was not able to be located by either XXXX or XXXX XXXX. I was being sent back and forth to talk to different agents that had no clue what to do and were not helping me at all. I then called again at the end of XXXX to and I guess they did an investigation on it which I was told by multiple agents that it was complete and the inquiry was going to be removed from my credit report within 30 days. It has been about 3 months now and the inquiry has not yet been removed. I also told them that I was in the process of getting a like of a credit for a real estate contract I had and it was going to be denied if the inquiry was not removed since it effected my score a lot. They did not seem to care and continued to say it will take weeks for it to be done. I filed a complaint with the XXXX XXXX XXXX which I received a response from the company about them not receiving any fraud forms. Also, I included all the info about the issue and they closed the complaint without doing a thing to remove the inquiry. This is getting to be ridiculous over something that was not authorized by me and I am being affected by it.

Company response to consumer: Closed with explanation