BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to TransUnion and XXXX about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of 2019. XXXX and TransUnion told me they verified with a company but I sent a letter in XXXX with method of verification to both XXXX and TransUnion and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.

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 2019-05-23
Company: AMERICAN EXPRESS COMPANY
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 previously filed a complaint against American Express several months ago due to the charges of a dispute. Complaint ID XXXX. You might want to look it up. They sent you a letter saying the charges would be removed. It is now 3 months and 6 total letters from American Express over the past 9 months saying the dispute has been resolved in my favor and a refund does not appear on my statement. Can I file criminal charges against American Express due to their lack of accountability and fraud. Why? Nothing has been done by them or your organization.. Another useless government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Convergent Resources, 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: Account information incorrect

Complaint:
XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided. 
XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed. 
They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.

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 2020-07-02
Company: Financial Data Systems
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:
Reporting inaccurate information on my reports with the Credit Bureaus

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 2019-08-31
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: Personal information incorrect

Complaint:
I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX XXXX ONLY ) my DOB isXX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX none of these are accurate please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Quality Assets is trying to recover co-pay from a doctor visits. The doctors office will not render service on day of appointment unless co-pay is paid at time of service. My credit is being effected by these derogatory claims and my credit standing is very good. 

I would like Quality Assets to provide consent of dialing mobile phone number.

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 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XX/XX/XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3.  My FTC report 4. My Small claim form

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 2018-08-31
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Receivable Performance Mangement LLC is trying to collect money, property, etc by using setting up a real estate scam in my name. They first started by buying undeveloped land in XXXX, Washington and then keeping the funds that they stole from my trust account @ 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 2019-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 American Express APPROVED me for a Platinum Card with a {$550.00} annual fee. I applied for an American Express Blue Cash Card on XX/XX/2018 with NO annual fee and they declined me. Even though American Express used the same exact credit report with the same exact information to use in the XX/XX/2018 application as they did on the XX/XX/2018 application. The only reason American Express approved me for the Platinum card is because they know I will pay the annual fee. I have had eight American Express cards in the past few years, all in good standing, ( I closed them ). In American Expresses recent responses to my CFPB complaints they have been untruthful. The fact that they used the same credit report to approve me for a card with a {$550.00} annual fee and declined me for a card with No annual fee. This action shows that they are just trying to extort more fees out of me. The reason in the prior complaint I asked them to waive the annual fee is because they have shorted me XXXX membership points. They have done nothing to rectify this. American Express is a big company, and it is easy to overlook unethical practices. XXXX XXXX thought they could get away with it, but they got caught. I am hoping American Express will as well. They are very unethical with extremely terrible customer service. The Platinum Card they approved me for on XX/XX/2018 has since been downgraded to a Gold card with a {$250.00} annual fee. My credit & scores are actually a lot better since XX/XX/2018. My XXXX XXXX score ( XXXX ) .. XXXX XXXX score XXXX. XXXX Score fico XXXX is ( XXXX ) which American Express uses. XXXX ( XXXX ). American Express needs to be seriously looked into for ethic violations. Even though American Express used the exact same credit report to Approve me for an annual fee card & declined me for another. Maybe American Express is treating me unfairly because of my ethnicity. I can not think of any other reason other than extortion why they would treat me unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage increased abruptly. I called the mortgage company and I was told that the reason for the increase is due to the home owners insurance. I then called the home owners insurance company and informed them about the increase. the Home owners insurance company set up a conference call with my and the mortgage company. The mortgage insurance lied on the conference call and informed the home insurance company they never received payment. Please be advised my Home owners insurance is deducted every month along with my taxes on my mortgage. I will also upload all documents. The conference all was conducted around XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
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: Account information incorrect

Complaint:
I sent in documentation that items on my credit report were inaccurate. I provided the proof and they were not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is a complaint re Wells Fargo Bank and their obstruction to my efforts to close my account with them. They earlier responded to a complaint I made to the Washington State Attorney General 's Office ( AGO ), saying they would waive fees and represented that an account can be closed in several ways. All of which clearly turns out is untrue. 

I have since made efforts in-person, online, and by phone to close the account, all without success. They simply direct you to go to a branch location. I went to the branch located at XXXX XXXX XXXX in XXXX today ( XX/XX/31 ) and AGAIN requested to close the account. I was given more run-around about processing cycles and that the account could not be closed until XX/XX/XXXX. I was also ( falsely ) told the account can be closed on line, and/or to call the same number I had earlier tried only to be told to go to the branch. 

It is a never-ending run-around while Wells Fargo assesses fees against the account each month. They have since charged me another {$60.00} in fees ( {$30.00} per month for XXXX and XXXX ) since promising to waive fees and close my account. I obtained a bank check for the balance of my account on XX/XX/31, but was given more excuses at that time about why the account couldn't be closed. 

Again, all I want is to close my account and the ADDITIONAL fees they have charged since I first made this complaint ( {$60.00} ). I have screen captures of the website showing that there is NO option for closing accounts online as I have been told. The telephone line tells you to go to the branch and the branch always has some reason why they can't close the account, i.e. processing cycle, system down, etc. ( and they send you back to the telephone line ). It is total nonsense.

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 monetary relief
Consumer complaint received 2019-09-01
Company: Navient Solutions, LLC.
State: AZ
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:
Navient loan services, formerly known as sallie Mae is reporting that we have a late payment every month and that we are defaulting on a student loan. 
This was a personal loan, cleared by Bankruptcy chapter XXXX filed back in 2009. They are saying I went to school at XXXX and that is incorrect, as I have attended the university. This was a private loan that they included themselves in and got payment from the bankruptcy. They have been calling and pretending to be a federal loan. This loan on the credit bureau, shows it is a charge off/ bad debt. Yet they report every month that its a late payment. They got money out of a chapter XXXX, marked our credit with bad debt/ charge off, and are now reporting that our payments were good up until a few months ago and are destroying our credit. While we are trying to go through escrow. 
This company is a fraud and they are liars. They started collections with XXXX a long time ago, and that is who we put in our bankruptcy. And when they changed their name to Navient they started to threaten by by phone this is unacceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My original student loan with Navient was {$7700.00}. It is now {$12000.00} down from {$14000.00} at it's height due to diligent payments. I feel like I'll never get it paid off. While in school ( XXXX to XXXX ) and during a phase of unemployment during ( XX/XX/XXXX to XX/XX/XXXX ) they offered forbearance as my only option. I took it. Then they capitalized my interest in the amount of {$5500.00} and charged a repayment fee of {$390.00}. My interest rate is now 11 %. My payments go to pay the interest on the interest, barely touching my principle. I've called them to ask for a lower interest rate. They have refused multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Their record keeping is less than professional and their staff is untrained in providing options for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank closed my account last year XXXX with funds of {$290.00} they said they sent a check which they sent it to an address I havent lived in 6years I called them they stated they sent another check to the nee address but they didnt put the right apartment I called a third time they stated they I had to send a copy of a bill which I did in order to prove I resided at the address i never got a response so I called them they send they received it and they would resend it and I would receive it within 5-10 business days and I still havent received anything!

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 2018-11-07
Company: EQUIFAX, 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:
On Monday XX/XX/XXXX XXXX  did a hard inquiry on my credit report without my permission. I did not apply for any credit and have no accounts with XXXX in collection. I had a credit card with XXXX which I closed on XX/XX/2010 and paid in full. There was no reason for XXXX to authorize a hard inquiry without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Trident Asset Management, L.L.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This organization has sent notifications to me regarding a debt that is not mine. I have mailed an affidavit stating such, and they have not removed this from my record. 

I never opened an account with this entity or any of its affiliates. I have stated this in my response affidavit to the alleged said debt of {$800.00}. I also do not have any credit cards in my possession at this time, other than two debit cards from two banks. I do not agree to any contract unless I can sign it with my wet-ink signature. Otherwise, I do not contract in any way. 

This organization knows this as I have explained it to them before. But they continue to send me itemized documents, balance sheets, payments and payment notices, et cetera, to an account I have never had anything to do with. They have not shown me any proof I hold an account with them, and they will not find such proof, thus needing to remove this damaging report from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX XXXX offered me a 12-month repayment plan through my servicer, Seterus, so that I could get current on my payments. 

I made the XX/XX/XXXX and XX/XX/XXXX payments as scheduled but then, at the end of XX/XX/XXXX, I learned that my mortgage was being transferred to a new servicer, Mr Cooper.

As early as XX/XX/XXXX, I had submitted inquiries to Seterus regarding what I saw as an inaccuracy in the calculated monthly payments which bundled XX/XX/XXXX as a 'delinquent ' amount into the repayment amount spread out of 12 months on top of the base mortgage. 
The problem, as I saw it, is that XX/XX/XXXX was not delinquent when this was calculated in XX/XX/XXXX. 

When Mr Cooper took over my mortgage servicing in XX/XX/XXXX, I reached out to them at the beginning of the month for instruction on how to keep paying my monthly repayment plan. They told me I would have to wait until early XX/XX/XXXX to receive instruction. So, for XX/XX/XXXX I was unable to make a payment.

Then, in XX/XX/XXXX, I was able to set up an online account and make the next payment. 

On XX/XX/XXXX, I sent an email to Mr Cooper 's research department stating that I wished to pursue the issue of the inaccuracy on my repayment amount. To date, they have not responded to this request. 

This week, I received a letter from them ( dated XX/XX/XXXX ) stating that I had not made any payments towards my repayment plan so they were replacing this offer with their own trial modification offer. This letter is completely inaccurate. Since XX/XX/XXXX, I have made 3 payments towards my plan. The only reason I didn't make a payment in XX/XX/XXXX is because Mr Cooper advised me to wait while they processed my files. 

When I attempted to make a payment this month, I found that they had replaced my 12 month repayment amount with their own trial modification amount. 

I do not wish to take their trial modification. I wish to continue with my 12 month repayment plan and have made best efforts to do so since my loan was transferred to Mr Cooper.

I have written them an extensive letter which I will upload, along with this complaint, that contains a detailed timeline of my communications both with Seterus and Mr Cooper.

The desired outcomes of this complaint are # 1 -to have Mr Cooper correct its information regarding how much I have already paid toward my repayment plan # 2 - to look into my concern that the monthly repayment amount, because of the way it was implemented by Seterus , is actually too high and # 3- to let me continue making payments on the 12 month repayment plan worked out with XXXX XXXX last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This organization has placed a negative report on my credit. I have never heard of this organization. I have responded to their allegation of debt, found they bought this debt from yet another entity I have not heard of. 

Since I do not own any credit cards and never have, I could not have opened up such an account as is alleged. I do not sign any contract unless it is in front of me and I can sign it with my wet-ink signature. I DO NOT sign any contract electronically or online as that is not a true binding contract. 

This organization needs to show such a contract for this debt to have anything to do with me, as I am certain I never contracted as they allege.

Company response to consumer: Closed with explanation