BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I keep getting calls about my student loan when the statue of limitation is up. This loan is still showing on my credit report. I called and tried to make several payment arrangements and I could n't afford the payments that were offered. I also am aware of a recent lawsuit that was taken out on the loan provider for those same issues that were affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
called citi on XX/XX/2020 shopping for a 0 % balance transfer offer. accepted one for 12 months 5 % fee. at no time was i made aware that the term would run from when the offer was made and not when it was accepted. citi claims the offer was made in XXXX and while i might have received a mass mailing about balance transfer offers i was not specifically made aware on XXXX that the term began in XXXX before i was even aware of the offer. if i had been made aware i would not have accepted the offer for 12 months which was in reality an offer for 10 months.

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 2020-11-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was at XXXX XXXX on XX/XX/2020 to apply for a credit card and they refused me. I ordered my free credit report at experian.com to see what was the reason. It was because I had some negative accounts that I don't even know what they are for or why they are in my credit. I asked my wife if she had added these accounts, but none of these accounts are hers or even has them on her credit report ( 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 ) these accounts listed do not relate to any transactions that I have made. These accounts are in my credit because of identity theft and I need these accounts to please be removed because they are not mine. I filed a police report with XXXX XXXX Police. i have never applied for the credit cards or credit and i have not ever used there services, cash or merchandise

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 2019-06-25
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There can be no excuse for inumeracy at any bank! Personnel must be able to do such simple arithmetic such as subtracting my birthday year from XX/XX/2019 to determine my age! 

I was asked my birthday yesterday by a Charles Schwab Bank client advocate. I gave him the date! He then incredibly asked for my age! This went in three ( 3 ) until I finally hung up in disgust! 

The unauthorized charge by XXXX for {$75.00} on XX/XX/2019 was, therefore, not placed in dispute by this bank! 

How can I or anyone else for that matter trust a bank whose personnel can not subtract the birth year from the current year to determine my age? I can not! 

How can the USA maintain its position in the world when bank personnel do NOT know how to do subtraction? The XXXX ranks Americans among the most mathematically illiterate people in the developed world!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Me and my husband signed a lease with the XXXX XXXX XXXX in XXXX, FL in XXXX XXXX. My husband, XXXX XXXX, was the only one to sign and re-new the lease in XXXX XXXX. In addition, he was the only one staying at the apartment at this time due to the fact we separated before he re-newed lease in XX/XX/2017. Now this company, XXXX XXXX XXXX has applied a collection of {$3100.00} or more on my credit account saying that owe them for past rent during the months that XXXX XXXX was the only person on the lease. This debt is not mines and I am not responsible and I told the collection company. They claim I re-signed the lease in XX/XX/2017 but that is a lie because I was already moved out and separated from XXXX XXXX before that time. I believe this company has committed fraud against me by forging a copy of my name on the lease for XXXX XXXX. My estranged husband, XXXX XXXX, has agreed to sign an affidavit admitting that my statement is true and he is the only person responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have previously disputed with transunion, XXXX and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-10-18
Company: Receivable Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
receivable recovery service placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C System placed an account on my credit reports without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.

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 2018-01-20
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Google Compare Credit Cards Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am unable to remove my stored XXXX credit card ending in XXXX that I had on file with XXXX XXXX XXXX for 2 cancelled subscriptions under the account number XXXX login : XXXXXXXXXXXX Please read my account number and email above so that you are looking at the correct account. This complaint is under my XXXXXXXXXXXX Google account. Please do not close this complaint without investigating fully. XXXX XXXX XXXX closed my original complaint but my XXXX is still there. I can see it now. See screen prints attached. 
Also I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I have tried for 3 days to call and email XXXX XXXX with no results. XXXX XXXX XXXX. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX, XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion. This is unacceptable.

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 2022-03-07
Company: Experian Information Solutions 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 have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH PORTFOLIO RECOVERY ASSOCIATES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Old information reappears or never goes away

Complaint:
I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Information on my report that has not been validated after sending in numerous identity theft reports and validation letters

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 2021-04-16
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
1. I have not had access to over {$15000.00} of my own funds since XX/XX/XXXX. I reported a fraudulent charge at that time, and US Bank put a security hold on my account. I tried for months to get the hold removed, and finally it was removed in XX/XX/XXXX after I filed a complaint. Since then, I have called twice to request a card so I can access my funds. US Bank claims they mailed me a card twice, most recently on XX/XX/XXXX, yet I received nothing. All my other mail comes with no issues. Clearly, they are just not mailing the card. I believe it is their intention to deny me access to my funds. 

2. The original fraudulent charge from XX/XX/XXXX was never investigated by US Bank. I filed a dispute in XXXX, and US Bank quickly closed it without investigating. I called back, and they said they needed a police report. I sent the police report, once by fax, once by mail. Still they have done nothing. The charge is still on my account.

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 2021-10-18
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
XXXX  card dcfs.. and XXXX  unemployment for almost a year off and on at XXXX XXXX , plus XXXX XXXX XXXX XXXX XXXX purchases under the other XXXX XXXX and are compromised and my emails keep getting back, and making additional ones. Moving money in my name at banks and have insurance on phones purchases through XXXX XXXX and theft and loss assistant and addition. I verified acct made a claim on an XXXX XXXX, due to Al acts being shut down and they absolutely sabotaged me and Ive called police and reported it and I know it was someone in my home now, due to my ignorance of how things work and I wasnt getting anything sent by email or mail. So how do I know for a year or so what has been in my XXXX besides my mail informant that the post office made for me like 3 years ago which the person goes behind me and has changed that and XXXX and cashed out my kids cd and has changed info and bday where they wouldnt pull it up and did that with XXXX  XXXX also but now it is back to Normal with that.Im waiting on XXXX and grant. money and they said to apply for funding and grants as I did and was approved and it say XXXX web XXXX XXXXXXXX  like XXXX  ) XXXX has said hijack browser and I just want it to end and keeping financial aid money through bank mobile and also school at XXXX and sign and run my credit score daily for years please look into everything Im saying please. Dont know what else to do and Im out of options here. They have used remote access control access as att said and apple, as I called capital one and acct there I dont have the number so they wont give me the info. Also at regions and this has been going on changing my numbers and my credit report was supposed to be friezes and XXXX  it and its XXXX pages long with experian. Also student loans I havent been to school since XX/XX/2018 and they have also off and on at dept of education. Everything is messed up purchases and my child support XXXX XXXX and any fund I had applied for and I do not know what to do Collecting unemployment got me shut off insurance XXXX and my 18 yr old and ebt and I am located in Louisiana where storm just hit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In mid XX/XX/XXXX, I was contacted by this company about an outstanding balance from XXXX. This company stated my name, but gave an address that I havent previously lived at before. I filed a complaint with the BBB, explaining that I had not made the purchase, and asked for evidence. The company stopped contacting me, until today, XX/XX/XXXX. I once again stated that I had not made the purchase. The agent stated the same address that I had never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: WA
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 am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I changed my mortgage company in last XXXX due to change in interest rates. The loan is for 30 years on fixed rate of 2.5 %. I kept asking the company about the amortization statement but was only given after I signed the loan closing documents. When I received the Amortization Statement I realized that the Amerisave Mortgage is charging 84 % of the total interest in first 15 years which is half of the loan repayment period, more then 55 % in first ten years and more then 28 % in first five years. This is not fair with me. The law do not allow any business to charge interest in advance. This way I am losing my savings and profits on savings to the mortgage company. On other hand mortgage company is gaining extra profit by investing my money in their business. Please help me sort out this situation. If the loan is for 30 years then the principal amount should be charged in equal payments of 360 instalment vice versa the interest should be charged on remaining balance of every month. They are keeping the principal payments low to hide the high interest they are charging on every instalment. I have attached the amortization statement I received after the signing of closing document and also the present loan statement. I also worked out how the loan repayment should be and have submitted herewith. The mortgage company will end up charging XXXX dollars extra in interests if they follow their schedule.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2018, & XX/XX/2018, Bank of America address XXXX XXXX XXXX XXXX, DE XXXX placed hard inquiries on my credit score I talked on to customer service to request help from them on what would be a good credit card for my first ever credit card to get started they referred me to high end cards such as the travel rewards cards which there was little to no chance that I could receive, this is now negatively effecting my credit for their poor judgment on referring me to a high end credit card for my first credit card to apply for. On XX/XX/XXXX I called them back because I did not receive a letter in the mail after 5 business days so I thought the credit card request did not go through therefore I called back and instead of looking at my history and telling me there was a letter on its way they had me apply for another credit card that was not possible at the time for me to receive again bad on their customer service and really negative to helping someone at the age of XXXX get their first credit card. after several business days I received letters in the mail stating I have no credit score yet therefore I can not receive these cards. On XX/XX/2018 I applied for a student card with Bank of America after calling in frustration why the cards they recommended me for did not get approved they then recommended I apply for a student card but since my credit was negatively effected from their recommendations for my first 2 applications I was not accepted for that card either. VERY FRUSTRATING being only XXXX and trying to start a positive credit line. I then finally gave up on Bank of Americas poor customer service and recommendations and got a XXXX   XXXX journey card which I was immediately approved for. I would like to fix these hard inquiries and have them taken off my credit score on XXXXXXXX XXXX, and XXXX 

Thank you for your time and I hope that this can be fixed.

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