BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: MidAmerica Mortgage Inc
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting a short sale on my property ( XXXX XXXX XXXX XXXX XXXX MD XXXX ) and it has been under contract since XX/XX/XXXX. Mid America Mortgage/XXXX XXXX reviewed the file including the current offer on XX/XX/XXXX and marked the file as complete yet they have not made a decision as of XX/XX/XXXX. We have followed up with them daily to request them to expedite their review but to no avail. The buyers are getting weary of their lengthy process and is threatening already to terminate. Can you please assist in making XXXX XXXX escalate this file so we can have a speedy resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is XXXX XXXX XXXX, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Navient Solutions, LLC.
State: AZ
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:
I have/had all my student loans through Sallie Mae then later on became NAVIENT. I called and told the lender ( NAVENT ) that I was unemployed. I asked them several times to put my loans in deferment/Forbearance but NAVIENT chose not to do it. NAVIENT claims they sent me information which I did NOT received none. NAVIENT defaulted my loans and sold them so they could get pay. I have tried to solve this problem directly with NAVIENT, the department of education Ombudsman Group without success. Despite the fact the Ombudsman Group claims to be an advocate and they help the borrower find a resolution, the Ombudsman Group took sides with NAVIENT and requested to speak with a supervisor since nothing was being done. I was assured my loans will be put on deferment and/or Forbearance since I was XXXX. Later on I found out my student loans were NEVER put of deferment/Forbearance but defaulted instead. My credit has been damaged and impacted severely, I can not even get candy on a loan. I need help resolving NAVIENT 'S negligence and failure to put my loans on deferment and/or forbearance status. I can not even consolidate the loans because they were defaulted and my credit score has been ruined. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.

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 2019-10-28
Company: Executive Credit Management, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Executive credit management continues to collect a debt not verified nor owned by me. Made several attempts to have debt removed and verified. Company continues to not respond according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I purchased a home ( from my parents ) and Flagstar Bank took on service of my FHA Loan. They  failed to pay ALL the Real Estate tax 's leaving me to pay real-estate tax 's out of pocked to protect myself against a sheriff sale of my home. Their failure to pay tax 's stems from an understandable mistake related to certain complexities in the details of my deed. I have two parcel numbers adjoined onto a single deed. Because of the timing a peculiar error the tax 's were sent to my parents and not the bank. 

On XX/XX/XXXX and XX/XX/XXXX, following instructions on their website, I emailed them copies of the delinquency notice and requested follow up. I received an auto responder both times. 

On XX/XX/XXXX I called to inquire about the situation. I spoke to a series of Customer Service representatives before speaking to someone who understood the issue. I was assured that the issue would be taken care of and that I would be notified. 

On XX/XX/XXXX I called again to verify that the issue had been resolved. I was told that no one at Flagstar had been able to reach the county tax office and that the issue had not been resolved. 

On XX/XX/XXXX I emailed the county tax office and received a return call. I explained to them the situation and they confirmed that they could provide any documentation Flagstar Required. 

On XX/XX/XXXX I paid the delinquent tax 's and penalties to the county. 

On XX/XX/XXXX I called Flagstar to inform them that I had paid the taxes and requested that they adjust my escrow account accordingly and forward a refund for the delinquent taxes I was required to pay out of pocket. The told me that the best they could do was run a report on my account and that they would let me know the result. 

On XX/XX/XXXX I called Flagstar to find out what results they had found. The customer service agent seemed surprised by the situation. She understood what the problem was and promised to escalate the issue and assured me someone would be in touch. 

To date I have not received a response. I now have XXXX tax bills waiting to be paid.

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 2019-10-15
Company: ALLIANT CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card account was closed by Alliant Credit Union, the reason being for using the card for business activities. There hasn't been anything on the card that remotely qualify as business activity, and in fact I barely put any charge on there. Also I was just recently charged an annual fee when the bank decided to close my account after I paid, seems very sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted US Bank and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted US Bank 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 contacted XXXX TRANSUNION, and XXXX  on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person XXXX, TRANSUNION, AND XXXX  had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that XXXX, TRANSUNION, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.

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 2019-08-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 around XXXX XXXX i swiped card at XXXX XXXX for the amount of XXXX $ the transaction went threw but the cashier state 's that it was declined. I tried transaction 2 more times when i got alert on phone showing that it had gone threw but the transaction amount was XXXX and showed my account balance now at XXXX. Ive contacted my card and they say they have to wait for XXXX XXXX to refund and XXXX XXXX is saying they dont show tbe transaction at all in system. But its on my card history as a negative charge like all my other purchases. I need my XXXX back in my account and no one seems to want to refund me.

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 2020-01-29
Company: Experian Information Solutions 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:
To Whomever This May Concern : I received an email from XXXX XXXX stating that they were closing my account because of past due accounts on Experian. That information is incorrect. I have fraud alerts up and down my credit report stating that I have been a victim of fraud for over 5 years. Also XXXX  has an account from XXXX XXXX reporting as a collection account on my report that is fraudulent. I have been back and forth for years over various accounts that are fraudulent and I am tired. I need XXXX XXXX, removed off of my report. I need any other collection accounts removed off of my report. I need any addresses that are not XXXX XXXX XXXX XXXX, GA XXXX removed off of my credit report. I need phone numbers that are not XXXX removed off of my report. I need other names that are not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX removed off of my report. I am not happy with this and I am looking at filing suit. I need experian and XXXX  to remove any and all delinquent accounts from my report asap. I need them to send me an updated report in the mail reflecting that change. Also, for some reason, Experian will not let me see my report online and I don't understand why. I have tried calling that useless XXXX number and all I get is a recording that will not allow me to speak with a representative. Please fix that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Synovus Bank
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I was experiencing issues with my hours and pay from being on leave and I made a mistake in falling behind on this credit card and made an effort to make a payment before XX/XX/XXXX by submitting a payment on Saturday, XX/XX/XXXX. 

I was expecting to receive payment from my employer on Monday, XX/XX/XXXX as my payment had been delayed due to when I started back working. When I returned to work that Monday, I discovered that I would not receive my paycheck until that Friday due to a system error. I called First Progress customer service department immediately to cancel the initial payment and submit a secondary payment from a different source. 

I was informed by the customer service representative that I couldnt do that as the payment was already pending but to not worry as the payment wouldnt be processed until that Friday, XX/XX/XXXX and therefore it would not be reported late. I took the representatives word on this. I checked my First Progress account on Friday, XX/XX/XXXX, and saw that the payment had been deducted and then returned on the XXXX, which contradicted the initial information that I had received. I contacted customer service again and spoke with another representative who confirmed that Id been given incorrect information and that I should have been told to call back the next day to resubmit the payment before it reported out to the credit bureaus on the XXXX as 30 days past due. I truly would have done so had I been initially told this important information. 

I was told that I could attempt to submit a goodwill letter to the company and they may be able to remove the payment as it is my only late payment. I did this and they agreed to remove the payment. I was informed that they had agreed to this when I called in two weeks later to check the status and that my report would be updated in 30 days. The update appeared in XX/XX/XXXX. 

I received an alert in XX/XX/XXXX that the late payment from XX/XX/XXXX had been added back to my report. This is after the company agreed to the removal. I haven't had any late payments at all on this account since this incident and I have kept the balance at {$0.00} each statement cycle. I contacted the company and they could not provide me with any information other than to fax them over what I initially sent. This is unacceptable. I decided to close the card today as this company 's business practices aren't ethical and I do not want to continue doing business with them. 

I have attached a copy of my credit report from XXXX as proof that the late payment has been removed. I also attached a copy of the letter that was initially faxed over to the company in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent multiple Credit Bureau Disputes and even a letter directly to XXXX XXXX. They report all aspect of this account incorrectly. The account shows open when it is closed, the balance is incorrect, it shows a past due amount higher than the high credit, and they never placed a notice that this account is in dispute.

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 2019-10-28
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I began receiving debt collection calls from a company called Radius Global Solutions for credit card debt that is not mine. Per a conversation with the representative of Radius GlobaXXXX Solutions, the debt relates to a former employers credit card relationship with XXXX XXXX. Per Radius, there is a balance owed to XXXX XXXX. Upon hearing this, I reached out to XXXX XXXX, my former employer. On XX/XX/2019, the owner of XXXX XXXX sent me an email with an attached receipt showing payment to XXXX XXXX on XX/XX/2019. In the email, the owner of XXXX XXXX informed me that this payment to XXXX XXXX paid off the balance in full and that the account was closed upon making this final payment. Unfortunately, I still have been receiving numerous calls daily from Radius Global Solutions regarding an outstanding balance even though it appears the debt has been paid in full. Furthermore, and most importantly, I have not been employed by XXXX XXXX for over 6 months as of this complaint and have made no charges under an XXXX XXXX credit card since leaving the Company. I am asking that the harassing daily calls from Radius Global Solutions cease. I am not a party to any debt incurred by XXXX XXXX and should not be receiving calls from a debt collector for debt that is not mine. I am asking that these calls cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They authorized overdraft fees for posted transactions after my deposit went through to cover everything. There were 4 charges and only refunded one. My deposit was for unemployment insurance. And items posted same time my deposit went through, but their arbitrary charges are still pending!

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 2022-11-17
Company: EQUIFAX, INC.
State: MD
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 you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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