BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: SYNCHRONY FINANCIAL
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:
Greeting Issue with Amazon prime account that I do not open. 
Balance : {$240.00} XXXX # XXXX SYNC/AMAZ XXXX XXXX XXXX, XXXX XXXX TX XXXX Tel : XXXX In XX/XX/2020 I received a bill from Amazon let me know I have past due account {$240.00}. I called Amazon, they told me sine XXXX that Prime membership fee and late fee add up. I told them I do not open this membership, if I order amazon I have my credit card online to pay, I dont even know what prime membership I ask them to close, they said they will close and I should not worry ( XX/XX/2020 XXXX. I don't even know until lately. 
We are offer to buy a home in XXXX California in early XX/XX/2020, the mortgage company run the credit and XXXX show that the account is closed but still have balance and past due, my credit score is low and the bank don't accept for the home loan. I called amazon so many time and talked to 6 people and present my case, if I have known the details of closing meaning I should have clear everything in XX/XX/2020. They said the fraudulent department will put this case in dispute XX/XX/2020, and dispute letter will mail to me in next 7 to 10 days and the investigation will take 30 to 60 days to remove my name from the TRADE LINE so my score can go up. 
Please help me in your authority our loan in the process I have XXXX weeks to close the loan to buy the house that what we need right now I can't wait for 30 days. Please help us AS Soon As you can. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I impound my property taxes in my escrow account with my mortgage at 5/3 Bank. I noticed my second installment of my property taxes had not been paid in XXXX and contacted 5/3 Bank several times. Each time a representative said the property taxes would be paid on time. However, 5/3 Bank failed to pay my property taxes on time and I was charged an interest fee of {$100.00} by XXXX XXXX County, MD. I had to pay more money in taxes as a result of their negligence. After I paid my second installment of my property taxes out of pocket, 5/3 bank emailed me saying their research showed they had made an error and they would be correcting it for next year ( this is irrelevant since I am refinancing to another lender anyway ). However, 5/3 Bank knew the full amount due of my property taxes due because they had to adjust my escrow fees and withholding for calendar year XXXX. The full amount of my property taxes was known and documented in my Annual Mortgage Escrow Statement ( page 3 ) dated XX/XX/XXXX, so there was no reason my property taxes should not have been paid on time. I was charged interest fees on my taxes as a result of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
It is totally frustrating to see TransUnion XXXX XXXX, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with TransUnion and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX, XXXX XXXX - NOT DELIVERABLE ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
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: Problem with personal statement of dispute

Complaint:
I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020 at XXXX I purchased a Storage Shed online at XXXX for the amount of {$99.00} shipped to a new address due to I was moving to that address the landlord advised that I was not getting the home due to another family got the approval before me. on XX/XX/2020 at XXXX I send an email to the merchant as what there return policy explained they did not reply only with the shipped tracking number XXXX I wrote to them again and did not responded back to me. I started a Claim with my bank, Bank of America, banking is a rip off they don't do their investigations in time. anyways I did not responded to them on time they closed the claim on XXXX due to missing documents or a reply back. when I didn't received a notification on time. I was in the middle of a move when they closed it. when I noticed I called very patient and understood my fault. I send all documents in XX/XX/2020 paid {$31.00} for them to receive all documentation and they can close the claim fast. I called them on XX/XX/2020 at XXXX and they confirmed it was received and processed to the merchant to reply back. asked what is the timeframe. they advised 90- days since the claim was re-opened. not its been more than 90 days and they want me to wait other 45 days because they send requesting more information from the merchant on XX/XX/XXXX, XXXX how is it that legally is 90 days for a Bank claim department XXXX close a claim and then now I have to wait 45 days it is not fair since I did want I needed to do to get the claim processed. XXXX the supervisor is going in circles and won't help expedite this process and she is only saying that the procedures is 90 days but because they send the documents to the merchant on XX/XX/2020 I have to wait another 45 days. from my understanding under FDIC law indicates that the merchant has 45 days to reply within a 90 days frame. she said that is not true. and that their procedures are different. from what understand they have to follow federal laws including the FDIC.

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 2021-05-10
Company: Trident Asset Management, L.L.C.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested every month since XXXX for this company to send me detailed proof of this debt. I have asked them to send me proof they are licensed to collect in my state, a detailed breakdown of the charges I owe, and a signed contract showing I agreed to pay this debt and that it is valid. The company has chosen to only send a blurred copy of statement that looks doctored with no absolute proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Navient Solutions, LLC.
State: TX
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 went to school at XXXX XXXX XXXX in XXXX Utah where I earned my Associates Degree in computerized accounting. The total loan was about XXXX. Later in XXXX I went to University of Phoenix for a few months. Most of which was pell grant. Some loans were sent to the university and were sent back. Navient counted these loans even though they were sent back to the borrower. I became XXXX with XXXX XXXX XXXX in XXXX. In XXXX Navient garnished my SSDI and also made me sign paperwork tripling my loans threatening that they would take all of my Social Security Disability. Still to this day there is a balance of XXXX on my student loans. Because of what they did I lost my house I was renting and became homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Ascension Point Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ascension Point Recovery has called me three times looking for the person in charge of XXXX XXXX estate  financial matters in order to collect a debt. I don't know a XXXX XXXX, not have I ever heard of her. My maiden name is XXXX and I guess they are calling all XXXX   fishing. I believe I called them back and left a message that I didn't know who she was but was called again. 

Please fine these parasites so that stop harassing innocent people or people who have lost a loved one. 

Respectfully, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Navient Solutions, LLC.
State: OH
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: Problem with personal statement of dispute

Complaint:
Navient placed 3 late payments on my credit reports. My loans were in deferment during this time which I explained to Navient. They responded by saying that they were not in deferment, but could not furnish me any reason or proof as to why they were not in deferment during that time. I returned to school the month that they started reporting my payments as late. I wrote them a good will letter and also stated that this must have been a mis-understanding and that it should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS AND THEY ARE NOT APPLYING THE LAW NOR OBEYING THE LAWS OF CREDIT BY DELETING ACCOUNTS DUE TO WAY TOO MANY INACURATE ACCOUNTS AND IT HAS NOW BEEN OVER 30 DAYS DATE LETTER SENT XX/XX/2020

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 2020-12-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In approximately XXXX I allowed an acquaintance to cash their check through my bank account. I found out during my Wells Fargo Mortgage reinfi in XX/XX/XXXX that they added her to my account.. On XX/XX/XXXX she wrote a letter stating it was never her account, she never used it and had no access and to delete her name from my bank account.. This document was made part of my refinance documents. Wells Fargo promised in XX/XX/XXXX to remove her from my account but failed to do so. The bank allowed them to withdraw from bank account {$500.00} on XX/XX/XXXX & {$300.00} on XX/XX/XXXX. I found out yesterday XX/XX/XXXX and closed the account and opened a new account without this person name. Only to find out later that evening that they put her name on the new account. She put bank {$700.00} last night because I told her I was going to have her arrested. Then I found out that she did all this over the phone. Plus Wells Fargo told her exactly how much was in my separate savings account, which isn't linked. I am concerned that my money is not safe in this bank.

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 2020-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a pending complaint on SPS. 
Today, Tuesday, XX/XX/2020, I received more abundance of mail from Select Portfolio Servicing. This is the first time I was informed that SPS alleged not receiving XX/XX/2020 payment. I have provided six months of my bank statements reflecting payments to SPS. However, the check for XXXX that was mailed XX/XX/2020, has yet to clear my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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 2020-11-17
Company: Monarch Recovery Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I identified that the company is calling the wrong number and that this number has been associated with me for over 40 years and they need to remove me from their system or list. They keep calling. I now want them charged legally for Harrassment. My number is unlisted. My number has been registered with the DO NOT CALL Florida and national registries.. They call before while Im still sleeping. I am not the person they are calling about. 

It has to stop and they should be prosecuted, in my opinion, for the Harrassment. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened without my consent. I recently found out because I had my lender run my credit for a home loan. I filed a police report and submitted this to the creditor and the credit bureaus and they all still refuse to remove this from my credit. I have been fighting this account to be removed from my credit for months now and even with my police report as evidence of this account being fraud they refuse to remove this which is hurting my credit immensely!

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 2020-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to get the free credit report but the bureau says the information provided is wrong.

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 2020-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed derogatory in writing to XXXX  who failed to comply with Fair Credit Reporting Act and Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 validating Portfolio Recovery Associates in excess of 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I got a letter from Citibank on XX/XX/2020 said that both of my saving accounts are closing and without any notice and no reason. One of my saving account still {$130000.00} on the account and other one is {$1800.00}. Citibank will issue me a official check for that balance to the address on file approximately thirty to sixty business days from the date of th is letter. But almost 4 months now and I still not receive my fund yet. I tried to call Citibank so many times and they said my accounts still blocked and hang off on me. I visited the Citibank branch and they said the same thing. Please help me I dont know what to do now

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 2018-10-02
Company: Experian Information Solutions 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:
I was never disputing that certain accounts were open but the time frame that the accounts were in negative is all false my accounts have always been current being that from the Department of Education so long as you remain in school you don't own any loans so having {$15000.00} in loans while still attending school full-time has dropped my credit score and XXXX score really low I'm not able to do anything and I have fought and fought for the past XXXX years and nothing has come of it I have always been in current in my Department of Education my status should be current payment status okay and XXXX was never a charge off I paid that bill in full so not only should it be a positive outlook it should not be a negative charge off as well as I never had a t-mobile phone bill so I have no clue what to say about that or house that was put on to my information section as well as many of the address is that on my credit report I'm not addresses that I have resided at at any point in time except a few please make the corrections that are needed I am XXXX XXXX kids XXXX XXXX XXXX I'm trying to do the right thing in life

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$170.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation