BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-07
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:
Before all my accounts where absorbed by XXXX, they were deferred, so its Impossible that there was a late payment on XXXX 2015. Most likely what happened is that because of the big change from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I XXXX, now its showing that I mysteriously had a late payment on XX/XX/XXXX for 90 days when until XX/XX/XXXX everything in good standing as well as XX/XX/XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an XXXX XXXX old baby, got seriously affected with Hurricane Irma, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
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 2017-10-07
Company: WELLS FARGO & COMPANY
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:
i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Commonwealth Financial Systems, Inc.
State: MO
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 have several medical bills showing on my credit report and I turned in my XXXX XXXX number to all companies. It's still showing on my report. Can you help? Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/ 2021 my online balance was XXXX transactions posted after that balance, on the XXXX, totaled XXXX, leaving a balance of XXXX. Also on the XXXX, they charged me XXXX overdraft fee which left my positive balance on XX/XX/XXXX with XXXX ... after the XXXX overdraft fee. There are 3 items pending and I made a transfer to more than cover those amounts. When I contacted the bank I was informed that one of the pending transactions, the very last one, triggered the overdraft fees and they would refund me ONE ( 1 ) fee! Their overdraft fee is XXXX dollars. This is a checking account and I have not signed up for overdraft protection. The Bank is BB & T, now Truist, at XXXX XXXX XXXX XXXX, XXXX FL 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 2017-10-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Date reported : XXXX/XXXX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX/XXXX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XXXX/XXXX/XXXX Status UNPAID Balance Date XXXX/XXXX/XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxxx XXXX Creditor Classification Rental or Leasing Last Payment Date Date of First Delinquency XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Experian Information Solutions Inc.
State: LA
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:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the XXXX XXXX continues to ignore their duty and remove the negative error from my credit reports.

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 2017-10-07
Company: Navient Solutions, LLC.
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:
Before all my accounts where absorbed by NAVIENT, they were deferred, so its Impossible that there was a late payment on XXXX XXXX. Most likely what happened is that because of the big change from us department of education loan services to Navient exactly around that time, my information kept being published from the old lending office in charge. Well, my accounts had been deferred pretty much since I graduated, now its showing that I mysteriously had a late payment on XXXX for 90 days when until XXXX everything in good standing as well as XXXX and so on, this just makes no sense at all. 
Please remove late payment reporting on all of my student loans accounts, its hurting my credit report / score, also my life very bad. 

I just got married, have an 8 month old baby, got seriously affected with XXXX XXXX, and Im trying to live a Healthy credit life, I sincerely request you to help me with this, thank you very much! 
PM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Public Record from a Chapter XXXX Bankruptcy. 

On XX/XX/2021 I placed a request for suppression of my file with XXXX XXXX due to the inaccurate and derogatory item on my consumer report. On XX/XX/2021 I sent a letter out to Experian, Equifax and Transunion notifying them that " I do not recognize this public record ''. 

At or around XX/XX/2021, I received a response via a credit report mailed to me, that the public record was verified by the US Bankruptcy Court. Frustratingly, I've contacted the court and they advised they do not report to the credit bureaus nor have they verified anything. 

On XX/XX/2021 I sent a letter to the three Credit Bureaus with an attached response from the U.S bankruptcy Court, advising " It is clear the court do not report to you or to any credit bureau for that matter, nor is a debtor 's full social security number reported ; therefore your original response verifying this item with the court was either an error or deceitful. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Equifax removed this inaccurate reporting immediately, however, Transunion and Experian did not based on their deceitful actions. 

On XX/XX/2021 I also sent a certified letter to XXXX XXXX that they received on XX/XX/2021 bringing to their attention of their erroneous, inaccurate data and request that they provide verifiable documentary proof, in additional to removal of this negative item. To date I have not received any correspondence, proof or removal of this file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company LVNV has brought a lawsuit against me I notified them I want proof it is mine- I am sending the email I received and there is no proof it is mine. Also it is 7 years old and after 7 years if it is mine it is supposed to be off your credit report - this account is not even on my credit report I never had an account with XXXX XXXX  ( have no idea what that is ). I want this law suit dropped. I also want punitive damages of {$1500.00} for the damages they are doing to my name XXXX! I'm XXXX and I'm here to explain who we are, what we do, and how it all impacts you. Let 's start by discussing some information about your account. 
The account ending in XXXX was charged off and sold by XXXX on XX/XX/2015. Please note, the account has been purchased and re-homed to LVNV Funding LLC. LVNV Funding LLC outsources the management of its portfolio of accounts to our company, Resurgent Capital Services. 

We know paying off debt can feel overwhelming, but rest assured we've helped millions of people just like you resolve outstanding debt and we're confident that we can find a solution that works for you, too!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Yes, 1. I switched phones and i tried to use chase mobile.
i called the number and the phone represetative said he could help me and i asked if he was sure.
then he took my social security number and then said he couldnt help and hung up on me or transfered the call but either way this practice is disgusting.
2. the branch manager at chase in the XXXX or XXXX XXXX did not know how to do a wire overseas and gave me wrong advice and cost me 30 hrs of my time trying to get to another chase from XXXX nc where i moved for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX XXXX XXXX around the year XXXX. I never gave my information neither to XXXX XXXX XXXXXXXX nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time FBCS , Inc is the company that is contacting me with the purpose of collecting the fraudulent 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 2021-05-15
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter on XX/XX/XXXX and mailed it certified. I tracked the letter and noticed that Grant & Weber received it on XX/XX/XXXX. When I received the response from Grant & Weber, I noticed multiple inaccuracies. 

My name was not spelled correctly on the documentation. Also, the dates of service that were listed are incorrect. The dates listed are consecutive ( XX/XX/XXXX - XX/XX/XXXX ) ; yet I was NOT seen on all the days listed. My birthday is on XX/XX/XXXX and I have never spent time in a medical facility on my birthday, therefore I know the dates are incorrect.

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 2020-06-22
Company: CITIBANK, N.A.
State: CT
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:
My card was charged by a company that doesnt exist, have tried for two months to rectify dispute to no avail.

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 2022-04-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
TCF Bank sold out to Huntington Bank. They gave periodic notices this was happening to make it seem they were prepared. 

On XX/XX/XXXX, I was supposed to have access to my new Huntington Bank Account. Their website did not work. 

I tried to call the number and was on hold for 7 hours the first day. Including 4 hours of hold until I reached the first person who said, " They gave you the wrong number, you need to call a different one '' and 3 more hours of hold.

About 4 hours the second day.

2 hours the third day.

I contacted them through twitter, etc. 

OBVIOUSLY, they were not prepared and a week later, I still not only do not have access to my own funds but I am unable to see my records to do my taxes that were due on the XXXX. 

This is just a small side account I have but it has created massive problems for me this week with no help from the bank whatsoever to solve this. 

They have my money and I can not access my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had my Wells Fargo XXXX payments automatically deducted from my credit union account for years. When COVID hit, Wells Fargo stopped automated deductions from the account for many, many months. Given this, I assumed something was wrong with the automated debit agreement, but did not have time to address it. Since I am a responsible credit consumer, I continued to make payments on my HELOC on time on my own through Wells Fargo 's website. During this time, I stopped funding the credit union account to cover my automated debits. In XX/XX/XXXX, Wells Fargo resumed making automated debits from the same credit union account without notice or warning. Since the account was not funded, it overdrew my credit union account. I assumed responsibility for this since I had an automated debit in place. However, since my payment behaviors had changed, I did not want Wells Fargo to continue automated debits from this account. I continued to make on-time payments on my own through their website. I took further action to prevent future debits from that account by removing that same credit union account from my Wells Fargo profile where I listed checking bank accounts I use to submit payments to Wells Fargo. In doing so, I assumed that I was removing permission from Wells Fargo to ever access that account again, thereby protecting myself from future credit union account overdraws. However, in XX/XX/XXXX, Wells Fargo used that same account to make an automated payment. On XX/XX/XXXX, I spoke with Wells Fargo, explaining all the above and requested them to never again use my credit union account. I further requested a refund of {$58.00} to cover XXXX NSF fees issued by my credit union for the XXXX attempts Wells Fargo made to withdraw funds on XX/XX/XXXX and XX/XX/XXXX. When they declined, I asked to speak to a supervisor. I was put in touch with XXXX XXXX, who promised a resolution within 3-5 business days. When I had not heard from her, I placed another call to Wells Fargo on XX/XX/XXXX with a promise on an answer to refund those fees within the next 1-2 business days. I have not heard anything more to date.

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 2017-07-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
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 pressured by a third party to get this loan with guaranteed job placement once graduated. I am thousands of dollars in debt. Navient has a class action law suit. The penalties are through the roof. I believe that this was fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: CCS Financial Services, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I received a letter from XXXX  collections in regards to a XXXX XXXX XXXX XXXX policy. I contacted the collection agency and informed them that I was already covered with another Insurance company. Upon me speaking to and agent I was told to submit documents on file. I uploaded those documents and never heard back from the company. I even signed up for emails so I can get notified once they processed the paperwork I submitted online. There have been no letters sent to my home or email address once I made initial contact with XXXX. It was not until the account showed up in collections on my credit report that I knew the information submitted was not sufficient for what they had in collections. I spoke with a super visor name XXXX who said letter were sent to my home, but speaking to XXXX their systems said the letters went out via email. Currently on the phone for XXXX time, still today and she in informing me that it could have been sent to my junk folder and they don't make collection calls about accounts. I said that doesn't make sense when the previous agent stated they couldn't remove the collections account completely, but only update it to " paid in full '' because they made attempts to call me. There is no consistency with anything anyone tells me. I am requesting the remove the collections completely because their system is not sending out the emails or letters. They have no records of contact with me that are not only c correct but that they can validate or confirm. I was not given the fair opportunity the paid this before it hit my credit file, because I never heard back from them as the agent stated. I paid it in full only XXXX of the agents could tell from the notes that the communication noted on my account was inaccurate and that I was completely in the dark about it being owed still.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX $ bull city financial solutions XXXX $ cmre financial services XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Navient Solutions, LLC.
State: CA
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 took this private student loan back in XX/XX/2009, and have been repaying it since the loan started as a {$5000.00} student loan. After ten years of making payments, my principal balance is still {$3200.00}. I called the lender to negociate a lower rate but they refused. I was not clearly explained at the beginning while I was still in school that the minimum payments I was doing did not covered anything or almost anything on the principal. With all the payments I have done so far, I have paid well above the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a Citibank savings account for several months. I attempted to withdraw funds and was instructed that in order to do so I had to open a checking account which had fees associated with it. After I did that, I was told I could then withdraw the funds that I needed. Upon attempting to do so, I was told that I needed to call in because there was a problem with the transfer. After calling in I spent an hour on the phone being transferred around and answering questions, at the end of this process I was told the account could not be verified and the funds would not be transferred, essentially that I was not able to access my money. I was also told I could visit a branch location, most of which are closed, the nearest of which is 6 hours plus away from my home.

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