BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2021-01-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer is Wells Fargo on my FHA loan. They said that I do not qualify for the automatic partial claim because on XX/XX/2020 my loan was delinquent. On HUD 's website it says : " If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. '' As of XX/XX/2020 on my Mortgage Account Page it said next payment due XX/XX/2020 ... so by XX/XX/2020 my account was only 29 days delinquent. I know I can apply for a loan modification, but I do not feel I will qualify because I am a XXXX and XXXX XXXX with less income than normal. I can not afford to pay much higher payments either. I have owned my home for 20 years and if I can claim the partial claim and put it at the end of my term, then I will be able to remain in my home and make monthly payments on time from now until the loan matures. I am not asking for special a treatment, but I am asking to be treated fairly. 
Entire web page : www.hud.gov/coronavirus/homeowners >The page says : " In response to the COVID-19 national emergency, FHA permitted borrowers to enter into forbearance, a pause or reduction in their monthly mortgage for up to six months. Borrowers can request an additional six months if needed. 
FHA does not require lump sum repayment at the end of the forbearance, and has developed the COVID-19 Standalone Partial Claim to assist with repayment. If borrowers were current or less than 30 days delinquent as of XX/XX/2020, they may be entitled to this option. 

A partial claim is a zero interest, no fee, junior lien on the borrowers property that will become payable when the borrower sells their home, pays off their mortgage, or their mortgage otherwise terminates. If the borrower does not qualify for the COVID-19 Standalone Partial Claim, FHA offers other tools to help repay missed payments over time. ''

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 2021-04-21
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is being sent to you in response to a telephone call made to me on XXXX XX/XX/2021 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. 
This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i contacted credit management after noticing they were on my credit report. they couldn't verify debt and transferred me to a supervisor whom then emailed me the attached letterhead document saying they will delete account over 60 days ago. account is still active on my report. I have called and questioned them about the practice of saying one thing and doing another with no response and rudely trying to act like I don't have a document stating my claim. I have no knowledge of this debt and just like they agreed upon i would like this removed from my credit asap.

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 2019-08-20
Company: Siwell Inc
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. XXXX apply for one mortgage, to purchase an condominium at reason rate and discuss over important turn and condition. and provide up front per-cent  down payment agreement with the  Financial Agents and obtain attorney service on exam all aspect of the future purchase agreement, or contract. Mr. XXXX also provide essential information, include   Three personal banking reference, and two credit Union reference, and other personal credit reference plus personal company account reference. After four months period, I check back for an up-date on the mortgage transaction. "unfortunate' the Capital Mortgage Financial agent default on the Real Estate project. Their no real relevant reason for Capital mortgage financial agent not to finance the real estate project. Unless some unknown interfere with the ongoing financial processing of the Financial application. All essential requirement, were on the application and sure co-signer were standard requirement. Those unwanted incident are cause by persons of unknown interfere to discredit legitimate information provide by the applicate and co-signer. In this case obsturcture of service process. apply in this case. and incident of that nature cause more harm then good. These incident were done intentional . Or person of unfnown interfere to made an attempt to used the applicate name fraudulent, cause an default with available funding.  The applicate exercise reasonable care and good faith with each reference provide. The real cause is obsturcture with current information sends were good standard. (C F P B ) Mr. XXXX  is request for certain amount funds send were certain per-cent for down payment send to be return and wire transfer those fund to Mr. XXXX  personal Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice from a debt collector and call them about this notice, The collector is Diversified Consultants, Inc. the debt is for {$100.00} from XXXX XXXX XXXX Wireless - when I call them I told them I do not owe anything to XXXX XXXX XXXX it was paid on XX/XX/18 I told them I will call XXXX XXXX XXXX, I had to call them again when I notice they put this on my credit report and told them I was paid and I call XXXX XXXX XXXX and verified it - first I one person hung up on me when I call back the next person would make a note, but I need this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$3200.00} XX/XX/2016 N/A $ XXXX/mo XX/XX/2016 $ XXXX American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$1000.00} XX/XX/2016 N/A $ XXXXmo XX/XX/2016 $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Information belongs to someone else

Complaint:
I recently submitted a FTC report notifying you all that I have been a victim of identity theft and the accounts in question need to be blocked or removed immediately. Since then you all denied my claim. According to 15 US code 1681c-2 these accounts in question shall be blocked or removed no later than 4 business days upon receipt. I filed a FTC report on XX/XX/23 and you all received it XX/XX/23 via certified mail.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 2022-07-14
Company: ALLY FINANCIAL INC.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated an ACH Transfer for {$55000.00} on XX/XX/2022 to transfer funds from my XXXX checking account to Ally Bank savings account. These funds were successfully debited from my XXXX checking account on XX/XX/2022. Ally Bank then blocked the transfer, because I am told they could not verify the external account belonged to me, and the transfer failed and was never credited to my Ally account. Per calls with Ally Bank, there was an attempt to reverse the funds back to the external account on XX/XX/2022, but the reversal failed. 

It took hours on the phone over multiple days with Ally Bank representatives saying it was an issue with my external bank before one of the representatives finally understood the issue and opened a Case on XX/XX/XXXX ( Case ID : XXXX ). I was told I would receive resolution within 1 to 2 business days. It is now XX/XX/XXXX and I have not heard back. 

I already filed a CFPB complaint with the external bank ( XXXX ) and received a response back from them that there is nothing for them to do, as it is Ally 's responsibility to send the funds back to my external bank. Their complaint response is attached. 

It has now been close to 1 month since Ally rejected the funds, and no further action has been taken by the bank to resolve this matter. It is unacceptable to hold an account holder 's funds in limbo like this for this period of time. I have spent a combined XXXX XXXX  of my time on the phone with Ally Bank over the course of multiple days in the last month trying to explain my issue to Ally customer service representatives without resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX I signed up for a direct deposit checking account and bill pay and savings account through Citibank. From XXXX to XX/XX/XXXX I was charged a service fee of {$25.00}. 

XX/XX/XXXX, I went into the bank to order checks for my checking account so that I could pay my landlord so that the bank could track withdrawals for rent from this account. 

At that time, I asked the teller what the service fees were for. He looked at my account and told me that since I had the aforementioned bank package that I should not have been charged this service fee and that I should speak to the branch manager. I did so.

The bank manager reviewed my account and determined that I had, in fact, had been charged in error and returned one month 's of service charges back to my account. During the conversation, I informed him that these charges had ensued from XXXX until now. He asked me why I didn't bring this to their attention previously. I told him that I didn't know I was being incorrectly charged until I was told that day. He informed me that I should write to Citibank and gave me the address to lodge a complaint and request the funds be returned to my account. Later, I calculated mischarges of 101 months to be in the amount of {$2500.00} and I wrote two letters to Citibank Client Care, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

I received two letters from them, XX/XX/XXXX and XX/XX/XXXX stating they investigated my claim and a note, " Please be advised that your request for the reversal of the fees are not honored. '' I have copies of my letters and their 2 letters to me to upload for your consideration.

Thank you.

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 2019-08-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for PayPal credit by Synchrony Bank and was denied instantly. I received  a letter in the mail citing "amount of collections." I have $XXXX collections, so this must be a mistake. I am wondering if they have the correct 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 explanation
Consumer complaint received 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

XXXX XXXX XXXX {$3000.00} Acct # XXXX XXXX XXXX XXXX {$1600.00} Acct # XXXX Capital One Auto Finance {$4500.00} Acct # XXXX XXXX XXXX  XXXX XXXX XXXX Capital one auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX captial one auto finance XXXX XXXXXXXX XXXX XXXX capital one auto fincance XXXX XXXX capital one bank usa capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i check my credit report last week and i noticed XXXX XXXX that mine

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 2023-06-09
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a formal complaint against United Collection Bureau regarding their debt collection practices, which I believe to be in violation of Section 807 of the Fair Debt Collection Practices Act ( FDCPA ). United Collection Bureau has engaged in deceptive practices by attempting to collect three separate amounts on XX/XX/2023, in the amount of {$1300.00}, XX/XX/2023, in the amount of {$1400.00}, and XX/XX/2023, in the amount of {$1500.00}. These actions are clear violations of 15 USC 1692e of the FDCPA.

I would like to bring the following violations to your attention : False and Misleading Representations : United Collection Bureau has falsely claimed that I owe three separate amounts on different dates, each with a different figure. This inconsistency in the alleged debts raises serious concerns about the accuracy and validity of their claims. These misrepresentations are intended to confuse and mislead consumers, violating the provisions set forth in 15 USC 1692e of the FDCPA.

Unsubstantiated Claims : Despite my requests for verification of the debts, United Collection Bureau has failed to provide any supporting documentation or evidence to substantiate the legitimacy of these alleged debts. This failure to provide adequate validation further compounds the deceptive nature of their actions.

These deceptive practices have caused me significant distress and uncertainty. As a consumer, I believe I have the right to be treated fairly, truthfully, and without misleading representations during the debt collection process, as guaranteed by the FDCPA.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action against United Collection Bureau for their violations.

Company response to consumer: Closed with explanation