BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing. 

In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state. 

I do not feel I owe this balance, and have requested, without success that it be removed from my credit report. 

Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service. 

Please help.

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 2018-07-04
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i start to make a payment to the company name national enterprice system, because this company make a setlement with the company who represent me name XXXX, but i cancell this company because they charge to much money for the srevices, know i keep make a payment, but national tried to make another offer because i told them, if they have any other offer, so they try for me to take other 0ffer, but this is the complete amounth that i owed, from the beggining, so they dont told me that, when i check the numbers, i call them back and they dont reply to me, and also they dont send me any receipt or any letter to comfirm my payment to Imake every month.

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 2021-03-02
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have unemployment benefits from the state of Florida and yesterday XX/XX/XXXX I went to atm to get my daily limit from my card to put in my regular account to cover my rent check. My daily limit is {$500.00}. My rent is {$910.00} a math and still needed to acquire the remaining {$410.00} today on XXXX XXXX. It states I've exhausted my limit for withdrawals and there's ONLY ONE phone number to reach the people who control the card. I called it and there is NO WHERE TO BE ABLE TO TALK TO A LIVE PERSON! ITS ALL AUTOMATED. I've gone through the paperwork for this card on their website and no where does it say it's not only a daily limit but a time sensitive limit. So I don't know if I should start to panic thinking I wrote a bad check. Since I can not gain access to my money. I can purchase stuff. I did withdraw from the account at XXXX yesterday XX/XX/XXXX but I have never experienced a card to go not only by the daily limit but a time frame of 24 hours. By the time someone gets to this or tries to answer me it's going to be too late. I'm just letting you know I can't believe the government has the ability to give the money but not be able to answer questions. It's ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this company pull my credit with out my unknowingly I never give them my information are this company his purposely invaded my privacy. 



XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/2017 Type Collections Attorney Phone Number ( XXXX ) XXXX Address 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 2020-04-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them 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 2020-08-30
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: Personal information incorrect

Complaint:
After numerous attempts, Equifax is refusing to delete incorrect personal identifiers from my credit report. Names that are not my legal name and misspelled are listed and address that I have never resided in are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, 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:
On XX/XX/2017 I received a letter that the XXXX XXXX account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. XXXX XXXX was the original owner then sold to XXXX XXXX I believe then winded up in the hands of portfolio XXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 XXXX p.m. I spoke with XXXX different representatives at Transunion regarding the incorrect information being for the last XXXX months. I spoke with XXXX XXXX regarding the inaccurate and fraudulent information being reported. Transunion sent the pin number to my personal credit report to the wrong address even though I have sent them certified letters ( most recent certified letter sent XX/XX/2021 ) to correct my information that included my personal information. to verify who I am. I was told in order for me to receive a pin number that I have to resend all the information that I just sent to verify who I am because it wasn't processed and lost. I sat on the telephone for more than an hour to get this information corrected in addition to recording the entire conversation. Why would they create a law and statue for credit reports that aren't obligated to follow? They clearly broke the law, failed to update my information and lose the personal information that I sent through 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 2021-03-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I attempted to close the account on XX/XX/21 which was the date they are to post interest for the prior month. They would not include the interest for XXXX when I asked for it to be closed at the end of the day. I could not schedule the closure for XX/XX/21. I had to come back to close the account the next day. 
I closed the account as they have severe limits and additional charges on being able to transfer funds. The closing process has tied up my funds for an additional 12-15 days befor I can get a check and I must then must go through the delays of waiting for the check to deposit and clear at my new bank. This is clearly a practice to gain the maximum float on my money by Citi. 
Due to their restrictions of $ XXXX per day XXXX $ XXXX per month, I could not do this reasonably paying for a wire transfer fees of {$25.00} per transfer. Dealing with Citi gains no acknowledgement of their deceptive and predatory procedures. There needs to be public warnings on their processes.

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: NAVY FEDERAL CREDIT UNION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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/XXXX, I opened a Bank of America credit card. The person selling the card advertised the card as a 0 % card that came with the bonus of a REFUND on all the interest I paid on a credit card. XXXX was the amount quoted. When I asked them what was their business model, they said it was a promotional offer. On the first billing cycle I was billed for XXXX and as a result I cancelled the card immediately. The dispute has been going on ever since. The transaction for the XXXX was initiated with an access check which I could not have written. The date on the check was XX/XX/2019 and cashed on XX/XX/2019. I have proven to BOA that I was in XXXX when this check was written. See attached documents to verify this. They still claim I am responsible for the XXXX. This is outrageous. I document the history of the correspondence I have had with BOA below.

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 2017-08-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017 we received an escrow review statement from our mortgage servicer, Wells Fargo. The statement showed that our escrow account was below the acceptable amount and that we either had to pay {$1400.00} upfront to bring our escrow account to the correct balance or our mortgage payment would increase from {$1700.00} to {$1800.00} a month. When we received this escrow review statement I called Wells Fargo the same day to figure out why it was increasing so much. The person I talked to said they will have to look into it and get back to me in a few days. On XX/XX/XXXX I received our closing disclosure and our account activity from Wells Fargo where they tried to explain the issue. From looking at the documents I was able to figure out the issue was they missed doing the initial escrow deposit on our account at the time we closed on our house. I was transferred to an customer service agent who could help me. On XX/XX/XXXX I again tried to call and figure out if they could correct the issue. I even brought in the person who was involved in the closing of our house from XXXX XXXX and she too told the Wells Fargo representative where the issue was. The person was unable to fix the issue and said they needed to look into it some more and would give me a call back. I never received a call back from them, but a call from XXXX XXXX on XX/XX/XXXX, he had helped me on a previous issue I had with Wells Fargo. I sent him all the information I had and he was able to get someone higher up, XXXX, to look at the account. On XX/XX/XXXX I asked for an update on the issue and I was told it was still being looked into and that multiple departments are working with this but they thought it would be resolved on Friday XX/XX/XXXX. Since that time I have received no new information and nothing about when or how this issue will be fixed and we are currently paying the {$1800.00} fr our mortgage.

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 2021-03-02
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Im a first time CASH home buyer and I've been trying to purchase a bank owed property from PNC bank for a YEAR now!!! I've been in touch with my realtor, my title agency and PNC bank weekly and yet Im still a sitting duck. 
Last XXXX I was One day to closing on a Doublewide mobile home on land and there was a title issue. The banks attorney did 90 % of the work to clear title. All that needs to be done to clear title is for the paperwork to be submitted to XXXX ( XXXX ) since a mobile home is considered a vehicle. I DON'T understand what the hold up is. Instead of the banks attorney submitting the final paperwork to clear the title and get me to closing he tried to pawn it off onto my title agency. Since the attorney offered such a low amount of money to the title agency to go into an Escrow acct. to finish his job if he " can't " clear title the underwriters turned him down and that leaves me at square one again. 
The banks ' attorney has very poor to no communication & hes NOT doing his job to get resolve this to get me to closing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This company is not reporting any of my payments made on accounts. None of my 25 accounts are showing on the report. This is causing my equifax score to be 200 points lower than my transunion report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

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 2020-11-15
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX, Equifax and XXXX  are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2017 I received a letter that the care credit account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. Care credit was the original owner then sold to synchrony bank I believe then winded up in the hands of XXXX XXXXXXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.

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 2018-07-04
Company: AES/PHEAA
State: PA
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 am repaying student loans through XXXX  XXXX XXXX and applied for the Public Service Loan Forgiveness Program on XX/XX/XXXX after reaching the required 120 payments. I faithfully submitted the Employment Certification forms regularly to document my employment and have worked at the same nonprofit organization during this time. The application was submitted by XXXX XXXXXXXX XXXX to FSA ( Federal Student Aid ) at the Department of Education on XX/XX/XXXX. 

I have never received a notice from FSA that they received my application. I was told processing would take 90 days for review. And then told FSA has up to 6 months to respond. As of today, XX/XX/XXXX, my application was sent to FSA over 6 months ago and I still do not have an answer from FSA. I have contacted XXXX   XXXX XXXX numerous times, however, no one will confirm that they have called FSA to check on status. When I asked for a number to FSA, I was given a number and when I called in XX/XX/XXXX, I was told that they do not speak with us and redirected me to XXXX  XXXX XXXX. No one at XXXX  XXXX XXXX will call FSA on my behalf for an update or to have FSA acknowledge that they received the application. I called on XX/XX/XXXX and requested that XXXX  XXXX acknowledge that XXXX  XXXX XXXX sent the application and that FSA received the application. I received an email on XX/XX/XXXX only noting that : " On XX/XX/XXXX, your application for the Public Service Loan Forgiveness has been forwarded to Federal Student Aid for final review. Once the review is  completed, you will receive notification with the results. '' I again requested acknowledgment by FSA that the application was received but did not receive a response. 

I have received several letters from XXXX XXXX XXXX that I have reached my 120 payment requirement for the Public Loan Forgiveness Program. I am quite distraught over misinformation and lack of transparency. I have made career decisions based on the information from XXXX  XXXX XXXX that I have reached the qualifying 120 payments, that the review time is up to 6 months and anticipated a decision by now.

Company response to consumer: Closed with non-monetary relief