BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
These accounts are on my credit and I fill that’s they should be removed I don’t recall all the things on my credit it’s about 50 thousand dollars of things on my credit that should be removed it’s holding me up on purchasing me a house also the things on my credit is ver old and should be removed so I can move on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. 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 explanation
Consumer complaint received 2020-10-24
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: Account status incorrect

Complaint:
My account was showed on the credit report as being late in XXXX and XXXX, I've always paid my account on time before the Covid -19 crisis, I contacted the company to let them know I was quarantined for two weeks both months due to covid exposure and the creditor told me it would not be a problem and it wouldn't affect my account but they still reported late payments to my credit report, I have disputed the account and provided paperwork but both times nothing has changed

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 2020-12-08
Company: EQUIFAX, 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:
There are several issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items I read parts of the FCRA and I am aware of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had a small balance on my line of credit with Chase. 

I paid {$430.00} towards my loan on XX/XX/2021 at the XXXX CA branch. 
XXXX. For some reason, the branch overpaid the principal balance, making it negative ( credit balance ) XXXX. In XXXX, even though the total account balance was negative, Chase went ahead and charged me a late fee ( XXXX? ) XXXX after unsuccessful attempt at trying to resolve this over the customer support line, I went to the XXXX XXXX branch on XX/XX/XXXX to sort this out, and I was told that I need to call the XXXX line first, or come back next day to see the business banker even though she was in the office. 
XXXX. I got a letter today XX/XX/XXXX informing me that my account was past due and a late fee was applied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. AR  CHILD SUPPORT ENF XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX  XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} AR CHILD SUPPORT ENF XXXX {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
As of XX/XX/2019 I had $XXXX in my checking account.  I made purchases using my debit card on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as having had several unexpected automatic withdrawals in the same time frame.  Even though my transactions took place on those dates and were in the processing stage, Bank of America took it upon themselves to hold off on processing the transactions until a check cleared and sent my account into the negative.  The check didn't even show up on my online account or on my mobile app until the XX/XX/XXXX, but the bank shuffled the processing around so that 3 additional transactions which were processing days before processed after the check processed.  This caused my account to be charged 4 overdraft fees of $XXXX each.  Then on top of that they added an additional overdraft fee after my paycheck was directly deposited which brought my account into a positive balance despite the fact that there weren't any additional charges on my account causing it to go negative.  So on top of the 4 overdraft fees that they had already charged me, they added a fifth one, just to pocket extra money.  I tried speaking to customer service and even went as far as to speak with someone claiming to be a supervisor who told me that they would never reimburse any of the charges back to my account, despite being a loyal banking customer of theirs for over 16 years.  Please take notice of the number of transactions that took place putting the account in negative status.

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: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2020, I spoke with a collector which I believe his name is XXXX at XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX, Washington  Office, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX. I spoke with this collector in length about paying monthly payments or to settle out the debt. After speaking with this collector, he wasn't wanting to work with me and I advise him I wasn't working and then afterwards he said your husband works and I was playing games and since my husband works and we will go after him. I was very distraught and spoke with my husband about the call. My husband called them and he spoke with XXXX-XXXX  which refused to file a complaint and also he asked for a debt validation because they had my husbands SS # and date of birth. My husband then called back to speak to a manager, He spoke with XXXX XXXX, and after speaking with him about the call, he mentioned the collector did make a mistake and apologized but refused to accept blame. My husband spoke to him about the debt that was created before the marriage. XXXX stated that the attorney forgot to click off a button and a suit was filed for both our names but now my husband wasn't responsible for the debt. He also wouldn't comment how they have his SS # and DOB. He wouldn't go any further but to collect the amount due. First XXXX didn't address the issue that my husband was refused the opportunity to file a complaint nor was I given the opportunity to ask for a debt validation. This is wrong at all levels of this company!

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 2020-10-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
I am a senior who was scammed by phone and online on XX/XX/XXXX and XXXX of XXXX with a gift card scam for a total of {$9000.00} charged on my USAA Savings Bank Visa card. The bank was notified to try to reverse charges but said they could not do so. Visa was also notified who referred me back to USAA Bank. A police report was filed that USAA Bank already has along with the details of this case which include the merchants involved. I tried to submit this as fraud, identity theft and also under my homeowner 's insurance as well as resubmitting under Elder Abuse but today XX/XX/XXXX was informed by USAA that my claim was again denied as I am still liable for the amount. The police case # is XXXX and the officer 's name is XXXX XXXX with XXXX XXXX County Sheriff 's Department, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, telephone XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Complaint : XXXX I never had any communication with the debt collect Berlin-Wheeler. Berlin Wheeler never contacted me with the notification or verification of debt to provide me an opportunity to pay the debt. I paid the debt directly to XXXX XXXX when the negative account appeared on my credit report. 

I moved XX/XX/2020. I do not believe this Collection Agency was in possession of my correct address or phone number so there is not way they sent me a notification of this debt. The company has since adjusted the balance to owed to Berlin Wheeler but did not remove the blemish from my report.

This collection should have not been placed on my credit report without prior notification. In the first paragraph if the response provided by the company states that their attempts to contact me were unsuccessful but they still reported the negative information on my credit 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 2017-08-25
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
IN XX/XX/XXXX I notified Nationstar of an error in applying payments and they acknowledge the error - They further accknowledge the need to correct and reset my mortgage - I have been assisted by an excellent member ( XXXX XXXX ) - however XXXX XXXX has been promoted and the correction is pending 5 months later and as of today - still unresolved. 

XXXX XXXX have confirmed in writing - ( 1 ) I have been wrongly been reported as in foreclosure, ( 2 ) I have wrongly been accessed legal fees, ( 3 ) I have wrongly lost my fixed price interest rate and defaulted to a adjustable rate, ( 4 ) I have wrongly been accessed Admin fees in excess of {$500.00} per month for more than a year ... .. ( 5 ) my credit report has been impacted by these errors for more than 8 months - Nationstar/XXXX XXXX has tried repeatedly, but after 5 billing cycles has been unable to resolve, reset and fix these HUGE errors - that Nationstar admits are completely their admin errors. 

XXXX XXXX is a wonderful man and has been a blessing - however he is not being supported by Nationstars processes to correct these error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: FMA Alliance, Ltd.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously paid my XXXX account in XX/XX/XXXX and was informed that my Credit Reports would be updated to reflect that my XXXX Account was Settled, however, it is still showing the account Not Settled and Balance of over XXXX. This account was settled through XXXX XXXX XXXX in XXXX, GA and verified payment was made through my account with XXXX XXXX XXXX XXXX for {$2300.00} on XX/XX/XXXX and my account is still showing Not Settled with XXXX XXXX XXXX. I have been illegally Discriminated against with these ruthless tactics by XXXX XXXX who sold the account to XXXX XXXX XXXX who has also collected on behalf of XXXX. Therefore, my account is not properly reflecting as settled and this is nothing more than a Bait and Switch illegal tactic utilzied and corroborated by XXXX XXXX and XXXX XXXX XXXX. My XXXX Account should be showing Settled because I was promised this would be reported to the Credit Beaurau once the account was settled. Also, XXXX XXXX XXXX lied when I called them stating that the account is reflecting correctly and it is not. My balance has been paid in a Settlement Agreement and I was assured that the Account would reflect appropriately on my Credit Bureau. Other Retail Organizations also update the credit once an account has been settled, although it was sold to another entity. I have never heard of such lies being portrayed by XXXX and XXXX  and XXXX XXXX XXXX through their Bait and Switch Tactics. I would not have agreed to pay the account off if the Agency would not have agreed to ensure the account shows as Settled on my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently mailed dispute forms to both XXXX and Experian about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both XXXX and Experian dropped my credit score further more. XXXX dropped my score 70 points while Experian dropped my score 13 points. XXXX updated my credit report and deleted the faulty reporting.

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 2019-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Penny Mac bought my loan last XX/XX/XXXX, this XX/XX/XXXX they raised my escrow payment from {$300.00} to {$380.00}. my taxes went up around {$40.00} and insurance {$30.00}. all together {$70.00} does not meant i should have to pay Penny Mac an extra {$70.00} a month. At this point it is taking 3 of  my 4 checks to pay my house payment. I do not understand how this is legal to ask for a lot more money than my actual taxes and insurance are. Also I have to pay a mortgage insurance I do not understand why. please help more or send me to someone that can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: AES/PHEAA
State: OH
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 an XXXX XXXX XXXX XXXX in a XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX.  This is my 13th year as a XXXX, but they are telling me I only have 3 years of qualifying payments toward the required 10 years of loan repayments. The program is unnecessarily tricky, and I was encouraged to utilize forbearance rather than counseled earlier to go with income driven. There was also some form that wasn’t filled out in order for years of payments to count. This is rubbish and it’s wrong. Please find a way to make this company correct the years that should count toward my loan forgiveness. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.

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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One double reported my amount of debt so my amount of debt looks like im using 250 % but my report clearly says i have a balance of XXXX $ and a total credit line of XXXX I'm struggling to repair my credit as is with unsurmountable student loan debt that ill end up dead, literally, before I have a chance to even pay on. Credit scores ruined my life. Literally. Please fix this, you have done enough damage as is. I have almost killed myself twice. Two times because I cant see a way out of  this mess. Just fix it XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
credit agencies are listing a negative account balance that does not belong to me and is fraud on my credit files I have requested the removal of this account and they have not done so or notified me of the results within thirty days they have not investigated this matter and this has caused a great deal of hardship and has had a major negative impact on my 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 2019-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Complainant was appointed as Conservator of a XXXX person in XX/XX/XXXX. Conservator account was established at Citizens Bank. On XX/XX/XXXX, the XXXX person removed the balance of the Conservator account and opened a new personal account in her name Citizens Bank. As the XXXX person has been adjudicated incompetent to handle her personal funds, Citizens Bank should not have allowed this. On XX/XX/XXXX, the Conservator discovered the withdrawal when attempting to pay bills. She worked with a customer service person at Citizens Bank, XXXX, MA, and most of the funds were recovered. The XXXX person 's new account was also closed and the balance of {$130.00} deposited in the Conservator account. The bills were paid. 
The XXXX person filed a complaint of fraud with Citizens Bank, and Citizens Bank debited {$130.00} from the Conservator 's personal checking account and placed it in the XXXX person 's reopened account. 
Citizens Bank had no authority to debit the Conservator 's personal account for any reason. 
Everything done by the XXXX person was done over the telephone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 my stimulus check was deposited into my old bbva checking account. 
The check is for {$1200.00}. 

Ive contacted BBVA, since then Ive yet to receive my check. One representative told me they mailed it to the wrong address. I had another representative tell me they would void the check and reissue a new one to my correct address.

Two weeks pass, I send an email to check the status of my reissued check, I never response. After I reaching out again a few times after I received disrespect and no information on my check. Ive yet to receive my check or any updates on where my check is. 

This has been unacceptable from a company that I banked with and trusted. This has cause me many problems, we are in the middle of a pandemic. Everyone needs their money and Ive been neglected if mine, I feel as if they took my money.

Company response to consumer: Closed with non-monetary relief