BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-25
Company: EQUIFAX, INC.
State: MI
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 have repeatedly asked EQUIFAX to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They are breaking all FCRA laws and I need your help to get this bankruptcy remove and all accounts included in bankruptcy. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I contact transunion and XXXX XXXX since XX/XX/2018 ... I went inside of XXXX XXXX and purchase some items and they told me that they update the account every month on the XXXX ... well as of now my account is still not updated with genesis financial or transunion ... when I contacted transunion they said the have no updates from my creditor XXXX XXXX ... and when I contacted genesis financial they are saying they have reported to transunion.. I am just confused and need this account updated on my transunion report thank you! When you for merchandise it should be updated

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 2019-05-25
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
First American Title Insurance Company has conducted a transaction on my property XXXX XXXX XXXX, XXXX, Pa XXXX without " permissible purpose. '' I, XXXX XXXX do not have a contractual agreement with this company to execute any transactions on my behalf. I requested documents of affiliation and this company responded stating they are missing documents in there file referencing the following : " Signed Final HUD/Closing Disclosure, Title Commitment/Prelim, Vesting Deed/Warranty Deed, Recorded Security Instrument and in order for me to receive information of a policy agreement I must furnish documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I received a alert from XXXX XXXX that my credit was ran at XXXX XXXX XXXX. I called the company and informed them my SSN was used and I did not use it. I realized during conversation that my SSN was obtained during the XXXX breach. XXXX XXXX Wanted me to send in a letter of dispute to get inquire removed from my account. I send information a week later during XX/XX/2017, this item remains on my account and affecting credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank closed my savings account on XX/XX/2022, because they thought there was some kind of fraud committed. The only transaction that was done by me was to reverse two transfers from my Citibank savings back into my originating XXXX XXXX XXXX. 

After many many calls to Citibank customer service and their Fraud Department, and two detailed letters this matter is still ongoing!!!!!

ALL THIS FOR JUST REVERSING TWO TRANSFERS FROM MY SAVINGS!!

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 2020-07-01
Company: EQUIFAX, 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 status incorrect

Complaint:
I HAVE CONTACTING XXXX, XXXX   AND EQUIFAX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in XX/XX/2007. I still have over 60k in student loan debt with Navient not including the private loan that they will not allow my co-signer to be released from. 
After multiple suggestion of deferment or forbearance they finally began to offer an income based repayment plan but the interest on the two federal loans had accumulated so much I still can not afford the payment. I was never able to get the help I needed and to this day I get conflicting information. My paperwork has been misplaced multiple times over the life of this loan. I hear so many negative things about this company and I am truly afraid that I will forever be haunted by this debt that could have been avoided had it not been for their unfair and deceptive practices. Ive had an inumerable amount of hardships and at no point did I find someone with to help. Most recently the govt. declared my county a disaster area but Navient still has no solutions. They have caused unnecessary hardship to my family and impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: DISCOVER BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was inquiring with Discover about a home equity loan, trying to find out about rates, possible monthly payments, terms, etc. on XX/XX/2018. The loan specialist did gave some rates and calculations after that she have told me to go ahead and she will start an application since she have prequalified me for the loan and will be getting more information from me and documentation as well. It was a lot of information and I feel that she was going fast and everything was just going fast. Nonetheless, the application was taken and then I have submitted documents that they were asking also. I called today XX/XX/2018 trying to ask if they can put my application on hold because I have  inquire some place else and they will be giving me a lower rate compare to what they are giving me so I ask if they did a credit inquiry already on my credit and they said yes so I ask if it was a soft or hard inquiry and they mentioned that it was a hard inquiry which I am really worry knowing that it seems different from what the loan specialist explained to me while obtaining my application and information over the phone. I have asked them is there any way that it can reversed since I wasn't aware that it will be a hard inquiry versus a soft inquiry the I would have thought about it some more knowing that she was giving me so much information over the phone and there are times that I have to ask her to repeat the questions or information because I feel that I wasn't fully understanding everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX continues to report that I owe them money on my credit report and they are reporting incorrect information. I owe them nor anyone else the money they are claiming I owe them. They responded to you without correcting any information. This is the last time I am writing a complaint before I take them to Small Claims Court and sue them for reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: DISCOVER BANK
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XX/XX/XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX Discover financial ser on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a loan modification with bank of America few years ago since the beginning I did not missed any payment but bank of American lying and keep saying other wise Every time I make a complaint about it they send their lawyers trying to intimidate me they say I made a Bankruptcy lying about it with not prove they claimed I own them or Im behind but every year they keep adjusted after the new number of my escrow or insurance they say I have a balance but they wont tell me why their lawyer only send all the papers that does not explains where the shores come from today XXXX of XXXX send me a paper that they will change my contract after their contract is not suppose to change and in his paper about changing the fist ring the say pr talk is about a bankruptcy bank of america gave me a loan modification that wanted to break now with his lying or fraudulent ways to bank or lend money

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 2019-05-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank is calling my family members harassing them with information about me. How they got my immediate families numbers is beyond me because I never listed them. When I called to confront them they stated they did nothing wrong and just left a message with my name and reference number and are unaware of how they even got their phone numbers but how they would be removed. They have yet to be removed and this is the second phone call I have made asking them to stop. The woman then proceeded to tell me that they just left a message before they took my account to a lawyer or attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
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: Information is missing that should be on the report

Complaint:
XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX, 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 XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called Wells Fargo to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other Wells Fargo cards as I now have a 680-720 credit score ( lower is because of this )

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 2018-08-13
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a {$250.00} Fee from M & T for not signing up M & T Bank 's Online Banking electronic billing statement program. I was under the understanding that I already was as I was an existing customer and my other accounts where electronic. On XX/XX/XXXX I received a letter warning that if i didn't sign up for auto payments and ebill that I would be fined. That day I called M & T 's customer services line. I informed the rep I was calling from the letter that was just sent. She looked over my account and told me that no further action had to be taken and that I can disregard the letter. The next month I was fined for not signing up, I have called the customer services line and refuted the charge. They keep coming back with that the warning letter was sent and I did not take action. I took action to mitigate my damages and was misled by an M & T rep and now have been charged {$250.00}.

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 monetary relief
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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 of XXXX I signed an invoice agreeing to pay a company that I thought was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX the amount of {$2700.00} using my Synchrony Credit Card. 

Since that time I have found that this merchant engaged in several deceitful business practices to include misrepresenting what their company name is on the invoice. Their company name is not XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are not authorized to operate in the state of Maryland under that name. And they are not authorized to bill me under that name. The legal name of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I did not agree to have XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Transmissions do any work for me. I did not sign an invoice agreeing to pay XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX any amount of money. The charge on the Synchrony Card is false. 

I filed a dispute with Synchrony CarXXXX on XX/XX/XXXX. I also submitted a document from a XXXX XXXX Investigator stating that XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was misrepresenting their name on the invoice. 

On XX/XX/XXXX I got an email saying that my Synchrony Bill was now due. When I called I was informed that the investigation was over and that the bank found in the merchants favor. 

On XX/XX/XXXX I sent a certified letter to Synchrony Bank requesting a formal letter of the bank 's decision. I also requested that copies of all the documents used to reach this decision be sent to me. 

As of the date of this letter I have yet to receive a formal letter stating the bank 's decision or any of the documents used to reach that decision. I have legal rights to these documents and I want them. 

I will be attaching a copy of the letter from the XXXX XXXX Investigator showing that the company misrepresented it's name on the invoice. i will also be attaching a copy of the invoice that the company misrepresented it's name on.

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 2018-08-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I called our mortgage company, Chase to ask about any programs that could lower our monthly mortgage payment. Our financial situation was changing and I was looking for ways to adjust our budget while we considered a long term solution. I asked about just making interest only payments but was told I could not make partial payments. I spoke to several different people in the beginning because each time you called the customer service number you got whoever answered the phone but eventfully I was told I needed to start missing payments to qualify and not just pay them late. I did get a packet to apply for Chase 's Mortgage assistance program which I mailed in using their prepaid envelope. But they didn't receive it, so then I faxed a copy to them in XX/XX/XXXX. But before I heard anything back from them I received a letter saying they would no longer be servicing my loan as of XX/XX/XXXX. That was the last I heard from them until XX/XX/XXXX when I received a letter from Chase telling me they may have made an error while we serviced your loan that could have extended the document collection period during our review of your application for mortgage assistance. We've enclosed a check for {$100.00}. as compensation. When XXXX took over in XX/XX/XXXX they wanted over {$5000.00}. to bring my account current or they would start foreclosure actions against me. Chase may not have had any control over what transpired after they transferred to another servicer but they sure had a hand in getting the ball rolling. Your customer service did not handle this correctly right from the start by giving misinformation, by misplacing documents, by not keeping me correctly informed about the status of my application. I was never denied anything, never asked for more documents or information just transferred. In XXXX you contacted us to give us a rate reduction because we paid on time ; had a very good credit rating and our LTV ratio was low. Within 30 days it was done and with no closing cost although I didn't think it was a great financial decision my husband was happy that the payment was lower. So what happened this time? It has cost us over {$9500.00} so far to keep my home from being sold at a sheriff sale. The loan value of my home has gone down because it's in foreclosure. We are trying to sell but it's been difficult since most home buyers don't want the uncertainty of a foreclosed home or they are investors who want to purchase at way below its value. And our credit rating has dropped considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Payment is not properly applied. Payment should apply first to principal and interest only. 
Previously complained. They corrected it. It happened again. In addition, the bank statement doesn't show how they came to the final regular payment. If there is a late fee, it doesn't show in the statement. I complained again today and the complaint # XXXX. The bank associate agreed there is a problem and is very helpful. There is either a problem with bank on line payment system and printed statements or Bank of America deliberately adopting financial malpractice.

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 2019-05-25
Company: Experian Information Solutions Inc.
State: MI
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 have repeatedly asked EXPERIAN to provide Method of verification of a public record bankruptcy and accounts included on my credit report. Ive mailed them several copies of a letter from the Michigan us bankruptcy court stating that they do not report to credit bureaus or third party credit agencies. I also provided a letter from XXXX stating no bankruptcy found. They breaking all FCRA laws and I need your help please to get bankruptcy remove and all accounts included in bankruptcy. Thank you. 
XX/XX/2019 XX/XX/2019 XX/XX/2019

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 2018-08-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted Navient in XX/XX/2018 requesting to continue my hardship program informing them that I am still having financial hardship and to please consider allowing me to keep or lower my current scheduled payments. I was hung up on three times until I finally reached someone, then placed on hold for about 25-minutes not realizing my credit report was being pulled. When the person came back, she then advised me that I had acquired new debt and didn't qualify since new debt had been acquired. I was a bit confused because I wasn't sure what she was talking about since I was unaware my credit had been pulled without my authorization and new debt had not been acquired. Regardless -- a loan had been refinanced to lower payments because I was unable to pay the amount. I then received a over draft because Navient took larger amount that I was aware out of my checking account and now they've increased payment to double the amount and refuse to work with me unless I will provide my bank and pay check stubs. They don't take into account two car payments, living expenses, nor the fact I can't even pay my private loan ... they are forcing me into bankruptcy and rude. I need help.

Company response to consumer: Closed with explanation