BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
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 is missing that should be on the report

Complaint:
I just got off the phone with a XXXX representative and she said that they are accurately reporting the payment history on my credit reports, but when I check on XXXX, Experian, and XXXX they all show incomplete payment history. They all show payment history from XX/XX/XXXX to XX/XX/XXXX even though some loans have been opened since XXXX. This is a huge mistake and it is hurting my ability to seek credit since it minimizes my actual length of credit.

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 2020-07-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have receive a notice on XXXX XXXX from CITI Master Card, about my account being " CLOSED ''. Apparently noone informed me, ahead time, about the fact that they believe that because I had " NO '' activity on my account in the last two years that this action was necessary. I have had this master card from more then ten years and NOTHING like this has very happen. Why would CITI take this step all of a sudden. I retire a few years back, and I have had no need to use my credit card, but If i need the use of this card at any time in the future. I think that I have earn the right to maintain my credit card without being subjective to CITI closing my account. I got in touch with a representative, and she indicate on the phone that I hadn't use my master card in a couple of years, therefore, they had the right to automatically close my account. This seem like a strange reason for CITI to take this action. Therefore I would like for CITI to apologize to me, and offer me extremely generous credit rate for making me have to take the action that I feel is unnecessary. I hope that CITI doesn't treat all of their customers this way. Sometime I feel like this might be happening, because I am a XXXX years old XXXX. I hope that this is not the case. I know that in many cases " XXXX '' have felt like they have experience discriminate in the financial industry.

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 2021-10-08
Company: Early Warning Services, LLC
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I XXXX  XXXX in order to change my info. I called the number and was asked by the person to download XXXX on apps. so that he could walk me through it. He had me pull up my account, and asked what bank was used for it. I told him. By the end of the call, he had gotten my banking code number and somehow used my XXXX to send money through Zelle. I've never even heard of Zelle. 
He took {$170.00} out of my account. I'm on XXXX, so that was all the money that I had until XXXX. 

The phone number they used was : XXXX, and the money was deposited to XXXX XXXX 's account. 
Transaction # XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Byrider Franchising, LLC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Credit inquiry s done without my permission several times. By XXXX and universal credit XX/XX/XXXX or XX/XX/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 2020-01-20
Company: CORELOGIC INC
State: OH
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:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-01-20
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a home burglary in 2017 which resulted in identity theft and lost credit cards. Although I submitted a police report to my credit card company XXXX, they still did not try to work on my behalf. Instead, they claimed the fraudulent charges as " bad debt '' and kept selling my account to multiple collection companies. One company dropped the account, XXXX sold it to the next. Now is LVNV funding under the name of Resurgent capital services. Everytime I tried to work with Resurgent or filed a complaint against them, they promised they would respond to me but then all they did was to mail a letter to me stating I should work with XXXX regarding the debt. They are the current owner of the debt, why kept running away instead of dealing with it? Had I wanted to be in debt, I would have incurred a larger debt instead of just {$2400.00}, dont you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!

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 2019-02-24
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
NAVY FEDERAL WOULD REPEATED CALL ME AND CALL ME MAM NUMEROUS TIMES. THEY WOULD FREEZE MY ACCOUNT. THEY ARE XXXX, XXXX, AND XXXX. I CAN NO LONGER CALL THEM TO RESOLVE PROBLEMS. THEY CALLEDTHE POLICE ON ME NUMEROUS TIMES. THEY FROZE MY ACCOUNTS WHILE I WAS IN XXXX AND XXXX.I HAD NO ACCESS TO FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

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 2018-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
... I probably should have called instead, but have always found the written word to carry more weight. 
I'm simply letting you know that I will not be using your Credit Card account for my billings on PayPal. I consider your APR to be exhorbitant. I would be using it as a means of keeping easier track of a certain class of purchases that I might make each month, and which would normally be paid for at the moment or when due at " month 's end ''. It hasn't been that long since the appropriate APR for such an account would be less than 6 %. I see no reason, other than corporate greed, that would call for such an inappropriate rate as you are asking. 
Good luck finding anyone XXXX enough to get tangled into these kinds of deals ; there should be a way to prosecute you for over charging honest citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}

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 explanation
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My home was foreclose on XX/XX/XXXX, I have attempted many times over regarding modification process, from the time XX/XX/XXXX until the time of foreclosure, I have reach out to the office of the president at Wells Fargo, and yet they refuse to grant modification program, I have file complaint with XXXX onto no unveil, Now my family is living in the streets because there is no remedy, I was denied Modification because wells Fargo On XXXX XXXX, a routine regulatory report submitted by Wells Fargo contained a startling admission : A review of the bank 's internal systems had revealed a calculation error affecting hundreds of struggling homeowners who had applied for mortgage modifications between XX/XX/XXXX and XX/XX/XXXX. 
Wells Fargo 's underwriting tool had miscalculated whether homeowners were eligible for the Home Affordable Modification Program or other government programs designed to help people remain in their homes despite difficulty making payments. Because of the glitch, around 625 Wells Fargo customers either were improperly denied mortgage modifications or were not informed they could qualify to have their loan terms modified.Hundreds of customers faced foreclosure after modification denials The Home Affordable Modification Program was intended to help struggling families modify their mortgages in cases of documented financial hardship. Participating homeowners had their monthly mortgage payments reduced by a median of more than {$530.00} through interest rate adjustments, loan forgiveness, forbearance, and extended repayment terms. An internal review of the Company 's use of a mortgage loan modification underwriting tool identified a calculation error that affected certain accounts that were in the foreclosure process between XX/XX/XXXX, and XX/XX/XXXX, when the error was corrected. This error in the modification tool caused an automated miscalculation of attorneys fees that were included for purposes of determining whether a customer qualified for a mortgage loan modification pursuant to the requirements of government-sponsored enterprises ... 
As a result of this error, approximately 625 customers were incorrectly denied a loan modification or were not offered a modification in cases where they would have otherwise qualified. In approximately 400 of these instances, after the loan modification was denied or the customer was deemed ineligible to be offered a loan modification, a foreclosure was completed. 

It appears that Mrs. XXXX XXXX and Wells Fargo enjoy foreclosing on American families so they can reap benefits of government monies and Consumer financial protection bureau watch it happen.

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 2021-02-11
Company: Affiliate Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XX/XX/21 Affiliate Asset Solutions continued to contact me without leaving a viable voicemail for return calls. I contacted them and would not give any personal information over the phone but they knew the number I was calling from. They asked for a specific person and hung up on me when I complained that the person of interest did not have this phone. I called back several times to establish how they got my information and what they wanted but since I wouldn't give my name I was subjected to repeated hang-ups and disrespect for my time with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been a long time customer with Bank of America for 15 years and had a premium checking account with free interest checking with account balance of {$5000.00} and free safety deposit box, waiver of certain fees for services such as certified checks, etc. However, about a year or ago BoA changed the terms of the Checking and Money Market Accounts and reduced overall services but increased the fees such as charging {$75.00} per yr for the safety deposit box. So I changed the checking account to one that required a lower balance for free checking of {$1500.00} and thought that the Money Market account was closed and the funds moved to the Checking Account. However, in XX/XX/2018 I noticed that instead of closing the Money Market Account BoA opened a savings account so I transferred all of the funds to my checking account and closed the account. However, the account started to accrue a $ XXXX  monthly fee. I noticed a few days ago that there was a - {$15.00} balance on the savings account. I called on XX/XX/XXXX and ( XXXX? ) worked to resolve the issue for 15 minutes when she could only waive a {$5.00} fee I asked to speak to a supervisor. 
The supervisor Mr XXXX put me on hold but hung up. He called me back and had me on the phone for another 30 minutes. I asked that they close the account and waive the fees. They waived another month of fees. However, they could not waive one of the fees so they would not close the account and are leaving it with a {$4.00} balance. 
I am a federal employee and went through 5 weeks with reduced pay so this additional hardship by an organization is unacceptable. I will go into the local BofA branch tomorrow - I will ask them if they can resolve the issue. This is an extreme hassle and I am extremely frustrated. BofA behavior is unacceptable and I can no longer bank with them so while I visit them tomorrow I will close my checking account and take my business elsewhere.

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 2018-08-22
Company: CITIBANK, N.A.
State: FL
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 ordered 2 truck doors from an online seller. The online seller said he only accepts XXXX and told me I must use the friends and family method thru XXXX. I did not know any better since I never purchased anything thru XXXX in this manner. The seller turned out to be a scammer, because if I used the regular XXXX  method he would be required to reimburse me the funds I paid him if I complained. Since he scammed me using this XXXX method, I filed a dispute with Sears credit card since this is the credit card attached to my XXXX account. These truck doors are very heavy and cost me almost {$200.00} to have shipped. The doors I ordered were not as described, they were in horrible shape and had rust holes everywhere. He took the pictures as to not show any of the defects and his online add said they were 99 % rust free and he even told me on the phone that these doors were in excellent condition. 
Sears said I had to return the doors to get a refund, I tried to explain to SEARS that this wasn't some small package that cost {$5.00} to return, that it was a very large item that would have to go truck freight and would cost about {$200.00} to ship. I've already paid {$200.00} to get them shipped to me. Since the online seller deliberately scammed me by selling me something that wasn't as described, the seller should pay for the shipping. I told SEARS they should be defending me, since I am their customer and have been an upstanding customer for many years. Instead, SEARS took the side of the scammer and insisted I pay for the shipping. I argued this point with SEARS over and over but they insisted I return the doors. When I contacted the seller/ Scammer and said I was going to return the doors, he said he was going to refuse the shipment and said he told me they were sold as-is. When SEARS called him, he told SEARS he would accept them back, but tells me he will refuse the shipment because I gave him a bad review. You see he knows how to work the system. I paid {$660.00} for the doors plus almost {$200.00} for shipping. why would I ship them back to satisfy SEARS knowing he won't accept them and then Id have to pay for shipping back to me again. If I did that, I'd be out for almost {$600.00} in freight charges plus the {$660.00} I paid for the doors. I am stuck, please help, SEARS is being unreasonable.

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 2021-06-23
Company: EQUIFAX, INC.
State: MD
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I spoke with representative XXXX on XX/XX/2022, and requested a refund for all of my loan payments I made during the pandemic. The representative said he submitted my request and said it would be 4-6 weeks to receive my refund from the Treasury. I spoke with representative XXXX, XXXX, on XX/XX/2022, and was told that my request was not submitted on XX/XX/XXXX. XXXX claims he submitted it and said I should receive my refund in XXXX. However, like on XX/XX/XXXX, I did not receive any written confirmation that my request has been submitted. Thus, I have no way of knowing whether my request was actually submitted and have zero trust that it has actually been submitted based on my experience the first time. I also have to wait at least an additional 4 weeks to receive my refund because of the companys negligence in doing its job as a loan servicer.

Company response to consumer: Closed with explanation