BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2018-06-14
Company: EQUIFAX, INC.
State: DE
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 have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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 was robbed and assaulted in XX/XX/XXXX and bank of america has not returned the fraud money of {$830.00} XXXX after the police have caught the suspect and investigation has been filed they have constantly lost paperwork and been =grossly incompantant. Theh have never contacted the detective or the district attorney who's numbers were provided in XX/XX/XXXX they never checked the cameras and have constantly made excuses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on an income based repayment plan. Got an email saying forbearance was a better option for my situation. It was not. Now I'm paying way more in interest than I otherwise would have without it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote BofA check number XXXX ( {$1700.00} ) to XXXX XXXX   for a mortgage payment in XX/XX/XXXX. XXXX did not credit my account. Upon review of check that was submitted for payment, the pay to name had been changed ( check fraud occurred ).  XXXX asked that BofA submit a claim to XXXX. BofA sent me a check fraud claim form in XX/XX/XXXX. I filled out this form, got it notarized and submitted to BofA, per BofA instructions. 
BofA received this on XX/XX/XXXX per USPS tracking for the response I sent. 
In Late XX/XX/XXXX, I got a letter from XXXX indicating they had stopped investigating this claim because they never received the notarized claim from BofA. I have called BofA numerous times and they still can not confirm that they sent my claim to XXXX. 
I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I  spoke to an XXXX at XXXX and XXXX. Each time, they said they had to talk to people in the back office to find out what was happening. To date, no one can tell me what BofA has done with my claim. 
Ive attached the USPS tracking form that shows delivery to BofA on XX/XX/XXXX and a copy of my notarized claim that I also emailed to BofA 2-3 weeks ago.

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 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Card had an available balance of my money of + {$1800.00} on XX/XX/XXXX. I have not made any transactions or withdrawn any money since then. My card was hacked by hundreds ( around 500 ) of withdraws transactions labeled XXXX INTERNET , California or XXXX XXXX XXXX XXXX XXXX, California mostly on XX/XX/XXXX and XX/XX/XXXX, almost all the transactions were in the amount of XXXX, XXXX, and XXXX, which drained my balance to XXXX $ on XX/XX/XXXX. 
I filed a complaint with the company and my claim # is XXXX, they gave me a credit of around 100 transactions in the amount of {$320.00} onXXXX and XX/XX/XXXX and promised to do the rest later. They still need to retrieve {$1500.00}. 
I have spoked with 4 of their agents on 4 different dates including the manager to complete the process but all they have been telling me is promises with no actions, I have spoken with XXXX in XXXX, XXXX in XXXX, XXXX in the middle of XXXX, and XXXX in XXXX. 
Please I need this to be resolved, it is going on for almost 4 months with no resolution at the end. 
Please I need help to get my money back and I am asking your 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 monetary relief
Consumer complaint received 2019-02-15
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Law Corporation : Patenaude and Felix from XXXX XXXX, CA, www.pandf.us, sent a collection letter to relatives around XX/XX/XXXX. The letter alleges {$5300.00} is owed on a XXXX XXXX credit card closed XX/XX/XXXX. XXXX XXXX Court records the case XXXX has been closed, debt settled and paid. The debt was paid through court ordered wage garnishment which was completed and terminated, paid in full in XX/XX/XXXX. It is now almost 15-20 years later and the new collection corporation Patenaude and Felix is attempting to collect on a debt that is no longer owed, and not valid, completely unlawful. In addition, the letter was sent to relatives to their XXXX XXXX which I  have never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TD Card Services has a reward program. To manage the program you have to sign up for their website. 

When you are going through the sign up procedure a terms and conditions pops up that you have to agree to. This terms and conditions is for electronic statements. It has nothing to do with access to the site. 

I missed two payments because of this. TD Bank reversed the late fees but wont change their login procedure. TD Bank wont reverse the late they sent to the credit bureau 's even though the first rep I spoke to was well aware of this problem. 

E-statements are useless to the average customer unless they are accompanied by an E-bill. Which TD Bank doesnt offer. This is a scam at best. Dont bother with their card. 

Who wants to deal with a company that trys to dupe their customers. Wont fix their procedures when an issue is discovered and wont do whats right when its brought to their attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Convergent XXXX keeps harrassment efforts on over a debt that is 10 years old after repeated demands that they cease and desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The company called XXXX XXXX XXXX is reporting to the TransUnion Credit Reporting Agency an account that they had purchased while there was an open dispute with the original creditor. This same account was removed from my XXXX credit report after I filed a complaint with the Consume Financial Protection Bureau.

The Original Creditor was reporting Incorrect Historical payment & info. The account does not show payment I have made on XX/XX/XXXX for {$140.00} The dates that the account 1st became late is wrong. The account was charged off on XX/XX/XXXX for {$220.00} The account would have been late before XX/XX/XXXX when it was charged off. 
Attached are supporting documents including the previous CFPB complaint

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 2017-12-04
Company: EQUIFAX, INC.
State: IN
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 have tried reaching out to XXXX, EQUIFAX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website. 

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.

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 2021-01-20
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account.

4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.

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 2018-03-26
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On Friday, XX/XX/XXXX around XXXX a XXXX XXXX from XXXX XXXX called my mother and threatened to further escalate his attempts to collect on a past due credit card payment. He has also called other family members and disclosed that he is attempting to collect a debt. I called XXXX, a debt counselor, to assist me in managing my debt and they recommended I file a complaint. They said anyone calling to collect a debt may only ask if I am there and how to reach me, not disclose that they are collecting a debt and certainly not to threaten further escalation of said attempt to collect upon this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services of XXXX MA, has sent a notice of debt from a company I have never dealt with. The cable company does not even do business in my area. I have lived at the same address for over 20 years, so did not recently move leaving unpaid bills. The letter states that if I do not notify them that I dispute this erroneous bill, they will assume this debt is valid. Apparently this company is known for the practice of sending out claims to anyone with a similar name. I have notified them in writing by certified mail that the debt is not mine. ( The cost of a certified letter, return receipt is now {$6.00} ). Credit collection companies should not be allowed to shift their burden of locating debtors to the general public. Their inclusion of a payment slip and return envelope for payment is misleading and deceptive to those who may not recognize the claim for payment is bogus. The debt collection company should be required to send documentation proving the basis or validity of their claim with the letter. For example, if this is a cable bill, state the address where the service was received. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loss draft case opened for damage to my home/roof. Selene Finance, LP received a 2nd check for my account on XX/XX/2020 from the insurance company for the remainder of the work. This check was to be mailed to me to finish pay for the work that was done. Today is now XX/XX/2020 and the check still has not been mailed out. I have been given the run around this entire time from different representatives. I was told an inspection was needed. I have not talked to an inspector nor I have I received a voicemail from an inspector acting on Selene 's behalf. I explained to their employees several times that I work during the day and I would need a message to let me know someone is trying to contact me. I requested to speak to a manager during one phone call, after waiting for 20 minutes I was forced off of the phone because the representative said she could not tie her line up any longer. She assured me that a manager would contact me within 24 hours. This never happened. The file  owner, XXXX, who has only reached out once since XX/XX/XXXX, has been of no assistance either. When I finally talked to her after several weeks, she said the check would be released. It still has not been released. Every time I call its the same story, that I need an inspection. Apparently they use an outside vendor who they say is calling, however, they are not leaving a message. I explained to 4 different representatives and included on 3 different voicemails that I work during they day and can not answer the phone. I have to have a message to know who is calling and what number to call them back on. A company should not be allowed to hold monies that does not belong to them and feel no responsibility to adhere to rules or regulations. The roofing company has issued a lien against my house because the remainder of the money has not been paid for the work they completed. I have already paid my portion of {$1000.00}, the deductible, and I should not have to pay any more out of my pocket. As I am typing this I am on the phone with a representative  now, XXXX, who is great, however, unable to assist me. Again, a manager is unavailable. Another inspection has been ordered. The circle just continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: NVR INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When building our new home my husband and I decided to work with the mortgage company recommended by our builder, NVR Mortgage. Overall the process was not smooth but in the end we closed on our dream home in XXXX 2015. Immediately after closing our mortgage was sold to another company. Last week we received notification that we had an escrow shortage of {$10000.00} and that our monthly payment was going to increase by over {$500.00}. After reviewing our closing documents and discussing with family and friends we discovered that the good faith estimate of our property taxes provided to us was fraudulent. Our property taxes were estimated to be only 1 % of our home value. Upon further research, standard in the business is an estimate of 1.5 %. Our actual property taxes are 2.12 % -- this information would have taken less than a minute to obtain by anyone preparing a good faith estimate. When making the decision to purchase our home we trusted the numbers that were quoted to us and were not told that this was an estimate. We were told that this will be your payment. 
I work in the medical field and make decisions on a daily basis that affect people for the rest of their lives. This is not something that I take lightly. The grossly inaccurate good faith estimate that NVR mortgage presented to us will affect us for the next 30+ years. Medical malpractice is an act or omission by a healthcare provider which deviates from the expected standards of practice in the medical community and causes injury to the patient ''. NVR mortgage clearly deviated from the standard of practice when providing our quote on property tax. We would not have purchased this home if we had known what our actual payment would turn out to be. We now owe {$10000.00} and our monthly payment will be increasing by over {$500.00} per month. We are devastated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like to start and say I'm XXXX XXXX XXXX  XXXX XXXX. I have served my country honorably.I was getting information from a Navy Federal call center representative for paying off an auto loan. She was belittling me and being very narcissistic. I asked her to transfer me to a manager because I didn't like her attitude and she said she was disconnecting the call I had a few choice words but she had already disconnected the call before she heard them. The next day I called and got a manager on the phone and was belittled again and asked to speak to a manager over her the call was once again disconnected. Navy Federal has declined my online and branch privileges. I live in an area where Im Not able to make deposits from my account. I feel this is very unjust and unfair. I was not the one who started being rude. I clearly asked for management 2 times and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Resurgent Capital Services L.P.
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:
An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.

Company response to consumer: Closed with explanation