BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
i closed my new BOFA credit card because i didnt know and didnt want to pay for the annual fee ... i tried to contact BOFA to closed my credit card, and they granted me ... SO, my credit card was finally closed on XX/XX/2018 ... however, the next couple months, it seems the card was not closed completely, and i got charged for the annual fee and the late fee and the interest. It keeps summing up until now, and i think its very not fair for me ... i would like to request help to resolve the problem, because i tried to talk to the BOFA customer sevice 4 times, and they wont 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 2019-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 WAS RECENTLY NOTIFIED BY A 3RD PARTY ADVISING THAT THERE WAS A CREDIT BREECH RECENTLY WITH TRANSUNION .I DECIDED TO LOOK INTO MY CREDIT REPORT AND I FOUND SOME UNAUTHORIZED INQUIRIES I DID SEND LETTERS TO ALL CREDITORS BUT HAVE NOT HEARD BACK. THESE INQUIRIES WERENT AUTHORIZED BY ME ANS ARE ALL FRAUD. PLEASE REMOVE OR SHOW PROOF I AUTHORIZED. 

XXXX ======XX/XX/XXXX XXXX XXXX -- -- -- -- -- -XX/XX/XXXX XXXX XXXX=======XX/XX/XXXX XXXX =========XX/XX/XXXX XXXX   XXXX XXXX XXXX=========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 2018-06-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed a account and the results was that it was deleted off my credit report, but it is still on my credit report. I want it to be removed soon as possible

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 2018-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ their records indicate a payment of {$62.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. In addition, on XX/XX/ their records indicate a payment of {$300.00} for Mortgage Insurance ( PMI ) for a due date of XX/XX/. The amount due on a monthly basis is {$300.00}. The {$62.00} payment amount should be refunded to my escrow account as an erroneous payment on their behalf. 

Please apply the over payment of {$62.00} to my escrow account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today I got a call from this person supposively working for Ace cash express he deposit me money but my account was blocked for fraud so i called and told him i was told it is fraud and i do not want the lend anymore and he told me to pay back I had to pay through Play store gift cards which seems not clear and I asked the lady in the bank and she only adviced me to report this because it is definetly scam, so the guy called me and threatened me with reporting that I dont pay back so i asked him to give me an existing account to pay back well he didnt and I told him to tell me where he was working at and he gave thia adress in XXXX which responds to a restaurant because this company does not serve in XXXX so apparently this is all fraud and when I told him i will be reporting him he told me he was going to send me a sherrif to my house. I do want to return the money if its a real company I just believe giftcards dont seem secure to pay back money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I got a voicemail from one XXXX XXXX who claim to work for Viking client services LLC and he said I owe a creditor ( XXXX cooperation ) a sum of {$290.00}. I have not had any dealings with this people before. Even though I am a XXXX XXXX member, I never had any rental with XXXX without payment or any issue. Ive been renting with XXXX for a long time and never had any issue, so this people from Viking service just started calling me with all sort of threat and demanding that I pay them {$290.00} and if I refuse, they would get a judgment against me and all sort of rubbish. 
For the sake of this communication, my XXXX member ID is XXXX I know that XXXX   went belly-up few weeks ago, but is that a good reason to start charging people fraudulently? Asking them to pay for a rental or other fees that they never used? 
Even if there was any issue, shouldnt XXXX suppose to reach out to a valued member who gives them lots of rental business year after year? I see why the XXXX  company is crumbling down, when you dont value your members and people that gives you business, bankruptcies is not far away. 
Pls help me stop this dubious and fraudulent people off my back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had a Mortgage with XXXX XXXX. for a property that was sold and approved by XXXX as a short sale in XX/XX/XXXX. This property had a successful closing and the XXXX XXXX  was paid and satisfied. 
Now @ XX/XX/XXXX the paid and satisfied loan was transferred to Shellpoint Mortgage from XXXX as an open unpaid Mortgage Loan. 
I have contacted Shellpoint Mortgage on a daily basis via their customer service phone number and also their loan servicing e-mail. I have been on hold hours at a time with representatives that have not been experienced in any loan assistance. 
I have provided supporting documents of the closing of the loan to XXXX as directed by the representatives. 
I have not received a response and this matter urgent matter continues to be unresolved. 
This is negatively impacting my credit, housing lease abilities and/or ability to request any financial loan or credit. Including my credit decreased on credit cards unfairly. 

Please see the below e-mail also sent from the attorney who completed the closing of the property : My office represented Ms. XXXX XXXX in the short sale of the above property, which CLOSED successfully with XXXX, the prior servicer, back in XX/XX/XXXX. MsXXXX XXXX has not owned this property, nor been responsible for this mortgage debt since our closing date of XX/XX/XXXX. 

I have attached not only the Satisfaction of Said mortgage, received from XXXX in XXXX, but also all closing documents and proof of wire sent to XXXX after closing. 

Ms. XXXX is copied on this email with her real estate agent. I am seeking written confirmation be sent to myself, or Ms. XXXX directly, confirming this loan has been satisfied and she owes your company no money for said mortgage. 

Please respond as soon as possible. 

Thank you XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, NJ XXXX Office : XXXX Cell : XXXX Fax : 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 2019-01-20
Company: Navient Solutions, LLC.
State: TX
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:
Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX or XXXX of this year I attempted to pay my Citibank Costco Visa account via their website. I scheduled the {$400.00} payment online for my next pay date which would have been for the XXXX or the XXXX of the following month. I went about my life and thought nothing else of it even though most of the time I paid them by phone. The following month I realized that my bill was never paid. After contacting them, they said that my bank denied the payment. I contacted XXXX XXXX XXXXXXXX to see what happened. They said that they never received a request to pay to bill. I assume that the Citibank website failed since my bill had definitely been set up and they acknowledged that by saying XXXX didn't pay it. I contacted Citibank once again to try to fix the situation. I did not want to be responsible for late fees and interest since it was their mistake. They would not work with me. I said fine, I will not pay you until you take care of the situation. This has continued all year with my credit score dropping monthly as late days and fees spiral. I check once a month to see if they are ready to negotiate the problem, but they never do. I have been with Citibank many years and have had great credit scores until this. I thought surely with the Covid epidemic and many people not being able to pay, they would be willing to straighten this out. It hasn't happened. They call me every day twice a day about this but are not willing to do anything. Last time I spoke with them they said that they needed a payment to even talk about it. Again I refused their strong arm tactics. I am willing to pay my bill. I am not willing to pay the late fees and the interest accrued because of this. I have two other Citibank cards without any problems since I didn't use their website to pay the bills. My ex has had problems with them, too. He ordered something online that he never received and they charged him anyway. Even after sending them the tracking information showing them that the product never left XXXX, he was still responsible for paying. Knowing my situation with them, he paid it, but these people are ripping off citizens left and right and are not paying for any of the consequences. They are unfair, especially considering the amount of money they received from the bailout at taxpayers ' expense.

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 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed itemd several times, along with proof to support my claim and they still refuse to remove inaccurate items. Now they refuse to dispute the items anymore.

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 2019-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a savings account at Wells Fargo to deposit money. I was told I needed a checking account, a second savings account, and a credit card in addition. I had no clue that the savings account had a minimum deposit of {$25000.00} to be maintained. Two years ago I withdrew most of the money from the account. I haven't looked at my balance over the years but had no clue Wells Fargo has been withdrawing a monthly fee to the point that the account is now empty.

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 2019-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have my reoccurring fees set up to be pulled from my account on the XXXX of every month so I can always be sure that I wont be charged an insufficient funds fee. However to my disappointment it does not matter that I am attempting to be responsible with money, Chase bank always posts the reoccurring fees last according to the representative I spoke with. This way they can charge consumers the most money.

3 reoccurring transactions debit my account on the XXXX of every month. In this case XX/XX/XXXX. I received a direct deposit from my place of employment and then as normal, any reoccurring fees are taken out first thing in the morning. I had enough to cover these reoccurring transactions Chase posted them on Tuesday, XX/XX/XXXX, not in the order they came in but purposely at the end to maximize their profit. They post these transactions this way because I currently have debit card coverage switched off and because of this, they cant charge my account {$34.00} for everyday debit card transactions. So I was charged 3 separate {$34.00} fees for the reoccurring transactions which apparently are treated differently than normal transactions. Obviously this isnt true because other banks, XXXX XXXX, treat this the same as any other transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: UT
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SYNCHRONY FINANCIAL
State: VA
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:
Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with Synchrony and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to Synchrony, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact Synchrony. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the BoA account is in good standing, my communication with Synchrony regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, 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 2022-03-29
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: Information belongs to someone else

Complaint:
A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: First Credit Services Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The XXXX XXXX XXXX XXXX NH has posted a debt collection of {$710.00} dollars to me regarding a health club membership since XX/XX/XXXX. 2020. Me XXXX XXXX had called them to say I had lost my debit card and to stop charging my account and to freeze my membership while I was out of state.. and they said that they would and when I had returned home I had called and they said I owed XXXX I tried to work this problem out with them multiple times saying I told them to freeze my membership and they were attempting to charge a card that was deactivated. I had many staff workers tell me they were not charging my account and that there was nothing they could do very rudely and not professional so I am submitting this because I had stated to them multiple times over phone to freeze my act because I was out of state and lost my debit card and they did not comply and were charging me for services I asked to stop receiving for the time being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have had freezes on my credit since 2012 since I am a victim of identity theft. I acquired personal pins from XXXX and Equifax and set up a XXXX  account to be able to manage my credit going forward. Since I am trying to apply for a mortgage, I have to temporarily lift my credit freeze with all 3 agencies. I had no problem with XXXX  and XXXX, but my experience with Equifax has been horrendous. I started by trying to log in to my account but, despite using the right username and password, was told I had to call. Upon calling and correctly answering all of their automated questions, I was told I had to speak to an agent. Upon speaking to an agent, I was told I had to mail or fax a copy of my drivers license and social security card. While I am INCREDIBLY uncomfortable faxing a copy of my social security card, it was clear I had no choice and so I faxed it in. I have been calling for the last 2 days for confirmation that it was received and keep being told I need to wait 3-5 business days. It is ABSURD that I need to wait 3-5 business days simply for confirmation that it was received. My social security card is just floating out there somewhere and I can not even be told that it was received. And what if it wasn't received? I will need to wait 3-5 business days, try to fax it in all over again, and wait another 3-5 business days. Additionally, I do not have a fax machine ( because who does these days?! ) and so I had to go to a XXXX and spend {$6.00} to fax in my documents. If I have to resubmit, that will be another {$6.00}. I should not have to spend any money to get access to my own information. So now I need to wait, and in this time I can not receive pre-approval for my mortgage and am unable to place offers on apartments that I want. I've already missed out on 2, how many more will I miss out while I wait for Equifax to do their job? During all this, Equifax is telling me that I can not use the pin that I have because they no longer use those ... which is the first I'm ever hearing of this! I was never even notified about that. It is truly incredible that I can have this little control over my own credit and receive zero information from their so-called customer service agents.

Company response to consumer: Closed with explanation