BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PLEASE NOTE : The account number submitted with this claim is the CURRENT account number. The account number was CHANGED after the fraud was reported, and new cards were sent out. The account number submitted in this claim is the NEW one, and the OLD number is linked to this active account. ALL of the fraudulent charges referenced were charged to the OLD account number. 
Between XX/XX/XXXX and XX/XX/XXXX, about 162 separate fraudulent charges ( appearing as " XXXX '' and " XXXX '' ) appeared on our CitiCard XXXX   MasterCard. No actual purchases had taken place. A cursory calculation revealed charges in excess of {$3200.00} of fraudulent purchases, and an estimated $ 900+ in interest chargers collected by Citi . We made multiple phone calls to Citi 's customer service lines, and they disconnected us each time, after several long minutes, without a call back. We sent a detailed letter by USPS certified mail to Citi, which was received on XX/XX/XXXX. On XX/XX/XXXX, after failing to receive any acknowledgement or contact in reference to the fraud, we sent a fax to " Citi Brands Credit Bureau Disputes '', containing copies of every page of the 10-month series of statements, with the fraudulent charges clearly marked. Although there is a means of disputing charges online, Citi cut off the online disputed charges at a XX/XX/XXXX entry without comment, and has failed to either contact us nor adjudicate that limited number of claims, which represents a fraction of the charges. 
With our correspondence, we included web links and hard copy pages of research which demonstrated the well-known status within the banking/credit card industry of this specific fraud, dating back to, at latest, XX/XX/XXXX, and as much as 5 years prior to the first one appearing on our XX/XX/XXXX statement. We believe there is more than enough proof of fraud, that Citi is profiting by it, and their neglect to even confirm or act on our claim is intolerable.

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 2023-06-20
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Charged me {$90.00} for a returned check fee. This is ridiculous. These people call me ceaselessly all day long. When I don't answer their listed number, because I'm at work, they call from a bunch of other random Iowa telephone numbers. On average they call me 15-20 times per day. I have asked them not to call me but they still do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have to pay a ballon payment on my 2nd mortgage. The mortgage company is Specialized Loan Servicing. The ballon payment was due in XXXXI contacted SLS XX/XX/XXXX to have them send me a payoff quote. When I inquired about the status of the payoff, they told me it was never mailed. I have attempted to order the payoff many times since, and still have yet to receive it. When I call SLS they tell me it will be mailed, and it will be e-mailed to me in one business day. I have a conditional loan approved from my personal bank to pay the ballon payment off, but they need the payoff quote. I also can take money from my 401K, but they also need this document. SLS has threatened to forclose, but they will not send me the document I need to pay them off.

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 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from Bullcity for XXXX XXXX for {$870.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company will not give me a reason why I can not use the " Making home affordable Program '' again. By law, they say a person should be able to do this as many time as they need to. The first time I '' did it, they did not lower my payment enough and my interest is over 5 % still. I am XXXX years old and I do not make enough money for all the bills and mortgage and I never get to buy food. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried to work with XXXX XXXX for years but they keep putting me in forbearance and now my loan has gone from {$60000.00} to over {$200000.00}. 

I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Patenaude & Felix A Professional Corporation
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, with Patenaude & Felix, PC, representing XXXX, is refusing to provide a letter stating I have paid my account in full. He stated it is not their obligation to provide this letter. It is up to their client. However, their client, XXXX, refuses to give me a letter. They have received their money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: NY
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 contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2018-02-08
Company: FC HoldCo LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. Likewise, i called several times to get assistance. Im transferred and told I need special processing then h7ng up on. Ive been hung up on today by 3 representatives.

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 2021-01-22
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received calls from XXXX 2 times today -- XXXX, XXXX. Also on XX/XX/2021 at XXXX & XXXX. I called back and it's apparently from Receivables Performance Management, a debt collection agency, looking for my XXXX year old daughter who doesn't live with me & has a different cell phone #. We've been through this before & it's a scam, claiming she owes XXXX XXXX {$50.00} -- she doesn't. She contacted XXXX when it happened months ago & they said it's a total scam. I googled the # & it pops up as XXXX XXXX scam also. I have reported all of their # 's before ( also XXXX -- they always use the same exchange ) but they're back at it.

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 2018-09-17
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I moved in to XXXX XXXX XXXX in 2013. I informed them my new construction home was being built and i would likely move out before XX/XX/2013. I was informed I would have to be out before the beginning of the any month and still pay that months rent per policy of breaking the lease prior to 1 year. I moved out in XXXX more the two weeks before the XXXX as well as had the apartment cleaned. I also gave them the last check that they requested ( which they cashed in XXXX ). I have never heard from them since until applying for credit and being told XXXX XXXX XXXX in collecting on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage Co, Nationstar has not given me credit for one of the monthly mortgages payments I made this year. 
Between XX/XX/XXXX and XX/XX/XXXX I made partial payments which were misapplied to my account by Nationstar. I have been on the phone multiply times with their representatives in an effort to correct this without success. 
At my request they sent me a transaction history on my account it confirmed that through XX/XX/XXXX my records agreed with theirs. However after XX/XX/XXXX it is impossible for me to decipher the transaction history they sent me. 
But the bottom line is this, between XX/XX/XXXX and XX/XX/XXXX I paid a total of 6 payments and their records only give me credit for 5 payments As of XX/XX/XXXX they say that I was past due for the XXXX XXXX payment and that 's not true. At that date I was next due for the XX/XX/XXXX payment. 
Please see attached the transaction history they sent me, together with my notes listing the payments I 've made since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..

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 2023-01-04
Company: Experian Information Solutions Inc.
State: IL
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 submitted a request in writing requesting for a complete verification of a few items on my credit report with all three bureaus. The request was sent in well over 30 days and they did not provide any verifiable information that proves these accounts have been completely verified. In addition the dates and amounts are still reflecting different between all three bureaus XXXX, XXXX and Experian. The accounts that I submitted a written request for complete verification are the following : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened and closed dates are different with all three bureaus. 
This should have been fixed ad since now they have not honored the rights I am due legally they must remove the items that were not verified since they are inaccurately reporting on all three bureaus. Please assist me with getting a proper response and now resolution. Thank you.

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 2020-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 would like help disputing two charges on my Bank of America account. The charges were placed on XX/XX/2019 one for {$4400.00} and the second for {$4400.00} by a company by the name of XXXX XXXX, XXXX aka XXXX. I now realize this was not a legitimate business opportunity and what they sold me was much different then what I have received. They have not provided the services as described. I have paid several companies on other cards and have attempted to obtain refunds to no avail I have been told that I am out of the cancellation period and there are no refunds. How can this be? These companies have taken advantage of me. They have charged me close to {$30000.00} and I am supposed to accept their policy when they have scammed me? I would like Bank of America to see that these charges are immediately refunded to me, this company has failed to perform.

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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One has had my money frozen for something that has nothing to do with them nor is it was it any fraud involved! Ive asked and sent information request and still havent been resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have dealt with Mr. Cooper recently thru you all, I have paid everything up to date. As of today they continue to claim that I still owe for XX/XX/XXXX which you will see in an attached spreadsheet that I am current and also paid a late fee. They have never worked with me/destroyed my credit and also continue to charge me the additional cost for home insurance which I pay separately {$63.00} every month since XX/XX/XXXX and they are also increasing my mortgage payment without any explanation. I have no choice but to continue with this company since my credit report is poor but I beg for some action to be taken for their neglect of any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: GreenSky, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have sent two separate letters by Certified Mail asking GreenSky requesting to Cease Further Communication. The first letter was sent XX/XX/20 and the second was sent XX/XX/20. They call my husband every single day. They call myself, they call my daughter 's boyfriend, they call my brother in law. It's gotten ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 contacted you on XX/XX/21 explaining that my identity has been stolen in complaint XXXX. I submitted documents but this request was not reviewed & it has been well over 30 days. Please delete the information listed on this identity theft 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 2021-04-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I have six inquiries from XXXX XXXX on my Experian credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my Experian 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