BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm demanding that the credit reporting agency Transunion either provide me with their Method Of Verification in regards to this instant matter or as stated within the FCRA laws delete/ remove / block the disputed accounts immediately. This is also backed by the FTC, inwhom I will report this issue to next if this isn't solved. These two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX {$180.00}, and ( 2 ) XXXX  XXXX XXXX XXXX {$950.00}, I have disputed for a few months now, but Transunion response by saying accounts verified. This is being reported without any physical documentation provided to me or them. I never recieved information regarding this Method used. Whom spoken with whom, what day, time, hour this investigation taken place. What lines of communication used, fax, email, phone, etc. Transunion without properly investigating these accounts has damaged my chances of getting any extended line of credit like a house.

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 2018-04-29
Company: EQUIFAX, INC.
State: MI
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:
Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/2019 Navient gave me a lowered monthly payment. They took the money out of my account the same day. 
Today ( XX/XX/2019 ) I was informed through email that I did not qualify for the loan modification. 
Am I wrong in believing that if they took the modified payment amount out of my checking account, they have entered into a contract through their action? Is their attestation that I didn't qualify for the loan modification after taking the adjusted amount out of my account an attempt to break that contract? 
Thanks for your help in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi, OnXX/XX/XXXX at around XXXX EDT, I received a call from Citibank asking me to verify a recent debit card transaction. I denied the transaction, but moments later wire transfers were being sent from my account. I called the bank immediately to notify them that these were fraudulent activities and to stop whomever was draining my account. They were courteous, respectful and professional at all times and once they verified me they were helpful in trying to understand and deal with the problem. It has been nearly 24 hours and i have not received any notification from the bank as to the details as to what happened and whether or not I will regain my access to my account, disposition of funds, and details as to what happened. Thank you. 

regards, 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am having issues with getting errors fixed on my Transunion credit report. I notified them on several occasions and they illegally verified the information without providing proof and continue to report it even though they have all the required documentation that proves that it is wrong. They are basically giving me the run around and sending the same response. I feel I have no choice but legal action against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The school closed in XXXX. My parent loan was illegally charged and I couldn't pay my son 's last year, so he was not allowed to continue. They still added the amount to my account. We tried to resolved but the school closed down. My son has been denied transcripts and thus the opportunity to get degree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
- my XX/XX/XXXX purchase from XXXX of {$5500.00} was put into the " Chase plan '' - a payment plan. It has never been refunded by the merchant, nor should it have been. 

- on XX/XX/XXXX I made a new and different purchase with XXXX of {$7300.00} which was not put into a Chase plan - that XX/XX/XXXX purchase was refunded by the merchant when I cancelled the ticket less a {$200.00} cancellation fee - the amount refunded was {$7100.00} Chase erroneously ended my " Chase XXXX '' for the XX/XX/XXXX purchase of {$5500.00} - their only explanation of this move is that they think the amount was paid off/refunded by the merchant, when it clearly was not. 

Neither I nor the merchant paid off or refunded the original {$5500.00} purchase. Obviously that amount should still be in the Chase plan as per the terms and conditions agreed upon. Chase is claiming that they do not see in black and white that these were 2 entirely separate transactions on different dates and in different amounts with the same merchant. The {$7100.00} refund of the {$7300.00} XX/XX/XXXX purchase has absolutely nothing to do with the XX/XX/XXXX purchase of {$5500.00} which is supposed to be on a payment plan. I am being charged interest and late fees now on this purchase and it should be returned to the Chase plan that I signed up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted Harris and Harris Limited ( XXXX ) numerous times to ask them to stop calling my number because ( 1 ) I have no debt collection issues with them or anyone and ( 2 ) there is no other person in my home at this phone number. Each time they stated they would remove my number from their data base ; however they continue to make frequent Robo Calls regarding debt collection and XXXX XXXX programs. 

I have never been the subject of any debt collection activity related to this company or any other debt collection entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX homeowner, I was working with Shellpoint Mortgage servicing my point of contact on a repayment plan. In late XX/XX/XXXX, I submitted an Application to XXXX XXXX XXXX XXXX  early XX/XX/XXXX. Shellpoints mother company filed a foreclosure complaint on XXXX. They put an abandoned/vacant notice on my neighbors home that had my address on it. They sent foreclosure documents to my exhusbands home with my name on them. My ex husband has never been on my loan or title, they sent paperwork to my mothers home in which shes been deceased for over 5 years and I havent live there in over XXXX. They never sent foreclosure paperwork to the home in question my home XXXX XXXX XXXX XXXX Ohio. 
On XXXX XXXX I was approved by the Ohio homeowners finance agency for the Rescue funds through the homeowners funding agency. New Rez LLC attorneys have accelerated the fees and have not halted the foreclosure proceedings and keep saying the forward the amount I have in default of {$10000.00} to the Ohio home Finance Agency who has confirmed to me they have not received any Response at all from Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: AZ
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:
In XXXX, two ( 2 ) payments were made in the amount of {$2000.00} and {$400.00}. The payment amounts should have been applied to a balance subject to interest rate of {$430.00} that expired on XX/XX/XXXX however it was not. On the XXXX statements the full amount subject to the balance transfer offer 4 was added to standard purchase rate in the amount of {$1100.00} calculating an interest charge of {$13.00}. 

The allocation of payments should be to the balance transfer first in accordance with Regulation Z. This is an unfair and deceptive practice. I want the {$13.00} and any other interest charged in XXXX having to do with the balance transfer offer 4 that should have been paid off credit to my account. The only interest I should be paying is the .99 % balance transfer that expires on XX/XX/XXXX and any purchases made.

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 2020-04-22
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Despite having my bankruptcy XXXX on XX/XX/XXXX, Nationstar Mortgage d/b/a Mr. Cooper has refused to remove the bankruptcy codes from my existing seven ( 7 ) mortgage loans ( despite repeated calls and a Qualified Written Request submitted on XX/XX/XXXX, that they never responded to ) to indicate that those loans have all been re-affirmed. As a result, they still do not report to the credit bureaus as being current and are still coded as being in bankruptcy subject to applicable bankruptcy statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My mortgage loan was transferred from XXXX to Flagstar Bank , FSB, XXXX XXXX XXXX, XXXX, MI XXXX. I set up on-line access and I can see my information as well as information for another individual 's account. I assume that since their private information is intermixed with my own, that my information is also compromised. I spoke to customer service on XX/XX/XXXX, who stated that they could not see the information that I could. They transferred me to a supervisor who never answered.

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 2022-12-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX. I made a payment to America express. 

America express only applied {$1100.00}. I have been calling so they can applied the right amount and they continue saying that it was a mistake and they were going to fix it and we still waiting for them to fix the issue. it has been a month from them collecting interest on an amount that was payoff. 

This is not right i do not own them anything i want the money back or the money to be apply to the balance. I attached the whole statement to prove it. 

Also they advised that they were going to give me XXXX miles when i spend XXXX dollars when i called they told me i had a chance to get it until XX/XX/XXXX. them they told me it was too late that was only until XX/XX/XXXX that is false advertising. i want this issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: CITIBANK, N.A.
State: MI
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:
This banks new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Such policies, should not be endorsed by our federal government, which instead should do business with companies that respect all of our constitutional rights, including the Second Amendment. Our federal government should take all necessary steps to review and terminate its contract with Citibank unless they rescind their guidelines.

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 2019-03-03
Company: SYNCHRONY FINANCIAL
State: LA
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 a hard inquiry from Syncb/ppextr on XX/XX/2019 that i did not apply for or authorize. My credit score dropped 18 points because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I contacted Capital about a secured credit card that I had open and I wanted to close. I called in asking about how the process works with the security deposit. I was advised if there was a balance on the credit card the deposit would be applied to the account within 5 days of closure. I closed the account and waited for the deposit to be posted to the account. I waited 2 weeks and I finally called Capital One. The rep I spoke to indicated it should have happened within 5 days of closure and he was unsure why. He transferred me to a supervisor and the supervisor was unsure as well. He asked that I call back in a week. 5 days later I get a notification that my credit was decreased by 34 points because the account was closed and had a negative balance. I called Capital One again and was told it would take up to two billing cycles. I asked to speak to a supervisor because that wasn't the information I was provided previously. I spoke to a Supervisor named XXXX and he advised that he was unsure why the credit had not posted within the 5 days. After 1 hour on the phone he advises me that it could take up to 70 days to credit the account and that it was not their error even though he acknowledged I was provided incorrect informationon to include his initial response. I advised him this is unacceptable as this is effecting my credit and I only closed the account at the direction of Capital One with expectation of having this credit within 5 days. No one at this company is willing to assist in the error they clearly caused nor provide any assistance of remedy to the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
Discover dispute department doesnt know how to handle fraud transactions. They kept on applying all the fraud charges I reported. I was a victim of identity theft and they dont even recognized that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11
Company: ALLY FINANCIAL INC.
State: IL
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:
Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX  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 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the XXXX  Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.

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 2020-07-16
Company: Midwest Recovery Systems
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have no contractual agreement with this company Midwest Recovery Systems and I revised this to be send back to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
We were misled by the CHASE credit card 's 0 % APR cash offer that we did utilize twice in XX/XX/XXXX and in XX/XX/XXXX we paid it all back early, because of the scam about charging auto-matic purchase interest even when paying off all of our charges off every month, as usual. 

All 4 statements- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are attached, showing the history. 

Also attached is the XX/XX/XXXX letter to Chase regarding the mistake that they had made on our XX/XX/XXXX that appeared to cause a pitfall " every month '' as they again charged us purchase interest, ( on XX/XX/XXXX for {$37.00} and XX/XX/XXXX for {$22.00} ) even with ALL PURCHASES being paid off on or before the due date, as we always do. We'd like our {$60.00} for these amounts, returned immediately to our Chase card that ends in - XXXX. 

We never would have accepted their offer for only a 3 % transaction fee if Chase had disclosed that all of our re-occurring charges and other purchases, on this visa that ends in - XXXX. 

{$170.00} is the amount that we were charged on our XX/XX/XXXX statement for the {$5900.00} cash advance, we are not going to demand that CHASE return that, but they should. As anyone can see, we surely did not get to enjoy their offer for 0 % APR on the cash advance part of the statement for the year that they offered! We had to pay it off early to avoid that monthly " scam '' they run on the purchases! You'd have to pay off every purchase, while it's only a " pending authorization '' and before it posts to the statement to avoid being charged " purchase interest ''!

Company response to consumer: Closed with explanation