BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took classes at university of XXXX and all classes were paid by student loans or grants. I have pictures from their web site saying all classes taken were paid also showing a XXXX balance on the payment screen! Yet they are reporting to experian that I owe them {$4700.00} written off. {$4700.00} past due as of XXXX. This is not correct! I even withdrew before the withdraw date so as to not owe them money! How can their website say one thing and then report another and they get their money directly!

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 2019-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When B of A sent me a notice last fall that my mortgage payment would be increasing over $ XXXX/month I called the to find out why. What ensued was 9 months of purgatory trying to resolve it. Dozens of phone conversations lead nowhere so I wrote a lengthy letter, enclosed copies of many months of statements, and a spread sheet detailing what I was billed, what I paid, etc. RESPA regulations state that B of A has 5 days to respond acknowledging receipt of my complaint and 30 days to come up with a resolution. I never received acknowledgment of the packet I sent, and of course, there was no following letter with a resolution. 

This angered me so I complained on your website as well as 3 other government financial websites. My complaint through you resulted in it being forwarded to B of A 's Regulatory Complaint Servicing department to a Mr. XXXX XXXX. He contacted me and promised to research and come up with some resolution. His resolution ended up being to close the file doing nothing and telling me I was wrong and B of A was right. One of the things I asked for was restoration of credit scores that were damaged with B of A 's incorrectly reporting late payments and missed payments He did that research before even finding out what was wrong and making corrections. So, of course, the result in B of A 's eyes is they are correct. 

The problem was an escrow issue. After Mr. XXXX closed the complaint file, I called Escrow again, and was fortunate enough to connect with a highly professional, experienced and knowledgeable rep there who, after my spending some time convincing her there was indeed a problem there, she took one more look and agreed with me. She turned the account over to her manager, who made the corrections that night, reversed late fees, and within what seemed like just a day 's time my escrow analysis was corrected and my monthly payment dropped by $ XXXX/month from what the originally demanded. 

My complaints are 2-fold. There has been a RESPA violation by B of A never responding in any way to my original complaint. 

Mr. XXXX XXXX, who was charged with finding a resolution, phoned it in. In other words, was negligent. 

I told gave Mr. XXXX a list of resolutions I wanted. All that is left is an apology in a letter that is not computer generated and that is hand signed and snail mailed to me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   INCDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXXXXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above

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 2017-07-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
During my closing on XX/XX/XXXX, Carrington Mortgage increased my closing amount from {$4100.00} to {$7400.00}. I signed a closing disclosure onXX/XX/XXXX outlining the terms of closing with me agreeing upon the smaller amount. While at the title company XXXX XXXX XXXX XXXX at their XXXX XXXX Location ( XXXX XXXX was the settlement agent ), we were waiting on the bank to send over the same final loan disclosure. To everyone 's surprise, the price has risen to a whopping {$7400.00}. This was significantly over the 3.5 % needed for an FHA and was clearly closer to the 10 % needed on a conventional loan. Essentially, I had a weekend to come up with the money or I would lose my ability to get the property and all of my money. My mortgage broker XXXX XXXX said he did n't know what was going on but that have the ability to change the final amount on the loan disclosure. <P/>On Page three of the document title " XXXX XXXX XXXX Property Title '', you will find attached the final closing disclosure that was sent to the title company on XX/XX/XXXX. On the document titled XXXX XXXX XXXX XXXX, which is the loan disclosure I signed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are accounts listed on my credit file that are fraudulent ... .see list below : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX # XXXX {$550.00} Inquiries : XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX   XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} CAPITAL ONE AUTO FINANCE # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$1800.00} U S DEPT OF ED/XXXX/XXXX  # XXXX {$3200.00} XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$250.00} XXXX XXXX XXXX   # XXXX {$550.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$6400.00} XXXX XXXX XXXX XXXX  # XXXX {$1200.00} XXXX/XXXX XXXX XXXX # XXXX {$1700.00} XXXX/XXXX XXXX XXXX # XXXX {$3000.00} U S DEPT OF ED/XXXX # XXXX {$1800.00} U S DEPT OF EDXXXX # XXXX {$3200.00} XXXX # XXXX {$460.00} XXXX XXXX DBA XXXX  # XXXX {$810.00} XXXX XXXX XXXX # XXXX-XXXXXXXXXXXX {$250.00} XXXX XXXX  # XXXX {$550.00} Inquiries : XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: TX
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:
Potentially Negative show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX  XXXX XXXX # XXXXDispute XXXX XXXX filed ftc on all above

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received a letter in the mail because our loan was sold for the 2nd time ( 3 mortgage lenders so far ) 13 days before payment is due. We are only into our 4th month of being homeowners. 

But I have yet to receive info on how to pay my mortgage payment via this nee company and I can not access my account threw them because it doesn't exist yet. 

Old mortgage lender was Rushmore new is XXXX. 

New lender starts XX/XX/2019, today is XX/XX/XXXX. 

Still no information on the lender or how to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: EQUIFAX, 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:
I contacted Equifax in XXXX of XXXX and XXXX of XXXX regarding the reporting of late payment on my FED Loan account. Equifax is reporting as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 120 day late, XX/XX/XXXX as 120 day late and XX/XX/XXXX as 120 day late. It is not possible to go from paying on time one month and then the next month being 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: CITIBANK, N.A.
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:
Today, XX/XX/, I received an email indicating that my credit limit has been decreased. I was provided no advanced notice nor a reason for this decision. I have never missed a payment on this card or any other account over the past 5 years. I attempted to contact Citi, and two separate representatives told me that they could not provide the information and that Id be receiving it in writing. Theyve advised me to speak with the credit bureau, XXXX in this case, to determine if theres any incorrect information and then turn around and request a reinstatement of credit limit. This severely can impact my credit score because Ive gone from 50 % utilization to near 100 % on this card due to the reduction. I am furious. Clearly you can pay your bills and still be penalized.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX  XXXX  ( Original Creditor : XXXX 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 2019-06-19
Company: Experian Information Solutions Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX XXXX  ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

This includes ; XXXX XXXX XXXX XXXX Credit Card : {$4500.00}. 
XXXX XXXX XXXX XXXX : Checking/Savings/Lineofcredit. 
XXXX XXXX XXXX  Credit Card {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with NYS law, I am hereby notifying you of my intent to bring a lawsuit against you for violating FDCPA Violation and FCRA violations. My grievances are thus. I will be pursuing settlement through the court system. 

Over the past months, since I have notified your company of my grievance and requested an investigation. I have received no compensation or acknowledgment of my request. 

If you wish to settle this claim with me or my attorney, XXXX XXXX, I am open to discussion outside of the courts. Please contact me at mailing address. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I received a call from Navient stating I had a past due amount of {$200.00} and I could set up an auto pay that would bring the loan current and cover my XXXX payment making my next payment at the end of XXXX. I made the payment the next week and thought I set up auto pay and would be fine. Today, XX/XX/2018 I receive another call from Navient saying I am {$400.00} past due and asking for a payment. I explain the situation to the gentleman that called and he immediately starts telling me I have no idea what I'm talking about and he does, I am wrong and he is right. He was very combative with no provocation. I again tried to explain the situation to no avail and asked for a manager. The lady I spoke with was very nice and explained that the payment was incorrectly applied and I was not entered into the auto pay program and that I still owed {$200.00} at minimum. She said that it was my fault my payment was not correctly processed and that I would have to try to set it up again. I have done everything I can to take care of this loan and Navient makes it harder and harder every time I speak to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: FL
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 the late payments on XXXX XXXX XXXX for months. Credit Bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions 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:
Experian is still reporting fraudulent information on my Credit Report after I submitted them information pertaining to the XXXX XXXX & XXXX FDCPA as well as a certified copy of my UCC-11 filing with the Secretary of State. Ive attached a copy for your records.

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