BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX  XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and Experian, plus XXXX, disputing the the discharged debt. Experian dispute came back as the debt will remain, XXXX  continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor 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 2021-08-19
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: Account information incorrect

Complaint:
My bankruptcy was filed and discharged in XXXX. A debt that was included in said bankruptcy, ( XXXX  XXXX ) sold that debt to a debt collection company after the debt was discharged in bankruptcy to a company called XXXX XXXXXXXX XXXX XXXX. They did this in XXXX of XXXX. After my successful discharge of said debt. This is against the law. You have been given this information multiple times. I have provided this evidence a multitude of times via Experian disputes. Do you comprehend? Do you understand? 

Therefore, a collection account is on my credit report. It shouldn't be. It involves a debt discharged in bankruptcy with the original creditor XXXX XXXX XXXX XXXX But a debt collection company XXXX XXXX XXXX XXXX bought that discharged debt and reported it on my credit report. This is against the law. Please remove the invalid and illegal reporting.

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 2019-01-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: MD
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:
Conserve has indicated they are in compliance with the Fair Credit and Reporting Act, when they are actually out of compliance. Upon receipt of the debt notification from Conserve, a debt validation and dispute request was submitted on XX/XX/2018. Conserve failed to respond to the certified mail request ( USPS tracking number # XXXX  ) within the 30 day response time mandated by the Fair Credit and Reporting Act. Due, to lack of response mandated by the FCRA, Conserve is not reporting accurate information as mandated in their letter. Therefore, Conserve 's solution to simply report this account as paid, is in fact a violation of the law. If Conserve continues to remain out of compliance, for reporting inaccurate information on my credit report, I will pursue further legal action. I am hoping to have this resolved and deleted from my credit report within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2017 account # XXXX and # XXXX was opened at Suntrust address associated with account was XXXX XXXX XXXX XXXX FL XXXX XXXX I have never stay at this address and didnt give anyone permission to use my social security number

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 2019-01-24
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit report today to find a negative credit on there in the amount of XXXX issued by recovery one debt collector. The following address is what is on my credit report. XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX. After calling the company to find out it was in debt to a XXXX XXXX XXXX, I asked how the debt was issued on my credit report since it belonged to a corporation that I worked for. 

I was then tranfered to a XXXX who i'm assuming is a manager, when I asked him about it, how it got on my credit report and also if he was showing a personal guarantee, he told me he could not share any paper work with me and that i would have to contact the company. I told him that they issued this against my credit report and I would like an answer if he had the paperwork to prove that I personally owed the money. I was then hung up on. 

Not sure how I am suppose to handle this when fraudulent activities are put against my credit report and the company holding the debt can not provide paperwork. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: LEXISNEXIS
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 submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: NAVY FEDERAL CREDIT UNION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Navy Federal Credit Union offered a zero percent interest on balance transfer to my credit card. They hid the promo rate expiration in a separate box on my credit card statement, creating two " interest charge calculation '' boxes. The important box was on the last page of the statement after all the fine print. While the main page showed my balance would be treated as 0 %. They then told me when I asked about the extremely deceptive interest charge calculation, that the 0 % does not work like other balances and would be given 0 " grace period ''. So basically they hide the needed information, I paid the balance in full before the next statement, but they still charged interest on the amount even though the prior statement showed 0 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent the following information to Equifax. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. I received a notice from my credit monitoring that Equifax removed the accounts but then they were reinserted back on to the report which should NOT have occured. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like this request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts reported by US DEPARTMENT OF EDUCATION account numbers of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into two new accounts reported as DEPARTMENT OF EDUCATION/XXXX/ account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX XXXX, a Mr. XXXX XXXX received {$1400.00} from my checking account, despite my knowledge or consent. Before that, someone locked my debit card at XXXX. I called BoA within a couple minutes of waking up at XXXX to resolve the transaction. I was forwarded several times and finally told a case was opened, a new checkings account would be set up, my online id and password would be changed, my checkings account will have XXXX withdrawn from it, and to wait 10 business days for the results of the case. Even after the entire time I spent with BoA, the transaction was still " processing ''. I went to visit the bank in person to talk about what happened the day after, because my parents had money from their account taken as well, and were able to get it back within that day. I got the case back on XX/XX/XXXX, XXXX XXXX  and was not refunded my money because I had apparently authorized it. I tried to reopen my case and went to the local BoA again on XX/XX/XXXX, and the representative let me call the Fraud services while in his presence. He recommended I ask if opening a police case would work and nothing was resolved apart from BoA saying I could do that and they'll have to send me the paperwork for the report and fax it to them. I never got the paperwork in email or physically. I left the physical bank and called BoA later in the day and set up a 3-way call with my mom and the BoA representative. My mom and the representative discussed my case and they concluded that they will reevaluate the case and respond back by the end of 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 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX   XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, Transunion, and XXXX, plus XXXX, disputing the the discharged debt. XXXX  dispute came back as the debt will remain, Transunion continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor 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 2021-03-10
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
AmeriSave, even with its commitment to be an Equal Housing Opportunity lender, requires applicants for mortgage to have a mobile phone number. It will not provide service to consumers who do not have a mobile phone number or have a mobile phone service that is not from one of the Vendors that AmeriSave has a relationship with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I called XX/XX/20 at XXXX talked to Agent XXXX ID XXXX XXXX to cancel my Citi Premier card ending XXXX. I was offered a full refund of my membership fee after I paid the fee. I chat with Citi on line agent ( XX/XX/20 ) and assured me that the refund be deposited into my credit card account before the billing cycle ending XX/XX/2020. 
I just found out today ( XX/XX/20 ), the refund will not be honored and I will not receive it. 

Citi bank need to honor the offer promised by their agents, I am seeking the full refund of 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 2020-02-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a TD checking account in XX/XX/2019 because of a promotion they were running for a TD Beyond Checking stating only two direct deposits above {$2500.00} total were needed to qualify for a {$300.00} introductory bonus. After fulfilling the requirements well over the amounts and direct deposits required I waited 3 months and did not receive anything. I began to message them on their secured message server and separately confirming the promotion via their customer service representatives on the phone. Every time I called the representative assured me I would be receiving the bonus in the next week, and that I should call again in 7-10 days. After repeating this process 6-8 times and receiving different answers to why I havent received the offer a representative and manager told me they could no longer find the promotion running during the period that I opened the account ( which was the entire  reason I chose this bank other than ATM fee reimbursement ) Today I have emptied the account and I am submitting this claim to see if there is any hope in keeping the relationship with the bank. Hopefully someone at the CFPB can help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXXXXXX XXXX XXXX is a fraudulent credit card account that was opening in my name back on XX/XX/XXXX of XXXX. This card was one of 5 that were opened in my name. I immediately went to the police station and got a police report and sent it to the credit card companies explaining that it was removed. All of the companies removed the information except XXXX. They made outlandish requests asking me to get additional police reports, and I did. For the past 5 years I have been continuously submitted disputes for the information, getting it denied, and then reopening. I have provided police reports, letters, and more. Finally in XXXX of XXXX I get the information removed from my credit report and my score goes up. The very next month it is added back. I then receive a letter saying XXXX has provided information proving that the account belongs to me. I contacted both equifax ans XXXX to see what information was provided but no one could give me an answer. I also brought up the fact that they are supposed to give me 5 days notice before reinserting anything back onto my credit report, and that wasnt done. Now they want me to get a 3rd police report asking them to not add it back, this is ridiculous. I feel like theyre running a scam and in no way see that Ive done my due diligence to get this removed. All my other accounts are in good standing. I want to buy a house, but nothing can be done with this false information reinserted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
To Whom It May Concern, I rec 'd today a updtated credit report form Equifax dated XXXX XXXX XXXX. 

I have been going back and fouth with Equifax since XX/XX/XXXX and my nothing gets fixed. 

I provided them a copy of the excutive order from the internet regarding NEW YORK STATE MANADATE EXCUTIVE ORDER BY MY GOVERNER and still they put late payment on my credit report. 

I tell them I was on a forbearance due to covid 19 form XX/XX/XXXX - XX/XX/XXXX and still nothing changes on my cerdit report. 

I think, what fair, is for the credit agency blank out that period in time in the colume called SCHEDULE PAYMENT AMOUNT, just like they did for XX/XX/XXXX and XXXX XXXX.Why? because I was effective by the natual disaster covid 19 and I was on a forbearance. 
also, my mortage amount changes every XXXX and for XX/XX/XXXX my payment amount was {$810.00} not $ XXXX.Here 's another examplle on how, XXXX XXXX XXXX  continues to provide incorrect, information regarding borrowers to credit agency. 

Finally, On XX/XX/XXXX credit report there's a titled called ACCOUNT HISTORY WITH STATUS CODES : I would like XXXX to be blank too.Why? becasue it's reporting late payment during my forbearance period from XX/XX/XXXX - XXXX XXXX.Thye cam leve it blank or put a dash or XXXX. 

XXXX you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number has been stolen and is circulating on the deep web. I have reached out to this company and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
ON THE XXXX OF XX/XX/2021 USAA FEDERAL SAVINGS BANK LOCKED ALL MY BANK ACCOUNTS DUE PREVIOUS ACTIVITY WHICH WAS CONSIDERED FRAUD. THE BANK LOST NO MONEY AND MY ACCOUNTS FINED ACCORDINGLY. THEY INFORMED ME I COULD NO LONGER BANK WITH THEM. CURRENTLY THEY ARE WITHHOLDING {$4200.00} OF MY XXXX XXXX XXXX. THEY SAID THEY WILL NOT RELEASE ANY FOR 60 DAYS. THIS WITH HOLDING OF MY FUNDS IS NEGATIVLEY EFFECTED MY ABILITY TO PAY BILLS AND MEET MY FINANICIAL OBLIGATIONS. I HAVE REQUESTED THAT THEY TRANSFER ALL MY REMAINING FUNDS TO MY OTHER BANK. TO DATE THEY HAVE REFUSED ME ANY ACCESS TO MY FUNDS,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation