BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: SecurityNational Mortgage Company
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We bought a home in 2014. We have never misse a payment. XXXX XXXX XXXX sold our loan to another lender and is now saying we missed a payment in 2014 and have dinged us since. This was part of the loan sold and they are attempting to collect twice what they say is owed. They were never missed inthe first place.

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 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XX/XX/XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXXF XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION YOU ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2018-03-19
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes. 

XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue. 

That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ). 

My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me. 

XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback. 

XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ). 

XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement. 

XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day. 

XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX. 

Based on previous commitments, expectations of resolution are low by the time the county takes next action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CITIBANK, N.A.
State: WA
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 XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN 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 2019-04-30
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Collection Agency Caine and weiner are collecting a Debt that I do not owe, states that they are collecting in behalf of XXXX XXXX XXXX. I have disputed this debt several times and sent letters requesting debt validation from the company two times on XX/XX/2019 and XX/XX/2019. That have yet to furnish a signed contract or proof. I have also contacted XXXX XXXX XXXX on XX/XX/2019 requesting information and they dont have in there system. I recently reached out to Caine and Weiner today and spoke with a representative who could not validate the debt either and I was transferred to her supervisor XXXX XXXX who was no help and said he could not do anything or remove this debt. I had to contact XXXX which I already have. Caine and and Weiner do not have a signed contract between myself and them obligating me to pay this and need to remove this from all of my credit reports immediately. Company falsely reported to credit reporting company that account was disputed. Never received communication from this company a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Asset Recovery Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am XXXX XXXX and XXXX. I was sent a letter from the medical company for a bill that was from XX/XX/XXXX. I responded with a letter ( XX/XX/XXXX or XX/XX/XXXX ) stating that I believed I had already Pais this debt, asking for proof. I heard nothing back from he medical facility. 

I received a letter in XX/XX/XXXX from a debt recovery firm claiming that I owed this debt. I called them and spoke to a young woman who was very accommodating I explained that I thought the debt was paid and panicked because I just moved and my files are not yet organized. I was sure I paid this debt and was concerned about it going onto my credit report. She said not to worry, she would request the appropriate proof from he medical facility and then get back to me. I reiterated that I was concerned about them placing it into my credit file and she reassured me that they would not do this because I was communicating. She was going to get back to me regarding the medical facilities invoicing. 

I received an alert on my credit report XX/XX/XXXX that they had reported this debt without any communication as I was promised. I received a letter from them the day after this was reported with no documentation of the charges, payments, etc just stating that I owed them this amount $ {$470.00}.

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 2021-04-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay Staples  with a Citibank N.A. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a Citibank credit card or had an account with Staples. 

XXXX XXXX XXXX wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.

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 2019-04-30
Company: Certegy Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The agency reported that check XXXX which I made payable to XXXX was not paid the date the agency answered original complaint however enclosed I have document that check pas paid XX/XX/24 the rate check was resubmitted to my bank requested Certegy correct there reporting immediately

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 2017-11-27
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Navient, the manager of the my Federal Student Loans, has no right to collect on my student loan balance because the majority of the debt was incurred by my attendance at the University XXXX XXXX ( XXXX ) ; a now defunct For-Profit educational institution. For example, XXXX XXXX XXXX, the former president of the XXXX XXXX XXXX, purposely solicited unqualified students to attend the university campus in order to get more Title 4 Funding from which he could personally profit ( I was one of those students ). XXXX XXXX is well-known for achieving the de-certification ( XXXX ) of XXXX XXXX College before joining the staff of XXXX 's XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). Furthermore, the alleged " fake degrees '' that they purported had no value in the contemporary United States Job Market ( I have never received employment related to my degree from XXXX ( i.e. XXXX : no XXXX positions at all ). Also, XXXX XXXX hired his sister to manage the accounting of the campus so that the numbers were " solvent '' enough to report to the main campus in XXXX, AZ ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Furthermore, XXXX XXXX 's cronies, like XXXX XXXX and XXXX XXXX XXXX, " enforced '' XXXX XXXX 's policies so that there was no regression or ability for staff or students to address any internal financial or policy issues with the campus. 

To wit, I am claiming the Borrower Defense Against Repayment '' Statute embedded in Federal Law as the basis for my release from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I made an international wire on XX/XX/XXXX in the amount of {$8500.00} from a PNC Bank branch in XXXX, XXXX On XX/XX/XXXX, a charge for {$120.00} appeared on my account without explanation. Upon further inquiry, I was told that the charge was for the above stated wire. This fee was never disclosed to me during the transaction, nor is it listed on the actual wire confirmation form, signed by me. The agent at the bank indicated that all their bank fees are listed on regular bank statements. I find this dishonest and predatory behavior. 
It is wholly reasonable for me to expect that associated fees would be disclosed to me at the time of making the transaction, either verbally and/or in writing on the wire receipt, neither of which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Nelnet, 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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
2. Identity Theft XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
ACCOUNTS LISTED ON MY CONSUMER REPORT FILE THAT I NEVER OPENED OR USED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
Made a purchase from Amazon XXXX XX/XX/18 for $ XXXX..Chase Bank..Fax # XXXX.Product arrived missing a part and tried to work with amazon just for the part ... after days of written correspondence with amazon staff that could hardly speak English.. ( I have Copys of Everything ) it was determined I Had to return the whole Product ... Which I did and Amazon confirmed..Amazon said it would have to conduct an investigation . after delay after delay, I called Chase and the Staff recommended I file a Dispute Immediately..Which I did. Soon after Amazon confirmed receipt of the return and issued a refund.My Chase account Balance returned to {$0.00}. Reflected in 2 statements.A month or 2 went buy and I got a Statement with A balance of {$160.00}. When I called Chase ... They said Amazon Had re posted the {$140.00} now {$160.00} charge noting they had not received the return ... This was Amazons ONLY argument.I let Chase Know I had my XXXX Tracking Data an Confirmation and receipt dated XX/XX/18 which I promptly faxed to Chase and they confirmed Receipt. After being passed around for Days by Chase..I get a letter saying they Had Sided with Amazon. After more wasted Phone calls to Chase..So after almost half a YEAR ... .Here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried cancelling a " membership '' with Experian that has been charging me {$21.00} a month since I filed a complaint with cfpb on XX/XX/2018. I have called and cancelled multiple times. I have attempted to talk to a representative but am always turned away. I have reported the membership to my credit card company as a fraudulent one since they will not let me cancel.

I have tried to cancel upwards of 50 times. They provide no help and no easy way to cancel online. Every time I call they say " are you sure you would like to cancel your " free '' membership '' to which I say yes. However, nothing about my membership is free because they continue to charge 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 explanation
Consumer complaint received 2021-09-14
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: Personal information incorrect

Complaint:
I have notified XXXX and Equifax that they have incorrect personal information on my reports. I have notified them on XX/XX/2021 XX/XX/2021. Both credit bureaus have fail to update my personal information. I am highly concerned that this may expose me to identity theft. 

I have provide copies of my DL and utility bill that shows my correct address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: BB&T CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BB & T is the loan servicer on my delinquent FHA mortgage loan. Although I engaged their loss mitigation department seeking assistance, I dont feel that they have a vested interest in ensuring that my loan is put through a review for retention options. Instead, they have scheduled a sale date on my property for XX/XX/2019. I believe that there are certain servicing guidelines that they must follow when servicing FHA loans. They have never offered me a forbearance, loan modification or other retention option to save my home. I went through some rough times financially, but am getting back on my feet. My ex-husband is not paying his child support payments nor alimony. I have XXXX kids, work full time as a XXXX and am doing the best I can. I need BB & T to work with me so that I can keep my home. With the responsibilities that I have, I can not find another place to live or be thrown out onto the streets. I am hoping that you could look into what they are doing with my loan and why they have failed to offer any sort of mortgage retention option that would allow me to save my home. I made a phone call to them late last year and they said that I can send them in an application, but the process was very daunting. I feel that they just slapped a sale date on my home without really trying to help me. I am sending then a full package for review for mortgage assistance and am hoping that you could contact them to ensure they follow proper protocol when it comes to requests for mortgage services.

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