BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company sent me a notice with no supporting documents to verify the debt. In addition, the address the letter was sent from is not the company address, indicating that they are using a third-party mailing service. They clearly invaded my privacy. FDCPA prohibits a debt collector from communicating with a third party in connection with the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, 2014 my husband, XXXX left a dentist extremely dissatisfied. He immediately contacted American Express to stop payment of {$7500.00} and to initiate a dispute. On XXXX XXXX, 2014 my husband unexpectedly passed away. In uttergrief I contacted American Express on XXXX XXXX to get our miles to fly our family to the services and told them of his passing. On XXXX XXXX the {$7500.00} appeared on my acct. At no time and in no way at all did American Express tell me that there was an active dispute on my husband 's acct. If they had I would have immediately turned the matter over to my husband 's estate attorney. I have provided documentation of the charge, a letter dated XXXX XXXX, 2014 from my husband to Am Ex, a letter of AmEx 's terms and a letter from the XXXX involved showing the date of XXXX/XXXX/2014 the day he was faxing a response to American Express. I have been trying to deal on my own with this. Every time a rep says a supervisor will look into it and call back. They never do. I can not tell you how distressing this has been. We have been AmEx customers for XXXX years. I was told if I wanted a copy of the recorded conversation from XXXX XXXX, 2014 that it must be by subpoena only. I never agreed to accept this responsibility. American Express failed to disclose the active dispute which should have gone to the estate attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Lending Solutions Mortgage/ LSI Mortgage
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.

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 2021-08-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told by my visa card company that it is another scam attempt to get more personal information from me. They told me to contact you to block my phone numbers. it was a fraudulant attempt to say I made a purchase of {$140.00} from amazon .com The phone number they used was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Credit determination

Complaint:
I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. 
After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MN
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 received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

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 2015-06-24
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage was paid off several years ago, Originated with GMAC and transferred/sold to Ocwen, all XXXX # 's from GMAC are answered by Ocwen and they can not find the mortgage based on the GMAC loan number or the FHA Loan number. This property is being probated, I am the court appointed administrator of the estate trying to clear the estate. GMAC/Ocwen is in violation of Arizona Revised Statutes requiring a release to be recorded within 30 days of its satisfaction. I am asking for your assistance to get some where with Ocwen, their reputation supercedes their name is lousy servicing and this is another example of Ocwen 's blatant disregard to consumer rights and Arizona State Law/Statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

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 2017-02-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. 
I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. 
Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted XXXX XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX  ( inquiry XX/XX/XXXX ), and XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2022-03-15
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First, I bought this house from a hard money lender and after I finished all the repairs I did the refinance with the same lender, into a rental loan. However, this new loan company keeps harassing me about insurance. When I did the refinance the mortgage broker found the insurance company for me and everything was fine but since this new servicer got assigned they have been harrasing me. I sent them the insurance that I had paid for initially. I sent them the master policy for the community and let them know that I'm only responsible for the inside of the unit. EVerything outside is covered by the condo association. But, they keep harassing me with mail every month, they even add more insurance to my account. I think this is unfair and I don't know what to do, to get them to stop harassing me, I don't understand why they are forcing me to get more insurance than I need. I feel like this company is a scam. It has been a problem since I started my service with them and now I'm locked into a five-year loan where if I pay it off before the five years I have to pay them a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Balance transferred ( via mai l ) f rom  XXXX  Bank to Citibank on  XXXX / XXXX / 17  remaining principal of {$9200.00} prior to 0 % interest offer expiring on  XXXX / XXXX / 17  (  1st a ttachment ). Citibank did not post the balance transfer ( see Complaint  XXXX  ). Paid minimum payment of {$130.00} to  Citibank for billing cycle that balance transfer was to pay-off. Reissued balance transferred ( via mail ) from  XXXX  Bank to Citibank o n  XXXX / XXXX /   17  remaining principal of {$9100.00}  ( 2nd att achment ). The second at tempt Citibank did post the balance transfer, thus fulfilling the remaining principal. Called Citibank to have them close my account and reverse the late fee ( s ) and interest, but as the last two attached statements show, they did not do the reversals. The account has now been closed, but the statements still   show late fee ( s ) and interest.

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 monetary relief
Consumer complaint received 2015-10-27
Company: AES/PHEAA
State: WI
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AES sold a single student loan debt to XXXX collection agencies. All XXXX are trying to collect the same debt and reporting late payments. They do not communicate and the originator will not work with me. I was denied credit based on negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX Bank had a representative from the XXXX DEPARTMENT contact me. She called from the number, ( XXXX ) XXXX. She asked me to verify my identity, I gave her the last 4 of my social and address I have lived at for the past 20 years. She responded by saying, that is not the address I have for these accounts. I then told her she probably has the fraudulent address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. She stated, correct. I explained that she had a fraudulent address that was outlined in my police report and FTC report. She then told me that the XXXX XXXX address was mine and a valid HOME address. I told the lady she was incorrect. I said I had gone to the actual address to see what it was and it was a store called The Mail 's Inn, filled with nothing but po box es. She told me that was incorrect and the XXXX Bank accounts with my name were valid. I then explained to the woman from XXXX Bank 's XXXX DEPARTMENT that it was impossible for me to have opened and used said XXXX Bank accounts, as my personal information had been compromised for over XXXX years and there were several accounts and loans opened in my name that were fraudulent. I asked her to produce information that shows ME, the person working in the XXXX, as the same person in the XXXX using these accounts. She could not provide any proof. She then said she didn't know I worked in Entertainment in the XXXX. I asked her to not contact me again and to remove my name from these XXXX Bank accounts because of identity theft and fraud. It escalated into a screaming match where I hung up the phone. I ask for your help to have XXXX Bank remove my name from these fraudulent accounts and NEVER contact me or make idle threats towards me again.

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 2022-07-10
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a charge back from XXXX XXXX XXXX XXXX did the refund on XX/XX/2022 for an original charge on the XXXX of XXXX. I got worried after a while since the credit was not showing up on my account. I did some research and contacted XXXX XXXX 's legal department and they sent me the paperwork that they had in fact done the credit for and told me to call the Navy Federal credit union. I called Navy Federal and they did not have the credit. While I was walking to the gym, I came up with the idea that maybe the credit was put on the old card and it was not transferred to the new card so I called Navy Federal and asked them to do research and my hunch was correct. I was so XXXX off that I wanted to talk to a supervisor. The supervisor told me they were aware of the mistake on my account but the exact mistake was just caught by me first. Really? If you knew of the mistake, why set on it for 3 weeks. If you knew of a mistake, as a bank why not do more research and get it corrected before the customer had to spend a lot of time correcting it. The supervisor lied to me. Navy Federal and the supervisor had no clue of the mistake. They simply lied to lessen the severity of the mistake that the bank did. Why not just say that a mistake had occurred and it would be corrected as soon as possible and they would look into how it will not happen in the future. All calls were legally recorded by XXXX XXXX so there would be no more lies on Navy Federal 's point.

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