BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX University XXXX through XXXX XXXX in XXXX XXXX Ca in XX/XX/XXXX-XX/XX/XXXX. I started out going for my XXXX degree and was told that I would be able to do that with no problems. I asked many questions during my interview just to find out that I was lied too throughout the whole conversation. First off I was told that If I did not take the stipend check then the money would be returned and I would not have to pay it back, Wrong. I have to still pay it back. I was told that after I graduated I would receive assistance in finding a job, wrong. In XXXX XXXX my son was hit by a truck, he spent 3 1/2 weeks in XXXX, 6 weeks in XXXX and another 6 months in a XXXX, I was there every minute with him but I STILL DID MY WORK. I never left my classes or anything, but the school said that I dropped out for that semester and charged me over & XXXX that I had to repay. I never dropped out I still did my work and everything. I feel that they took advantage of me. I did let them know what was going on in my life at that time, so if I missed any class then they would know why. After 2 years of schooling I get a phone call that tells me, " You do not have enough points to continue with a XXXX degree, I guess you get XXXX % and I am at XXXX % so I would have to start paying everything out of pocket. '' Well I am a single mom of XXXX so there was no way I could do that. I asked if I could drop it down to an XXXX Degree and finish, they said yes. So I finished that semester and graduated in XXXX XXXX. I had my heart set on a XXXX degree not an XXXX. The big kicker is they did n't change the payment. I am repaying on a XXXX degree loan and only received an XXXX. Now where is that right? I feel that they misled me and took advantage of my situation. Even after I graduated they did n't help me find a job or anything. My question is, WHY? 
Can I get any help with this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: WV
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 XXXX XXXX am verifying my identity. That what you receive is from me. My ID is enough to verify me in every response I give you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-19
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Consumer Finance, Please note that I have also submitted this complaint to the Federal Reserve complaint line. XX/XX/XXXX, I walked into a Citibank branch in XXXX to close all my accounts ( savings, checking, and Checking Plus ). I settled all my charges and at no time did the teller inform me that with Checking Plus, no automated transactions should go through within the 48 hours. XX/XX/XXXX, I received correspondence from Citibank stating that I had charges through automated debits from XXXX. I was quite surprised since I was not informed of the rules, however, I paid for the amount owed ( $ XXXX+ ) and ask them again to close my account. Citibank 's customer service told me that it would take 48 hours once again and that no charges should go through. I agreed. By XX/XX/XXXX, I received another correspondence saying that I owe $ XXXX+ through XXXX and once again I settled, but, I ask them Citibank from the time I settled XX/XX/XXXX and to XX/XX/XXXX ( more than 48 hours ) there were no charges that went through so my account should have been closed. They promised me at that time, that all is settled and the account would be closed. Now this XXXX Citibank contacted me again to say that I have charges. Needless to say, I am quite upset! I am certain that the money I paid went towards bank charges for which I am NOT responsible for since the account should have been closed properly XX/XX/XXXX, again XX/XX/XXXX, then XX/XX/XXXX. I feel that I have been defrauded or the inability to close an account properly lies with the incompetence of Citibank. The collection manager I spoke to XX/XX/XXXX and again XX/XX/XXXX, accused me of 1 ) not really wanting to close the account ; 2 ) that he has no record of it. I was in tears over this and am still upset. Everytime, Citibank contacted me, I duly called them and settled my charges and ask them if the account is closed. They also went against their own rule by not closing the account during the period of XX/XX/XXXX - XX/XX/XXXX ( more than 48 hours and no charges went through ). This should have been a simple matter of closing one 's account. The misinformation, misdirection, and mishandling of closing a Checking Plus account is outrageous. Once again, I will not pay for any bank charges because of their mistake and I also feel that I have paid for all the charges that was automatically debited from Checking Plus. I have been forthright in paying all the past charges, and it has been more than 1 year since I 've tried to close the account. I have spent more than 18 hours talking with Citibank and I have had enough! Please help!!!!! Sincerely yours, 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 monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : 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 non-monetary relief
Consumer complaint received 2022-06-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Select Portfolio Servicing , Inc. ( SPS ) has contacted a XXXX party Realtor about selling my home. I attach my Declaration and ask that you investigate FDCPA violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: LA
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 am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended XXXX XXXX in XXXX, Ca and had private student loans through Genesis Lending Services ( that have now been taken over by XXXX ). I want to verify if my loans should have been a part of the settlement made in XXXX 2015.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Since XX/XX/XXXX, I have been trying to solve credit fraudulent charges on my wells Fargo credit card, in the amount of over {$4000.00}, in which I did not make, nor authorized anyone to do so. Nor did I ever told anyone at wells Fargo the CV Code on the back of the e card, because, I did not have the card in my possession. I have spoken to every one there from the executive office to the fraud dept., claims dept., and so on, yet the only credit back about {$900.00}, not the entire about of fraudulent charges of over {$4000.00}, as requested on XX/XX/XXXX, claimer taker by the name of " XXXX '', who later on, I found out through the claims dept.-Supervisor, who told me, that she did not a lot of the items. However, she was to send me a new affidavit with what she added on to the form, if any other charges are listed for me to list them all, and send it back to them, in which I did in XX/XX/XXXX, along with the Police Report, Ft reports, and letters from me. Yet, each time, I call, I tossed around on the phone to different department, with different stories to tell me about my claim. It seem like no body at wells Fargo is Incompetent enough to handle this case, especially when they have some one calling me from the department in which does not handle fraud issues. As far as I am concerned, I have come to believe all that the media has to say and make consumer aware about wells Fargo fraud business dealing s with their customers. However, I am refuse to be another one of their statics. I REFUSE TO BE PENALIZED FOR FRUALENT CHARGES, IN WHICH WAAS NOT MADE BY ME, UNDER ANY CIRCUMSTANCES, ESPECAILLY WHEN I HAVE BEEN IN AND OUT OF HOSPITAL DUE TO XXXX FROM XX/XX/XXXX TO 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 2022-10-11
Company: Experian Information Solutions Inc.
State: TN
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 found out that my identity has been stolen and it has effected my credit and me getting a home. I have supporting documents to get the items removed from my credit.

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 2021-01-05
Company: Southwest Credit Systems, L.P.
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On X/X/17 I received an email stating that I would need to make a payment on my student loan before or on X/XX/2017. I was not given an prior notice that repayment would start so soon. On X/X/2017 I spoke to a representative at Navient who told me the reason that I had not received any communications regarding repayment was due to my being in grace for XXXX student loans. She then told me that I may apply for forbearance for the month of XXXX. I believe it is inappropriate and most likely illegal to ask someone you have a contract with for payment only 11 business days in advance. I should have had to get forbearance - my repayment due date should have been adjusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
my school closed I was told if a school closes all debt is null and void yet i get letter after letter asking for repayment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated 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 explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My wife and I have a Macy 's credit card. Today I received, in the mail, a notice that they had automatically enrolled us in credit protection program and would charge for this monthly based upon the outstanding balance. I called them and cancelled as I did not want nor ask for this. The reason I am writing is to complain about Macy 's in the context that it should have been an " opt in '' program not something that they could process to customers in an underhanded way and hope that people missed the notice and they could bill them. It was just lucky I read the notice and could just as easily missed it.

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 2022-06-04
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft. XXXX XXXX  XXXX XXXX has fraudulent accounts on my credit profile that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: AL
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:
Car dealership ran multiple unauthorized hard inquiries without me being there on the XXXX of XXXX and on the XXXX and 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 non-monetary relief