BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I utilized my credit card to make a purchase of {$870.00}. I then scheduled a payment to cover the cost of the item purchased to avoid interest charges being incurred. Upon reviewing my monthly statement I noticed my payment was applied to a balance transfer due to expire in XX/XX/2021. When reaching out to my creditor, Citibank, I was informed that although payments are applied to promotional balances due to expire, because the payment was already applied towards the balance transfer, they are unable to re allocate it. I am now expected to either repay for the item to avoid paying interest in the month of XXXX, or pay interest on an item which has already been paid for! The refusal by the creditor to rectify the error and subject the consumer to fees on an item already paid for is outright deceptive.

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 2022-10-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-04-11
Company: Experian Information Solutions Inc.
State: PA
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:
1. My husband leased/purchased a XXXX car in XXXX. It appeared with on my credit report. 
2. Car was returned on time in XXXX. 
3. I was billed for an outstanding balance erroneously. 
4. Now in XXXX ; the company has placed two negative notes against my credit report tow separate months. 
Experian site is down for disputes and I have not been able to get them to fix or investigate this claim. My credit score dropped more than 40 points. This is an error and this initial claim is 7 years or more old and should not be claimed against my credit. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was impacted with financial hardship by the COVID-19 pandemic. As a result, I had to resort to a debt management company to consolidate and pay off my credit card debt. During 2021, I clerked for a U.S. district judge but did so off university funding. Come Summer 2021, I lost my funding. With that, I called XXXX numerous times about deferring my debt until I started my private practice job in XX/XX/2021. XXXX would not defer payment but said that I still had a few months before the debt would charge off and go into collections. XXXX confirmed that once I made a payment, XXXX would not seek collections of my account. 

Well, instead, XXXX transferred one of my credit card debts ( approximately {$8000.00} ) to a law firm, Hunt & Henriques XXXX, because I received a letter saying so from this law firm. I attempted to contact the firm at the provided XXXX number but never received a response. My debt management company then began negotiating with the firm in order to work out a payment plan. 

During negotiations, Hunt & Henriques filed a predatory lawsuit against me in XXXX XXXX XXXX XXXX despite this open line of communications. I immediately contacted this firm and was finally put in touch with an actual lawyer after having to speak with an account representative. I spoke with XXXX XXXX, XXXX, who confirmed that they formally sued me to collect the debt. XXXX XXXX refused to confirm if XXXX was even aware of their decision to file suit. Keep in mind, the call line said it was being recorded and may thus be subpoenaed during a formal investigation. I had no other option but to sign a stipulation and settlement in order to dismiss the suit without prejudice. However, per the terms, if I miss any payment then Hunt & Henriques will refile their complaint. In addition, complaint this firm filed consists of a simple box check form without a proper affidavit executed by a XXXX representative with knowledge of the facts alleged. 

It took approximately one month from initial notice of my account transfer to Hunt & Henriques to the firm formally suing me in XXXX XXXX XXXX XXXX. I believe I am a victim of XXXXXXXX XXXX recent " lawsuit blitz '' against debtors suffering from financial hardship during the ongoing COVID-19 pandemic as reported by XXXX  ( XXXX XXXX XXXX ). Accordingly, I am compelled to seek redress against this financial institution for their victimization of myself and others similarly situated, who have been dragged unnecessarily into the judicial system because oXXXX XXXX XXXX greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: LA
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 have filed three credit disputes with Experian in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 17 hard inquiries, foreclosure ( XXXX XXXX XXXX XXXX XXXX  ), and addresses or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Experian responded to my last request. One of their response letters was dated XX/XX/2020. On page 2, Experian stated, " The information you disputed has been verified as accurate. '' This was their response to the foreclosure. These are clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts and addresses must have original documentation or proof on file bearing the consumer 's consent. In this case, Experian has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are purposely avoiding the verification process. These are clear violations of the FCRA. XXXX did the right thing and promptly deleted this same foreclosure that is in question on XX/XX/2020. I have attached their response letter as verification as I request that Experian do the same. 

I have all the dispute letters, certified mailing receipts and response letters from this company to support my claims.

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 2019-12-05
Company: Mortgage Research Center, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called in to seek help and al I was told was to pay the behind payments not given any other options what so ever

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 2023-01-11
Company: DHI Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage with DHI and received an initial Closing Disclosure XX/XX/XXXX. Our closing was moved to XX/XX/XXXX and we never received an updated Closing Disclosure. I reached out to the Loan Officer, XXXX XXXX, on XX/XX/XXXX asking for an update and a revised Closing Disclosure. She informed me I would receive XXXX on Monday XX/XX/XXXX. We never received any documents. On XX/XX/XXXX I asked XXXX again when we could expect an updated Closing Disclosure with no definitive answer. On XX/XX/XXXX, XXXX day prior to our closing, I reached out to XXXX asking for a Closing Disclosure for the third time. I informed her we did not feel comfortable moving forward with closing with only verbal closing amounts over the phone and that we would need to see a Closing Disclosure by the end of the day to move forward with closing the next day. A Closing Disclosure was never sent.

As circumstances had changed after the initial Closing Disclosure was sent, a revised Closing Disclosure should have been provided 3 days prior to closing. There was more than enough time between XX/XX/XXXX and XXXX to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: AES/PHEAA
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Ive tried calling fed loan servicing 4 times to update my payment and login information because my account is locked out and the company either does not answer or when I get ahold of the company they tell me they can not update my account, Ive also sent them my military identification card and drivers licenses to prove that it is actually me and I have a heard nothing. This is affecting my crediting tremendously and I need to get this problem solved immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed

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 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
They are negatively affected my credit score by false reporting. They dropped my credit limit without my knowledge and proceeded to process a payment late. I went into the store where they dont do cash bill pay and I went online they reported my account later. They are impacting and reporting my scores in an in fair, and derogatory manner!

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 2017-01-19
Company: Navient Solutions, LLC.
State: AL
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 original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading, confusing, & I feel taken advantage of. I have been pushed into forbearance for years as my only option not knowing that outlandish amounts of interest was accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was never late. My mortgage company sold my Acct to another company called shellpoint. This happened without my knowledge I sent payment to original company. When I received letter from shellpoint stating that my loan was transferred I immediately made payment to them ( payment was even higher than previous bank ) my payment was ever late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Persolve has not provided a detailed explanation on the validity of this debt in writing. When I have called to address the matter, i have been transferred to people who only want to set a payment arrangement instead of proving the source of this debt. Additionally, they tried to bring a case but it was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
These accounts were taken off of my XXXX I do not understand why they are still verified on my Transunion and my XXXX. They were taken off because they were unverifiable and inaccurate. Please remove these account 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 2023-01-11
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am oblivious to this balance on my credit report, it must be another person 's name or information merged with mine. I sent the collection agency a formal letter Ability Recovery Services LLC, XXXX XXXX XXXXXXXX XXXX, Pa XXXX on XX/XX/2022 in regard to this matter but have not received a response. I also call 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 2020-04-11
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
COMPLAINTANT has opened a bank account with " Suntrust '' on XXXX. Login and mobile access were operational until around XXXX when authentication tokens were generated as well as emails to remind linking external accounts were being sent. 
On XXXX at XXXX XXXX PST, Suntrust claimed that mobile access was suspended due to an " investigation '' that was started on XXXX. When COMPLAINTANT reminded Suntrust employee that access was working until XXXX and later on, the employee walked back on that statement and claimed XXXX was when investigation was started as well as stating that XXXX was actually the date when the accounts were created. Representative was not clear on ( 1 ) how or why this " investigation '' was started nor ( 2 ) how suspicious reasons were randomly  detected, after calls for a different matter on XXXX around XXXX XXXX PST addressed no such concerns. 
It seems that this " investigation '' was started not because COMPLAINTANT has triggered the system 's fraud alert on certain criteria on its own, but by some manual review or interventions by the employees. 
COMPLAINTANT noted that no email, text or mail notice were sent by Suntrust to notify the COMPLAINTANT of sudden suspension of online access for 9 days. But rather Suntrust was waiting for COMPLAINTANT to reach out to Suntrust after being unable to access the online account for 9 days. It is baffling as to whether there is a rigid set of procedures where Suntrust detects anomaly and sends notices. ( Or whether it would have ever notified COMPLAINTANT of this " investigation '' and " suspension '' until COMPLAINTANT reached out to regain access to mobile banking ).

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 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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:
In XXXX 2015, I signed up for Direct Deposit to lower my interest rate, they took money out of my account, put it back in, took it out and put it in again When I called them to find the issue, they stated I had insufficient funds. I did not. They then took out the next payment at the end of the month to accrue the most interest as a DEFAULT That is absolutely bad business practice, and I have since ended direct deposit and have paid more than the interest rate to down the principal, yet I am still paying way too much for the loans I took out over 10 years ago I have again requested to lower my interest rate, as ironically, the only bad payment I have is that XXXX XXXX ludicrous practice that disallowed a lower interest rate The amounts were ludicrous that they offered my 6.8 % going down to 6.55 %? XXXX to XXXX. Especially when they take it at the end of the month to maximize the interest? Makes more sense paying it bi weekly with more towards the principal Biggest scam ever I went to XXXX, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XXXX XX/XX/XXXX, my father, XXXX XXXX XXXX, died in XXXX, South Carolina. He had sole ownership of two certificates of deposit with Wells Fargo listing me as his sole payable on death ( POD ) beneficiary, Per Code of Virginia 6.2-614, any POD account may be paid. on request, to any original party to the account. Payment may be made to the POD upon presentation of to the financial institution showing that the POD payee survived all persons named as original payees. 

On XXXX. XX/XX/XXXX. I visited the Wells Fargo branch at XXXX XXXX XXXX XXXX. XXXX. Virginia XXXX. Consistent with the Code of Virginia. I presented a valid death certificate establishing the date of death. copies of the certificates of deposit listing me as the sole POD, and two valid forms of my personal identification. 

Wells Fargo denied my claim because the death certificate listed my Father 's date of birth as XXXX. XX/XX/XXXX instead of the correct date of birth XXXX XX/XX/XXXX. I stated that under the Virginia Code, I legally complied with then legal threshold to close the certificates by establishing that my father was legally deceased and that I was the rightful ; owner of the certificates as the POD beneficiary. 

Wells Fargo caused me consumer harm under the Consumer Financial Protection Act and the Code of Virginia 6.2-614 by unfairly denying my withdrawal request as the rightful owner of the funds I am asking Wells Fargo to comply with Virginia Law and address the consumer financial harm they have caused by sending the proceeds from the certificates to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation