BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2016-05-17
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 've been getting debt collection phone calls for a person named " XXXX XXXX '' for at least 6 months now. That is not me and I have no debt/credit issues. They keep changing their number and I keep blocking them. Today they gave me some info. They said they are from " Pioneer XXXX Recovery '' and their number is XXXX. They said to use the " Reference ID # 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 2022-04-13
Company: EQUIFAX, INC.
State: VA
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:
The credit bureaus never did a proper investigation according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They did not do this. 

In accordance with the Fair Credit Reporting everything must be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated, but how is that so when the bureaus nor the collection agency provided me with the necessary information I requested proofing to me that I owe the alleged debt. 

They have violated the law according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 602 A. Section 2. States that a consumer reporting agency can not furnish an account without my written instructions I have not given my written or verbal instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NC
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:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

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 2015-11-09
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to stop my foreclosure date XXXX XXXX 2015 because i think because i have file a previous complain they got mad and issue me with forclosure notice. they told me today that my circumstances having being change since i have apply and that is not true i started i have rented out XXXX room which is now bringing in XXXX. XXXX extra dollar per week.please help me to stop foreclosure so i can resummit my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt showed up on my credit report and i do not own this,, it is not my debts.please contact credit reporting company and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The first week in XX/XX/2021 I Changed my home owners insurance From XXXX XXXX to XXXX XXXX. I followed the link provided by my mortgage company and uploaded the declaration binder per their instructions. 

On XX/XX/2021 The mortgage company disbursed the payment to XXXX XXXX. 
My account at XXXX XXXX states paid in full. I could see the change on my account at the mortgage company so I believed everything was fine. 

On XX/XX/2021 I received an email from the mortgage company stating they had just made my insurance payment. Suspicious at this point I investigated and shocked to find that my mortgage company ( Specialized Loan Servicing ) Had disbursed another payment to the other insurance company, XXXX XXXX, which I already cancelled. 

This caused an escrow shortage of over {$2000.00} I have an email from the mortgage company admitting they made a mistake and telling me to return the money when I get it refunded from XXXX XXXX. 

It has been 15 days and XXXX XXXX claims they never received the payment. 
XXXX mutual has asked me to provide the check number showing proof that it cleared the bank. Specialized Loan Servicing has refused to give me this information when I requested it and started giving me the run around. Now they threaten to punish me for the mess they created by adjusting for the XXXX escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Bank of America to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

Sincerely, 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 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( of 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX {$53.00} XXXX  XXXX  XXXX {$390.00} XXXX XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX {$190000.00} XXXX  XXXX XXXX {$21000.00} DEPT OF EDUCATION/XXXX  XXXX {$3500.00} DEPT OF EDUCATION/XXXX XXXX {$3100.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX, Transunion and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told Transunion that in XXXX of XXXX my balance was {$350.00} ( See Transunion XXXX ). Then they told Transunion as of XX/XX/XXXX I had missed no Payments. ( See Transunion 1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told Transunion? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX  XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told Transunion as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, XXXX  and Transunion knows this information. I supplied XXXX XXXX and Transunion with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XX/XX/2021, I made a transaction for {$340.00} at the XXXX XXXX, processed through XXXX on my Chase Sapphire Reserve card. The services were not rendered and the merchant agreed to issue a refund in full, in writing. The merchant then stopped responding, so a dispute was opened by me with Chase. Chase issued me a credit. Then the merchant got back in touch after much delay, saying she would issue a refund, but couldn't do so without the dispute being cancelled. I called chase to verify and Chase advised that yes, the dispute needed to be cancelled. The dispute was cancelled and my account was rebilled. The merchant then struggled to issue a refund, after which I called chase back. My call was recording and a representative from the chase dispute department directly advised me that I needed to re-open the dispute, and to do so I would need to fax in my request in writing with evidence from the merchant. They told me a dispute reference number, the fax number and advised me to go to a branch to fax it in, which I did, timely. Then I got back in touch with Chase who said they couldn't re-open the dispute since 45 days had passed - however it was chase that advised me in error that I could re-open the dispute, causing the time period allegedly for re-dispute to lapse. Chase 's gross negliences and mis-training Chase 's policies are fraudulent, deceptive, unfair, and financially harmful to its customers. 

All of my calls were recording by Chase, so they can easily see that I was mis-advised and lied to. Furthermore, I was not advised of any 45 day redispute window when I called in on XX/XX/XXXX while still within that window, again in chase 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I accepted a zero-percent promotional credit card offer with Citibank in XXXX, XXXX. After making all my payments on time, I sent Citi payment in full of {$6500.00} on XX/XX/XXXX, to pay off that promotional balance in full ( otherwise that balance would be subject to interest charges beginning XX/XX/XXXX ). However, instead of paying off that promotional balance in full, they used a portion of it to pay off XXXX zero-percent flex-pay loans in the amount of {$550.00} I opened last month. I requested that Citi re-allocate my {$6500.00} payment to first pay off my XXXX, XXXX promotional balance in full, but they refused.

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 2021-07-29
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 asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2016-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )

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 2016-06-19
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
After the death of my father, I went with my mother to her local branch of BB & T located at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The purpose of this XXXX XXXX, 2016 visit was to remove my father 's name from their safety deposit box and add mine. We dealt with XXXX XXXX, Branch Manager, and XXXX XXXX, Branch Banker. The latter was XXXX who worked with us on the paperwork. On XXXX XXXX, 2016, I received an alert that a hard pull had been done on my credit. I complained to BB & T that 1 ) they did not have a legitimate business purpose for accessing my credit information and 2 ) that I wanted them to remove the credit inquiry. I received a call on XXXX XXXX, 2016 from a representative from BB & T bank. This rep stated that they did have a legitimate business purpose. She did not cite the specific part of the FCRA to which she referred, but did mention that BB & T was required by law to check to make sure I did n't have any fraud claims against me, etc. if I was to be named on a safety deposit box ( XXXX can only assume " required by law to consider an applicant 's financial responsibility or status '' XXXX although I fail to understand how it applies ). I then said to her that the check was then complete and the legitimate business purpose had ended. She replied that they had an interest in selling me further services at the bank. I told her that I did not want any services from BB & T and that its " interest '' was unfounded. She said she would put me on a " do not call '' list. I then asked why, if this is such standard practice, I was not notified upon signing the paperwork to add my name to the safety deposit box that I would be subject to a hard credit pull, which would affect my credit score. She replied that there is a " huge '' sign " three times larger '' than any name plate on every associate 's desk making this clear. I can assure you that no such sign was present nor was I cautioned as to the credit pull. I will also mention that it was not until I started this complaint process with BB & T that I was also informed that, by adding my name, I was in fact a co-owner of the box and financially responsible for it. At the time, we and XXXX XXXX seemed to be on the same page that I was simply being granted access to the box -- not a co-owner of 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 explanation
Consumer complaint received 2021-07-06
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in regards to non response to my inquire to LoanDepot for a Credit/refund for increasing the closing costs above the legal limit. 
The question I asked XXXX XXXX was why we received a credit against our closing costs. 
His reply was 'there is a threshold that can not be exceeded for all mortgage loans in this area '. 
Our closing costs increased yet again ( substantially ) and I asked two times if we are due another refund or credit. Unfortunately, those questions were not answered. 
Closing occurred on XX/XX/21 but no disbursements have yet been made. 
Messages regarding the credit/refund were sent prior to closing taking place. 
All I want to know is if a credit/refund is ( was ) due for the closing costs going even higher and further exceeding the allowable limit in my area. 

I had to submit complaints to XXXX  and a previous complaint to CFPB ( # XXXX ) just to re-establish dialogue between myself and LoanDepot representatives since closing was delayed well over a month. 

Please help me answer this question. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have been paying my students loan on a regular basic or monthly before the Covid 19 pandemic and before the government moratorium on student loans. I was told that if I paid my student loans for ten years i would be finish paying my student loans. I have not missed a payment that I can recall ( {$270.00} ). 

I have been XXXX school for XXXX XXXX XXXX XXXX in XXXX, Kentucky for the last 20 years. I have applied for loan forgiveness, but I have been denied several times and I have taught in low income schools and schools with high rates of poverty. I qualified for a {$5000.00} reduction in my student loan based on my XXXX experience alone. 

I am now receiving calls from Navient Student Loans, XXXX. XXXX XXXX, XXXX, Pennsylvania, XXXX stating that I am in default. I thought the federal moratorium on student loans will not end until XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and Trans Union-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.

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