BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have attached a copy of my Id and Bank Statement and credit bill with my address for a report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
This happened XXXX XXXX 2017- Capital One bank ... 

I want to delete this inquiry from my credit report. I didnt ask for credit in the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS servicing has been stalling my loan mod application since XXXX/16. 
They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. 
The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. 
Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My card was closed without notice. and I have XXXX points that is now in limbo. I would like to get paid out at 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 2020-08-12
Company: EQUIFAX, INC.
State: MS
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:
LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF ACCOUNTS WAS OPEN OUT OF THE CITY OF XXXX AND I STAY IN THE XXXX, MS SO IM NOT UNDERSTANDING HOW MY INFORMATION WAS STOLEN HAD TO BE A DATA BREACH CAUSE I HAVE NEVER SEEN OR OPEN THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank account was charged off. Account was paid in full to XXXX. I spoke with XXXX Bank XXXX, rep id XXXX, in XXXX at XXXX on XX/XX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a complaint about Transunion on the CFPB complaint portal. Transunion did not complete its investigation in 30 days and did not respond to my disputes. Transunion 's response was that they could not read my typed letters and photographed ID and address verification. 

We are now over 60 days from my original complaint, and they still have not responded or provided proof of verification.

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 2016-03-13
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open, close, manage and/or have '' his XXXX bank accounts, among other authorizations so I can continue to pay his taxes, etc. 

XXXX has XXXX Citibank checking accounts opened years ago in XXXX. They total just over {$3100.00}. XXXX previously made expensive unsuccessful phone calls as well as written documentation to authorize me to use or to close the accounts. I also have had multiple phone and written communication with Citibank. 

In XXXX XXXX, Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form, taking us back to where we started in XXXX. 

I am submitting copies of some communication with Citibank : POA with XXXX, XXXX emails from Citibank branch, my letter XXXX XXXX, witnessed instrument of delegation, letter from XXXX, his government photo ID card, Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports, among other documents. I successfully used the POAXXXX to sell XXXX of XXXX XXXX XXXX properties among other tasks as he asked.

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 2015-04-07
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, so I fell under a financial hardship in XX/XX/XXXX due to Covid. I called my mortgage lender Citizens Bank. I was offered a forbearance the end of XX/XX/XXXX, I applied for the Stand Alone Partial Claim in XXXX of XXXX. I have called my mortgage company weekly since I started the forbearance on XXXX. I am currently 4 months behind on my mortgage but I have been making my payments regularly since XXXX of XXXX. I call my mortgage lender weekly and they refuse to give me any information or tell me where I stand with my Stand Alone Partial Claim. Citizens is continuing my forbearance yet cant tell me what is going on with my account. I call weekly and no one can help me. Every single person gives me different information. This in my opinion is extremely unprofessional for such a large mortgage lender. I cant imagine how many other customers are struggling in the same situation I am. I have never had a company refuse to give me information regarding my own loan. They say they will have some one return my call and yet I never receive a call back. When ever I do speak with someone it is a call center out of country and the agents barely speak English. Its beyond sad that a company can lie and give so much misinformation. Please help me get this figured out. I dont know where to turn for help. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: OH
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:
Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for XXXX XXXX. Called and they still havent removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Credit Control, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt was paid off and is incorrect balance. I would like to see full proof of the account and balance being owed.

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 2015-09-23
Company: John C. Bonewicz, P.C.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This has been paid in full

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 2022-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022, I was notified via text ( time XXXX XXXX  pt ) by the fraud department that a purchase ( XXXX ) of XXXX was made on my account. in which my reply ( XXXX XXXX  pt ) no, at that time a received a reply back at ( XXXX XXXX  Pt ) that time had expired. I then login my mobile app to see and I notice that my savings account had been breached ( XXXX ) and was moved from my saving to my checking account ( XX/XX/XXXX, someday ) where I noticed an unauthorized purchase was made ( XXXX ) I then went to the bank after leaving an appointment ( have proof ) I arrived at the bank when I was told that to call the # on the back of my card, I spoke with the representative told her that my account has been breached and that there was unauthorized movement on my account and purchased. The funds were refunded back into the account a week later the funds were removed from my account again a notified the bank again and then they notified me that a document was signed. That they can't do anything do to that ( unauthorized documentation. I reinsure that this documentation was not authorized by me. ( with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account XXXX XXXX Bank on my credit report was paid in full and I was told by resurgent capital services LLC who owns and bought the account that it would be deleted off my credit report and it hasnt and its been paid in full since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of foreclosure with Citimortgage. I filed a complaint with CFPB on XXXX/XXXX/15 because my lock was glued shut. Citimortgage replied, but did not fully address my concerns. They denied gluing my lock shut and wrote : " You acknowledged and advised that no further assistance was required. '' Their statement is simply NOT TRUE. I NEVER said that no further assistance was required. My house is scheduled to be sold at auction on XXXX XXXX and my lock is still glued shut. My fence is still screwed shut. I have NO ACCESS to my house. The notice posted on the door told me to call XXXX, which is Citibank 's number. If Citibank did n't do it, then who did it? Are they asking me to believe that someone else came to my house, glued my lock shut and left a note to call Citibank in case of questions? There are still XXXX pieces of furniture inside the house, as well as my appliances. I want Citibank to either install a new lock and allow me access to my house or reimburse me {$1000.00} for the appliances that I am not able to get out of the house. If they do not install a new lock, I want Citibank to agree in writing that the house no longer needs to be in " broom swept condition '' for the {$5000.00} cash for keys offer to apply, since I can not go inside to sweep it and remove the last XXXX pieces of furniture as I had planned to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Franklin Collection Service, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Franklin collections is trying to collect a debt for XXXX which is not my account. It is fraudulent account! 
It appeared on my credit report as a collections I have disputed it through the creditor but have heard nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am total dismayed by the reporting practices of XXXX XXXX, Mn.XXXX. 
I would like to file a formal complaint regarding the XXXX items, listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX {$310.00}, collection*XXXX # XXXX, XXXX XXXX XXXX {$310.00} , collection. 
The above acct. XXXX XXXX XXXX # XXXX was deleted from XXXX credit bureau 's XXXX XXXX report, in XXXX. 
I pulled a Equifax XXXX report dated XX/XX/XXXX # XXXX that showed the above acct.XXXX # XXXX, ,which is the same acct.being added by to my credit reports. 
This caused my XXXX to drop from XXXX-to- XXXX, my XXXX score from XXXX-to-XXXX. 
XXXX, fraudulent reported inaccurate information stating that the acct.was open XXXX, I had a high limit of {$310.00}, reported XXXX, This information was reported fraudulent & inaccurate to deliberately further damage current credit scores, & future ability to obtain credit. 
This acct.was open XXXX & reported XX/XX/XXXX, XXXX, deliberately & fraudulently changed the open date to XXXX, & reporting date XXXX, which made it look more lack a recent collection acct,60 days past due. 
That is not right toward any consumer & should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: I.C. System, Inc.
State: AL
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:
On XX/XX/2020 I started checking my credit report for inaccurate accounts and I noticed several accounts that do not belong to me. I reported these accounts as a part of a identity theft packet to all 3 credit bureaus and filed all documents to the agency 's and companies involved to have the accounts removed and so far after multiple attempts this has not happened. I and asking that these accounts be removed immediately from all my reports as they are wrong and fraudulent.

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 2016-07-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting of a fraudulent hard inquiry for XXXX XXXX, 2015 from XXXX XXXX. XXXX XXXX says they have sent letters trying to rectify and Equifax say no such letters exist. XXXX removed the fraudulent hard inquiry but Equifax will not. Plus they have my name misspelled and incorrect on my credit file. I have been calling XXXX XXXX for over a year and nothing has been done to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Creditor XXXX is reporting to all XXXX credit bureaus, but Equifax is refusing to or there is a communication error reporting the account to Equifax. Ive had this account for multiple years and this account was on Equifax at one point not its not reporting. I contacted the creditor multiple times and they advised that the issue is on Equifax end. They report every month to all three bureaus. I need Equifax to add this account and history to my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Under credit inquiries both XXXX and Equifax are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ok so my dad was renting my house ( XXXX XXXX XXXX XXXX MO XXXX ) from XX/XX/XXXX-XX/XX/XXXX .. His name is XXXX XXXX my name is XXXX XXXX XXXX . My other home I have lived in are XXXX.. And XXXX MO .. I have NEVER lived at that XXXX XXXX that is my dad who lived there ... And that is HIS work history on my report I have never worked at XXXX nor XXXX .. Which takes me to the XXXX XXXX that is on my report that is NOT mine that is my dads .. And also the XXXX that is also not mine I have not had XXXX before

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TODAY, XX/XX/XXXX, FOR THE FIRST TIME I APPLY FOR A CREDIT REPORT AND MAKES QUESTIONS OF ACCOUNTS FOR XX/XX/XXXX LIKE XXXX CARD, CARS ACCOUNT ETC, WHEN I JUST HAVE XXXX YEARS I LIVE WITH MY PARENTS AND I DO NOT HAVE CREDIT CARDS OR AUTO, WHAT I CAN DO AS I UNDERSTAND THAT SOMEONE HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation