BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
For the past few years I have been paying interest on all of my loans, and this month is the first month that the loan payments are going into effect. Paying Sallie Mae has never been an issue, the issue is that I called for them to adjust my payments based on my income ( which is {$1200.00} every 2 weeks ). Well the associate pretty much took the average of my income and the amount of paychecks for the year and stated that I make {$2600.00} a month which is not true. There are only two months out of the year in which I get paid 3 times a month which is XX/XX/XXXX and XX/XX/XXXX so pretty much for the entire year I make {$2400.00} a month except for those two months. Anyway so after telling them how much I pay in bills each month the associate has it in her head that I would have {$600.00} remaining because she believes that I make {$2600.00} each month from this miscalculation ( so they pretty much took the amount from those XXXX additional paychecks that I would receive, divided it up and added that amount to my monthly income ) but in actuality I would only have {$400.00} a month remaining and they wanted to charge me {$340.00} a month for the loans which would leave me with {$57.00} in case of emergencies, oil changes or what ever else comes up during the month ... Then I discovered that I also have federal student loans that would go into effect as well and I wanted to include that amount in my monthly bills and they told me that they do n't include that because they want you to file for forbearance or deferment instead of lowering their payments. They know that paying federal student loans is a bill but since the government offers that option, they would rather get the customer in more debt than help them out of it. I feel as if somewhere this is against the law im sure because I thought that a person could not apply for this unless they truly needed it, this should not be an option for another company to advise their customers of so that they can get the most money possible out of the customer. So while speaking with the manager and explaining that I was trying to pay both the government and them, the guy told me to " shift '' my money around because they were doing me a favor and that I was lucky that they were even doing that. So at this point, I am paying them what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a cardholder of the Citibank double cash card. On XX/XX/XXXX of 2020, I was charged by my gym for my monthly membership covering the XXXX XXXX XXXX period in the amount of {$65.00}. The following week, my gym closed due to the coronavirus pandemic and subsequent Illinois stay at home order. As a result, the gym was unable to provide the agreed upon services. I had not attended the gym at any point prior to the closure due to virus concerns. I contacted the gym directly to reverse the charge with no response. 

On XX/XX/XXXX, I entered a dispute through Citibank ( XXXX ) on the basis of services not having been received and was issued a conditional credit in the amount of {$65.00}. Citibank claims to have emailed me requesting additional information on XX/XX/XXXX, however I did not receive an email at the address on file. I received a letter dated XX/XX/XXXX informing me that Citibank had reversed the conditional credit and closed its investigation after receiving additional information from the merchant. Citibank enclosed the evidence they used to deny my claim with their letter and demanded that I respond via mail if I would like to appeal the decision. 

Upon examination of the so called " evidence '', I immediately recognized that the information provided was not in any way related to my case! Citibank used membership contracts, gym usage information, and private agreements of OTHER citibank cardholders who belong to DIFFERENT gyms as the basis for denying my claim. I am now in possession of IDENTIFYING personal information of unrelated 3rd party consumers obtained from unrelated 3rd party merchant gyms ( addresses, phone numbers, names, ages, emails, etc ). The implication ( I would hope ) is that Citibank did not even care to review the information before sending it to me. At worst, it is a shocking example of fraudulent practices and a breach of consumer trust. 

I have contacted Citibank during normal operating hours and was connected to the dispute department. Citibank terminated the call before I had the opportunity to speak with someone. This behavior is unacceptable and must be resolved 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 2020-03-24
Company: EQUIFAX, 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. I also saw that I had child support, and I have never been put on child support. I did some deeper research and I was told that someone used my name and social to try in collect monthly payments. Please remove these unknown items from my report as soon as possible. 

XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XXXX   XXXX {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX  & TRANSUNION HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$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 non-monetary relief
Consumer complaint received 2022-07-16
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Navy Federal Credit Union drafted XXXX on XX/XX/2022 from my checking account for a charged off Credit card balance. I asked to have it refunded and set up payment arrangements. I was declined a refund. XX/XX/2022 XXXX was drafted for charged of credit card from my checking account. I want my money refunded and I will set up payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been a victim of fraud in checking my credit report I have over 47 inquires on my credit reports. I have sent information to all the credit agencies. Nothing has come off as of date. I have attached my police report on this matter.

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 2022-04-08
Company: WELLS FARGO & COMPANY
State: GA
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:
Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and Wells Fargo, XXXX and XXXX that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. 

Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. 

Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. Wells Fargo I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. 

This time they used my personal information to file government taxes.

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
deceptive apt practices 

XXXX XXXX  
XXXX
: XXXX XXXX XXXX XXXX XXXX   TX 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 2022-09-15
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home back in XX/XX/XXXX. Since this time we've seen significant market appreciation and I wanted to look into getting rid of the PMI on my loan. I initiated the process with my mortgage servicer back in XXXX and we completed an appraisal with the vendor of their choosing. 

The value of the property came back evidencing I did in fact have the 20 % equity in the home and my understanding was the PMI would be dropped. I have spent the last 60 days going rounds with Mr. Cooper as they won't drop the PMI but also can't provide an articulate reason as to why they won't drop it. They needed 15 days to research it initially, then another 30 days to look into it again, finally I called again today and they stated no progress has been made, they're unable to expedite and they're unsure of when someone will have any sort of articulate/intelligent response. I was advised I refused to send an e-mail by my 2nd escalation specialist. I inquired if that meant they did nothing for the past two weeks, no action was confirmed. I wasn't permitted to speak with a supervisor as they have a 2-4 turn time for this process. I've acted long enough in good faith with zero traction. XXXX with the escalations refused to call me back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. When I was successful in getting another representative they lied and claimed XXXX had left me a voice message yesterday which I have since confirmed is not the case. 

My understanding was was 20 % equity was reached in property, after evidenced by an appraiser of the mortgage servicer 's choosing, PMI is to be dropped immediately. 

Finally, they're still trying to invoice me for the report despite not being able to utilize said report for intended purposes. 

I can obtain a copy of the most recent mortgage statement & appraisal if helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-09-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Mortgage did not tell me when I went into forbearance under the CARES Act that they would want thousands of dollars from me after the forbearance ends. I thought they would tack it to the end of my mortgage. Are they trying to take peoples homes from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This complaint is a companion to CFPB Complaint # : XXXX. 

Experian continues to fictitiously " investigate '' by comparing data with the source who provided it. They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. 

They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. 

As CFPB may be aware, any company can furnish data to Experian. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 

Just because the data furnisher and Experian have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, I get new disputes opened up, and get letters saying they will not re-investigate. 

The letter I am attaching to this complaint will be sent to relevant government organizations. 

I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Experian as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards. 

In fact, Experian offers companies two methods of viewing and scoring data from potentially erroneous or outdated sources : 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 explanation
Consumer complaint received 2015-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I was struggling financially and I filed for chapter XXXX protection ; however, none of the filings was accepted by the Bankruptcy Court they all were dismissed. This complaint is to have all XXXX credit reporting agencies remove the information from my credit file. The Chapter XXXX Bankruptcy 's I filled in XX/XX/XXXX was NOT confirmed. I was told by XXXX that they can keep it on my credit report for 10 years, however, I live in California and the Federal Law is 7 years of the filling. Also, the plan was never executed and was dismissed/discharged in XX/XX/XXXX as well. I want all XXXX credit report agencies to remove all negative information relating to the Chapter XXXX 's I filed in XXXX, XXXX, XXXX, and XX/XX/XXXX. I filed them and the bankruptcy court did not process any of them ; they all were dismissed out of court and should not be on my credit reports in XX/XX/XXXX ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
company calls from multiple numbers everyday. Have to them to send anything via postal service. The also never leave message and name comes up on caller ID but they have never said who they are or why there calling. Every single day and have never gave them number or permission to call me.

Company response to consumer: Closed with non-monetary relief