BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been having a collection on my credit report the agency name is XXXX XXXX  XXXX reporting for XXXX XXXX. I paid {$110.00} in return for them to report the collection from my report. It is on my Equifax and XXXX  credit report. The collection has been on there since I put in a dispute in XXXX and I keep getting transferred to departments that can't help me. I received a letter from XXXX XXXX  XXXX on XX/XX/XXXX stating they would have the collection deleted from both reporting agencies. This is stopping me from getting approved for a house and it should be removed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: LendUp Loans LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I contacted lend up to informed them that i was going to be needing an extented payment plan and i was told that they did not have to obey that law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I filed several complaints with CFCP after having no luck getting them to correct the mistakes on my credit files. 
In response to filing the complaints, the credit reporting companies took vindictive action on my credit file. 
After the creditors reported the updated information, XXXX, and Equifax both reported the same account MULTIPLE times on my credit file making my credit file appear much worst than it is. 
Instead of being fair and honest companies, it seems the Credit reporting companies are petty and corrupt. 
Included is a copy of said closed accounts on my Equifax report. The information is similar to the same on my XXXX file. 
The report detail I include truncates so you can not see the account numbers but the are the same, over and over. 
Doesn't same fair to have the same charged off ( paid in full ) reported multiple times, with both varying correct and bogus infomation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TFS FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were quoted a figure of {$430.00} for title charges on the original estimate of costs, and on the final closing cost form, but when the title company contacted us to close the loan, the fee for title charges was {$1400.00}. When we asked about this, we were told that they had quoted the {$430.00} because they expected us to get some sort of credit which they figured out we were not eligible for after they sent us the final closing cost form. So we basically had to come up with an {$1100.00} to close the loan the day before the signing. This feels like a bait and switch, but with the closing happening, we didn't feel we had a choice but to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I had lost my debit card and an roomate had found it and had uses it and they passed away. Therefor my account is over drew {$130.00}

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 2021-09-26
Company: Mr. Cooper Group Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on payments leading up to XX/XX/XXXX. I had accumulated all of my past due payments and was calling Mr. Cooper to get wiring information and at that time, they told me that I didn't have to make that payment and there was a " great '' new government program out, and I didn't have to make payments and could use the money for other things. They lured me into this program, aka CARES Act Forebearance, with the " promise '' that the payments would go into the end of the loan. I was promised no late fees, no required payments and that the balance would be added to the end of the loan. Now, come to find out, they are telling me I need to pay the lump sum or give up my home. This was financial entrapment. The reason I was initially behind was because Mr. Copper increased my mortgage payment by 34 % in XX/XX/XXXX, claiming that the prior servicer had not calculated or collected escrow correctly. The prior servicer, XXXX, XXXX had on numerous occasions required excessive and predatory amounts of third party fees and expenses to keep the loan current and in place. No one has been able to substantiate what months and what amounts of escrow were not paid accurately or correctly doing the life of this loan, causing the 34 % increase in my payment prior to forbearance. I have owned this home for 21 years and I feel like I have been intentionally placed into a precarious place by Mr. Cooper and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.

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 2021-09-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Per my contract as the debtor I will be asserting my rights as the debtor XXXX XXXX XXXX violated 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) 3-415. OBLIGATION OF INDORSER. 

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

1.15 U.S. Code 1692e.False or misleading representations 2.15 U.S. Code 1635 - Right of rescission as to certain transactions 3.15 U.S. Code 1605 - Determination of finance charge 4.15 U.S. Code 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
- On XX/XX/2023 I wrote a Validation letter to United Revenue Corp : and they received onXXXX regards to my consumer right of the Debit Collection Act 15 USC 1692g , Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documentation that I have the right to request my second Validation attempt letter to United Revenue Corp : of Agreement docs and more as you will see that I have uploaded ( attached ) is what I sent to them for the second time and by law they have 30 days to validate my request as this is my consumer right of the law. In violation of this request law and ignoring my request of all documentation that you will see attached that I have asked for I demand that this item ( Medical ) that is being reported on my consumer report be REMOVED ( DELETED ) .from my consumer report because of the 30 days past due that I did not receive none of the documentation that I asked for from UNITED REVENUE CORPORATION . I am requesting that the CFPB who protects me as a consumer have this negative information and violation of the 30 day request law that has been ignored REMOVE, ( DELETE ) this item from my consumer report. Thank You!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a refinance and my loan was transferred to Mr Cooper. At the time of the refinance I clearly indicated that the sole reason for the refinance is to be set up on Bi-weekly payment to rapidly payoff my mortgage. At the time was informed not a problem. The problem is this never happened. I emailed Mr cooper XX/XX/21 of the error that needed to be rectified. I did not get a response. Followed up again with multiple messages and email and was informed there will be a charge for the bi-weekly set up. It is false and misleading. At no point anywhere in my emails or contract I signed was there an indication of a fee. The unfair practice needs to be stopped. Was promised a call back once there is clarification per the error on their part. I did not get one even paid my mortgage 30days ahead as I was instructed to do by the representative of the company yet nothing till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has repeatedly called my number today five  times in six  hours from XXXX XXXX to XXXX XXXX. This has now crossed over into the land of harassment and it needs to stop. No Voicemail is every left, I am dealing with the COVID-19 pandemic like everyone else and these people and their constant calling is only adding stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a victim of ID Theft and I have been trying to improve my credit file. In my file I have collections with Navient, when I asked for all of my loans to be placed in consolidation. Now I have all collections until a company opens up the collections. I also have accounts from XX/XX/XXXX and XX/XX/XXXX negative items, how long does it take for them to be removed? I have had an several inquiries that I have questioned with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
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: Old information reappears or never goes away

Complaint:
Information on my credit report provided by Experian and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

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 2022-04-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I filed for bankruptcy in 2015 and all debts forgive. However the company holding my student loan has refused to forgive any loans and keep charging interest on those loans. I have been unable to pay any portion of the loans meanwhile they just keep accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?

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 2021-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am XXXX had Bank of America account since XXXX and its my salaried account. I have added my husband XXXX as a joint holder to my account in XXXX after our marriage. Currently I have protection orders against my husband. He forged my signature and withdrew my cash and closed my account. The bank of ameracia discriminated me because of my nationality and my language and favors XXXX XXXX, by cancelling already issued cashiers checks to me on file and sending new cashiers check worth {$3400.00} to new po box address which is not on the file, without notifying me even after I rise the issue to the bank of my ongoing legal issues. Please find the attached copies of my forged signatures on the cashiers check. Also attached the police report of forgery. 
It is the banks responsibility to verify address to sent check and the sigunatures when I have raised the issues to the bank. 
Concerns : 1.If I am not authorize to encash with out my spouse, who can bank clear the check to XXXX without my presence while I have protection orders against him. 
2. When I notified the BOA issue that I have with my husband. How can they send the checks to the different address than the original address on the file. 
3. How can BOA released the funds without verifying my signature ( Loyal customer of BOA more than 12 years. ) 4.I am in the fear he might be forge my signature for illegal activities which I have to involve to face them.

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 2021-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Information on my credit report provided by XXXX and Transunion that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

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 2021-09-26
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
To start I had chase and was never notified the mortgage was sold then after I had put a lot of money into the house I had asked to have pmi removed then I was forced to purchase insurance from them then I had fallen behind in the mortgage and was able to get caught up then again I fell behind and they refused to let me catch up they would return the payments eventually I was able to apply for a modification at that time I was advised to tell them I would need them to apply areas to the back of the loan as the payments where going to them on time they sent 1 payment back then requested I start new trial again they refused last payment for modification then offered a third modification attempt this time we sent US Postal with tracking numbers again they said they didn't receive a payment for XXXX and they did not call write email no attempt until XXXX then cashed XXXX 's check sent back XXXX XXXX, XXXX, XXXX XXXX check in XXXX cashed XXXX 's then sent a letter to foreclose after they were notified that the postal service had delivered payment also I notified them of having issues with covid continued payments on time they still charged penalties and fraudulent charges I had the taxes reduced by the township and state they raised the fees I am convinced that they purposely refused payments to foreclose only property also I was never offered any help with alternatives and they did not apply monies paid to the loan and they did not report I have been paying on Time the last year and a half and there is more they were shown proof of payment and won't accept responsibility for the lost or misplaced XXXX payment and now don't want to offer the modification I believe they played with time on calendar to coincide with state expiration of covide expiration thanks for your help 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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
BANK of America is reporting inaccurate information on my credit report. I requested information from them via a certified letter using the FCRA statue 623 on XXXX XXXX, 2015. They have ignored my request & continue to report accounts negatively on all XXXX credit reporting agencies. The credit reporting agencies say it 's my responsibility to provide them with all the proper documents but I was n't born yesterday. I know it 's the data furnishers responsibility to provide all the proper documents when requested by the consumer. I would like this information removed from my report immediately. I 'm including all correspondence I 've sent to the credit bureaus as well to get them to remove & they 've always passed the buck back to the data furnishers.

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 2015-08-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27
Company: Lending Club Corp
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on the date of XXXX XXXX .PNC BANK provide a cashier check in the amount of / {$10000.00}, without my written permission for an alledged debt. this caused me damage/ during the pandemic.

Company response to consumer: Closed with explanation