BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: MI
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 to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Bankruptcy XXXX Dismissed XXXXr XXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed XXXX  XXXX Bankruptcy XXXX Dismissed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: FISERV INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX I went to check my account balance on my XXXX  moneynetwork pay card from and noticed that there were numerous charges ( 241 charges for {$2.00} ) that started on XX/XX/XXXX and subsequently reduced my account balance to one cent. There were also 12 charges for {$2.00} but they were refunded back to my card after reporting the charges to both XXXX XXXX and XXXX as fraudulent charges. The 241 charges for {$2.00} have not as yet been returned to my account balance and were taken from my bank account via the debit card XXXX, yet there is nothing listed in my XXXX XXXX   transaction history to suggest I made these purchases. Nor does anyone besides me have access to my account information. I reported the multiple {$2.00} charges to both my bank and XXXX XXXX, but one or both of them denied or concluded it was not necessary to return the funds to my bank account. The fraud division at XXXX indicated that there was " inconsistent conflicting information '' as the reason for denying my fraudulent charges claim and I have since filed an appeal against their denial and await the results of their investigation. I also resubmitted a fraudulent charges request to XXXX XXXX and am awaiting the results of the review. Note : Update regarding XXXX XXXX : They claim to have invested it and have found nothing to support my claim. I honestly fail to see how they can fail to find sufficient information to support my claim when each of the {$2.00} charges were indicated to have been taken via XXXX XXXX nonstop for 56 hours in 10-20 second intervals until there was only the aforementioned one cent left in my account. I additionally submitted a police report on or about XX/XX/XXXX when I discovered the fraudulent charges.

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 2020-01-14
Company: First Advantage LNS Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, of 2019 I mailed a letter to National Credit Audit Corporation in regards to them trying to collect {$760.00} that I allegedly owe to XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX XXXX. I asked them to provide documentation that proves that I owe {$760.00} to XXXX XXXX XXXX  and they were unable to. They mailed a description of charges and amounts but nothing the proves that I owed this amount amount at the conclusion of my lease. This company is horrible and has not attempted to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was paying my student loans under a student assistance program and had n't realized that they stopped collecting payments from my account. When I received a phone call from Navient, I told them that I needed to do more research to verify that my loans had n't been paid since XXXX 2015. She then told me that she has already done verification of employment and will be pushing forward for wage garnishment. I again told her I wanted to do some research and she said she 's already done it and became very nasty with me over the phone. I finally told her I would discuss it with her only AFTER I was able to do some more investigating and hung up. She called right back and I did n't answer as I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}

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 2020-08-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX card was paid off in full and was never late this account is close and have a negative mark on my credit report also my XXXX XXXX   card is also showing negative on my credit report which I also paid this card off in full and the only reason I was late was because of frude on my account so I was disputing that but my account was always paid on time and both accounts are closed so I dont understand

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am receiving emails stating that now I am having to start paying on my students loans. I am currently in forebearance with another lender and can not start making payments XX/XX/XXXX. I am on a fixed income and this is something that can not fit into my budget at this time. This is stressful and I am very unhappy about this since I have sent all of the information they have requested. Along with the payments being requested before I thought it would be the amount is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX Balance XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX  Date of inquiry XX/XX/2021 Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed Chapter XXXX Bankruptcy XXXX Dismissed

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 2020-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a continued complaint from me from prior incident with usaa. My checking account was hooked up with usaa and XXXX  to make direct payments on my credit card since XXXX with representative XXXX my account has been over are normal expenditures for 2 years I want the money taken from my checking account back. It amounts to an outrageous amount since argument with rep. 2 or more years of stealing from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Synchrony Bank applied a promotion to my account without advising me that I had a year to pay it off with no interest and that if I did not I would incur interest form the date of the loan. I log on and find a interest fee of {$1500.00}. I called they could do nothing. I find it deceitful. I should have been advised of the promotion and given the option to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In regards to the previous claim, CFPB should not close the case as the problem is not solved, I would not accept the decision that the company had responsed. 

Several bad practice had came to me by the company : 1. The company only contacted me once, and I missed the phone call, this is pretty common and the company should call for the second time at least, as other banks do, but they don't, kind of abnormal. 

2. Their wording " reserve the rights to close the account for any reason '' is a type of bully behavior as they can always make up the terms good for them and we consumers can only eat it. If it does not affect me who will want to use your credit card for the bank can that easily close a customer 's account. Closing my account had reduced my well established credit line and causing the credit score to  change, also, affecting my financial plan. 

3. In their response they played with the wording " return check could mean different things '', but in my account it literally just because I don't have enough money in my account, by accident, and no dishonest behavior to the bank as I made it up right away. The bank had no loss, but I had a great deal. 

4. Please noted, such odd term of closing your account had never been communicated before, don't tell me you wrote it somewhere in the card agreement with a billion words, you can write everything in, you can also made things up. I'm only talking about if this term is acceptable or not. 

5. Even this is a critical term which you guys believe, it should be communicated the first time I had experienced a returned check, by saying something like if second time your account will be closed, but I did not receive any notice like that. 

6. In general, I tried to fix it and make up the payment by using other resources right away after I noticed a rejected payment, my attitude towards the issue is very serious, but the bank is doing nothing on our communication and even on the response of the CFPB complaint, they just explained the same thing and nothing had really been investigated and they don't check if their way of doing things are fair enough. 

7. I had a total of roughly 10~15 credit cards open and had no issues with them ever, similar things happened before, other banks may charge you a fee rather than closing your account. I have a well-established credit line with no late payment ever, and that's me experiencing a bank incredibly closing my account. My great credit profile had turned this banks behavior into a joke ....

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 2020-01-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been unable to locate my 2nd Lien Account. Last Assignment of Record is GMAC Mortgage Corporation in 2005. I have been advised that Ocwen has taken over some of their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I took a trip to XXXX, XXXX XX/XX/2016 and made several attempts to withdraw money from a bank ATM. I was not able to withdraw money in XXXX banks that I tried. I then logged into my online bank account to make sure my travel notification for my debit card was on. My credit cards travel notification were on, however my debit card was not so I turned it on. After turning it on, I again attempted to withdraw at another bank ATM. Again I was not able to so I gave up for the night. Later that night I logged in again to my online account to see {$410.00} was taken out of my checking account. I called Chase to report it and explained to them what happened ( only thing that could have happened : card cloning ) and they " gave me credit due to ATM dispute '' of {$410.00} and {$5.00} ATM fee. About 3 weeks later I am on another trip and I am checking my online account to find " reverse credit for ATM dispute '' of {$410.00}. I called Chase to try and figure out what happened. What they said was that they had evidence that what I had initially said was not possible. I asked them for their evidence and they basically said that it is physically impossible for someone who does not have my debit card to take money out of a ATM because it is a chip enabled card. In total I talked to XXXX representatives and they all said the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: William D. Meeker Enterprises, Inc.
State: NJ
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:
On XX/XX/2020 i got a notification from XXXX XXXX saying some mortgage lender has performed a credit check on my account. when i logged in XXXX XXXX i see the agency name as CIC Credit. 

i started inquiring recently about rates in XXXX XXXX, XXXX XXXX   but i never game my son or date of birth or provide authorization to run my credit. now XXXX XXXX says i have 12 days to find a mortgage lender to avoid degradation in my score. 

can you please look into the inquiry asap since i didn't not provide consent for sure. if you have any questions i can be reachable. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: DISCOVER BANK
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
University XXXX , CTXX/XX/XXXX Discover Student Loans verbally harassed and disrespected me. They called me at inappropriate times, they hung up the phone on me, they stole money from me, they gave me the run around, they reported my loan to collections. XX/XX/XXXX they overcharged me on student loan payments. The charged me late fees when I was n't even making any real money. I signed up for an Income based repayment plan and they took out more money than was authorized out of my account. They did this multiple times. I had to wait a week just to call Discover Student Loans to find out they did n't even start the refund process even though they said they would. I ended up waiting an additional 2 weeks for XXXX refund. They stole more money out of my account a second time and I had to wait another 2 weeks for a XXXX refund. They never gave me a fair chance at paying off my student loan. I have complained numerous times XX/XX/XXXX and here we are XX/XX/XXXX with no help. The loan accumulated interest and got sent to a collection agency/lawyer. Discover Student Loans treated me like I was n't even a human being. I have never felt so disrespected in my life. I think I got harassed because I do n't have a white sounding last name, or because Discover Student Loans has a history of illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Choice Recovery, 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:
I have a loan with CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CHOICERECOV ( Original Creditor : XXXX   XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.

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 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Was headed down the road of not being able to afford the house, so I contacted the mortgage company for payment assistance. The rep told me in order to help me I need to not make 3 months of payments then call him back. Otherwise, he was not going to help me. After 3 months, everything fell apart, tried to sell house. Had XXXX offers on the house and BoA rejected all offers and finally on the XXXX offer, wanted to debate the buyer for {$5000.00}. The rep " XXXX '' was stalking me and threaten to come to the house and make me give him the mortgage and call me day and night until a man answered by calls ... 
At the end of one year, I gave the house back to BoA. 3 months later BofA sent me a letter stating the loan was forgiven (??? ), but still gave me a negative mark on credit report. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a credit card with XXXX that was paid off and closed. At this present time the account is showing paid as agreed, but the credit status is Charged off. I had several investigation on this account but everything stayed the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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