BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/22 we received a inquiry alert form XXXX. This alert advises us that our an inquiry on our XXXX credit report had been opened. 
On researching, the inquiry was shown to be made by Bank of America. 
On XX/XX/22 we received an information package in the mail from Bank of America. It contain a XXXX XXXX credit card that has been approved and only needed to be activated. 
I have not and will not activate this particular card. 
My complaint is that I neither requested or desired to get this credit card. Also I am worried that someone else is accessing my personal information on the credit bureau in order to fraudulently use this card. I also want to know why Bank of America, XXXX, DE issued this card without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I was trying to get my mortgage modified they told me that I '' would n't get a modification unless I was three months behind and that they could not except partial payments, but I continued with filling out the paperwork anyway. I was then told that I might want to stop making payments. I submitted the paperwork and they took 7 months to review it and denied me a modification.We were devastated, then I hired XXXX 's for {$3000.00} and a few months later we recieved our loan modification. What we did n't realize is that we would still be on the hook for the arrears, so it 's like we did n't pay anything for all the years prior to the modification. ( XXXX original loan amount, current balance is {$120000.00} plus the arrears of XXXX = {$140000.00} ) Our loan was originated on XX/XX/2007 with payments of {$1500.00} /month until we recieved the loan mod. Now they giving us monthly statements with the XXXX mortgage amount added to the modified amount which makes the monthly payment say more that it is. ( Please see attached ) I talked to a " XXXX '' and I asked the to put the to numbers separate and they refused to do so. This is concerning because it will make it impossible to get our PMI removed ( $ XXXX/month ), they could be charging interest on the the arrears, and it makes the monthly payment more. Please see what you can do they are NOT practicing fair business, it 's more like predatory lending. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I paid my Kohl 's credit card about 3 or 4 days late ( not 30 days late ). They charged me a {$25.00} late fee last month for the late payment in violation of the consumer credit card reform act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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 2022-09-05
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: DISCOVER BANK
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Found a Hard Inquiry Entry on my consumer credit report for a Discover Personal Loan dates XXXX XXXX 2016. I have not record of requesting either written or verbal for Discover Personal Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Eastern Revenue, Inc.
State: PA
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:
There are inquiries on my report in which I am unaware of. I also have a collections account that is stated to be mine however, it has been on my credit report for over four years and I am unaware of what it is. I have been disputing with no luck!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage was through XXXX XXXX XXXX, we were having trouble making our payments, we got behind 2 months payments. XXXX sent us packets requesting all financial information so they could help us out. They seemed very interested in helping us out and we had been in contact by phone multiple times. We became 3 months behind because of all the back and forth mailings and phone calls. At this point, we received notice from XXXX that they had sold our mortgage to another company named SETERUS. All future calls to XXXX have not been returned. We have only had XXXX phone call with someone from SETERUS. First of all, they requested my wife 's entire social security number, which she gave them. Then, they said we must make at least XXXX payment to them to keep in good faith and they want our bank account number so they can automatically withdrawal. We have never received anything from this company stating they own our mortgage, besides a phone call. No paperwork in the mail, no account number, nothing! So, we are to give our social security number and bank account number to someone we do n't know? If you check out this SETERUS company online, you will see they have nothing but bad reviews. We want to keep our house and are trying to do all we can to do so. We have been in touch with our United States Representative XXXX district office and XXXX XXXX from XXXX, our local news station. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions 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:
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 2022-04-11
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Okay I Opened an Citi Bank Account and I Attempted to fund the Account with a Check but Was Told I Had to Wait 30 days Ok so after 30 Days I attempted to Cash a Check 60 minutes after I Cashed it They Closed my Account and then they aint even send me a notice of closure

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 2016-12-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An account that gets paid on time every month, was missed this past month and a late payment was submitted. The payment has not posted yet, but we get at least 8 calls a day, some consecutively. When we answer the phone, no one says anything. I was only able to find out who it was by sitting on the phone for a good 5 minutes for someone to answer. Even after telling them, a payment was made, we keep getting multiple calls every day, even on XXXX. It 's becoming borderline harassment.

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 2020-03-26
Company: ID Analytics, Inc.
State: TN
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:
SageStream LLC reporting wrong information. No idea who this company even is. 
I got a letter from XXXX XXXX who i never applied to for a loan. I bought a car with another company. XXXX  sent me a letter denying credit of a loan because of Too many delinquencies and number of accounts with delinquency and more. Showed my credit score at XXXX. I have never had a delinquency and my scores with other companies are 700+. 
I have no idea where this company came from or who gave permission to look into my credit. I have only ever heard of 3 credit bureaus. 
How can i stop this company from tainting my credit I received the letter on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Tried to activate Capita One Credit Card year ago. Got XXXX  lady on the phone who asked me why I have accent and my legal status in this country. She probably did not get job in Board Protection Agency that's why she use her unwanted skills with me. I told her that it is not acceptable questions and requested to close account. Called Capital one 12 times every month because they were sending me a statements. Every time customer service told me that he is closing account but when I call them after receiving another statement again and card was active. I tired to call them and close account. I need confirmation of account closure from XXXX  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband and I owned joint account at Chase Bank for the past 6 years. On the beginning of XX/XX/2020 my husband received the letter from the bank stating that Chase wish to terminate relationship with my husband and therefore the account was under the consideration of being closed. immediately after I as a primary owner of the account contacted chase customer service with an attempt to resolve the issue. the account manager which i spoke to directed me to bring the issue to one of the closest branches and remove my husband from the account to terminate his relations with the bank. Important detail to mention, the account manager looked up my information and stated that there is no actions from the Chase side towards my name, which means I myself continue to be a loyal Chase customer. To mention that at no point through this whole situation I received any messages or notifications from Chase. As well nowhere in my mobile app account or anywhere else i saw any indications that I and my chase checking account was at any jeopardy. Only to learn that on XX/XX/XXXX in such devastated time in our country and around the globe chase bank did not accept direct deposit from IRS with so much needed stimulus money from the government. On XX/XX/XXXX I contacted Chase customer service again and was notified that my account pending closing, furthermore I was not given any explanation or timeframe how does this effect my existing funds on my account, or when I will be given my money back with some explanations and resolutions. Important thing to mention as of right now I am denied access to my funds and yet not given any explanations or guidelines how to proceed with an issue. As well worth mentioning that denying IRS governmental stimulus deposit in the time when my family in such financial distress and my husband out of work was illegal and against federal policies of putting everything on hold to relieve financial burden caused by COVID-19 virus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: ZIONS BANCORPORATION
State: CA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Problems caused by my funds being low

Complaint:
Hi, I was Included into this, XXXX XXXX Zions First National Bank,, I, m Sorry to say, I NEVER HAD a Bank Account with Zions First National Bank Period, on the Legal Notice I Got in Mail from XXXX XXXX XXXX, there were Names of lists of Co, s that ACH Debit, s from peoples Banks, they Withdrew Money,, Well I Got Past, Cyber Crime on all my Emails, from My First Computer I Bought in our House only 1 in house Mine. when I used this Computer, I always Got these Return To Email Server,, Mailer, XXXX, or POST,, on a lot and Even Legal Documents that are about Organized Crime, I, m a Ex Explorer worked for XXXX, under EX Chief XXXX XXXX XXXX, when I was younger and Trained, etc got Hired, I had a lot of Emails pertaining to, Insider Trading Acts, Surveilance, Eavesdropping, By a XXXX XXXX, since my first computer I, ve been involved in, So Much Fraud Acts, from my Phone Calls and Costs, Mail Criminal Documents, Costs, Faxes Costs, and Time and Gas $ , I, m Very Sure Posative that these Telemarketers & Internet Marketers have been doing Crimes to me and Familly, from past till Now still going on, I Got all my Evidence by Phone Records, Mail Receipts, Cyber Emails from XXXX, XXXX, XXXX, XXXX XXXX Evidence from Most All these Companies that are listed on back of My Legal Notice, Now I have Stated to the U.S. Security Exchange Commission my Financial Losts and Health Issues on Crimes etc, just 3 Days ago, NONE Perjured, My Word is Honest, and XXXX,, Telling you what I think is going on I, m Not a lawyer, But My Thoughts are My Evidence and its Good, This Class Action settlement is From a Criminal Group that have, Racketeered for Profits on everything dealing with my Business and Moms Business and I, m Sorry to Say My Street is Involved full Home Owners and Names for Evidence at my Street, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX,, Last I, m very sure that the People involved are More involved in Crime then there, Debits ACH Money Withdraws, on people in the Settlement, Ending I hope you can give me a Legal Documents from my Email info and your Details etc and Send me All Legal Info I Need to Add to my Cases Pending for Court,, plus I can have the US Securitys Exchange Commission talk to you about my Evidence and Whats Realy Going on Now Present etc, Thankyou, I, m sorry this is a Shock to your Case, I, m Hoping we can agree to the right Documents and the Right answers, To Help eachother and everybody Else, By, This Document is TRUTH, Not Perjurized,

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 2020-04-01
Company: EQUIFAX, INC.
State: DE
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:
Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and XXXX XXXX specifically refuses to reinvestigate or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from credit profile within 15 days.

Company response to consumer: Closed with non-monetary relief