BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Scammed called, sent XXXX via XXXX Cant reach bank

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 2015-05-29
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage with Citimortgage. I requested assistance by way of approval for a short sale. They XXXX made me go through a modification process even though a short sale was requested. It appeared that they purposely waited to start the short sale process as a last resort. After they understood I wanted a short sale ( even though it was stated and requested on their paperwork ) they required that I submit all my documents again because " it was another department ''. After weeks of this repeated process they denied my short sale because the loan was " charged off ''. They continued to keep the process going even though the loan was elsewhere. Now after following up XXXX they have apologized that they have not done an escalation and will " send another email to remind them it needs to be done. '' I started this process with them back in XXXX 2014 XXXX almost six months ago ). In the meantime, my primary mortgage lender has approved my short sale process, I have an eager pre-approved buyer, and the process is being held up by Citi Mortgage. At this point I am concerned that I will lose the buyer and have to start the process XXXX again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The ExperianXXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$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 explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: CA
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:
1. collection agency XXXX XXXX reported on credit report Equifax with balance {$40.00} open balanceopened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

2. collection agency XXXX XXXX reported on credit report Equifax with balance {$58.00} open balanced opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate. 

3. collection agency XXXX XXXX reported on credit report Equifax with balance {$120.00} open balance opened XX/XX/XXXX, XXXX when call to resolve collection has different amount owe than stated on the report. it also dated last reported XX/XX/2022 which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance Owed : {$0.00} TBOM/FORTIVA XXXX Balance Owed : {$1500.00} XXXX FIN XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00} XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$740.00}

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 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The National Mortgage Settlement ( NMS ), RESPA enforced by Regulations X and Z, the California Homeowners Bill of Rights ( HOBR ) and other agreements govern how Bank of America is to conduct loss mitigation assistance and programs. 
At present, Bank of America has represented to me twice that a Department of Justice ( DOJ ) and XXXX ( XXXX ) Settlement and subsequent settlement offer were the result of a Request for Mortgage Assistance ( RMA ) borrower submitted application package rather than the proposed offer to settle for their misconduct during the loss mitigation process related to this home loan mortgage account. These representations were made on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
As recently as a XXXX XXXX, XXXX Bank of America has made the knowingly false representation to me and when I made requests for clarification all I got in response was a County Recorders Office Notice of Default and Election to Sell with a California Declaration recorded XXXX XXXX, XXXX publicly starting the foreclosure process. 
To date, I have not received any explanation of why Bank of America is representing the DOJ and XXXX Settlement offer as a borrower requested mortgage modification.

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 2020-04-14
Company: BSI Financial 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'm a XXXX Veteran was in XXXX treatment and told the loan company BSI Financial services i would send payment later. 

THEY AGREED I PAID AND NOW THEY REFUSE TO CORRECT THE FALSE CREDIT LATE PAYMENTS THUS IT IS CAUSING ME A HIGHER INSURANCE PREMIUM, THUS I CAN NOT AFFORD THIS UNTIL THEY CORRECT THE CREDIT BUREAU ERROS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Union Home Mortgage Corp
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Union Home Mortgage owes me my escrow funds and I was told I would receive them before XXXX  .. My loan refi closed on XX/XX/2021.. 
last week the XXXX phone rep stated the refund had been mailed .. this was a lie .. todays XXXX rep stated it was being processed and could not give me a mailing date.. These are my funds and there is NO reason why I should not have received them. 
XXXX has many complaints on this serious issue of XXXX holding back these refunds.. I want my escrow monies!

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 2015-04-23
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JNR Adjustment Company, Inc
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
XXXX XXXX - XXXX CA. 
One week into my last quarter I was called into the financial aid office and I was told that my tax paperwork had not been submitted for my Grant by the financial aid liaison that I dealt with there. That financial aid liaison was no longer employed at XXXX for me to talk to. When I approached the head of the office, she told me I had few choices. 1 ) I could pay out of pocket of the sum of over {$10000.00} or 2 ) I could get a loan direct through XXXX XXXX XXXX XXXX where there will be no interest charge and I could make payments or 3 ) I can drop out and not Finish College but I will still have all the federal students with no degree. I was not allowed not return to my classes until I told them my decision. Couple of days later, I selected to take the private loan through XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, As the day it was last active, would affect the day it would naturally fall off. 
I have sent portfolio recovery many certified letters trying to get this removed from my credit report. Now they are no longer responding to my letters telling me I have already complained about the same thing prior. They said they would not do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/TransUnionXXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-22
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Management is currently trying to collect a debt from me. 
My credit report is currently reporting 3 different days last active. 
Its actually reporting XXXX different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right, as the day it was last active, would affect the day it would naturally fall off. Three different years is ridicuous! 
I have sent certified letters to Midland asking them to remove this erroneous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: GOLDMAN SACHS BANK USA
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 notified XXXX Credit Card by Goldman Sachs about a billing error and they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Genesis Lending
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX XX/XX/XXXX -XX/XX/XXXX ( a XXXX XXXX ). All of my loans were forgiven by XXXX Acct. # XXXX in XX/XX/XXXX. Genesis should have been included in this. They need to stop sending me notices as I am XXXX and will not be paying back any loan unless I receive help from the government myself. Please check this out and inform me of your findings.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I issued a check to Dillards in XXXX and it never went through then received another statement in XXXX stating it was paid due. I called on XXXX XXXX, 2015 and paid the {$2.00} over the phone and was given a confirmation number. I called today XXXX/XXXX/15 to verify that the balance was showing XXXX and it still is showing the {$2.00} as past due. I am very upset because this is showing up on my credit report. Also, the woman stated that they tried again and it would not go through using my debit card. There is something wrong with Wells Fargo who is handling Dillards. I am going to the store tomorrow to pay this off. Can you please inform someone of their practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
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: Information belongs to someone else

Complaint:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.

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 2016-08-31
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 2016 CFPB Re : Complaint Number XXXX Ladies/Gentlemen : I have received your letter of XXXX 2016, informing me that the collection agency XXXX is discontinuing its collection efforts, as they are required to in disputed cases. 

I have also received another collection notice, this time from RPM collection agency ( Receivables Performance Management, XXXX. XXXX, XXXX WA XXXX ) telling me that I owe {$100.00}, please pay, etc. The XXXX account ( XXXX ) is the same in both cases ; the XXXX Collection department has not responded to the CPFB notice, apparently. 

In my email to you of XXXX stating the details of this case I listed five separate contacts we had with the XXXX Customer Service personnel ; each time we were told " Do n't worry, the account balance is XXXX, there was a system glitch. '' ; but each time there was another bill from XXXX for the same discontinued service. This has now gone on for 14 months, and still continues. 

It is a simple matter for XXXX to verify that there has been no activity on the lines in question since the original service cancellation, they have usage statistics for all digital lines ; thus, there is no basis for these continuing debt claims, and the XXXX Customer Service people seem to be aware of this. It should be quite clear that there was an accounting error. 

The fact that the XXXX Collection department keeps repeating this claim, evidently in hopes that I will simply give up and pay, just to avoid further nuisance, amounts to harassment. Is this really so hard to get resolved? Is this not what the CFPB was created to deal with? Please try once more to get this stopped, for good. 

Thanks, 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