BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-06
Company: Nationwide Biweekly Administration, Inc.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom it May Concern : I was sent a letter from my mortgage company with a return address of XXXX XXXX. Inside it mentioned a Bi-Weekly Program that promised to save me interest over time and I believed to be through my mortgage company. I signed up for the program and {$7500.00} was taken out of my debit account in XX/XX/2015. I learned on XX/XX/XXXX via a letter that it was a non-affiliated company, Nationwide BA and that they did not have bank funding to make my XX/XX/XXXX payment. I tried calling the company number provided to get a message, " We are currently experiencing technical difficulties '' and gave an e-mail address. I tried to e-mail but got an automated response. I have talked to my mortgage company and they received {$6900.00} from this company. Nationwide BA misappropriated {$510.00}. My bank reversed the last {$500.00} that was taken out of my account. I am not asking for the {$15.00} back from Nationwide BA but they are going to send the {$500.00} to collections that was reversed by my bank. When I tried to resolve this matter with XXXX XXXX at the extension provided XXXX XXXX Ext XXXX ) it hangs up. I waited on hold for over an hour and could not speak to a representative. I understand that the CFPB has filed a lawsuit against this company. I feel that this company misrepresented who they were to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account with JP Morgan Chase was in the negative because of XXXX fees in two days. Also I was charged fees the week before and I always have a direct deposit. I attached my statement to show how many fees they charged. XX/XX/XXXX, XXXX fee, XX/XX/XXXX, XXXX fees, XX/XX/XXXX, XXXX fees, and XX/XX/XXXX, XXXX fees. I think this is excessive and I want my money back. It adds up to {$300.00} and I am on a budget, I can not pay that, they will not help me and they were rude on the phone. This has happened to me last year also and I did not get any help then either. I am trying to do the right thing but I can not catch up with them. I had to borrow money to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX It is affecting my credit score and causing me issues to apply for other credit cards.

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 2023-04-15
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted contact with Equifax two times and have yet to get a resolution or verification of the inaccurate debt in question. The last letter was dated XX/XX/XXXX with still no response from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company XXXX XXXX XXXX  XXXX began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has called me non stop back to back from several phone numbers and cities. Ive called them in XXXX to see if the debt for XXXX XXXX could be settled and they said its nothing they could do. Ive been unemployed since 2015 I have a son with special needs and have been trying to catch up on bills that are affecting my credit and ruining my chances of getting on my feet. My family has been helping me and was going to help me settle with them to stop the excessive calls. They were not willing to settle and now Im being sued and have to go to court. I was Served earlier this week and the calls have yet to stop. Can you please help me from being continuously harassed by multiple phone calls and their lack of professionalism.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-22
Company: Pinnacle Credit Services, LLC
State: OH
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:
Company could not provide me with verification or detailed billing statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: WELLS FARGO & COMPANY
State: AZ
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 have repeatedly disputed the following charges : XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX   XXXX XXXX AZ # XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX  # XXXX '' {$19.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$35.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$5.00} XX/XX/19 XX/XX/19 " XXXX XXXX  XXXX XXXX  XXXX XXXX AZ XXXX XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} Any person that actually looks at these charges can see they are fraudulent. I did not make these charges and their most recent response is they are valid simply because I continued to meet my financial obligation of making my minimum credit card payment. This is laughable. They have not investigated these charges. I contacted XXXX XXXX to notify their corporate that they are fraudulent and they stated they had not been contacted by anyone about these charges. I demand these charges be removed from my account permanently.

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 2019-11-12
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have asked the company multiple times ( at least 3 times prior to today : XXXX XXXX, spoke to ****** ) not to contact me at my work place, she has told my staff members to tell me I need to call that company to resolve an issue. I have explained to them that I am unable to get personal calls at my job. Each time I had been told that they would remove the phone number but base on the calls it has not taken place. I have expressed my concern with the manager he stated they are doing their job and will speak to them to be sure the phone number is removed. 
My rights have been violated more than once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Coinbase, Inc.
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
switch two step verification to authy worked the first time but never again. 
have called and been hung up on. 
have emailed but not response have used the computer camera to verify my identity but got no response. 
What in the world is going on with you? 
I just want to log in to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a permanent resident of the United States of America since XXXX XXXX. I am a XXXX XXXX XXXX XXXX in my final year and a XXXX XXXX. My husband is a XXXX XXXX. Our annual income is over XXXX $ a year. Although we have many credit cards including an unlimited XXXX XXXX XXXX XXXX ( my Fico is XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ),  XXXX with limits over XXXX $ and many more store cards, we have been constantly declined by XXXX : - XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX The agent XXXX ( ID XXXX XXXX XXXX ) in Arizona, XXXX XXXX XXXX partnered with Citibank stated that the reason would be a " rejection by the system '' because of the " limited credit history ''. Although I have a very high credit score, the fact that I am a permanent resident makes me vulnerable by the XXXX automated credit card processing. Such an automated decision is a violation of the federal law, because it would decline any new permanent resident, although a specific situational case by case decision must be met in order to be complaint with the consumer protection law.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: TN
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:
THE ITEM WAS REMOVED FROM MY CREDIT REPORT AND RE-INSERTED BACK ON MY FILE WITHOUT WARNING. PER SECTION 609 AN ITEM IS NOT SUPPOSE TO BE RE-INSERTED WITH WARNING. THIS ACCOUNT THAT THEY ARE REFERRING TO DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated.

This is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I am involved in an relationship with a man who worked on the XXXX XXXX in XXXX XXXX North Carolina, he helped me to secure an job there as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since being introduced to him, the Private organization special operations team on XXXX XXXX, they have send my personal profile to Washington DC headquarters and told me to buy XXXX through local crypto currency machine in my local neighborhood. I had agreed to work with them in sending phones to the XXXX XXXX in XXXX XXXX North Carolina and they agreed to cover the cost of insurance and any charges on the XXXX XXXX XXXX account. This is been not rectified, since XX/XX/2021, I have several emails from this private agency in correspondence to this incident and when I reported them to the FTC the first time. They blocked their email address and nobody from the XXXX XXXX installation in XXXX XXXX has called me to rectify or clear this huge debt collection the current amount in debt collection is {$6800.00}. I was told that there is an XXXX in my name which I haven't yet been able to receive either. I paid for this vehicle to get registered in my name, this amount of XXXX payments was {$1000.00}. I believe the person behind this is false impersonating Federal government agency, using the FBI as they're way of getting through to me!

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 2015-08-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Spring Oaks Capital, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collection agency showed up on my XXXX and I have never heard of them or received anything from them. I sent them a certified letter requesting they verify or validate my debt. I never received a response from the company. I spoke to XXXX and made the aware that I sent a certified letter and never received a response and they said they would conduct a dispute. They sent me a letter claiming it as verified with no proof from the company and nothing at all from the company leading me to believe they have some kind of deal with them. XXXX is the only creditor reporting this and I didn't get any resolve or clarification from them. Till this day, I have yet to get a letter or anything from this collection agency. They are still tanking my XXXX score while im building and working on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with me.

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: U.S. BANCORP
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:
Someone added me illegally to a US Bank Credit Card account as an authorized user without my consent or knowledge. Ive reached out to US Bank countless times about this situation. On XXXX XXXX in particular, a US Bank Representative by the name of XXXX told me that she knows fraud has been going on with this account because they havent been able to contact the primary account owner for quite sometime. She said I am not responsible for the debt and that the account would be deleted off my report within 30 days from XXXX XXXX. As of XXXX the account is still showing on my report. On XXXX XXXX I contacted XXXX to file a dispute over the US Bank credit account in question and to notify them of this fraud only for a day later on XX/XX/2022, for them to tell me that my dispute has been updated and the information is staying the same. Ive tried doing the right thing but Im tired of going back and forth. This US Bank account in question is not mine, I did not authorize anyone to add me as an authorized user, this debt is not mine and it needs to be deleted immediately! This is FRAUD!

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 2016-07-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Chase Bank continues to practice unfair, deceptive, abusive acts and business practices by failing to comply with Regulation X. 

Chase Bank sent a Request for Mortgage Assistance form dated XXXX XXXX, 2016 that was received from XXXX on XXXX/XXXX/2016. The Request form was forwarded to my attorney. 
The letter stated that the forms needed to be returned by XXXX XXXX, 2016. ( 39 days prior to a foreclosure sale ) Regulation X requires servicers to maintain policies and procedures reasonably designed to achieve specific objectives that include : providing timely and accurate information ; properly evaluating loss mitigation applications ; facilitating oversight of and compliance by service providers ; and facilitating transfer of information during servicing transfers. 12 CFR 1024.38 ( a ), ( b ). 

Chase failed to provide accurate and timely information and documents in compliance with the servicing rules that provide a borrower with accurate and timely information and documents in response to the borrower 's requests for information with respect to the borrower 's mortgage loan. 

Chase continues to abuse their customers by keeping them in the dark about available options to avoid foreclosures. Chase delivered the forms and requested the return of the documents on XXXX XXXX, less than 45 days before the foreclosure sale to avoid notifying the borrower that a loss mitigation application was received and proceed with a foreclosure sale on XXXX XXXX, 2016. 

Servicing rules now require that if a servicer receives a loss mitigation application 45 days or more before a foreclosure sale, it must notify the borrower in writing within five days to acknowledge receipt of the application and whether it is complete or incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
After hearing about the recent allegations against Navient, I would like my loans verified. If they ca n't be verified, I would like them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I wanted to submit a request to have a hard inquire removed off my credit report. 
The name of the company is called Syncb a national credit card airline based in XXXX Florida. I made first contact via phone and expressed my concern with invalid information regarding me I was told by the company to dispute the claim through XXXX XXXX which lead me to Consumer Finacial Protection Bureau.

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