BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: WA
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:
Our mortgage banker ran a credit report on XX/XX/22 on both my husband and myself and EQUIFAX shared our information without our knowledge. We started receiving calls on XX/XX/22 from " mortgage lenders ''. Some of these calls were menacing in nature. We were told by 2 of marketers that the information came from EQUIFAX. There were so many calls that my husband wasn't able to work using his cell phone. We called our mortgage lender and were told that they did not sell our information. We then called EQUIFAX on XX/XX/22 and they denied any wrongdoing. Again, two of the " lenders '' that called, told us they got our information from EQUIFAX as potential " leads ''. These calls have been extremely disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: MOHELA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to get an application completed for the TPSLF program since XX/XX/2021. When the loan was recently transferred to Mohela, issues are not getting resolved and I am not able to communicate with them at all. They now have even stopped the email message option through their website- but their letters and updates aren't correct. They state they will get back to you in 10 days and its been well over 30. I also have to wait well over 5 hours to get anyone on the line and they usually know nothing so then I have to wait ANOTHER hour for a supervisor who then will provide the same lame excuses and blame the department of education. This is ridiculous- I have been a state employee for 12 years, there is no question I meet the requirements. Also, I have paid on my loans on time for 20 years!!! 

I have done everything MOHELA has asked, I even reapplied like they stated I needed to. There are still payments not being counted correctly and they are not processing any of our paperwork. They refuse to do anything with these payments other than blame the Dept. of Education and I get stuck in the loop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX have violated my rights. 


15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MI
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:
I have filed numerous complaints against Equifax, XXXX and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has XXXX  obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  and XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all XXXXredit Reporting agencies shouls be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called GC services has contacted both my son and my father saying that they're filing a claim against me in XXXX XXXX XXXX. They started calling me 4 times a day on Monday, XX/XX/XXXX. I have received nothing in the mail, there is nothing on my credit report. I have no idea who this company is, much less why they would be filing suit, or why they would be harassing me and contacting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.

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 2022-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have contacted Capital One Bank about a claim for XXXX XXXX. I sent them all the. 
supporting documents needed and I did not receive a provisional credit and I had to submit the claim more than once. It was denied and I was told to deal with the merchant. I am disappointed with the service and would like my reinbursement of XXXX from XX/XX/2021. Also i submitted my first claim 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried a third time today. Company refuses to open the account or explain why they won't. 

The CFPB refuses to take my complaint and read it. 

Proof that no one has ever read my complaint is that no one will respond to it. 

If a real live person has read this, please write me at XXXX. 

I am a former State Representative. I shouldn't have to call in political favors to find out why a bank rejected my application. This doesn't require a Congressional hearing. I merely want to know either : 1 ) why they won't open the bank account ; or 2 ) Failing that, I want the CFPB to tell me whether or not you consider yourself to have the authority to investigate this matter. If you don't, please give me the statute or regulation that prevents you from helping consumers find out the reason a bank account wasn't opened. 

As it is, I am 99 % confident no one ever reads these complaints and you never do anything. But if I'm wrong, prove it. Please respond to be at my email address. 

If you're overworked and unable to respond to most consumer complaints, you can let me know that as well. I think the public has a right to know if the CFPB is able to do its job or lacks resources to do so. Maybe I can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My XXXX/XXXX XXXX XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by 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 2022-12-28
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I replied to a XXXX ad for hay for my horses. After several messages between us, I agreed to buy hay from them. We agreed to a price and delivery time. 
I sent the payment by Zelle to them & they confirmed my order. The order was supposed to be delivered at XXXX XXXX  the next day ( XX/XX/2022 ). After XXXX XXXXXXXX I attempted to find out where the driver was with my hay ; they messaged back, " My driver is heading there. '' At XXXX XXXX, I messaged again and got an automated response, " hi, thanks for contacting us. We've received your message and appreciate you reaching out. '' This morning I messaged requesting a refund and have had no response. 

All the conversations, including the Zelle payment, were through my XXXX XXXX XXXX & XXXX account ( XXXXXXXX XXXX XXXX  ) I have called my credit union & they have stated there are no refunds for Zelle. It is " treated as a cash payment. '' and " you are out the money. '' I reported the ad and the admin for the page to XXXX. 
I have called law enforcement in XXXX, AZ. 
I have reached out to Zelle directly, reporting the scam/fraud. 
I am also filing a report with the FTC XXXX FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 servicer has elected to choose the budget that was tentative which is relating to the XXXX XXXX program with the XXXX XXXXXXXX XXXX. Nelnet has deliberately refused to review all the paperwork despite their XXXX  agent advises me that they would only adjust the excess that was relating to room and board. I have attached the confirmed budget that shows I was billed for room and board between XXXX budget financial year. Why is Nelnet is being deceptive and failed to do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Convergent Resources, Inc.
State: TX
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:
In Accordance with the fair credit reporting act convergent account number has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-25
Company: Harley Davidson Financial Services Inc
State: IN
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:
On XX/XX/2022, I noticed that Harley Davidson opened a closed account in Charge-off status. I made a phone call on XX/XX/2022, the person stated that they opened the account with it in dispute. They are also showing that I have a monthly payment. I did attempt to make a settlement payment of {$800.00}. The person stated that Harley Davidson would not take the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When looking at my credit report I noticed a collections account that needed to be resolved. There was no name to the company on either 3 of the credit bureaus websites. Just a phone number and a balanced that was owed. I had to look up the company 's information by phone number. I have reached out on XX/XX/2022, at XXXX and spoke with XXXX XXXX requesting more information on this charge off account. Nothing was provided. I also Spoke with a representative named XXXX on XX/XX/2022, at XXXX XXXX and requested more information, at that point nothing was still provided to me regarding the account. This would be the second time I have requested information and have yet to receive any documentation. I also have sent in a Verification Letter on XX/XX/XXXX at XXXX XXXX Tracking number ( XXXX ) The company received the letter XX/XX/2022 at XXXX XXXX On this day XX/XX/2022, I have yet to receive any validation and proof of this debt this company has stated that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Spoken with Chase representatives the night of XXXX, They asked me if I would like a new card I declined stating that the issue has been handled and that they should not make any actions on my account. On the morning of XXXX I was informed that Chase has went against my request and deleted my accounts and card information in the process of doing so they are currently garnishing funds from the state and my job and isn't allowing me to have access to my fund or distributing these fund to me at all. I am currently going through financial hardship and have made they knowledgable about this months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage is forcing me to pay over {$17000.00} in 12 monthly installments due to a shortage in the escrow account brought about by the XXXX XXXX tax bill that amounted to {$5000.00} and was paid in this summer. In the next 12 months I will only owe {$7000.00} for Principal & Interest, escrow payment, PMI and home insurance. Although I disagree with the {$5000.00} tax bill that Rocket paid, I can submit to repaying this over the next 12 months. My disagreement with the taxes is based on the fact that I am XXXX XXXX XXXX and I have sent Rocket proof that I have XXXX XXXX and Senior CItizen 's Tax Exemptions. My issue primarily is with Rocket 's projected taxes in XX/XX/2023 and XX/XX/2023 totaling {$5000.00}. They are ignoring my exemptions. Last week, Rocket called and informed me that if I can get them the exact amount of my next tax bills that they would again review the escrow account statement. This would lower the {$1400.00} a month that they are requiring me to pay them to settle the escrow shortage. It is not possible to get the exact tax bill amount until the tax bills come out in the spring. My tax bills were estimated by Rocket to be less than XXXX XXXX XXXX and that is within reason for a senior citizen in XXXX XXXX. Waiting for an adjustment is causing a severe hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern When I bought my vehicle 2017 for {$17000.00}. I verified my income and purchased the car with down payment. I never missed a car payment and I was wrongfully accused of not making my car payment when I had a job my checks were direct deposit and then when I retired I had my pension checks also direct deposited so I would never mis a car payment. They falsified my documents and closed my account so they took my car without any notice or any final warning to pay or loose the car. I was not notified in any way. When I finally got a new car they showed on my credit report I have not missed a car payment. They took the car when they shouldnt have. Please help return my car.

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 2022-04-25
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
my account was hacked PNC, in XXXX, I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues XXXX and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: CITIBANK, N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2022, I transferred my Citi XXXX XXXX Account in the amount of {$21000.00} into my XXXX XXXX Citi Bank Credit/Debit card to purchase a new car. I later was told that the car dealership would not accept payment by debit card, so I transferred the balance to my local checking account. I was told it would take 3-5 days.Five days later, I called to see why my money had not been transferred to my checking account ; I was told the refund hadn't been approved. On XX/XX/XXXX, a letter was drafted by Citi Bank saying it would be 10-14 days for my refund. I have called innumerable times, I have been hung up on, stonewalled ; I asked to speak with a supervisor twice and finally a supervisor on XX/XX/XXXX that he would move my request to the front of the queue and I should receive my refund by the end of XXXX. This experience has been frustrating, embarrassing, and an emotional drain on my old body. It should NEVER take this long to get my money back.

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