BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Equifax Consumer XXXX placed a charge on my credit card for {$17.00}. I called them to determine why the charge was made. I spoke to XXXX folks, in XXXX and the US to try to determine why the charge was made. I was on the phone for over two hours and transferred around the globe. In the end, they suggested, I write a letter and provide copies of my credit card billing, which contains other personal information. They were not able to help me via a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
A company informed me that I was eligible for loan discharge because the college that I graduated from closed, so I called Navient ( my loan holder ) because the other company wanted me to pay {$890.00} to help me. When I called Navient, they said that I am not eligible for any help. I explained that I have been making payments for 11 years now and have not even made a dent in my loans, and the woman on the phone said well you just have to keep paying on them. I asked if it was possible to get any kind of forgiveness or any help at all to pay them back because my degree is not usable because no one accepts my degree from XXXX. It is as if I never went to college at all, and after 11 years I am still drowning in the debt of a degree that is basically trash. I just wanted to find a way to make a dent in these payments and she did n't even want to deal with it. It is very frustrating to not be able to even get help from the company that holds my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Withing the last five days, my EQUIFAX credit scores dropped by over XXXX points in one fell swoop. I monitor all XXXX credit reporting bureaus via XXXX and other services. Neither XXXX or XXXX registered such a radical downgrading. I called EQUIFAX and spoke to an overseas representative who simply read old negative data entries without being willing to specifically share with this consumer what specific new item actually correlated to the double digit drop. In the past, I had to struggle with EQUIFAX over similar behavior. In every instance, they refused to go over the cause of any adverse action. This is unfair, arbitrary, and counter to consumer protection rules. I want the score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Information should have dropped off 7 years from the date of XXXX delinquency, instead they are dropping only one month at a time. I submitted online XXXX have this corrected and never received a response or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the list of the erroneous items reporting on my Credit Report : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2015-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. 
I am hereby filing my Complaint against XXXX banks. 
1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. 
These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. 
They have reported me to the XXXX in which I want my name removed. 
I feel im entitled to have a bank account without this hassle. 
I owe no fees 's with Citizens or XXXX XXXX XXXX. 
If i want to open somewhere else i need to get this matter resolved. 
These banks are in massachusettsSincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Cottonwood Financial Ltd.
State: ID
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time

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 2016-01-13
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with a servicer by the name of seterus, I just received a letter from an attorney claiming to be the attorney for fannie mae and seterus. I had requeste information regarding the hoa fees charged to my account. This attorney XXXX XXXX, has lied. He says they were not hoa fees, even though that is what is written on the statement. He says those are attorney fees for the attorney in some quiet title law suit. I have never received a letter from an attorney, and further that case didnt start until 5 months after these fees were charged. I want to know who the attorney on my loan truly is. I am being scammed out of my property and want answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: CFS2 Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a CFS2 trade-line on XXXX of my credit reports. These were initially disputed on XXXX XXXX, XXXX to XXXX via certified mail and XXXX on XXXX XXXX, XXXX. Each of these were verified by CFS2. 

I subsequently received letters from CFS2 dated XXXX XXXX, XXXX and XXXX XXXX, XXXX stating they did not have the necessary information to verify my account and would need 60-90 days to do this. I disputed this trade-line again with both XXXX ( XXXX XXXX, XXXX ) & XXXX ( XXXX XXXX, XXXX ) and CFS2 verified both accounts again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. 
After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. 
This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.

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 2016-06-29
Company: Works & Lentz of Tulsa, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I settled the debt with XXXX XXXX Hospital through Works & Lentz for {$1400.00} which was paid on XXXX/XXXX/16. On XXXX/XXXX/16 I received a letter from the Oklahoma Insurance Department regarding my complaint against my insurance company at the time, XXXX. In that letter dated XXXX/XXXX/16 XXXX states that they have executed a letter of agreement with XXXX XXXX for payment of the claim. 

I contacted XXXX XXXX on XX/XX/XXXX to follow up and they stated that the claim was paid on XXXX/XXXX/16 in the amount of {$1500.00} and that I would have to contact Works & Lentz regarding the overpayment as the account is no longer with their office. 

I then contacted Works & Lentz on that same day, XXXX/XXXX/16 and spoke to XXXX who stated that my account has been XXXX out and that if a payment comes in they will have to issue the refund to me. She said that they had n't received a payment from XXXX XXXX yet. 

I called XXXX XXXX again on XXXX/XXXX/16 to find out when the payment was sent to Works & Lentz and was told by XXXX that the payment had been forwarded to Works & Lentz on XXXX/XXXX/16. I called Works & Lentz back and spoke to XXXX XXXX regarding the overpayment. She could n't find my account even after I provided the account number as if my account no longer existed. She said that she would send the information to management to review but that she could n't guarantee anyone would call me back. 

I am due a refund in the amount of {$1400.00} in a timely fashion but instead I am getting the run around from all involved.

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 2016-06-07
Company: Account Management Resources
State: OK
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:
The collector sent a demand letter on XXXX XXXX, XXXX requesting payment for a utility bill. A response was sent on XXXX XXXX, XXXX requesting more information regarding the debt ( such as verification ), and there has been no response. Failure to respond with reasonable documentation is an abusive and unfair practice barred by 15 USC 1692. 
Failing to respond to a good faith attempt by a debtor to confirm the validity of a debt leaves a debtor in an confusing state of limbo where he is uncertain of what further actions to take. He is unable to determine if he should continue to attempt to resolve the alleged debt or assume it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-01-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An unknown person opened a landline account in XXXX with XXXX XXXX XXXX in 2003 under my maiden name. They in turn let the account go into collections. I never opened an account with XXXX XXXX XXXX. I was stationed in XXXX during this period. XXXX was happy to opened an account for this individual without verifying their identity. Now I have to pay for this collection and this damages my credit history. I called the collection company acting on their behalf, Convergent Outsourcing , Inc. about this matter. We told them over the phone that we did not open this account, we did not live in XXXX in 2003. I was in the military living in XXXX, XXXX. They told me that I still owed money because my maiden name was on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son XXXX XXXX XXXX XX/XX/XXXX was hospitalized a few months ago and my ex husband XXXX XXXX XXXX signed as the guarantor with his ss # for XXXX. Optimum Outcomes Inc has called me and harassed me for the debt when I explained they have my name and his address. In no way did I sign any papers taking responsibility. XXXX took him to the hospital and signed. I only was on the chart as emergency contact from his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A Debt Collection agency began to insistingly calling me from about three months ago. When I spoke with a representative, I informed him that I denied any debt and they should stop calling me. They continued calling and leaving messages on my answering machine. I called again and left a long message detailing my identity and prompted to denounce then if they did n't stop harassing me. On another occasion one of the agency 's employee tried to secure my address info by lying being needed by the XXXX company. Although I immediately hung-up the phone they continued to leave messages on my answering machine. At one point I began to doubt if this was a scam to get some vital info from me, since they always asked me to tell them my 4 last digits of my SS card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX I applied for a high yield savings account with Synchrony Bank. After I completed the application, I received a message stating my application is being processed and someone will be in touch with me within 3 business days. They have my phone number and email address, but they have chosen to treat me like a fraudster. Let me ask you this : who is lending to whom here? What is your worry here? What risk does a wealthy individual like me pose to you by lending you money?

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 2016-12-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
A couple of months ago I had fraudulent activity in my bank account which in result forced me to change banking acct. numbers. This was of course a headache by having to change recurring credit card payments with my new account. A day before this happen a payment already had processed to be paid which was a recurring payment for Walmart/ Synchrony bank. I quickly tried to contact customer service to informed them of what happen. The customer service rep. advised me to send in a copy of the bank report concerning the theft in my account, which I did and that they would honor that. I quickly went into change the recurring payment and cancel out the old bank account number, and made a payment right after to clear up the payment that was returned. Obviously the next payment was due, the system was still set on recurring payment of the old banking acct. number, ( which I changed ) which cause the payment to be returned again. Walmart/Synchrony bank closed my account. I begged and pleaded with them by chat and writing letters to the president to please not close my account. I explained that I have been faithful of my payments due ever month until this tragedy happen. This was not my fault, I see if I was a person that did this on purpose, but that was not the case. I understand that a lot of consumers have complained about the same situation that I am going through. I have other credit cards with Synchrony bank and they did not give me this problem like the Walmart account. What is the problem? I sent in evidence, I tried to correct the payments and they still closed my account. Something needs to be done!!!!! I understand they have rules, but my situation did not apply to the rules and had evidence which should have been waived.This is not right!! And I am not going to give up fighting!

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