BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My husband was unemployed for two and a half years. I was unable to pay credit card bills at the time. Paying mortgage and providing food for my family was the priority. I offered to make payment arrangements but, what they were requesting was in excess of {$200.00} per month which I explained was n't affordable as I was the only one working in a household of XXXX people. This company sought legal action, put a lien on my house and froze my bank account. They debited amounts of a little over XXXX and XXXX XXXX dollars on two occasions and put a freeze on the same amount twice. I had to go to the bank on several occasions and take time off of work to resolve this error over the course of more than one week. The funds they debited were my mortgage funds which put me further in arrears and caused me extreme financial hardship. I contacted them regarding a settlement on a few occasions and they refuse stating since they have a lien on my house so they do n't have to make a settlement arrangement. They are also unwilling to set up a reasonable payment arrangement. I am going to be out of work soon as my company lost their contract and I explained this to them. They are unrelenting and uncooperative.

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 2015-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
i requested all XXXX reports from XXXX website, XXXX & XXXX provided access to their reports but Trans Union did not. Trans union stated I would need to apply for it via U.S. mail & would receive it in 2 to 3 weeks so I did and waited for my report to come, instead of a report Trans Union sent me a form asking for everything but my DNA. Now it 's been a few weeks and I still do n't have my report. Trans Union is making what should be a simple process very difficult and time consuming.

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 2015-05-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX Husband & Wife We have done a refiance on our home to lower our interest rate through XXXX mortgage but we can not get the loan closed because on XXXX XXXX, 2007 we took out a second mortgage through Green Tree mortgage in the amount of {$55000.00} and on XXXX XXXX, 2007 this mortgage was recorded twice in the same day showing two mortgage instead of XXXX XXXX mortgage and my wife and I have contacted green tree to have this done and all we are getting is the run around every thing that they have asked us to do paper work wise we have done but no one will get back to us we have left messages and still no response from Green Tree so any help that you give us will be appreciated I am living on a fix income and need the help also I am XXXX and trying to get my affairs in order so my wife will not have to suffer when I am gone. I have had XXXX I do not know what green tree reason for doing us like this but it is not right they are the one who recorded these two loans. 

Thank you XXXX XXXX XXXX XXXX Ps. Greentree account # is XXXX and my contact # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Convergent Resources, Inc.
State: TX
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:
a so call Convergent collection agenct is sending me letters stated that I own money to a account i never open.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I married my wife and took all the proper documents down to child support agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/16, Citibank charged ( and debited my checking account ) a low balance fee and overdraft fee totaling {$59.00} on a savings account with a {$0.00} balance that I requested to be closed. I had requested the account be closed in XXXX or XXXX 2016. I had the same problem on XXXX/XXXX/16 when Citibank charged the same {$59.00} low balance fee and overdraft fee. I was able to get the XXXX fees reimbursed after a long phone call that had to escalate to a manager. No fees should have been charged as I have now requested this account to be closed twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's fraud department contacted me in XXXX to verify certain suspicious online purchases made using my Macy 's credit card information. I disputed the purchases and subsequently submitted a written statement to the fraud department. The investigation is ongoing. Nevertheless, Macy 's submitted delinquent payment information to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XXXX XXXX, 2016, TransUnion Credit Reporting Agency lowered my credit score by XXXX points because I paid off XXXX ( XXXX ) creditors as promised and according to the payment schedule established. The payments I made were final payments. TransUnion found fault with this and penalized me by lowering my credit score. Their action will cost me higher fees for credit. I did not receive any satisfaction over the phone. I filed a complaint with the XXXX ( case number above ) and TransUnion responded to the XXXX and sent me a copy of their response. TransUnion did not address my complaint, instead, they informed the XXXX of the hundreds of scoring models they use to reach a conclusion. I then submitted a complaint to Congressman XXXX XXXX ' office and they were not able to help. Consumers are expected to pay their bills on time. This is the American way. I should not have to suffer penalty when I pay my bills as promised. TransUnion must restore the damage they did to my credit score when they lowered it after I paid off XXXX of my bills. When TransUnion opinions that by paying off bills that consumers reduce available credit, they have to consider that car notes and furniture credit have a termination date. Paying them off should earn consumers praise rather than penalty.

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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX 2016 all my inquiries was removed from my credit report when I reviewed my report today the have reappeared. I was never giving proper documentation that they was reinsert.

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 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I became aware someone stole my identity and was opening credit cards I did n't apply for in my name. I called Transunion and placed a fraud alert on my credit file. I then tried to obtain a copy of my credit report from Transunion ( through the " www.annualcreditreport.com '' website ). Transunion has blocked or " masked, '' as they say, my social security number, and will not allow me to access my credit report. After numerous hours on the phone with Transunion phone reps, they acknowledge the problem but Transunion refuses to correct it despite my numerous requests. As I have explained to them, I need to check the credit report to make sure there is no other unauthorized activity. All the Transunion reps have done is transfer me back and forth among three numbers ( XXXX, XXXX, and XXXX ) but none of them have helped me access my credit report or provided a solution to Transunion 's acknowledge problem. I am out of options with Transunion. Maybe the FTC can get them to do something before my credit is ruined? Maybe they 'll listen to the federal government, they sure do n't give a darn about consumers. Thanks for any help you can provide.

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 2017-03-03
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I was XXXX, I had to go on XXXX leave. I called Navient to tell them I had a XXXX and had to go without pay for 20 weeks. They told me they would put my account in forbearance until I could return to work after XX/XX/XXXX. When I called them months later they said my account was past due and I could again, apply for forbearance due to financial hardship and it would show that I was paid up to date. at that time, I set up for automatic withdraw as my sign in on their website never seemed to work. Fast forward a few months, I landed a new job and decided now is the time to buy a house. However, that 's when I found out that Navient reported my account as default on all XXXX small loans for 5 months causing so much damage to my credit that I can no longer buy a home. I wrote them a letter explaining this and they refused to help me. I 've called several times and they refused to help me. They have refused to let me speak to a student loan advocate as well. I also filed a complaint to the Omsbudman that was of no help because they did not seem to understand that I was told one thing and another thing happened. What really upsets me is that I 've never paid on my student loan until XX/XX/XXXX. I always go in forbearance due to the fact that I was a single working mom. When I went in forbearance all those years, my payment history is shown as paid. Again, I never paid on my student loan since I graduated in XX/XX/XXXX until XX/XX/XXXX! And not until this last time did they ruin my credit. I am now making enough money to pay my loans and buy a home for my family. I have no paperwork of these transactions because they do not provide me with any- EVER! It is recorded answers. I wrote a letter of good will practically begging them to investigate and stick to what they told me. They sent me a generic canned letter saying my payments were missed. Nothing was written about what they agreed to do. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card
Issue: Bankruptcy

Complaint:
XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
Wells Fargo and a group called XXXX keep charging my account when I have asked them not to. It has gotten to the point that Wells Fargo says call XXXX. XXXX says to cancel the service, a service I only wanted to for six months ( it was useless - not one lead ) that XXXX says I need to pay them {$240.00} to cancel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I received credit information regarding a background screening results for pre-employment. XXXX Mortgage XXXX has placed on my credit report that I have a XXXX lien mortgage agreement with them. XXXX indicates on my credit report that I opened an account with them on XXXX/XXXX/XXXX. I DID NOT sign a XXXX lien mortgage agreement with them. According to XXXX I have a XXXX lien mortgage that totaled {$90000.00} and I have a balance of {$62000.00} and I owe a past due amount of {$28000.00}. On my credit report XXXX indicates that in the prior 15 months I was 120 days late XXXX times. ( Due the math ). XXXX indicates on my credit report that I signed a XXXX lien mortgage to pay them {$680.00} for 120 months ( 10 yrs ). According to the credit report, I stopped making payments from XXXX XXXX so as a result it looks like I have made regular payments of {$680.00} for the past 12 yrs ( XXXX/XXXX/XXXX ) which totals my payments to XXXX to be {$99000.00}. Which I haveNOT. XXXX reports on my credit report that I stopped making payments as of XXXX XXXX. Since this was my last payment with XXXX I would like to review any payment records and my cancelled checks up to XXXX XXXX. According to XXXX as of XXXX/XXXX/XXXX I am 120 days past due. I had a XXXX lien mortgage with XXXX in XXXX on XXXX address and I had a XXXX lien mortgage with XXXX XXXX in XXXX on another address. XXXX resulted in foreclosures in XXXX and XXXX. In my opinion, I believe XXXX XXXX would not have allowed me to purchase another home in XXXX with a XXXX lien mortgage on my credit report with XXXX. At the time of that XXXX purchase I had a credit score of XXXX. Please investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion will not give me my FREE credit report! They want to charge me for it and have me sign up for something I do not want!!! I NEED my report NOW ... not in 15 days. I want it online. What am I suppose to do to get it?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Incorrect information is being reported on my credit report, all medical information is private and reporting my medical information is against my HIPPA rights and is a direct violation of such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a notice in the mail yesterday saying they are going to garnish my wadges and collect any money I am getting back from my taxes or Government. I never recieved any other letters prior to this. No one tried to get ahold of me or anything before this letter. It is unfair and I could have set up a payment plan before all this happened. I called them and they said they will take all our taxes unless we pay the total amount right now.

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 2015-06-20
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Premier Credit of XXXX XXXX placed a levy on my bank account on behalf of the XXXX. On XXXX/XXXX/15 I called the XXXX on the situation and they recalled the levy and sent notification to Premier which should have lifted the levy on my bank account. I called Premier on XXXX/XXXX/15 to confirm they received the notice and they said they had not. I then called the XXXX on the matter and again they confirm they sent the notification. I then called Premier and they again said they had not received the notification. I made a total of XXXX calls to the XXXX and Premier and over and over again the XXXX confirmed this as a result of looking into their data base which the employee used to send the notification. I also made XXXX calls to Premier and leaving my number for the manager XXXX XXXX to call me back. this was about XXXX. I waited till XXXX on his call to help with the mater which I called him at XXXX. Premier has refused to look into the matter to resolve the issue. Make take on that is they are lying about the matter so they can get the levy and receive the fee. Why would the XXXX make such a story up or lie on the matter!

Company response to consumer: Closed with explanation