BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: FL
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 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 an 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 2019-12-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since loan inception I do not believe the companies of the loans were incorrectly applying the full federal interest subsidy and the 50 % unpaid interest subsidy thus capitalizing a higher amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: CITIBANK, N.A.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the last few months I have noticed a tricky/sneaky change done to the way payments are processed. Citi has two date " cut-off 's '' - one is the date which the minimum payment is due, and then the other one is the date which is considered the close of the statement ( i.e. interest, fees, etc. are calculated & a new statement begins the following business day ). These two dates are normally separated by 2-3 business days. 

I normally pay the minimum payment immediately after receiving my new statement. Then I like to pay off the card in full prior to the close of the statement, that way I avoid being hit with interest charges. In the past I was able to schedule the payment any day except the final " close of statement '' date. However, lately they have prevented me from paying anything between the " minimum payment due date '' and the " close of statement '' date. They also are taking longer to process payments to shops, etc. ... all of this has the effect of essentially locking me out from paying off the card in full as I am unable to pay anything that is not " posted '' ( i.e. pending/processing charges can not be paid ) at least a two or three days prior to the minimum payment date. This means that I basically have a full 1 week window in which I can not charge anything to my card if I want to ensure I get a XXXX balance going into the next period. 

This is NOT business as usual. It is a change which occurred within the last several months. Prior that time, payments to shops would be processed & cleared within 1 day and payments could be made any date except the final " statement closing '' date. 

I wanted to send an email to Citi regarding this scam/issue but the website has removed the possibility to send messages and instead requests only that you " chat '' or call on the phone. I assume this is to limit the paper trail which could be used in a court of law. 

I am hopeful that something can be done to correct this abuse & 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 2017-06-06
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I had a fraudulent charge on my credit card by a gas station in the amount of {$150.00} on  XX/XX/XXXX and a  XXXX  transaction in the amount of {$1000.00} on  XX/XX/XXXX . We had not taken notice of these charges when they occurred and it was brought to my attention when I printed out the annual report for the credit card in late  XX/XX/XXXX . We paid the credit card at the time because we have another credit card with this company and we owed just about the same amount and the confusion of paying this credit card occurred because we thought we were paying the other credit card. I contacted the credit card company and they immediately deactivated my credit card. It took a few weeks before I heard back from them indicating that they were unable to help us out by returning our money because we have had the same address and we received our bill. I told them that we oversaw the charges thinking we were paying our other credit card from them. They just insisted that they could n't help us. They have a whole fraud department and they were not able to help us get our money back???? Are n't they supposed to catch these type of transactions? I contacted the gas station and spoke with t he manager an d she stated that the gas station would red flag any charges above {$300.00} because that exceeds a normal transaction charge. They said they would n't be able to help us out because I was contacting them in  XX/XX/XXXX  and the fraudulent transactions had occurred in  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 explanation
Consumer complaint received 2019-12-07
Company: Experian Information Solutions Inc.
State: MI
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:
checked my credit and noticed and 1 account that does not belong to me and multiple inquiries. 

XXXX/XXXX XXXX XXXX / date opened XX/XX/XXXX XXXX AMOUNT {$6800.00} UN AUTHORIZED INQUIRIES XXXX XXXX   XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XX/XX/XXXX Automotive Finance XXXX XX/XX/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 2019-12-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland funding llc, purchased a receivable from XXXX that defaulted in XX/XX/2012. I had tried to negotiate with XXXX after my home was damaged in Hurricane Sandy but they would not accept a payout. Midland also shared personal financial information with family in their illegal attempts to collect. I want this off my credit reports, its more than 7 years since default!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  X/X/17    I called portfolio recovery associates @  XXXX  regarding a debt that they purchased from   XXXX    XXXX  and spoke with  XXXX   XXXX . I stated that in no form or fashion that I am admitting to the debt that is trying to be collected, I am simply trying to make a settlement payment and not payment arrangements because it is not my debt but being reported on my credit report. The operations manager sta ted (   XXXX   XXXX   ) t hat this debt is in a non-collection status because it was being disputed. He stated that in order for me to make a one time settlement payment I had to state that " I was not disputing this debt ''. I stated on a recorded line that " I am not admitting to this debt in no form or fashion and I am simply stating that I am willing to make a good faith payment for the account that is not mines to be removed ''. He said okay lets make this a " win win situation '' so that it can be taken care of. He stated that the settlement amount would be {$420.00} and came back on the line and said what portfolio recovery purchased the debt for and {$680.00} on a debt of {$790.00} that is not mine. Even though portfolio recovery associates purchased the debt from   XXXX     XXXX , when I contacted  XXXX   XXXX  they stated I do not ow the debt to them. I have nothing to do with this company purchase,  XXXX   XXXX  stated I do not owe the debt to them so I am disputing the debt with this company as debt that is not mines. This debt can not be validated with copies of statements there is NO CONTRACT/ AGREEMENT with portfolio recovery associates FOR THE AMOUNT BEING STATED THAT IS OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
We are in the processing of taking out a home loan for a customer. On  XXXX / XXXX / XXXX , our customers credit was pulled and there was a collection company listed on their credit report that should n't be listed. On all  XXXX  bureaus, the account is showing as being disputed. On  XXXX   XXXX ,  XXXX , an attorney had sent a cease and desist to the collection company as this account had no legal bearing being placed on the customers credit report as well as filing a dispute to all  XXXX  bureaus.     On  XXXX   XXXX ,  XXXX , the customer contacted  XXXX , Experian and   XXXX   to ask them when the account was placed in dispute. Each bureau stated that the account was not in dispute or never in dispute. The customer then asked when such comments were placed on her credit file and was told they do not have that information.     This collection account is affecting the customer ability to secure financing.

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 2019-02-02
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX at roughly XXXX XXXX I deposited {$320.00} into a XXXX XXXX XXXX XXXX XXXX atm, which is listed as a co-OP of Navy federal credit union. The machine stated that this transaction can not be completed at this time. It then returned my card, but it kept my money. I immediately called Navy Federal to file a report. They informed me that they would initiate an investigation which could take 45 days to complete, but also that in 10 days a provisional credit would be given to my account. I also went to XXXX XXXX XXXX the very next morning to see if they would take action, however I was told that since I didn't have an account with them I had to file a claim with NFCU. Finally on XX/XX/XXXX the provisional credit was credited to my account only to be reversed 4 days later. Upon there investigation, Navy federal says that XXXX XXXX  XXXX claims there was no overages on that day. I would like them to pull the video surveillance from that evening. Furthermore I would like to know if that atm had been serviced shortly after my deposit. I am livid at this point and I keep thinking about what if it were a larger deposit. I don't think Navy Federal did all they could do to get to the bottom of this and I am considering switching to another credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXXXXXX and XXXX XXXXXXXX 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 an 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 non-monetary relief
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, due to Hurricane Maria 's, Chase Mortgage offer a Forbearance plan to us stating that our monthly payment could be stop for a period of 6 months and such payments would be place at back of loan in order to help hurricane affected areas to repair any damages due to the storm. In XX/XX/XXXX I called in to pay my XX/XX/XXXX mortgage payment. I asked the status in reference to the letter stating that the 6 months payment will be applied at the back of the loan. I was then informed that in XX/XX/XXXX, I was not qualified for the Forbearance plan due to the type of loan that I have. I never received a call nor a letter from Chase informing me that I was denied. I was then told if I don't pay the 6 months mortgage payment, I would be in default on my loan, which is over 13,000.00.  Chase at all time had knowledge of my loan type and still misinformed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase mortgage is not waiving PMI when my loan is coming down to 80 %. No they say I need to pay {$400.00} for appraisal and then the loan value should be 70 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Prime Recovery LLC
State: TN
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:
I received an email from Prime Recovery LLC asking for employment and location information, which appears to be fraudulent or scam in nature. When I called to inquire about this email and the details of this matter, I was rudely addressed, the representative refused to provide information about this debt, I was told to pay a certain amount or be sued, then hung up on. I have since sent a USPS certified ( signature required ) letter to the address : XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX, asking for validation/verification of this debt, as this debt does not belong to me and I have no business tied to this company. I have not received the validation/verification requested ). I called a second time to inquire about this debt and I was again talked over, was told that they do not have to validate/verify anything, that I will be sued and that I need to stop researching the internet about verification/validation of debt. I spoke to someone named XXXX, who made this statement and another man that I was transferred to when I gave the file number listed in the email ( both men were abusively rude ). The representatives at this collection agency will not provide any information regarding this debt they say I owe, are extremely rude and unprofessional. I am asking that this collection agency stop the pursuit of this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: Westlake Services, LLC
State: TX
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/2019 I MADE AN ATTEMPT TO CONTACT WEST LAKE FINANCIAL SERVICES REGARDING AN ACTION TAKEN ON AN ACCOUNT. IT IS TO MY KNOWLEDGE I WAS NEVER NOTIFIED ABOUT THE INVESTIGATION AND I AM A CO-SIGNER ON THE ACCOUNT. WHILE TRYING TO GET INFORMATION REGARDING THE INVESTIGATION I WAS ASKED PERSONAL QUESTIONS OVER THE PHONE SUCH AS MY LAST FOUR NUMBERS OF MY SOCIAL SECURITY AND MY DATE OF BIRTH. I FELT VERY UNCOMFORTABLE IN ANSWERING THOSE QUESTIONS SINCE I WAS NOT FACE TO FACE OF THE PERSON ASKING THE QUESTIONS. THE FIRST PERSON I SPOKE WITH WAS XXXX WITH THE CUSTOMER SERVICE DEPARTMENT. I ASKED TO FURTHER SPEAK TO A MANAGER IN THE WEST LAKE FINANCIAL SERVICES DEPARTMENT AND SHE CONNECT ME TO A SUPPORT PERSONNEL MANAGER NAMED XXXX XXXX. THIS LADY WAS A REAL TRIP. MY CREDIT REPORT HAS THESES PEOPLE NAME LISTED WITH ME BEING RESPONSIBLE FOR PAYMENT IF THE PERSON THAT PURCHASED THE VEHICLE DO NOT PAY, BUT DID NOT WANT TO DISCUSS WITH ME ANY INFORMATION UNLESS I GAVE MY PERSONAL INFORMATION OVER THE PHONE. JUST EARLIER THIS MONTH WEST LAKE SENT  DOCUMENTS TO MU EMAIL ADDRESS FOR MY SIGNATURE ELECTRONICALLY WITH ASKING ME FOR PERSONAL INFORMATION. WEST LAKE HAS IN THE PAST NOTIFIED ME OF THE ACCOUNT BEING LATE, BY US MAIL, BUT STATED THEY NEEDED MY PERSONAL  INFORMATION. WHEN USING POSTAL MAIL ANYONE CAN OBTAIN THE MAIL AND GET A PERSON PERSONAL INFORMATION. SINCE THE US POSTAL SERVICE IS CHEAP, WEST LAKE DON'T SEE THAT AS A POTENTIAL THREAT. I WAS NEVER NOTIFIED ABOUT SERIOUS ACTION BEING TAKEN AGAINST THE ACCOUNT, BUT WOULD MAKE ME A VICTIM BY PLACING A NEGATIVE MARK ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
See original complaint  XXXX  about MUFG UNION BANK , NATIONAL ASSOCIATION.     The company respond ed with a letter advising me to go to the California State Controller 's Office Website for mor e information about the escheatment process.     I told them this was unacceptable, on  XXXX / XXXX / 17 , and they have not responded.

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 2021-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is trying to collect approx. {$8000.00} from me and is reporting to the credit bureaus incorrectly. This company has already sold the vehicle and collected the full amount of vehicle. They told me I had to pay approx. {$1000.00}, but they are billing me and reporting to the credit bureaus stating I owe them approx. {$8000.00}. They are telling me one thing and billing me for another. By law they cant collect the full amount of the vehicle if they already sold the vehicle for the full amount. I spoke to an attorney regarding this issue. I understand I owe about 4 months of payments, but I refuse and will not pay {$8000.00}. They are ruining my credit for a car they already got paid for which is illegal.

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 2019-12-07
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company continues to Bill me for escrow payments. I followed their requests for written and signed letters requesting them to stop billing me for escrow payments.. the service department has verified that they have received the requested documentation from me but they continue to send me they same form letter. Working to gather the requested information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX  PLEASE UP DATE MY PHONE MUMBER :  XXXX  I C  SYSTEM INC   XXXX  AND I C SYSTEM INC  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale  or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.    I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from iden tity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.     The reference items are listed below please take this matter very serious I C  SYSTEM INC   XXXX  AND I  C SYSTEM INC   XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in th e U.S. District Court for  the  XXXX   District of  Califo rnia Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SOC SEC #  XXXX  DOB  XX/XX/XXXX    ADDRESS  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation