BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-10-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today, XX/XX/XXXX, I received yet another phone call from this company Convergent Outsourcing. They are looking for a XXXX XXXX. When the phone calls started happening XX/XX/XXXX, I told them that XXXX XXXX does not have this phone number and has not had this phone number for quite some time as I have had this phone number for over a year. I do not know a XXXX XXXX, told them that and to take my number off of their list. They said they would remove my number from their list. According to my phone logs, I have received a call from them XXXX ( twice ) ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and again today XX/XX/XXXX. Today, I told them again what I told them at the beginning of the month - XXXX XXXX does not have this number and to take this number off of their list. 

Further, I am on the Do Not Call list and do not have an established business relationship with them so there is absolutely no reason for them to call me. It's a huge problem because if I am on another call when that number calls me, it hangs up on the other person and I have already told this uninvited number to stop calling me. It has become a form of harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive just reviewed my credit report and I noticed there is an account on my report that is NOT MINE. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for XXXX  's reporting services could fax, mail, or email in a fraudulent account. 

The account from XXXX XXXX XXXX XXXX is NOT MINE. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for XXXX XXXX XXXX XXXX. 

Your decision to post this invalid account on my credit report, as well as your failure to positively verify this erroneous account has hurt my ability to obtain credit. 

This is not only inaccurate and invalid, but it's unlawful and ILLEGAL. Under the FCRA, unverified accounts must be removed. 

If you are unable to provide me a copy of verifiable proof, you must remove the erroneous, inaccurate, unverified, invalid account listed below : Creditor/Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Status/Provide Physical Proof : XXXX XXXX ( NOT MINE ) I demand the above account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a boat loan with GE MB Lending which I took out in XXXX and made the last payment on XX/XX/XXXX. 

GE Money Bank became Sychrony Bank in XXXX. 

I have been asking Synchrony Bank for a lien release since XX/XX/XXXX. 

I have gotten many excuses, including that they can not get into the old system and they don't know when or if they will be able to. 

It is even on my credit report that the loan was paid. 

This is unacceptable! I NEED the lien release!

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 2016-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Barclayscard Arrival + Mastercard. I use this card for one exclusive purpose ; it provides travel cancellation and interruption insurance. Barclays advertised this point as a marketing tool to get consumers to sign up for the card. The insurance benefit is {$5000.00} for a trip. Based on Barclays prior reputation, I trusted them to honor and to have this benefit for piece of mind. 

When I went to file a travel claim based on XXXX XXXX filing bankruptcy and getting stuck with {$600.00} of cancellation fees that were not reimbursed to my Barclays card, I submitted a claim only to have it declined. 

I have since appealed and I have not heard back from anyone acknowledging the appeal or the fact that I disagree with the decision. 

I find the insurance benefit to be very deceptive, unfair and misleading. I provided a valid explanation along with extensive support documentation for this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
TRANSUNION XXXX NEVER LATE XXXX XXXX NEVER LATE XXXX  XXXX HOME LOANS NEVET LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it may concern I am appealing the following accounts ( See attachment ). 
As of XX/XX/XXXX I noticed on my credit report I have student loans from Navient on my credit report reflecting in a negative way. Navient was involved in a lawsuit back in XXXX XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report. 
The loan was sold and transferred to XXXX  XXXX XXXX XXXX XXXX XXXX. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. 
There are four different accounts listed on my credit report from XXXX  XXXX XXXX XXXX XXXX XXXX which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. ( See attachment below ) Please help. I look forward to hearing from you along with having this matter resolved. 


Thank you for your service Respectively Yours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 Re : Property address XXXX XXXX XXXX XXXX NY. XXXX I would like to file a complaint against CHASE servicer. I have been trying to get help from CHASE SERVICER for my underwater loan. I have complied with all requested documents. Servicer CHASE has issued XXXX modifications ( see attachments ) where they have failed to honored the guidelines of the HAMP-PRA. According to the HAMP-PRA guidelines, SERVICERS MUST evaluate borrowers for mortgage reduction for any mortgage loan that is being considered for HAMP with a current mark-to market LTV ratio greater XXXX %. The property fair market value is {$540000.00} ( see attachment ) CHASE servicer did not act in good faith to reduce the principal amount {$840000.00} Also CHASE SERVICER failed to calculate mortgage payments into a 30 to 40 year period as per the HAMP guidelines. I would have a balloon payment in 20 years from now at the maturity date of my loan of {$530000.00}. I can not afford that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I handle XXXX XXXX XXXX and XXXX XXXX XXXX at a XXXX, I deposit funds into the facility account, then cash a check from the account for the amount deposited for resident petty cash, and just cash the check for facility petty cash. To do this requires 2 forms of ID at Wells Fargo bank, per Wells Fargo, a Federal/State photo ID and an additional ( acceptable ID ). The bank sporadically accepts my Work ID which has a current photo that matches my Drivers Licence, employee ID number, Company Name. The checks that I am attempting to cash also have the company name, are endorsed by me with a signature that matches my drivers licence. 

The issue is that when I asked for a copy of the acceptable IDs and a copy of the Wells Fargo check cashing policy I was told that they are not available and are internal bank documents only. I spoke with a branch manager who told me they are internal documents only and I waited on hold for 30+ minutes on the Wells Fargo General Customer Support line and had my Case # XXXX escalated as far as it could go only to be told to ask a branch manager who very clearly told me they can not help and to call customer support. 

The rational behind this as told to me by the CSR ( customer service representative ) is that it is to fight fraud. Not allowing people to know what ID are accepted by the bank you are trying to work with is a fraud fighting measure according to Wells Fargo. 

All that I am asking for is a hard copy of the Wells Fargo Check Cashing Policy and the Acceptable ID list so that I can follow their rules for cashing a check.

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 2016-11-30
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Me & my fiance were contacted by a collection agency yesterday afternoon, and feel we were treated unprofessional, inappropriate, & the issue was not taken care of. We felt uncomfortable releasing personal information about ourselves over the phone first of all. Second, the case workers were very reluctant to give us information on how or who we can contact in order to resolve the problem. Overall we feel that we could have been treated more professional.

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 2016-09-13
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received ( promotion XXXX ). The promotion promised an award of XXXX XXXX XXXX miles upon completion of {$1000.00} dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 

I completed all the necessary requirements on XXXX XXXX, 2016. According to the terms and conditions of this offer, the checking account would have to remain open for additional ( 90 ) days after all requirements have been met. Therefore, by XXXX 2016, I should have received XXXX AAdvantage miles in my account. However, no miles to date have been received. I have contacted Citi Bank about this issue and they are now claiming that this promotion was not offered in conjunction with my account.

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 2016-02-19
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Transaction issue

Complaint:
In XX/XX/XXXX, a checked was bounced on me which caused my bank to bounce a check to Citicorp for payment on my credit card. I let them know in advance, i wired twice the amount to Citibank to make sure they were covered. 

Subsequently, the next month they withheld posting payment by seven days. I complained, got a supervisor on the phone and she affirmed that the delayed posting would not happen again. 

This month I sent {$500.00} ahead of schedule on XX/XX/XXXX and as of XX/XX/XXXX it has yet to be posted to the account. Citibank says they are having to confirm the account, even though it is a different account. I have no idea how much they are charging me for extra fees related to the delay time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This account on my credit are not mines. I have disputed them with the credtiors with no success. I am at my last leg please help. Please delete and Block these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-08
Company: Navient Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two days in a row, people have called me telling me that the government has placed a file with them and they want my date of birth or other identifying information. When I ask who they are, they tell me the can tell me only their names. Any legitimate response would include a name and company name. They refuse to do this. During the third call in 10 minutes this morning, a woman told me this is from General Revenue Corporation. I asked her to send me a letter before making harassing phone calls. She asked for my address. 

Calling repeatedly within a short time frame is harassment. Refusing to identify themselves and their employer when asked is shady. There are too many scams that begin with demands for personal information. I 'd pay a bill if they sent it - my address is easily available. I will not tolerate another morning of this kind of harassment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was hit by a car in XXXX of 2013 and taken way via XXXX. There was a pending ambulance bill that my insurance provider ( XXXX ) was supposed to handle that was not known until months after the incident. I was able to get XXXX on the phone with Fidelity Creditor Service and I thought the pending amount of {$2000.00} was taken care of. What I did n't know was that there was an additional {$570.00} leftover. After two years now, I realize that there is a pending bill to Fidelity of {$900.00}. I was never informed about the balance due. There was no effort on their behalf to contact me. I lived at the address they had on file for a year after the incident and I never received another letter, phone call, or email from them. 

I spoke with XXXX XXXX at Fidelity prior to speaking with XXXX and was never told that the {$900.00} was including the interest on the {$500.00} bill. After back and forth with XXXX and XXXX XXXX XXXX ( where the money was due ) I finally figured out what was due. I told XXXX I was more than happy to pay the original {$500.00}, but he refused. After another XXXX minutes on the phone he spoke with his supervisor who said they would drop the fee to {$800.00}. I reminded him that I was never contacted about this pending bill that has gained interest over 2.5 years. I told him thank you for the offer, but I wanted to speak with his supervisor. 

This is when XXXX XXXX got on the phone. I reexplained to him that I never received a bill for {$580.00} and to charge me interest on a bill over 2.5 years old was preposterous. I asked for his title assuming that there was a supervisor over him. He told me that I was being rude when I asked his title and that he did n't need to give me a reduction. 

I have never been delinquent on a bill ( happy to provide a credit report ). The fact of the matter is that Fidelity let this bill gain interest over years and years until it was noticed by chance leaving me to suffer the consequence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX has unfair practices in the additional payment and attempted removal of PMI. The current value of my home has increased. I simply want to stop paying for PMI. The value of my home and the amount I owe on my mortgage is well under the 80 % value deemed by XXXX to have a PMI payment. I have attempted multiple times to get PMI removed from my monthly payment. Each attempt was met with a different reason for why XXXX would not remove the PMI payment. I have never missed a mortgage payment and my credit score is excellent. XXXX refuses to accept the current value of my home as a reason to analyze and remove PMI. XXXX refuses to accept a 3rd party appraisal for the current value of my home. XXXX will not look at the value of similar sold homes in my area as comparable. XXXX will not accept the taxable value of my home as established by XXXX XXXX that I live in as a source for establishing value.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
All paid as agreed upon.

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