BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SN SERVICING CORPORATION ( servicer ) is filing foreclosure on my home on behalf of XXXX XXXX XXXX TRUST a nonexistent trust/entity according to Securities and Exchange Commission records. They are perpetuating fraud on the court to claim ownership on my home as this alleged trust was never formed/created with no Pool and Servicing Agreements to show that they are a party of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
THIS BANK HAS {$1000.00} OF MY FUNDS AND WO N'T SEND IT TO ME. ANYTIME I SEND INA COMPLAINT YOU GUYS TELL ME THEY SAY I MAY BE A VICTIM OF FRAUD WHICH IS NOT TRUE. SEND ME MY {$1000.00} 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 2022-12-15
Company: Westlake Services, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have reported this hard inquiry to XXXX as fraudulent from this company and they have not yet been removed it. I did not authorize the following inquiry and I have a police report attached showing that my identity was stolen. Please remove the following inquiry from my XXXX credit report : Westlake Service XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2022-06-13
Company: The CMI Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not a valid collection and it is time barred. I have reached out to the FCC and the XXXX  to file a complaint against XXXX XXXX as they are unable to provide proof of debt or an accounting history or breakdown to how the balance came to be what it is with no notes in my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Self Financial Inc.
State: CO
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:
I closed my Self account like almost two years ago and the guy told me it was closed XXXX of XXXX  & I dont see how now they got a delinquency of payment for a month of when I canceled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX  XXXX XXXX stole my personal info and over 5 months later behind my back reported me to Early Warning that I had committed fraud. Early Warning then sided with the fraudulent bank branch and put my name in Early Warning for " suspected fraud '' after reviewing info from XXXX XXXX XXXX showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, Early Warning continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS NOT A NEW COLLECTION ACCOUNT AND WAS REMOVED BY XXXX XXXX WITHIN THE PAST MONTH. IT IS FROM A COMPANY NAMED PARAMOUNT RECOVERY FOR {$900.00} AND CLAIMS TO HAVE BEEN OPENED ON XXXX BELIEVE THIS STEMS FROM AN EMERGENCY ROOM VISIT FROM 7 OR 8 YEARS AGO THAT WAS SUBMITTED TO INSURANCE FOR PAYMENT. I HOPE YOU CAN HELP ME GET THIS REMOVED FROM MY CREDIT HISTORY WHICH HAS SCORES IN THE 760 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: U.S. BANCORP
State: OK
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: Problem with personal statement of dispute

Complaint:
filled out an application for a us bank corp credit card at an XXXX XXXX XXXX XXXX store for {$15.00} dollars off on my purchase, the application was approved a few days later I received a us bank credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called us bank, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then us bank turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops 75 points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2022. I ordered a Pre Paid American Express XXXX. I received my card via mail on XX/XX/2022. I called the number given on the back of the card # XXXX. I was able to successfully " activate '' the card, however when I go to login to their website to check my account, their website gives me an " error '' message saying to " try back later '' this has been happening every single day since I activated the card. 

Also, the same thing is happening with their XXXX XXXX phone app. I try and use the " forgot my username '' and or " forgot my password '' functionality and neither works either. I have already submitted a request to my employer ( direct deposit ) previous to me knowing I was going to have these issues. I tried calling the " customer service phone number '' on the back of the card to report the problem however it ONLY gives me the option to " activate '' the card, it does NOT allow me to select an option to speak with an actual representative. 

I also did some further research online to see if anyone else was having this issue. There are multiple complaints regarding multiple issues with the American Express Blue Bird Card on XXXX, XXXX, XXXX. 

Please advise? 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A XXXX PARTY OR AGENCY. I DO NOT RECOGNIZE THE FOLLOWING INQUIRIES ON MY CREDIT REPORT. THEY ARE UNAUTHORIZED INQUIRIES AND I DID NOT GIIVE PERMISSION TO ADD THESE TO MY FILE THAT IS A FCRA VIOLATION XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Early Warning Services, LLC
State: FL
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:
There is a consumer report from EarlyWarningSolutions which states an account from XX/XX/2017 is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX that this account with this account number is not a valid number or valid account with XXXX XXXX This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from any of the following account ( s ). Block and Remove

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 2022-01-27
Company: Convergent Resources, Inc.
State: SC
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:
XXXX XXXX account is fraud and please remove and block, I contacted XXXX XXXX serval months back and told them there was a account that was opened under my name that was 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 2020-04-21
Company: Navient Solutions, LLC.
State: WA
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:
On XX/XX/2020 I received an email from my student loan servicer, Navient, titled " Coronavirus Update ''. It directed me to a COVID19 Information page on Navient 's website which stated that, " as part of the new Federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education owned loans until XX/XX/2020. Navient has sent notification in writing to all eligible borrowers. You can always check your loan status by logging into your account. '' Today, XX/XX/2020, I logged into my account to check the status of my loans. They are still in repayment and accruing interest. 
In fact, on XX/XX/2020, they sent me an email, reminding me to make my XXXX loan payment, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a XXXX XXXX credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called Midland credit management on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. Midland said they would be in touch via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
US BKPT Court XXXX  XXXX... I have previously disputed U.S. Bankruptcy Court XXXX XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately

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 2017-03-16
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied with Freedom Mortgage and then cancelled my loan to go with another lender. I have asked them numerous times to have my FHA case number transferred and no one wants to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The attached letter to Citizens Bank documents the closure of my personal checking account, which has resulted in my inability to pay my bills. The account has or had exactly {$3900.00} at the time of the improper closure of the account, as I had deposited {$3100.00} into the account at XXXX on XXXX XX/XX/2022 with a bank teller, who gave me a deposit slip for the transaction ( my bank card was used/swiped for the transaction ). Soon after I left the bank, I went to a local baker to purchase {$15.00} worth of bread, and my card was rejected three times. I called my branch manager, as indicated in the attached letter, and she said the card was shut down, but said it was nothing to do with anything she or her teller had done, and that I should call the bank 800 number. This has happened the previous month as well without explanation from Citizens Bank, and a new card had been issued, but this time when I put the card number in, there was no fraud alert. Instead the 800 automatic service said there was no such account at all. I was then placed on hold for some time until a Citizen 's customer service representative came on, and told me my account had been put on " hold '' for review and that someone from " the Director 's Office '' from the bank would be in touch with me within 2 business days. I asked to be put through to the Director 's Office, and they said that wasn't possible, and that there was no phone number to call directly. The rest is set out in the attached. It is now 4 business days, since this occurred, and I have had no contact from the bank at all, no email, no mail, no phone call from any representative from the bank, although I emailed the attached letter on the morning of XX/XX/2022 to the VP in charge of Branch Services, and to her boss. Neither has replied to my email or letter, and I have also overnighted the letters. Needless to say I'm in shock. I don't know what has happened to my money or my account, and the bank, which has published office numbers that don't work, has not contacted me at all. I don't know how to pay my bills or what is happening at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
When researching online for a promotional 0 % APR on purchases for the first 15 months, MasterCard through Bank of America was one of the options that came up. I choose this card because it was specifically for purchases and was going to use it for an upcoming trip and school. I applied online for this card and was approved. For my first billing cycle, I was not charged any interest. However, for the second billing cycle I was charged interested. I called the number on my credit card, and after explaining what happened was told by the representative that it was a mistake and she apologized for this error on the side of the company and transferred me to another department so that they could take care of it. This first conversation happened on XXXX XXXX 2017 at XXXX XXXX. When speaking with the second person, I was told that the card I applied for was only transfers. I explain my situation again and told him the first representative acknowledge the mistake. He continued to tell me there was nothing he could do.

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 2017-07-21
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was contacted by XXXX XXXX XXXX on a daily basis for months pressuring me to enroll. I finally gave into their high pressure sales tactics and I enrolled. Shortly after enrolling, I became homeless and could not continue to obtain my degree. My loan is now in default and I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation