BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: I.C. System, Inc.
State: GU
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Consolidated Management Group, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
A man named XXXX called me from XXXX to tell me there is a possible claim being filed against me. He gave me a phone number and claim number and attempted to verify my home address by asking me was I home. I explained that I did not know anything about a company named Continental at XXXX. He told me he would call me back in 30 minutes after I spoke with them, but to consider myself served. He called me back and told me that since I had not contacted them and did not take this seriously he would come to my place of business.He asked me again was I at home. The phone number is coming from a XXXX XXXX in XXXX, Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Federal Credit has a medical bill on my credit report that is not mine. Its my ex husbands and the debt was after my XXXX. I have disputed this and it was included in my bankruptcy just trying to get it off my credit and this company refuses to remove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: IN
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:
I have tried calling the credit card company after multiple attempts made to login to my account to make my monthly payment with no luck. I usually make my payment around the XXXX of each month and only message I get when trying to login is : We're sorry. Citi.com is temporarily unavailable. 
Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call XXXX ( TDD/TYY : XXXX ). We apologize for any inconvenience and appreciate your patience. 
When calling the number the automatic system transfers you to the credit card area and when you ask for customer service it eventually tells you due to high call volume please try again later which still has gotten me no where. I would like to pay my bill for last month I never miss a payment and here we are they are probably charging me a late fee for their errors.

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 2021-11-23
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the consumer submitting this complaint on my own behalf expressed on XX/XX/XXXX ; I contacted XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED on XX/XX/XXXX exercising my right of rescission pursuant to 12 CFR Part 1026.23. I was never given full disclosure of my right to rescind consumer credit transaction expressed on XX/XX/XXXX, this is not in compliance with 12 CFR 1026.23 ( b ) ( 1 ). XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are in receipt of this notice and are also in receipt of proof of service of this notice, view all attached documents. 

Since receiving notice of my right to rescind the above noted consumer credit transaction XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are attempting to transfer account to XXXX. I do not consent, nor do I offer to contract with XXXX. I have exercised my right of rescission pursuant to 12 CFR Part 1026.23.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Every company whom pulls my credit report sees that I have XXXX Credit Score. Upon examining my credit report for XXXX, I see that there are XXXX different names on my credit report, XXXX being XXXX XXXX and XXXX being XXXX XXXX XXXX. The companies are getting the report for XXXX XXXX, but the entirety of my credit history exists under XXXX XXXX XXXX. I keep getting declined for EVERYTHING I APPLY FOR based off of my SUPPOSEDLY nonexistent credit score that your companies are misrepresenting to them. I am utterly outraged and will be seeking legal action against the credit reporting bureaus if nothing is done to have this problem corrected in your system. As if this has not caused me enough problems already, I spent XXXX $ and applied for a rental home a few days ago and was DENIED because of a N/A Credit Score. I ca n't believe no one has noticed this fatal error!

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 2015-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
When i got my stimulus check it was not direct deposited. I physically took the check to the teller and advised that i wanted a XXXX deposited to cover the overdraft funds and other bills and the rest of the money was cash in hand. 

They just notified me a week with an email ( mind you they spam your email so who is really going to open email ) but i went through the email cleaning it out and noticed that it said they were taking XXXX from my account. I emailed them back letting them know i had no idea what this was and to please take it off because i didnt agree to any of this. 

A week goes by and i decide to call because there has been no response. I was advised that it was a courtesy credit for me to have my funds available immediately. This was not communicated during the transaction in person. If it was i would have told them no i dont need that because i have cash in hand and im fine. After speaking with the rep she advised there was no notes stating it was discussed or that it was added and they couldnt reverse it. I then asked for a supervisor. 

The supervisor i spoke with was not friendly at all. I explained to her that this is not right. I took the check knowing and willingly to cover the overdraft charges plus a little extra and the rest in cash to pay off bills. This was never discussed and replied back to the email. Her reply well you can reply back to the email. I said maam if this is the case why not put something like DO NOT REPLY like all companies do when you are not to email you back. I advised this is wrong on their end because they put something on my account without my knowledge or agreement to. 

The credit was not added before i made the deposit but the very next day. Why would i need the credit i have my account back in positive standings and if you did put the credit why not get your money the same day you put it on there seeing i had more than enough to cover that credit instead of sending a email a week before you are taking the money. 

This is not how veterans and their families are supposed to be treated, I work for the state of Tn and As a company you are to let the consumer know what is being done before it is applied. So my family is looking at it worried because this is our funds to pay bills our rent lights with 4 children and they dont care at all when this is their fault not ours. 

The bank is navy federal 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 2016-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I have submitted letters as well as online disputes with documentation to all three credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, 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 2021-11-23
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I banked with simple.com which was purchased by PNC Bank. I tried to close the account but was not able to close it to due to long wait times. The account transferred from Simple to PNB Bank with an account balance of {$0.00} On XXXX XX/XX/2021, I received a collection notice for {$32.00} for monthly fees that Simple didn't charge. I tried calling the number on the letter which said the system did recognize the number and disconnected the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
this message is for Transunion and XXXX concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX was calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: The CMI Group, Inc.
State: FL
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:
Pleas check your records. I paid this debt off over 7 years ago and it was just {$190.00}. I paid it off, they refused to allow me access to the number I had been assigned. I wanted to keep my phone number. However, I did pay this off and for 7 years this is just hanging around. Please stop reporting this paid in full account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I appreciate partial Lien release received XXXX 2015 - I am requesting full release to be filed in county recorders. I sent letter XXXX XXXX, 2015 - acknowledgement of letter has not been received. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CaliforniaZip Code XXXXRe : XXXX XXXX, vs. Ally Financial and General Motors Auto Credit, et al., Dear XXXX XXXX, XXXX. : Responding to your letter of XXXX XXXX, 2015, your are aware that any action against the property of a debtor, who has initiated proceedings under any chapter of the United States Bankruptcy Code, especially actions which affect any interest the debtor has or may have in that property, are void regardless of actual notice of the Bankruptcy proceedings by the creditor. The XXXX Chevrolet Corvette in question, is listed as an asset in my Bankruptcy proceedings and the loan pertaining to its purchase and the judgment obtain for its possession are listed as liabilities on my Bankruptcy Schedules of Assets and Debts, and all relevant parties received actual notice of the pendency of the proceedings. 

There is now pending a request to reopen my Chapter XXXX Bankruptcy proceedings to address your clients knowing and willful violation of the provisions of the automatic stay of the Bankruptcy Code. I demand that the vehicle in question be immediately remitted to my possession on or before XXXX XXXX, 2015. If not I will consult legal counsel regarding the appropriate action to be taken to compel the turnover of this property of my estate or for such damages as I may be entitled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Palmar, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stolen in summer 2012. 
File of documents ; social security cards, check books, bank account statements, along with my drivers license were stolen out of my vehicle. 
I had just purchased a vehicle. 
I have NOT opened an account with this creditor, therefore this is a FRAUDULENT account. I Also have never received a phone call or a letter from such creditors.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-23
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, 2020, I applied to refinance my home mortgage at XXXX XXXX XXXX XXXX  ) XXXX, XXXX. I had previously refinanced my mortgage on XXXX prior occasions with BB & T. I sought to refinance to go from a XXXX year mortgage to a XXXX year mortage. I would also lower my interest rate which meant my payment would decrease by over {$800.00}. My house is valued over {>= $1,000,000}. Yet I only sought to borrow {$280000.00}. My verified assets are over {>= $1,000,000}. In addition to my house, I own XXXX other properties free and clear. When I initially applied, I provided BB & T with all of my financial information, including my thrift savings account, which now exceeds {>= $1,000,000} and brokerage accounts approaching {>= $1,000,000}. My current mortage on my house is less than {$280000.00}. I do not have a mortage on my apartment building or another house. BB & T likewise has XXXX years of tax returns and several weeks of pay stubs. During the first XXXX months, BB & T asked that I verify that I did not have a mortage on the XXXX properties, something they never asked for in the past. I repeatedly asked how can I prove it. BB & T never told me how to do that. On XX/XX/2020, after XXXX  years, XXXX months, i retired from XXXX. I provided BB & T my retirement estimates, which turned out to be fairly accurate. Nevertheless, BB & T wanted income verification. However, because of the pandemic, the government could not provide that information. I subsequently received my pension verification several months later. During the interim, for the first time,, I was denied my loan BB & T was able to determine that from my credit report, which it had and going on line. after XXXX months, BB & T changed ask for income verification. Unfortunately, with the virus, I was unable to provide the information. BB & T then rejected my loan. At every step of the process, I asked what more i could do. In the end, I guess i am not the type of person BB & T wants to deal with. Always timely with payments and a XXXX XXXX over XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX application number 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 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.

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 2021-11-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A wire was sent to my wife for {$1500.00} on XX/XX/2021 ( note : I have previously wired money successfully to my wife ( XXXX XXXX using the exact information in the past- it was a default drop down on my Wells Fargo online account ). Though the {$1500.00} was immediately removed from my checking account, my wife has still not received the money nor has the money been returned to me. I have made numerous calls within XXXX in last XXXX  days, over XXXX hours of my time, having been transferred to at least XXXX different people- being passed around. I have been told a variety of reasons, including because I used the word florida in my wire memo ( note : we just came back from a florida vacation where my wife was paying associated bills ). I was told to visit a personal banker which I did XXXX XXXX hour of phone calls by the banker to wire operations etc, they still have no answer for me.now over a day later since visiting the banker. At no time has any Wells Fargo employee contacted me about my issue.despite multiple complaints over XXXX days. It is unimaginable how a bank removes my money for a very basic wire transaction and almost a month later has XXXX information on its resolution. I am still out the {$1500.00} and my wife called her bank ( XXXX XXXX  XXXX ) and they assure her the problem is at Wells Fargo end. I fear the problem at XXXX is systemic that should be fully root caused as there was absolutely nothing complicated about my transaction. Please 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 non-monetary relief