BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-15
Company: National Credit Adjusters, 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:
I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for XXXX XXXX XXXX. Nothing has been done about it. They all came back that it was verified. 
XXXX XXXX XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as National Credit Adjuster, formerly AD XXXX XXXX XXXX. 
NATIONAL CREDIT ADJUSTER The company that reported the information has certified to XXXX that the information is accurate. 
AD XXXX RECOVERY SERVICE Information on this item has been updated. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX is incorrectly reporting my balance owed as {$2900.00}. 
i only owe 4 payments left which is {$1400.00}. please update this immediately. 
my social is XXXX XXXX XXXX XXXX XXXX is also reporting a 30 day late from XX/XX/2021 which is incorrect as when i made the payment they reported they did not receive it. 
please remove this 30 day late immediately and update my balance.

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 2019-11-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello! I am having a problem with your website and Experian Boost service. I added my bank XXXX XXXX to my account. There was a scan done and I received a response stating that past bills could not be located which is inaccurate. Therefore, I disconnected my banking information and tried again a few weeks later. Now I am receiving this message : We couldnt validate your account details Your name and/or address with your bank doesnt match your Experian membership profile, so we couldnt validate your details. 

The address on my experian site matches exactly to what my bank has. I don't understand why I am receiving this message when my bank was connected with no problem just a few weeks ago. I appreciate your help in resolving my issue. 

Thank you

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 2019-12-21
Company: MidAmerica Mortgage Inc
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My HUD184 loan servicing was previously through XXXX. Since I had the loan in 2015, I had not made one late payment. I noticed mid-XXXX that my XXXX payment had not been cashed. I called and was on hold for an hour before I could speak to someone. The representative at XXXX said that the servicing of my loan was being moved to MidAmerica Mortgage and they were servicing their own loans. She gave my my account number ( which turned out to be only for LoanCare ) and a number to get a hold of someone at MidAmerica.

I called MidAmerica the next day. There was a recording on their phone that stated they were closed for an " unexpected event ''. I called again the next day and again was on hold for well over an hour. I hung up and called LoanCare again as I couldn't get anyone at MidAmerica to answer.

I talked to another rep at LoanCare who said that while the account is in transition, that there would be a 60 day grace period. She also said I wouldn't be held liable for any late payments. She said that they had just sent out the notices that they were no longer servicing the loan the week before and I should get it in the mail. I never received the notice from LoanCare. She also stated that MidAmerica would be sending me a welcome packet as well. I never received that. 

XXXX came and went. I figured I had done my research and that I just had to wait to get something from them in the mail. I also kept checking my e-mail on file with them. I received nothing at either. 

On XX/XX/XXXX, I still hadn't received anything. I called MidAmerica again. I was on hold for over an hour again. I finally got through to someone. It wasn't actually MidAmerica who was servicing my loan, it was 1st Tribal. Also, she said the account number wasn't theirs, it was XXXX  's, so she gave me a new account number and I was able to login on the portal while I was on the phone with her. My account stated I was two months behind on my mortgage. I now owed over {$4500.00} in two weeks. She said they hadn't sent me a welcome package but that she would talk to her supervisor to have one sent to me right away. I was upset with her. I have never been late and now I had two agencies not send me the information. I had no way of making payments or knew what was going on. I am lucky that I am able to catch up, but not everyone has three months of payments at the holidays. This has also put undue stress on us for XXXX. I don't think this was handled appropriately and it put my house in jeopardy. Someone should know what they've done. I doubt I'm the only one who has experienced this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: NCB Management Services Inc.
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 status incorrect

Complaint:
on XXXX I paid off a Collection from : NCB Management Services , Inc. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : NCB Management Services , Inc. 
NCB File # : XXXX Balance : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This complaint is in reference of CFPB Case number : XXXX. 
The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. 
I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. 
As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. 
I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. 
I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.

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 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX, tried to pay my Capital One, Venture Card. Restricted File # Ref. No. XXXX, called Capital one, told I had a Bankruptcy filed! Told them I never filed Bankruptcy! 
And other Capital One card was fine, that I had paid it that day! Said they would have to wait 3 days for them to correct their mistake. 
Called XX/XX/2017 Card still restricted. Could n't give me number to call for SECURITY REASONS. Keep calling back, maybe I can get a Supervisor then!! 
Called Fraud protection number XXXX spoke to XXXX, Have to wait until cleared by Bankruptcy Dept!! Should be cleared by XX/XX/2017. 
Called XX/XX/2017 transferred to 3 different people, told this bankruptcy had been filed XX/XX/2017 XXXX XXXX Court of Indiana!! Ca n't do anything now. 
Called Corporate # XXXX spoke to Agent XXXX XXXX, told other calls made to CapitalOne were not never put thru correctly! She would put thru and have it cleared. 
Called XX/XX/2017 XXXX told them I was going to report to CFPB putting thru to Supervisor, disconnected, called back, disconnected, called back again getting Supervisor, then " sorry having company issues with system ca n't get supervisor '' call back later! 
Called XXXX XXXX Court Indiana, ca n't help since I am in Florida, would n't be filed there!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My problem is actually 2 fold, it involves a mortgage with Citibank, and Title to a property, actually 2 separate properties, in XX/XX/XXXX I mortgaged a home, there was lien that was not picked up, I later did a heloc, again lien was not picked up, ..foreclosure started with citibank 3 years ago, and still going on. when I found out about the lien, that was 3 years ago when the foreclosure started. I had asked Citi on several occasions, that I needed the copy of title and the closing docs ... at that time I also wanted to have his supervisor involved, in this, as I knew it was going to take many brains to wade through this mess. Finally in XX/XX/XXXX I found out who the title company was and I also found out that title include 2 homes not just one ... .so now, we have citi loaned monies on a title that was not correct and that had a lien on it ... .I contacted the title company explained the problem, was assured it would be taken care of ... .as XX/XX/XXXX nothing has been done, by XXXX dropping the ball, I now have legal actions against me, due to title not being correct, XXXX has not been in communications with me, and Citibank has made a mess, and the foreclosure is still going on ... and it involves people who should not in included in the foreclosure. So due to the incompetence of 2 companies, and their employees, there is such a mess and no one is stepping up to the plate to get it done and corrected ... .Citibank was made aware, 3 years ago, that there might be a problem with the title, and was told to make sure that title was correct ... as I explained, when I sold a home, I got a call from the title company for the buyer, they told me that Citi had a lien, I explained that the lien belonged to the other home, across the drive way, called the loan servicing dept at Citi to tell them there was a problem with title, got hung up on 5 times, called the loan officer, got a rep from Citi to call me, explained what was going on, got a call from the buyers title company, was told, it was all taken care of ... buyer closed, come to find out in XX/XX/XXXX when served with foreclosure papers ... title was not taken care of, he closed, have no clue how that happened, lien was never picked up ... .and we now have a mess that XXXX needs to fix, and Citi needs to fix, neither company wants to do their job

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 2017-08-23
Company: Navient Solutions, LLC.
State: AZ
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:
Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: KY
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 a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Upstart Holdings, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I entered on XXXX XXXX in the military on XXXX XXXX, 2019, and will be continuing on XXXX XXXX for at least XXXX years once I finish my initial entry training, per my Service Agreement. 
Prior to entering XXXX XXXX, I took out XXXX personal loans with Upstart. Soon after entering XXXX XXXX I sent Upstart a copy of my orders to XXXX XXXX candidate school. They initiated the XXXX interest rate cap of 6 % on my account. However, as soon as the end date of XXXX Candidate School, which was XX/XX/2019, arrived, Upstart removed XXXX XXXX and said that I needed to send additional orders to continue XXXX benefits. I sent the orders for the follow-on school, however because the orders do not have an end date due to the nature of the school 's length, Upstart refused to reinstate XXXX benefits. I have sent them a copy of my Service Agreement stating how long my XXXX XXXX obligation is, a copy of my Leave and Earning Statement, which states when my projected 'End of Current Contract ' ( ECC ) and 'End of Active Service ' ( EAS ) are ( which are the dates Upstart was requesting ). I was also able to locate a status report for myself from the Department XXXX XXXX XXXX XXXX XXXX, which states that I am still on XXXX XXXX. None of the other companies that I have credit cards, loans, or leases with have given me any issue after receiving my initial orders.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Health Savings Acct with Bank of America. SEE BELOW.. 
Recently, we let you know about upcoming fund changes to the investment options available in your HSA, as well as the upgrade to your health account that 's coming soon. This is an important reminder that in order for your investments to transfer in-kind during the upcoming upgrade, the auto-investment feature must be enabled on your HSA Investment account before XXXX at XXXX. 
XXXX. If the auto-investment feature is not enabled, investments will be liquidated with proceeds placed into your HSA Cash Account. The cash will remain in your account until you make new investment elections. 

Here 's what you need to do if you prefer your investments to be transferred in-kind : Before XXXX, confirm that the auto-investment feature is enabled on your HSA Investment account. On XXXX, your shares will be moved in-kind to Merrill Lynch XXXX. Your auto-investment elections and {$1000.00} investment threshold will also be mapped over as part of the transition. 

How to confirm auto-invest is enabled : Log in to XXXX Click on " Investment Balance '' in Account Balance & gt ; select Continue & gt ; Investment Summary tab. If auto-invest is disabled, click on " Automatic Investments '' & gt ; check " Enable Auto Investments '' & gt ; submit & gt ; confirm. 
Your investment elections must total 100 % before you can turn the auto-investment indicator on. 

What will happen if the auto-investment feature is n't enabled by XXXX? 
If the auto-investment feature is not enabled, your HSA investments will be liquidated on XXXX with proceeds placed into your HSA Cash Account. You 'll have access to these funds on XXXX and can select your investment elections as part of your account set up. 

Please ensure you review the status of your auto-investment option and make any necessary updates to your account before XXXX at XXXX. XXXX if you would like your funds to move in-kind during the upcoming upgrade to your account. 

If you need help or have any questions, please contact the Customer Care Center number on the back of your HSA debit card. Our Customer Care Associates are available 24/7. 

My investments within the account are not showing up and the consumer can not enable the auto investment link. I have been on hold for over 20 minutes and you can not email them. THIS IS INEXCUSABLE! If I lose the portion of my account that is invested I will sue the bank and make this as public as possible. I DO NOT RECOMMEND ANYONE USE BofA 's HSA services.

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 2017-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX   is reporting a collection from  XXXX  #  XXXX , shows the original creditor as  XXXX   XXXX   .  I have not has  XXXX   XXXX  in over  10  yrs

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 2022-05-01
Company: Experian Information Solutions Inc.
State: NC
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 to the Fair Credit Report act XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

In accordance to the Fair Credit Report act Credit one bank has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2022-05-01
Company: Experian Information Solutions Inc.
State: NC
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 Account # 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 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