BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On my Bloomingdales AMEX card I was charged {$620.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Bloomingdales AMEX card I was credited XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
This leaves one charge that is outstanding. 

For my Bloomingdale store account I was charged XX/XX/XXXX on my statement closing XX/XX/XXXX. 
I was also credited XX/XX/XXXX and XX/XX/XXXX The reason that it looks like there was an extra credit is because it was really my {$620.00} that I moved over from my AMEX card to my Bloomingdales store card for statement ending in XX/XX/XXXX. 

On XX/XX/XXXX Bloomingdales stated that my dispute on two charges were supposed to be credited to my account. They confirmed this with an official letter. 

Im not sure what all of these additional charges are for but I was supposed to be credited {$620.00} two times. It seems after all of the credits and charges Im still missing one credit of {$620.00}.

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 2022-03-26
Company: FIRST HORIZON BANK
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First Horizon Mortgage XXXX held my conventional loan until XX/XX/XXXX when I sold the loan and paid off the loan with First Horizon I have called First Horizon several times requesting my IRS Form 1098 for interest. 
On XX/XX/XXXX, I called and spoke to a First Horizon customer service rep and was advised my IRS FORM 1098 was mailed to XXXX XXXX XXXX XXXX, AR. THIS IS NOT MY ADDRESS and has never been my address. I have never been associated in any manner to XXXX, AR. 

I am concerned about fraud or identity theft and requested the customer service rep to please send my 1098 form to my correct address. She said she would.mail on that day. 

After no receipt of the 1098 and several attempts to call after First Horizon again, I reached a customer service rep on XX/XX/XXXX and was advised my 1098 form was not mailed and First Horizon could not change my mailing address I explained my payoff release deed was sent to the correct address in XX/XX/XXXX and could send a copy of the letter. I also inquired on the person or party that changed my address without my knowledge or approval and requested a copy of the authorization. 
I was advised to send an email and send a written letter to change my own address tho some other party already had obviously.- which I did both. 

This should be a red flag under the FACT Act 12 CFR 222.90, which requires the bank to establish an identity theft program and respond appropriately to any red flags which are defined as a pattern, practice, or specific activity that indicates the possible existence of identity theft. 

Could you please assist? I am worried I will be the victim of fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: IN
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, # XXXX, # XXXX, # 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 2016-01-30
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Business is attempting to collect a towing fee for a vehicle I did not own when it was towed. Recently I faxed the following communication to the entities attempting to collect a debt from me : To : Lien Enforcement, Incorporated XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX XXXXXXXXXXXX AND- XXXX Primary Business Address XXXX , CA XXXX Phone : XXXX Fax : XXXX E-mail : XXXXXXXXXXXX XXXX : XXXX XXXX XXXX I contacted the State of California Department of Motor Vehicles Investigations unit at ( XXXX ) XXXX regarding the XXXX XXXX XXXX VIN. # XXXX and spoke with XXXX - ID # XXXX. XXXX said that there is no record in the system that I was ever a registered owner of the vehicle, and because I was never a registered owner I can not obtain a record of registered owners for the vehicle. The DMV states the sale date on the release of liability is XXXX/XXXX/XXXX and it must be honored. I never completed the registration process nor paid to register the vehicle, and the DMV states ( The record is not permanently transferred out of your name until the DMV receives a completed application for transfer of ownership and payment of appropriate fees from the new owner. ) So you need to find whomever 's name was / is on the title for the vehicle. Finally, you are refusing to honor the sale date, speaking on behalf of the DMV, which you can not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPD, My wife and I took out a mortgage on our home with Freedom Mortgage in XXXX to pay off student loans. Never once missed a payment. In late XXXX multiple notifications were sent to Freedom from the insurance company for renewal. Upon several unanswered replies, the insurance company canceled our policy. We have been able to get 10 notifications sent to Freedom trying to get them to renew the policy from the insurance company and the agent. I have emails from the Sr. V.P. of Freedom stating that they accept they were responsible for failing to make payment. 

We were uninsured for more than 12 months. We found out while we were making a claim for a frozen pipe burst under our house. Our insurance company stated we were canceled due to non-payment since XX/XX/XXXX. 

Our loss is greater than {$100000.00} and we are uninsured. We took out a policy and had to pay a premium price much higher than our old one due to the lapse in coverage. Freedom Mortgage has been on notice for 1 week and still have not acted to protect our home. This is 100 % their responsibility.

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 2022-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested and have requested for 5 years, a copy of the permissible permission to access my credit report in XX/XX/2017 to prove the XXXX XXXX XXXX XXXX ( XXXX ) loan was fraudulent. But XXXX and Experian deny and label requests and complaints as duplicate. I understand children will lie to protect themselves but this is ridiculous for grown people to act this way. Is XXXX XXXX who blindly follow their XXXX reading this or is an american with integrity reading this?

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 2016-07-21
Company: JMD,LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
High Desert Creditors has placed a collection account on my credit when they never once contacted me and attempted to validate this debt. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. I have lived at the same address for 11 years and not a single notice has come to that address yet it is on my credit report. I am a XXXX and this is impacting my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: OH
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 contacted XXXX XXXX to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because XXXX did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2 problems with Specialized Loan Services ( SLS ) 1. SLS does not post additional principal payments on current statements. Additional principal payments are posted on the following month 's statement although the additional payment was included with regular payment. They post the regular payment but delay posting additional principal payments on the same statement. Additional payments are made to reduce interest amounts immediately not 30 days later. 

2. XX/XX/XXXX payment of {$6100.00} was incorrectly posted by SLS and they refuse to reflect it correctly on my account. The payment included XXXX regular payment and XXXX additional principal payment. Due to their posting error the transaction is showing as XXXX although they said they applied the payment. I have no evidence of when the payments was applied and if they are still calculating interest on the additional principal payment. 

Communication : XX/XX/XXXX - made payment on my account via bill pay. SLS did not post until Monday XXXX and that point I realized the errors. 

XX/XX/XXXX - sent message using SLS internal messaging system - see attached. 

XX/XX/XXXX - sent another message using SLS internal messaging system because they fixed their error to benefit themselves but did not fix the payment posts on my account - see attached. 

XX/XX/XXXX - called customer service and representative powerless to help me. I asked for supervisor and she said a supervisor will call me in 24 hours. 

XX/XX/XXXX - supervisor called me during work hours and did not leave a direct extension I could use to call her back. 

XX/XX/XXXX - I attempted to call SLS hoping to get someone who could fix my problem but after pressing all the buttons on their automated system I was told that they closed at XXXX MT although it was only XXXX MT. Thinking the automated system made an error I called back again and received the same message. 

See attached 6 page documents of screen prints and notes for clarity.

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 2016-11-11
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Since XX/XX/2020 to Present I have been dealing with fraud on my credit card. Goldman has changed my card number over 5 times and I still get hit with the transactions. I have spent hours on the phone with Apple card support, over the last few months trying to rectify the situation. Merchants are able to charge my new card number after Apple card support changes my card. Customer service and I have confirmed that Goldman is forwarding the transactions but are unable to stop it. There is a complaint in since XX/XX/2020 with no resolution. As of tonight I have been changed another fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: Experian Information Solutions 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:
Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.

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 2017-02-03
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.

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 2016-10-26
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received an alert from my credit monitoring service advising of a negative item. My credit score is usually around XXXX so i take it very seriously. Surprised, i disputed the item with the only credit bureau company reporting it, XXXX on XXXX advising it is not me. They responded on XXXX advising the item would remain. I have never done business nor received bill nor have any knowledge of the original creditor showing or the collection company reporting it, Credit Management Co, XXXX XXXX XXXX, XXXX PA XXXX, XXXX. I called Credit Management Co on XXXX and spoke with XXXX at extension XXXX, who verified the account doesnt belong to me based on my SSN and DOB. In fact she asked if i had a son born on XXXX, but i pointed out my dob is XXXX so that is not possible. She verified the last XXXX of the XXXX reporting were XXXX and the DOB didnt match. I also pointed out the original creditor appears to be some XXXX system that is in an area about XXXX hours away from where i live. She said she would add a comment to the account so that they could let the credit bureau know the account does not belong to me and should not be on my credit report. I called XXXX that same day to advise of all this, and gave XXXX @ their special Service department all the details of my conversation with Credit Management Co, including the extension of the person i spoke with and the last XXXX of the SSN they verified the debt was against, which does not match mine. XXXX re-opened the dispute on XXXX. XXXX said that the first time they sent the dispute to Credit Management Co, that company simply responded advising the account did belong to me. I was confident this was going to be resolved since i took the initiative to do their job for them to verify the account doesnt belong to me. Today however, XXXX, XXXX advised me the item would remain. How is this possible? Why is Credit Management Co damaging my otherwise PERFECT credit by reporting something that they already verified doesnt belong to me? They are not doing their job. Please help get this resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Collection Management Company
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Attempted to refinance my home loan, the parties stole my personal identifying information, tax information, credit information and my other most personal information and used it to fabricate an illegal table funded loan naming as payee an entity that was registered with the XXXX but who did not loan me any money. I never authorized delivery of the note, security instruments or other documents. No contract was consummated and no security was created. Many documents have been fabricated and record in the Official Records of the XXXX XXXX County California Recorder 's Office. Despite repeated attempts to get evidence that the recitals contained within these documents is true, none has been provided. The parties have admitted that the documents are false and without evidentiary support but have failed to remove these invalid documents. Instead they are attempting to use them in order to proceed with a non-judicial foreclosure of my residence.

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 2022-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing Company told me that I owed over {$3000.00} and that I would soon be facing foreclosure even though I was in forbearance and that I had been making my payments. I was very scared. I called XXXX XXXX XXXX  on XX/XX/2022, a conversation which XXXX XXXX XXXX  and partially Select Portfolio Serving recorded. Select Portfolio Servicing tried to explain why I owed so much money etc. I also made a complaint # XXXX. 

Today XX/XX/2022, I called Select Portfolio Servicing and they have completely changed their story. Please listen to their new story which you will find attached. I suddenly only owe {$1200.00} for XXXX and that is only because I was tricked by SPS into ending my forbearance early by SPS ( see complaint # XXXX ). I am not facing foreclosure. Thank goodness except guess what they put me in so much stress. My mother made extra payments to them for no reason and I am very upset that they thought it would be okay to take advantage of anyone like they just tried to. Not to mention to me, a person who is XXXX XXXXXXXX and who was deemed to be too XXXX XXXXXXXX to handle their own check book by the Social Security Administration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to get someone from Equifax to help with the removal of accounts on my credit report. I have called for the last week 3 to 5 times a day. I get hung up on when I ask to speak with a supervisor or they can't get me to a supervisor. I asked to file a complaint I was told I had to go through Equifax to file a complaint on Equifax and they would send it over to their dispute center to investigate. I have been told by and Equifax employee to go through a third party to have the accounts removed and told by Equifax employee they don't remove accounts over 7 years without the approval from the company I am disputing because they can choose to keep it on longer than 7 years. I have disputed the same items on XXXX and XXXX with no problem they take the time to listen to you. Equifax representatives wouldn't even listen to me they just talked over me and tell me no one else could help me they just going to tell you the same thing I am and wouldn't transfer me to speak with a supervisor. I am starting to feel like they are racially profiling. Equifax is not here to help find the truth and don't show any respect towards the consumer. Equifax can see the facts, but still want help.

Company response to consumer: Closed with explanation