BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
i have store account with macys. Macys called my parents which i dont know they got the number gave my dad my acoount 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 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am the executor of a small estate. The decedent had a small account ( {$3100.00} ) at Bank of America. In XXXX of 2020 I spoke to Estate Servicing at B of A about having the funds released to me. They required a copy of the will, death certificate and a letter of direction, all of which I submitted. I have called and emailed repeatedly since then. They have ignored my communications and changed their requirements multiple times. Calling customer service requires 40 minutes to over an hour of hold time, and the time commitment per call is generally around two hours. After finally promising to release the funds to me by check payable to the estate ( which I may or may not have been able to negotiate ), they once again reneged and now say that I need documentation from a Florida court in order for them to release the funds. ( The decedent was domiciled in Florida at the time of her death. ) The Circuit Court of XXXX XXXX ( where she died ) does NOT require this, it is a bank policy which they will not waive, and I can not obtain what they are asking without hiring Florida counsel for a cost in excess of the funds being held. So basically the bank is stealing the {$3000.00} by denying me the ability to access the funds.

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 2016-04-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was a part of the perpiortery lending violations in XXXX with Chase Bank. In XXXX The federal Trade Commission performed a forensic audit on my loan and found several truth and lending violations. Chase in turn took XXXX and put it in a balloon payment on the end of my loan, reduced my interest rate to 5 % fixed. 

Now, in XXXX I was unable to make XXXX payment, but have been paying every month lagging behind the XXXX payment. Chase refused to assist me with the XXXX payment. Chase sourced the servicing of my loan out to XXXX XXXX XXXX XXXX XXXX. 

I have been trying to modify my loan with them since XXXX XXXX. I have sent tones of paperwork in to them at their request. Each month, they come back with a different person asking for the same paperwork in a different format. I send all the paperwork electronically through their email XXXXXXXXXXXX. I am on a fixed income, unable to makeup the missed payment. XXXX continue to send threatening foreclosure letters to me via certified mail, but they are also accepting my payments every month. These practices are causing me health issues. I had a XXXX two weeks ago. I do not know what else to do. I can not sell or lease my house because the loan in XXXX was more than the appraised value of the house. The lender appraised my house for {$390.00} in XXXX, and it was only worth about {$190.00}. I now have a loan more than my house is worth. The collectors at XXXX are rude and nasty with the exception of XXXX XXXX. He understand my issue and can not explain why they keep asking me for the same paperwork over and over. I do not feel that XXXX is following the rules of the Making Homes Affordable Act. When I asked to speak to a supervisor, she simply told me she could not help me and maybe I ca n't afford the house, to get out before it 's to late to sale it. I told her I invested my life saving in this house and that I was only XXXX payment behind. She said too bad and hung up the phone. All of the documents I attached was sent to XXXX from XXXX to today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I XXXX XXXX XXXX, With no THIRD PARTIES INVOLVED have disputed with Transunion and was delivered an Affadavit of identity theft on XX/XX/2022, along with a written statement with NO THIRD PARTIES ARE INVOLVED!!!!! With a printed police report and all documents were NOTARIZED by the county 's notary. Please see attachments. They have 4 days from the date of receiving my dispute to BLOCK all fraud accounts reporting. According to title 15 usc 1681 C-2. Non compliance title 15 usc 1681N, is also a violation. see attachments.

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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 2019-12-01
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To who it may concern. On XX/XX/2019 XXXX XXXX  PST I made an international money transfer using Remitly to a friend in XXXX in the amount of {$430.00} USD which emulated to XXXX in XXXX currency. The transfer number was [ Transfer No. : XXXX XXXX XXXX XXXX ]. the recipient didn't receive the transfer and called them to notify the problem. They said it went through I should send a bank statement as proof which I did. Within 8 days of this still didn't hear from them. Made various calls within this period to resolve this but they don't seem interested. I would like help on how to proceed with this matter. Note : password in the uploaded bank statement is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am in repayment to Navient for my student loans. I was 2 weeks late with a payment because I was out of town taking care of my mother who is going through XXXX. I received up to 7 calls/day from different numbers. When I answered I have been hung up on. And now my account is current and they have still called me 3 times this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: DE
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:
Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXX XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

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 2020-04-20
Company: Kingston Data & Credit International Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received a phone call from Kingston Data Credit International saying I owed a gym membership which I cancelled via certified letter. I was told by the collection company that I needed to pay {$170.00} or that the company is going to report this to my credit report I even have a voicemail from a woman saying the same thing. I have received no letter from this company or correspondence from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was not told when consolidating loan balances with Navient that payment based repayment plan years would start over to the beginning of the 25 years of payments and would not be given credit for the 4 years that I have made payments. I consulted with Navient before proceeding with the consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2021-09-23
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX : my account with XXXX goes into default. It appears on my credit reports under a creditor I can no longer recall. 
XXXX : no collections on my credit reports XX/XX/XXXX : Convergent Outsourcing sends a letter to my current address XX/XX/XXXX : I receive letter, contact Convergent Outsourcing and XXXX XXXX. Convergent Outsourcing says its not on my report and it is from XXXX. Call XXXX and they claim there is nothing they can do or will do to rectify this XXXX XXXX XXXX XXXX : no collections on my credit reports XX/XX/XXXX : collection from XXXX XXXX XXXX Convergent Outsourcing appears on my XXXX and XXXX XXXX. I dispute on both credit monitoring sites. I call XXXX and they claim I am still liable for this old debt. It is dated on my credit report from XX/XX/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 2019-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX and 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 2022-09-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested a Verification of Debt from Midland Credit Management As of today, has not provided the requested information. 

MCM has not provided or responded to my request of verifying the information. 

Reached out to Midland Credit Management did not respond to my request at all. 

( See attached A ) Certified return receipt to MCM ( See attached B ) Copies of letter dated XX/XX/22 to MCM MCM is reporting non-verified information to all the credit reporting agencies and have not provide proof of ownership that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX {$0.00} XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX {$78.00} XXXX {$3500.00} XXXX {$3300.00} XXXX {$3100.00} XXXX {$3100.00} XXXX {$2200.00} XXXX {$3900.00} XXXX {$3100.00} XXXX {$6300.00} XXXX {$650.00} XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax investigated then deleted addresses not belonging to me. They currently have been placed back on my file without notice or reason. Confirmation number for report with investigation results is XXXX. I've attached a photo of results of the investigation confirming deleted information as well as photos of current file showing deleted addresses once again listed on my personal file as of today. The confirmation number for the investigation can be found at the bottom right hand corner of the results page. I am presenting their findings so there should not be a rebuttal from Equifax. 

This is the second time that this website rejects my social so this report confirmation number as well as the photo of the report should suffice with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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