BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MD
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 called Equifax Credit Bureau on XX/XX/2021. I told them that I had logged into XXXX XXXX and gotten my credit report. I told them that disputes for my personal information, collection accounts and inquiries. The customer service representative took care of the personal information. Then I told her that under the FCRA that the collections were showing open accounts and I wanted them disputed because collection accounts are not supposed to be reported as " Open ''. The representative said that there were 2 collections not 12 that I had pulled from the credit report with XXXX XXXX right before I called Equifax. I asked are you positive because I just pulled this report right before I called you. Again she said well there are only 2, so I disputed them both. Then we went in inquiries and I told her that I wanted to dispute the inquiries and I was told that at the current time Equifax was not taking disputes on inquiries. I could contact the inquiring company and dispute it with them and they can make the change but that Equifax was not accepting any disputes regarding inquiries unless I had a police report showing that I had been a victim of fraud. I told the representative I felt that this was not legal because the law says they can only report accurate information and with those inquiries the information was inaccurate. Again she repeated for me that Equifax is not currently accepting Inquiry Disputes unless I have been a victim of fraud but I could dispute it directly with the inquiring company. 

The big 3 credit bureaus in this country control our lives. They can make you or break you. They need to be taken out by the CFPB for the things they they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CHECK INTO CASH INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi I am a single widowed women with XXXX children I received a tittle loan that I was going to be paying off then when the XXXX virus started I got put on unemployment well I was about two weeks late and I called to make my last payment and they wouldnt take it they said they sent it off to a collections agency and I couldnt pay them now I have turned it in to XXXX XXXX and they have been investigating for a while but nothing is changing now my credit is destroyed and now I have no Title I am desperate to get help from you please help me get my title this isnt right and they refused my payments thanks and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A little over a week ago, I was sent several correspondences via text and email regarding Wells Fargo stating, " They will no longer text me '' etc. I have not been a Wells Fargo customer for 2+ years now, nor have I contacted them regarding any information of mine. Whoever decided to enact these changes did so without my knowledge, or w/o my consent.

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 2022-05-05
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:
Bank of America held 99 % of my deposit longer than they needed to, causing important payments to be withheld, abs returned. It is causing a hardship. They could have verified the funds, but after several phone calls they would only tell me they were rejecting my payments and I shouldnt deposit checks. As a XXXX financing is hard enough without my bank working against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 call Transunion to remove XXXX off my credit.

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 2017-05-20
Company: Critical Resolution Mediation LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: NV
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:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with Experian and and 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 2020-04-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I've been repaying for years and it's never ending. I end up oweing more and more, it affects my credit, I cant qualify for my first home or any loan. Its ruined my life completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Due to XXXX, XXXX & loss of jobs we could not make our house payment. We had a loan with XXXX and a XXXX loan with XXXX XXXX ( {$25000.00} ). We talked to our realtor who said to do a shortsale. She listed in XX/XX/XXXX at {$85000.00} ( XXXX shortsales in the neighborhood ). We received {$120000.00} which the buyer agreed to. She waited a month then terminated because she found another house that was not in shortsale. The house went back on the market and we received an offer XX/XX/XXXX for {$120000.00}. On XXXX XXXX notified us that the servicing of our loan was being transferred to Bayview Loan Servicing LLC on XX/XX/XXXX. But then moved it back further to XXXX. So we could not do anything during that time. Since we have been working with Bayview we had XXXX different negotiators in 5 months. We have had a qualified buyer since XXXX who still wants the house. Bayview has had an investor who still to this day has not said yes or no to the loan ( XX/XX/XXXX ). This company has called and harassed us and more important has called and harassed our parents who have nothing to do with our loan. If they needed paperwork XXXX has everything they need. She has been working on this offer for 8 months along with our Realtor. XXXX had been calling our Realtor each week to make sure the house was in pending and still going through. On XXXX our Realtor went to check on the house and found a flyer on the window from XXXX saying they were going to board the house up and change the locks. Our Realtors sign was out front in plain sight and had a sign saying " contract pending '' along with a lockbox for agents to get in. She went to XXXX and tried to find out what was going on. She did have a loan officer call someone to notify them the house was in pending. Bottom line is we have had a qualified buyer for over 5 months and the offer is being sat on! They could have their money and we could sell the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. My request for the verification and deletion of unverified and erroneous information has been diligently neglected by Equifax. Despite sending them the last dispute letters dated, XX/XX/XXXX, for the said request, they stated items were verified. I was not provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, all items that can not be verified must be deleted immediately.

They are still reporting inaccurate and unverifiedinformation on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting inaccurate and unverified information. 

Below are the unverified accounts that remain on my report : XXXX XXXX XXXX XXXX US DEPTARTMENT OF EDU US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT. OF EDUCATIO Below are the unverified inquiries that remain on my report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 
Reason # 4 : Date last active is inaccurate Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed

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 2016-06-17
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am filing a complaint against a debt collector PATENAUDE & FELIX, A.P.C. 
This company is harassing me for a debt that has an expired statute of limitation. 
They have sent me a summons to appear in court. 
Attorney At Law : XXXX XXXX XXXX : XXXX Ex XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I noticed three pending transactions on my debit card which were made in the state of Washington ( I am in California ). I immediately phoned U.S. Bank Fraud Dept. and reported the charges. The representative confirmed that a recently issued Debit card had been used without a PIN. I was told that the card would be immediately canceled and provisional credits would be issued for the unauthorized charges. The credits appeared within 24 hours but then disappeared the following day and the pending charges were deducted from my account. I have made several calls as to why the pending charges were allowed to post and the credits removed. No response and no accountability. I am a working person who must meet a rent obligation on XX/XX/XXXX. I have been Banking with US Bank for 8 years and am shocked at the complete disregard for Customers.

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 2016-03-19
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Yesterday I received my monthly mortgage statement from Seterus and the amount due had doubled. 

Last month the amount due was {$400.00} and for XX/XX/XXXX the amount due is {$990.00}. No explanation for the increase was included and the account is current. To my knowledge I have never paid a late fee and have paid down the principal with almost every payment. 

This is a variable loan. No prior letter was sent that the rate adjusted from XXXX % to XXXX %. In the past I got a letter explaining why the rate changed and even if it did not change they sent a letter confirming the interest rate. 

The principal amount due increased {$530.00}. This huge increase came with no explanation or description of any kind. 

At the time I took out this loan with XXXX XXXX XXXX this balloon increase was never told to me. I clearly remember seeing a diagram in the loan documentation that showed the rate increasing - I asked about this and was told this was an example of the variable rate increasing. 

I was never told this was a time bomb loan - I was told it was principal only loan and if I did not pay it off by the term of the loan - I would have to refinance the property. 

Seterus purchased a loan with a time bomb in it and never gave me advance warning - beyond 45 days of XXXX rate increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Other

Complaint:
Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX 

I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. 

I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. 

This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. 

I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. 

If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. 

I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. 

Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.

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 2021-09-30
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was collecting unemployment from Idaho, using a US Bank Reliacard. Between XX/XX/XXXX & XX/XX/2021 my account was hacked & several illegal withdraws were made via card to bank transfer. I have the account info showing the dates & name of person whom did this fraudulent unauthorized activity. 
I notified US Bank, via a phone call & fax, the day I found out my money was missing ( {$8300.00} ) which was XX/XX/2021. They said my account PIN was changed & the money removed via a transfer. I did not change my PIN, or ever use a direct bank transfer. I went back & forth with them several times on the customer service phone line. On several occasions I was on hold for over an hour when the phone mysteriously cut me off & returned to a dial tone. 
I have records of my account information, my faxes to them & their statement of resolution ( XX/XX/2021 ) which says US Bank is not responsible for this & no money will be returned to my account. 
I feel that US Bank is responsible for security of my Reliacard, and should not let PIN # 's be changed over the phone w/o a security check being done on the caller. 
Please let me know what you need me to do next. 
Sincerely,

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