BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I tried to close my account with MACU. They stated I couldn't close it until the account was current. I put enough money in the account to cover the charges I made. The credit union kept posting payments to it, which resulted in multiple overdraft payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I lost my job and so did my husband. We were both making payments towards the house with no problems. As a result in my job loss my husband was the only provider and it became stressful and financially we were unable to make payments on our mortgage. I contacted the mortgage which was XXXX through XXXX XXXX XXXX. They tried to modify our loan and help us make lower payments. Then we got our result back and it was still high and we could n't make payments. By the time we tried again to modify, my husband lost his job due to the company going out of business and we were left in a bad position. So I contacted the bank and asked to put the house on the market and that did not go well. Did n't sell, then we went through a process of short-sale, deed-in-lieu and then I voluntary gave up the house and we moved out XX/XX/XXXX. We were given the run around by the bank every time we tried to get out of the house and the bank kept changing ownership through this order : XXXX, XXXX XXXX XXXX, Green Tree and now Ditech. Every time we get a process started we have to start over with another company. It has become very frustrating. We do n't live in the house because my husband joined the XXXX XXXX XX/XX/XXXX and we live in California and are unable to make any payments on this house. We have been trying all these years to get the house out of our debt and always hit a stand still in our efforts. We ca n't afford it and want something done. Please help us get the mortgage company moving on a outcome. We are no longer interested in keeping the home. Please fix the issue! We are very unhappy with the banks effort to help us! My husband wants to XXXX within the XXXX and because of the house our credit is a huge issue. He ca n't have high security clearance because of the mortgage being a huge debt. We need to get the house off our credit so that we can pay off the small debt we have to establish a clean and well standing credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Multiple fradulent charges appeared on my citibusiness card. The company XXXX citi XXXX discovered this, informrd me and reversed the charges all of which occured in XXXX. Subsequently, XX/XX/2019, I received a statement requesting a payment of {$270.00}. I had not made any purchases. This amount was carried over from the fraud in XXXX or from the foreign transaction fees that were associated with those purchases.I spent many hours on thr phone attempting to resolve this matter, Was assured it would be rectified.the next ststement, XXXX, still asked for payment of {$170.00}. I had made no purchases. I had cancelled the credit card. Again spent hours on the phone to resolve. Was told charge would be removedXXXX statement came with amount due now {$210.00} having added penalty.Again called to resolve. No progress.XXXX bill arrives asking to pay $ XXXX.More phone calls and assurance it would be addressed. XXXX statement comes with {$300.00} due. Phone call to their security XXXX XXXX XXXX XXXX ) reveals case closed no action being taken. Citibusiness card ending XXXX reissued after fraud ending XXXX. Now cancelled. Name on card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl, 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 monetary relief
Consumer complaint received 2017-05-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I consolidated my loans a couple of weeks ago. I talked to Department of Education several times last week and they stated that I owed nothing to them, and they received a payment the end of  XXXX . I am no longer in default. You would think that would be wonderful, so I just received a call from the mortgage company stating that I was denied for the loan due to Department of Education stating that I owe them {$1.00} which  they ust placed  on my credit reports it took my score down  XXXX  points. Mind you   XXXX    was suppose to pay off EVERYTHING so how did a dollar slip thru the cracks How are they allowed to keep screwing my life up I did my part they go paid and still causing me grief they they are making extra remarks on my report. It the balance is paid just say PAID not pad was delinquent nobody cares if was delinquent that just want it paid.I am so furious a DOLLAR really. I called  XXXX  they stated that I did n't owe them anything. PLEASE PLEASE HAVE THEM CORRECT THIS. I OWE NOTHING TO THE DEPRTMENT OF EDUCTION SOMEBODY SCREWED UP, and I am paying for it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Debt Recovery Solutions, LLC
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In 2013, I terminated service with XXXX DSL as I was moving out of State. I returned the modem to a XXXX store and received a receipt showing the equipment had been returned. XXXX erroneously claimed I failed to return the equipment, charged me {$94.00}, then sent it to a collection agency. Everything has been resolved with XXXX but their collection agency XXXX Debt Recovery Solutions XXXX keeps reporting it on my credit. Twice in the past two years I have submitted the receipt and supporting documents to the credit bureaus and they removed the derogatory remark from my credit report each time, then a few months later Debt Recovery Solutions adds it back to my report and my credit score drops. XXXX no longer allows the collection account on my report but XXXX keeps allowing it to be reported again. I would like to block Debt Recovery Solutions from reporting this erroneous collection account on my credit report. I would also like for them to be reprimanded for reporting false information to the credit bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been trying to consolidate my loans since XXXX of 2015. ACS is saying they are making an adjustment so my loans are showing a XXXX balance which stops me from consolidating. Now while they say I am at a XXXX balance, I am still required to make payments ; they can even send me a schedule of those payments. When I call about the situation, I am placed on hold for over an hour with no one picking up the call. They have not time frame for when the adjustment will be made. They simply say we are working on it and it is our policy to not give a timeline. This is stopping me from consolidating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: RI
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:
account found in my most recently credit report and ive called the creditor and my info isnt found?? but its on my credit report when i did not request any of this 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 2020-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL

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 2022-10-11
Company: Merchants Acceptance Corp
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I called the company in XXXX to ask them to not contact any phone number outside myself and my boyfriends personal number. This is after they had contacted my boyfriends job and given his former boss information about the debt. On XX/XX/XXXX they called my mother and left a message. I again called them and requested they not contact any number about my debt but the numbers I provided and the agent essentially said theyll contact any number they find in a search to try and collect. After I explicitly stated yet again that the only numbers to be used for my account are the numbers we have for our cells. The agents have been dismissive and rude every time I call. It shouldnt be hard to expect my private information to stay private. Or for them to only contact the numbers we provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from Syncb/PayPal. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice!

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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion has illegally and falsely placed an Bankruptcy on my consumer report..I have asked transunion several times to validate the account..THEY HAVE FAILED. I asked them who was the furnisher of this account and they told me it was the BankRuptcy Court ... This is a lie, as I have contacted them and they do not communicate directly with the courts. Transunion is using data which I never gave permission to use from a third party company such as XXXX XXXX or public records database which is not only not accurate but they are not obtaining thin information directly from the original furnisher..This is a violation of my consumer rights and I DEMAND MONETARY Compensation for this violation

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 2020-03-13
Company: Experian Information Solutions Inc.
State: CA
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:
Because I submitted a complaint and keep requesting for XXXX XXXX & Experian to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

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 2016-12-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
looking online XX/XX/2016 at the bank 's statement of my account, I noticed an electronic check that I did n't recognize. It was for the amount of XXXX and the only name on it XXXX. I called the bank and they referred me to call a number listed on their copy of the check ( their new website launched this week, the check copy does n't show a phone number, hidden ). The phone number given by the bank for me to call is XXXX. A lady answered quickly and said that someone had ok 'd a monthly charge online. For what exactly was left unclear. The person identified their company as a handling company for XXXX, and the transaction will be cancelled and a refund issued in a few days. As of XX/XX/XXXX no refund has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo Bank makes it a standard practice with their online bill pay service to withhold funds from a customer 's account at least 5 days before the payment is to arrive to the payee. This practice applies to payments for which the bank must mail a paper check. It seems that the bank holds the funds from the customer 's account XXXX3 days before the check is actually mailed, thereby giving the bank several days use of the customer 's funds before the bank has to actually honor the check and surrender the funds to the payee. Wells mails these checks in unpostmarked, non-dated envelopes preventing discovery of the date actually mailed as well as the location from which mailed. This seems to be an unfair practice of the bank which needs to be investigated and eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MI
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:
i am the consumer by law and my info was misused and handled without my consent by law isnt legal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple letters have been sent out to Experian Credit Bureau. 
Both entities have failed to respond and provide validating information in regards to the collections that are being incorrectly reported as well as inaccurate. I have already clarified my intent to pursue both this complaint and legal action towards the following accounts which were brought to the bureau 's attention : Experian Credit Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Back in XXXX I sent 2 XXXX payments XXXX XXXX! She has A chase account I have XXXX  my complaint is with Chase fraud service! 
XX/XX/2020 I sent her XXXX conf. # XXXX Chase blocked the transaction but hasn't returned my XXXX as of XXXX XX/XX/2020 I sent the XXXX again conf. # XXXX it was blocked again! Chase still has not returned this XXXX! 
She has talked to them I have talked to them multiple times as well! There response was well we have up to 45 day to return the money! Company policy! Not good since it was a XXXX transaction it should've been returned immediately! I am still waiting for my money to be returned! How do I give them a negative mark on their credit for nonpayment?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I have mortgage with Ditech Financial. First, I to express that is not listed on my credit report because they stated that they do not have to report to the credit bureau because it is a line of credit. Then, I ask for a modification, which they offer me XXXX but it only for a year and starting the second year it will go back to the same interest rate which is XXXX and the modification was a XXXX. So I did n't accept because that was defeating the purpose. They also keep sending me a letter stating that I am eligible to waive my late fee but when I call they said I 'm not but I do n't have equity in the home and Im under water because I owe XXXX but the house only worth XXXX. 

Can you please help?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2017-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.

Company response to consumer: Closed with explanation