BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020, CITI CARDS/CITIBANK Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2016-04-19
Company: Esser, James & Associates
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A company called Esser James & Associates LLC which is not even licensed to collect debt in my state keeps calling and has left voicemail demanding I call back to record a statement of intent or they will begin litigation ( I believe its illegal under federal law to threaten like this? ) Anyways I have called them and told them they are not licensed in my state and continue to call and threaten. The debt here a majority is a result of identity theft and I have not paid on the balance since the company will not correct it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Southwest Credit Systems, L.P.
State: GA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After disputing my criminal background history with the background investigation company they still report inaccurate negative information to perspective employers. The company failed to verify that the information matches completely with all my personal information given. They also failed to acknowledge ( FCRA 605 ( b ) ( 3 ) ; in which the length of time to report negative information, which is supposed to be a length of 7 years for negative information and unless the position applied for also will make over the amount of {$75000.00} per year, per FCRA laws and regulations. The company also investigated beyond the 7 years I agreed to within the credit reporting application and reported information beyond the scope of my signed authorization to investigate with the annual income limit. The investigation company also failed to comply with FTC laws and regulations with the reporting of the information to verify that the factors of the crime is " disparate impact '' and " not job related and consistent with business necessity '' before making a decision or informing the perspective employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
M & T Bank wouldn't let me make any withdrawals from my account so I asked them to close my account XX/XX/XXXX. I spoke with the XXXX branch manager and she told me that the account would be closed immediately and that I'd receive my check with the balance of {$1500.00} by XXXX  XX/XX/XXXX. It is XX/XX/18 and I still haven't received those funds, nor have I received any notification of my funds being sent to me. The only proof I have is the recording I made of this call.

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 2016-06-21
Company: BANKUNITED, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I keep getting calls from blocked/restricted numbers for which I send to voicemail. They leave a message saying call BankUnited at XXXX. They leave no name, no department, and no information what it is regarding. When I call the number, they immediately want my name, social security number, loan number, date of birth, property address. This is an extremely wreck less practice in 2016. There is no way to verify that this number belongs to BankUnited. The number does not appear on any website. There is no way to verify is this is a scam, yet they want my personal information. I instructed them not to call me anymore for which I continue to receive phone calls. I did verify by calling the main number that it was their Modifications department but they refuse to give me any information. It 's very irresponsible for BankUnited to be conducting business this way on the phone and soliciting people personal information for verification when there is no way for the person calling in to verify that it is legitimately BankUnited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Have a Problem with TransUnion there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on 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 explanation
Consumer complaint received 2021-06-18
Company: Netspend Corporation
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A card was issued to a false name using my address. I called NETSPEND got an agent and was told they could do nothing about the issue. I have lived at my current address for 25 years and XXXX XXXX ( name on card ) does not live here and never has. NETSPEND claimed they buy their lists for outside parties. Our family had a cyber breach recently. Concerned some advanced scam is in process.

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 2015-05-12
Company: APPLE RECOVERY, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They called about a person I do not know and a loan that does not belong to me. The representative refused to listen to me and to remove my contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Absolute Resolutions Corp.
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I requested payment relief, and it was granted to me. Terms were that I would pay {$50.00} per month for the next 3 months, and then resume regular monthly payments. I have paid the XXXX each month, but I have been recieving letters, multiple phone calls daily from a collection agency, and it has been reported on my credit report that I am past due on my payments. This is the second time this company has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Collection Resources, Inc.
State: NM
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 have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved Collection Resources, XXXX, XXXX, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from Collection Resources on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from Collection Resources and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Shame on you CFPB for thinking an answer from Ms XXXX XXXX, Office of the Chairman who lied and/or reflected incompetence was a suitable response. 

Ms XXXX, I feel purposefully misrepresented herself in her response. She claims that said that some of these charges were duplicates. I NEVER SAID THAT. 

So ... let 's try this again. And you need to hold Citizen 's accountable. 
Disputes at Citizens Bank were not handled properly. All 3 disputes were denied, 2 claim numbers, but 3 disputes total. // There is no way to contact Citizen 's disputes department. I received 1 call from a private number, so of course I didn't answer ; from XXXX man with thick accent, claiming to be a Citizen Bank employee, telling me in an indifferent scripted tone, without any reference to a claim numbers, that " services were rendered ''. THIS IS FALSE. They aren't even all services.// After resubmitting my disputes I was told I would received 2 calls from disputes since there are 3 disputes and 2 claims numbers. I only received 1 call/ voicemail from a private/restricted number. What bank doesn't have a real claims department to contact? // Claim " A '' number XXXX totaling {$71.00} = 2 items. ITEM # 1. {$58.00} XX/XX/2021 is counterfeit XXXX XXXX makeup from an XXXX store offering money back guarantee. They REFUSED to give me my money back and now claim I am beyond the 30 day guarantee. At the time I was sick with XXXX XXXX. Scam XXXX store is called XXXX and is not related to the national chain XXXX cosmetics in any way, which I recently learned. As of XX/XX/2021 I learned this store is now closed for its scams. XXXX KNOWS I WAS SCAMMED AND REFUSED TO REFUND ME. CITIZENS BANK KNOW I WAS SCAMMED AND REFUSED TO REFUND ME. ITEM # 2. {$12.00}. A company to boost my social media followers sold me profiles of children in 3rd world countries. Claim " B '' number XXXX {$140.00} XX/XX/2021 XXXX purchase XXXX XXXX XXXX The employee dyed my hair a dark shade of blue. I wanted platinum blonde. She put too much blue in the toner and walked away from me. Normally I do my hair myself and told her to be careful not to dye my hair blue, which she proceeded to do. Due to XXXX XXXX XXXX I sought her assistance. She then cut, without my consent, my hair short due to my hair then being dark blue. I asked for the manger to call me and to date the manger has refused to do so. I made disputes with Citizen Bank. I refiled the disputes. The dispute department refused to allow contact or to even acknowledge the claim numbers upon 2nd dispute. I emailed XXXX whom to date has not responded back. I made them aware they are now part of my complaint to you. Please assist and hold Citizens Bank accountable to protect its consumers. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I set up autopay for my student loan weeks ago. I set it the autopay for the date the bill was due. My due date was two days ago and my autopay has yet to be debited from my bank account. I am now considered late. Late fees have been applied. This payment is now reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX XXXX placed a chargeoff on my credit claiming that I had an account with their company with account number XXXX. I have never resided in Texas nor have I ever given anyone permission to obtain utilities in my name. According to the entry on my credit report, it states that the account was opened in XXXX of XXXX and charged off in XXXX of XXXX. I researched the address where the alleged service was located ant it was in a trailer park in Texas. I am a XXXX  XXXX with impeccable credit and have never received such service or lived in a trailer park in Texas. Nor do I know anyone that lives in a trailer park. This has caused my score to decrease by 111 points and I was about to close on a home and purchase insurance but unable to do so since you put this fraudulent information on my credit. XXXX completed its investigation and determined it was fraud. Notice was sent to them by both XXXX XXXX and myself via certified mail requesting that the item be removed. Yet it still remains on my credit. 
I want the CFPB to publish this description on consumerfinance.gov so that

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 2016-01-25
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There was an update on an address that was just updated and its not mine I want it removed and investigated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS withheld material information and thus perpetrated a fraud by not disclosing the information provided in Mortgagee Letter XXXX and the fact Sheet : " Biden Administration Announces Extension of COVID-19 Forbearance and Foreclosure Protections for Homeowners '' both published XXXX XXXX. Those documents proclaimed : " Today, as part of the Presidents commitment to deliver immediate relief for American families bearing the brunt of this crisis, ... .announced an extension and expansion of forbearance and foreclosure relief programs. 
These critical protections were due to expire in XXXX, leaving many at risk of falling further into debt and losing their homes. Now, homeowners will receive urgently needed relief as we face this unprecedented national emergency. Todays action builds on steps the President took on Day One to extend foreclosure moratoriums for federally guaranteed mortgages.

The actions announced today will : Extend the foreclosure moratorium for homeowners through XX/XX/XXXX ; Extend the mortgage payment forbearance enrollment window until XX/XX/XXXX for borrowers who wish to request forbearance ; Provide up to six months of additional mortgage payment forbearance, in three-month increments, for borrowers who entered forbearance on or before XX/XX/XXXX. 

Instead of extending to forbearance from 11 months to 18 months as the Biden administration directed mortgage servicers to do, SPS chose to ignore the above declarations by withholding material information that would save homes from foreclosure and instead forced struggling homeowner into a reduced payment scheme ( UP ) that would result in large balloon payment that would cause homeowner to default on there loan and allow SPS to foreclose on the equity rich homes and profit from fees that SPS would collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: AES/PHEAA
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 private loans are being serviced by American Education Services and I recently defaulted on a loan. After my loan defaulted I was told by an American Education Services representative that there were options available but it was too late now. I called weekly before the default to see what options were available and was always told no options were available to lower payments or interest rates. Loan payments are {$1500.00} a month, I can not live on making {$300.00} a week payments. Need a way to consolidate my private loans and lower the payments. 

Recently featured in the local paper about the difficulty I have been having dealing with American Education Services. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5XXXX XXXX 6.XXXX  XXXX  XXXX XXXX 7XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXXXXXX 9.XXXX  XXXX XXXX 10.XXXX XXXX XXXX XXXXXXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Delta Management Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On  XXXX   XXXX ,   XXXX  , I have started receiving BLOCKED CALLS at my JOB from Th e Delta Management  company, a collection agency working on behalf of ASA. The lady left voice mails for me to contact them.     I began receiving at leas t 3 calls per day. I do not answer blocked calls at work. This has caused a lot of mental anguish to me and my supervisor monitors my calls to where this may  cause me problems with my employer.     I reported the name and number left on the voicemail to the DO NOT CALL website.

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 2015-09-16
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Previous CFPB compliant XXXX. 
NCTUE claimed to have mailed consumer report on XXXX/XXXX/15. 
No consumer report was ever received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute to Experian in regards to my inquiries on XX/XX/XXXX and I still havent got a response in regards to any of my inquiries that were listed on the letter.

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 2021-06-18
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I went to a XXXX XXXX and tried to apply for their credit card and when asked for my social security, it showed on their screen someone was already one file with the same social security. And they told me I could get the credit card because someone already had one under my social security.

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