BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: NEW YORK COMMUNITY BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked NYCB several times to report the correct mortgage account information to the credit agencies for myself and my wife to no avail. Our mortgage account has been opened and paid on time since  XXXX  and they report it as closed. I called them in  XXXX   XXXX  to make the request and they told me I had to send a LETTER via  usps. I un derstand that they need a record of all correspondence, but in this day and age, that is ridiculous! Even the IRS and FDIC has online request submissions. I digress.     I sent a letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Several months go by and no update on our credit reports. I sent another letter on  XX/XX/XXXX  and received a letter from them a month later saying that it will be updated. Waited a few more months  and one of the  credit agencies show the account as open for my wife but only shows the last few months of payment history - still no update on my credit report. I sent another letter on   XXXX   and received a letter from them a month later saying that it will be updated. Today, still no update on the credit reports!     I must say, again, this method of communication is 100 % ineffective. If I could talk to someone on the phone there is at least a remote possibility that I could speak to somebody that could at least explain the problem or maybe even fix it.     I sent another letter today, but am also filing an official complaint as this issue is negatively affecting our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/2022, I was informed by Discover Card by email, that my account was frozen. There was no other information or explanation given for the closing other than it was a business decision. I called the phone number given to me on email and I waited 2 hours for someone in security and never spoke to anyone. I called back later and was given no more information. I demanded to speak to a supervisor and was told I must wait 24 to 48 hours for a callback. It has been 24 hours and no callback. I have a company and all my funds are in that account.I was told It would take 60 days before I would have access to those funds. THIS IS UNACCEPTABLE! I have no access to that account, the statements, the transactions and no explanation as to why.

Please contact me ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
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 disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I signed up for this card and never registered for an account on the website. We made a purchase at XXXX on XXXX. I have tried to setup an account online since that purchase and have been unable to. I have called the customer service line and entered the card and it automatically directs me to the customer service line. It then says it will connect me to an agent but it says they are working to restore service and hangs up. To recap I can not access easypay, register an account and I can not speak to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: AmeriCollect
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I had the misfortune of cashing a check for a fraudulent client on XX/XX/XXXX. That check was for {$190000.00}. From that check under the fraudulent client instructions, I was supposed to transfer {$99000.00} to a made-up vendor 's bank which was located in XXXX. On XX/XX/XXXX, I initiated the International Wire Transfer from my local Chase Bank. 

Originally I was told by the bank and I have a saved Receipt that the funds from the check would not be available until XX/XX/XXXX. However, Somehow someway they were able to initiate the Transfer on XX/XX/XXXX. 

On the morning of XX/XX/XXXX, I found out that the client who I believed was legitimate was in fact fraudulent, and had been running check fraud schemes since XXXX. At this point, I called the bank to alert them, and to cancel the wire transfer. Until that point, all of that money in my account was usable ( I'm assuming they might have cleared it, but I don't really know ). 

The bank rightfully removed the {$190000.00} from the bounced check. However, the issue now lies in the {$99000.00} international transfer that was initiated on XX/XX/XXXX. They said they were doing an investigation and simply couldn't reach the other bank, so I should reach out to them. I know from keeping in contact with the fraudulent client ( who doesn't know I've figured him out and reported him to the FBI ) that the funds never arrived. I currently have $ XXXX in my business bank account, because I was lucky enough to move the small amount of money I had in the account out of the account, but obviously, the negative balance impacts my business 's credit and I also believe interest on it continues to accrue. 

If I were to pay Chase the amount they are claiming I owe, they would be unjustly enriched by {$100000.00}. Not only do I believe that is a wrong and unfair business practice, but it also hurts me and my XXXX. My XXXX  is brand new. I started it in XXXX. There is no way I could pay for that. 

When I try calling my local branch, they ignore my phone calls. I tried using their " secure message center '' but they send me the same bogus message telling me they've received my message and that they will give me a call. They call me at random times throughout the day and never leave a call back number. For almost a month I've been trying to get in contact with a live person about this issue and all i get is automated messages telling me to message them or go to my branch. When I go to my branch they tell me there's no way they can get in contact with the transfer people. It's insane to me. As a person who's never seen {$100000.00} anywhere but the movies this is terrifying for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sold my home on XX/XX/2019. 

Specialized Loan Servicing in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling SLS this and they keep trying to collect money from 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 explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2016 I ordered a trial size of XXXX dietary supplement from what I thought was a XXXX web site, which was actually an impostor. I paid {$4.00} for that transaction by Citi credit card on this fraudulent site. At XXXX I received an email confirmation from XXXX for this single transaction. 
The Seller, which was identified by Citi as XXXX : XXXX, represented by XXXX XXXX and XXXX XXXX XXXX were running this fraudulent web site with fake testimonials, where I bought from, which was designed to imitate official looking XXXX website complete with XXXX logo and layout XXXX The web site is no longer operational. But judging from the other customer reports on XXXX this scam might be run by multiple sellers on multiple short living web sites. 
XXXX provided a description of this scam on their web page XXXX On XXXX/XXXX/2016 the Seller made an additional charge of {$89.00} using the same credit card I supplied with the first transaction, now for subscription, which I did n't authorize and disputed with Citi. 
The Seller responded to the Citi request providing information from their real web site XXXX, claiming that I ordered subscription from that site, which I did n't. Citi declined to issue a credit for this fraudulent transaction.

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 2017-01-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Prior to Navient splitting off and while dealing with XXXX XXXX I was continually subjected to hard tactics by XXXX XXXX. My loan was put into forbearance multiple times and whenever I would get back on track, of course all kinds of additional fees, charges, penalties, taxes, etc. were tacked on - to the point where my CURRENT balance is almost DOUBLE what I actually borrowed. I 'm paying and have not missed a payment in several years. My lowest balance loans should be paid off later this year. My other loans will take some time. 

The amount I borrowed was {$17000.00}. My outstanding balance is {$34000.00}. 

I realize that I took out a loan and I am responsible for paying back that loan AND I FULLY INTEND TO, but the amount of fees, charges etc., taxes, interest, etc. amounts to nothing more than racketeering and extortion. 

I am currently using IBRP and am happy with what I currently pay - in fact, I 'm paying a little extra when and if I can to chip away at my balance. I 've employed the XXXX XXXX " Debt Snowball '' in paying off my husband 's and now my student loans. I do n't want my payments to change - but I think the total amount owed is extortion. 

Oddly enough, I filed for a Borrower 's Defense in late XXXX hoping to get part of my balance discharged and I have not yet heard the results of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of 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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b,  Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry 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 2022-02-27
Company: Experian Information Solutions Inc.
State: FL
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:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX CXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Card on XX/XX/XXXX XXXX XXXX on 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 2021-02-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We initiated the mortgage refinancing process with 5/3 on XX/XX/XXXX. We sent the check for the loan application during this time. The communication with our loan officer and the exchange of documentation was consistent until approximately XX/XX/XXXX. 

As of XX/XX/XXXX, I had sent 3 emails to our loan officer requesting updates on our refinancing. We were finally told our mortgage application was being evaluated in detail and awaiting the initial underwriting review. On XX/XX/XXXX, we received an email that the loan was received from underwriting and with a new processor. 5/3 processing delays and internal policies required our credit report to be run AGAIN. It is common knowledge that each time a credit report is run, it then alerts others who are reviewing credit ( and can be deemed negative ). 

We received closing disclosure documents on XX/XX/XXXX. Per the email 's directions, we requested follow-up information from our loan officer ( the amount we need to bring to closing, the name that should be entered as the payee for the cashiers check, the closing date, the process for closing ). The loan officer replied that he could not " map that out '' at this point, and the title company and the banks closing department needed to review these details once the loan received full approval and finalize final figures. 

I sent follow-up emails and placed phone calls on XX/XX/XXXX, XXXX, XXXX, and XXXX. I can not get adequate support to close this loan. I paid the fee over 7 months ago, the bank has run my credit report multiple times, and each month this loan remains open is an additional month that we are paying a higher mortgage rate than the rate 5/3 agreed to guarantee us as a result of this refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Under my personal information, it states that I worked for a laundry company. I have never worked for a laundry company. I have no idea why this would be listed on my credit report and question if any accounts were open under my account that do not belong to me. Please remove this employer.

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 2022-07-09
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company 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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Over the past one and a half year, Capital One has charged me abusive interest 3 different times. One 's understanding of their terms, which is similar to many other credit card companies, is that, as long as you don't carry a balance, or pay the full statement balance, you shouldn't get charged interest. Capital One has charged me interest for 3 billing cycles because of one residual balance I carried until the next month. In the other two instances, I was charged interest for months for zero reasons. I tried to ask them to clarify these situations to me over the phone.

For the most recent incident, ( Interest charged from XXXX - XXXX in the total amount of {$64.00} XXXX they went over it and had the nerve to tell me that yes, it can take three billing periods until they stop charging me interest for a balance not paid in full. Wow!

I asked them to clarify the other two incidents and they refused to.

These were : 1 ) XXXX - XX/XX/XXXX three months ' worth of interest in the total amount of {$77.00}. This came from nowhere, because from XX/XX/XXXX until XX/XX/XXXX everything was paid in full each month. 
2 ) XX/XX/XXXX - XX/XX/XXXX I got charged interest for FOUR consecutive months in the total amount of {$98.00} because I carried a balance from XXXX until XX/XX/XXXX ( a month!! ). 

This should be ILLEGAL. This predatory, back-stabbing company has charged me interest up to my neck, for rare occasions when I'm not able to pay the statement balance in full. They take advantage of the customer by punishing with abusive interest charges for 3-4 months for a balance that is no longer there, but was at one point. It's enough I have to pay for their annual fee which gets charged every single XXXX, then I'm hit with abusive interest. I've never done cash advance and I don't think I've been late on my payments in over 5 years.

Company response to consumer: Closed with explanation