BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX XXXX XXXX lender Fay servicing # XXXX need bank to alleviate the extras fees and expenses that was added for my primary loan for the amount of {$270000.00}. now owing apron {$350000.00} plus {$17000.00} due at the end of XXXX years. Take in consideration this loan had a second mortgage for {$69000.00} that was settle with collection agency. 

Please know that I Purchase property XXXX on XX/XX/XXXX for {$340000.00} XXXX ( second ballon mortgage XXXX ) {$270000.00} ( first ) and {$69000.00} ( second ) I have been trying to be qualify for loan modification since XXXX since that time my primary lender XXXX sold loan to XXXX XXXX XXXX since then I been working with lender for a loan modification ; I Was placed several trials and after handwork and disputing with the bank who took five years to modify my loan I finally got it. In the middle on the XXXX loan to be modify XXXX XXXX XXXX sold the XXXX loan to XXXX mortgage and took long time to finally modify first mortgage. The XXXX mortgage was sold to a collection agency for {$88000.00} approx I thanks XXXX I negotiated and settled the account XXXX Now XXXX added lots junk fees and other fee that not sure where was coming from that make me to dealing with a predator lender bank is adding all the junk fees back to the loan making me owed more that what is the property worth at the current market.. I owed according to XXXX XXXX XXXX approx $ XXXX all modification paper was sent I contacted lender to explain to me in detail where all this extra fees were coming from ; why my loan is more than previous balance when was originated. i understand that was late on my payment but was not my fault when i was paying my trial and bank took long time to finalize the loan modification. Adding too much money for a property is still underwater and now more than previously. I feel that XXXX XXXX is a predator lender and put me in an very bad financial situation. it feels like will never pay this loan its balance will never ended.. Finally I received a letter where XXXX XXXX XXXX sold the loan to Fay financial servicing like it was a brand new loan with a extremely higher amount.. Would like to know if this is not what we call predator lender and why XXXX XXXX XXXX penalized me so hard increment my loan where it would never be paid. An asking the CFPB to please help me to investigate why XXXX XXXX XXXX charged me so much on extra fees making owing more on a property that will never recap its value.. I need to get some reduction on this overcharged /junk fees amount now I have been charge with.. Also my current monthly payment will be increased for the next 4 years to a monthly payment that probably could not afford. 

any help will apreciatethank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS 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 non-monetary relief
Consumer complaint received 2016-09-19
Company: Merchants' Credit Guide Company
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
there is a checking/savings account under my social security number but different name ( XXXX XXXX ) . I applied to open account and Navy Federal said I already have a account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Being reported as being with Capital One since XXXX. The account was with XXXX until XXXX. 
When I received a notice that the account was with Capital One, I called about receiving my new card and was asked about paying a balance from XXXX. I was unsure why there was a balance and the representative I spoke with discussed charges with me including interest, late fees, and unpaid balance totaling over {$30.00}. I informed them of my previous payment and the call center agent said she reset the grace period, reset payment history and interest fees are waived. She also informed me that those changes would reflect in the system in the next 1-2 billing cycles ; and the past due status would be updated in 72 hours ; and the credit bureaus would reflect the changes in 2-3 days. I was given Confirmation # XXXX. 
I checked my credit report frequently but did not follow up since she mentioned the account itself would take 1-2 billing cycles before changes showed. However, in XXXX, I called back in to see why the balance changed, but the 30 day late showed on my credit report. I was then informed that no late payments showed. I then spoke to a supervisor in the credit reporting department and was told it was not Captial One who was reporting a 30 day late payment, it was XXXX. I finally followed up with both Capital One and XXXX XXXX  and XXXX XXXX  stated they do not have any records of my account any longer and are not reporting anything. Once I pulled credit reports from all three bureaus, I see that it is in fact Capital One reporting a late payment. 
Not only had I not received a card from Capital One yet for the late payment they are reporting, but I was also told the 30 day late status was removed over 7 months ago. I have over a dozen accounts on my credit report with as much as a 10 year history and this is the only one reflecting a non-payment or late payment. When I disputed this directly with XXXX, they immediately resolved the dispute as confirmed without an actual investigation. I looked up my dispute number since I hadn't received a notice that the dispute was updated and noticed that the account was marked as resolved on XX/XX/XXXX even though I disputed it online XX/XX/XXXX at XXXX central time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have attached a copy of the accounts that are fraudulent as well as the inquiries that are fraudulent along with a copy of the police reports have sent them to Equifax numerous times for them to rectify the situation however they continue to report the information as being accurate although I have sent in a copy of the police report from the state  and county I  live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.

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 2022-04-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
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 have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased a gift card valued at {$100.00} for XXXX on the XXXX website in the amount of {$98.00} using my Citibank XXXX card ending in XXXX. The card did not work. I contacted the company through their website 's " contact us '' page and emailing a reply to the order confirmation. The company did not respond. 

On XX/XX/XXXX I filed a charge back through Citi.com 's online system. The online system showed it was received, at a later date it showed that the XXXX had been contacted, and on XX/XX/XXXX the system showed that the XXXX had responded and the case had been decided in the XXXX 's favor. 

On XX/XX/XXXX I called the Citi dispute line XXXX about how to proceed. I was told the case was not really finalized and that I would receive a letter through the online system from Citi with instructions on how to continue the dispute if I wished as well as the merchant response. That information never arrived. 

I called the Citi dispute line XXXX again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to alert Citi of this issue where I was not receiving Merchant response and Citi letter detailing how to continue a dispute in the " letters and notices '' section of Citi 's website. I was assured that they would be resent. They never were. 

I emailed XXXX on XX/XX/XXXX about not receiving this XXXX response and instruction from Citi on how to continue with the dispute. 

On XX/XX/XXXX I went online and unenrolled in Citi 's paperless system in hopes that I would receive by mail the paperwork the were unable to provide online. 

On XX/XX/XXXX I received a letter from Citi in the " letters and notices '' section of the website stating : " We previously requested necessary information from you concerning this dispute. We did not receive a complete response to our request. As a result, we have completed our investigation based on the information available. Please contact the merchant directly if you wish to pursue this matter further. '' But I never received the requested information. I never received a response to my emailed complaints about this issue. My many, lengthy phone calls with representatives did not address the issue. I was just told the paperwork would come or should be there online. It never was. I was told that the proper department would be notified of their technical issues. I was told this would not effect by ability to respond to disputes in a timely manner.

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 2022-07-24
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Finance reported XXXX XXXX  loan # XXXX as 30-59 days past due to XXXX, Equifax XXXX and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX dba/XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Finance reported XXXX XXXX  loan # XXXX as 30-59 days past due to Transunion, XXXX XXXX and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.

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 2017-02-22
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
Without notice or explanation, Citi changed my account credentials and refuses to permit me to login to its website. Multiple requests for access have been ignored. I speculate that access was restricted in order to prevent me from paying the account online. Citi 's website purports to reestablish access only if I enter the full account number. This number is unknown as I previously reported by card lost or stolen and requested a new card. A request that Citi has also ignored.

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 2022-04-19
Company: NAVY FEDERAL CREDIT UNION
State: PA
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, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from NAVY FCU on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from Navy Federal Credit Union and I have been injured.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Case number : XXXX Related Case Number : XXXX Overton Lied to Federal Agents, considering the fact that Bureau of Consumer Financial Protection is a United States Government Agency, to lie to an employee either directly or via website, that is the same, in my opinion to lying directly to a federal agent. 

Title 18, United States Code, Section 1001 makes it a crime to : 1 ) knowingly and willfully ; 2 ) make any materially false, fictitious or fraudulent statement or representation ; 3 ) in any matter within the jurisdiction of the executive, legislative or judicial branch of the United States. Your lie does not even have to be made directly to an employee of the national government as long as it is " within the jurisdiction '' of the ever expanding federal bureaucracy. Though the falsehood must be " material '' this requirement is met if the statement has the " natural tendency to influence or [ is ] capable of influencing, the decision of the decisionmaking body to which it is addressed. '' United States XXXX ( XXXX ). ( In other words, it is not necessary to show that your particular lie ever really influenced anyone. ) Although you must know that your statement is false at the time you make it in order to be guilty of this crime, you do not have to know that lying to the government is a crime or even that the matter you are lying about is " within the jurisdiction '' of a government agency. United States XXXX ( XXXX ). For example, if you lie to your employer on your time and attendance records and, unbeknownst to you, he submits your records, along with those of other employees, to the federal government pursuant to some regulatory duty, you could be criminally liable. Source : XXXX The actual lie was stating that my complaint was " baseless ''. Therefore, I respectfully suggest that the compliance officer should be arrested, and criminally charged. ( XXXX XXXX XXXX ) Release the audio tapes to the consumerfinance.gov. It will show that i answered the phone, but I was not verified until long after the debt was disclosed, a violation, in my opinion to title 15 fair debt collection practices act. A possible civil tort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP

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 2022-04-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX XXXX Complaint filed with Consumer Finance as advised by CITIBANK fraud department for the deliberate erasing of transactions by CITIBANK workers. Fraud Department stated CEO has to be made aware of CitiBank workers illegal actions. 
Workers changed voice tone on calls. 
Issued XXXX XXXX Refund missing from my account transactions history and daily transactions are erased. The account holder has to continuously call CitiBank to correct the error and update account information. 
Workers call account RECORD. 
" Do you want to see your RECORD? I am not doing all this time! '' XXXX. XXXX XXXX Spoke with representative XXXX whom acknowledged social security and pin in accessing and managing CitiBank account online. XXXX stated that his " higher supports '' would UPDATE my account to reflect the missing/erased refund transaction from XXXX XXXX in the amount of {$150.00} and {$19.00}. It should take " half hour to an hour, '' said XXXX " I can see the transactions in my computer -- try deleting the app and reinstalling it then you may be able to see the updates! '' XXXX XXXX  XXXX XXXX 's 'higher supports ' have yet to update transaction history. 
Federal Refund has yet to be credited to my CitiBank account. 
My account updates and history erasures are manually completed by CITIBANK workers as per CitiBank Fraud Department ; XXXX XXXX XXXXXXXX stated " XXXX XXXX '' XXXX XXXX word for territory expansion. 
XXXX XXXX  Placed on hold with CITIBANK. Young girl in background with XXXX  accent stated " I am just letting you know we are not busy... we just choose to have you wait! '' XXXX. XXXX XXXX Representative stated it has to update into the account. That they do not know when it would be updated. We do not want to see " green '' on your account history. Thus representative stated speaking with a XXXX under tone in XXXX and XXXX " it might be a glitch on the account we might have you wait 24 hours -- -he is a XXXX! '' XXXX 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 explanation