BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On   XXXX   XXXX   , 2017, I at tempted to pay o ff one of my two cons olidated loans serviced by  Navient. Navient  's web site makes it impossible to designate my payment to  one of m  y two lo ans. It automatically selects a loan and I want to pay off the other  one.  As a result, I have to mail my payment. Mailing increases the interest I will have to pay to  Navient  because I can not pay it off immediately and Navient will charge me interest during the delay. In addition, it is nearly impossible to obtain information on their web site regarding pay off methods. Indeed, there is no option in the payment section to pay off a loan. It is clear that they want to make it very difficult to pay off a loan early in order to discourage pay offs.  <P/> This is the second issue I have had with Navient - several years ago they changed my payment amount, which would have extended my repayment duration, without authorization or notice - until the new payment amount was deducted automatically.  <P/>  Navient  is not borrower-friendly and this is a detriment because these are student loans, which are effectively required to attend college or graduate school and lenders and servicers can not be chosen as they can for mortgage or other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: EQUIFAX, 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:
I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Ability Recovery Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ability Recovery Se rvices is reporting accounts on my credit report that do not belong to me. After checking my credit reports I noticed several invalid accounts being reported. I immediate disputed the accounts.  XXXX  fraudulent accounts reported by Ability were removed however they continue to report on another account. I filed a complaint with the Better Business Bureau and they responded requesting i submit a document confirming my identity. I submitted the document but company has not responded. They are continuing to report this erroneous account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: PACIFIC PREMIER BANCORP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since 2010, I had/have checking accounts with XXXX XXXXPacific Premiere Bank. I can not access my accounts online and it blocks me " each and every week ''. If I am unable to access my accounts, then I can not realize, if the balances are low. With its predatory practice, bank quick returns checks and collect NSF fees after NSF fees, while it is their fault that I can not access my accounts online. This is the only bank that I have problem with. I have told them about this problem for about last 2 years. It was mitigated that I was able to go to branch and find out my balance. Now with COVID-19, I can not /will not go the branch. So the first problem is access to my accounts online. Second problem is that my interest calculation by the bank is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-03
Company: RevSolve, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon recently checking my credit reports I noticed a medical collection by  RevSolve  for the amount of {$650.00}. I immediately contacted original creditor and was informed that the original debt in question was for treatment for my daughter however her insurance covered the debt. I then disputed with credit bureau to have Revsolve remove the debt, however,  Revsolve  allegedly " verified '' the debt. I then called   XXXX  Hospital  in regards to the collection activities and was notified that the debt has been paid and request has been submitted to Revsolve for removal of the account. I then filed a complaint with the    Better Business Bureau  as the company has not removed the collection. Revsolve rep responded with a request for an indefinite  HIPAA  disclosure  ( Release of Information ) to  be signed by me. I refused the request stating that I would not authorize the disclosure of information I never authorized them to possess in the first place. They did n't request my authorization when they reported to the credit bureaus either. However,  Revsolve  has not responded and the account is still on my credit report as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I  XXXX   XXXX   XXXX  an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for  XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of  Ally  's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had  XXXX  and had to get  XXXX  for it and fell behind on his payments because of this. I advised the agents that I go back to work  X/XX/2017    and will be able to make a payment on  X/XX/17   . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the  XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for  Ally  bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.

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 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to save my house. 
I failed behinds because my wife had a XXXX XXXX, I needed to look after her 24/7, and take care of my XXXX little kids. 
On top of it, the pandemic started, and my business shut down, and I have no income. 
Extenuating circumstances I wasnt able to work, but now I start working again, and I could afford to make my payments and take care of my family. 
Please help me, I dont want to loose my house and be HOMELESS. 
I have first and a second Morgage The second Morgege is with XXXX XXXX XXXX XXXX Account number 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: Google Compare Credit Cards Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I reached out to the team at GOOGLE XXXX  about my homes thermostat app no longer working properly This no longer allowed me to change my homes temperature remotely. I was then informed by a team member that my unit was part of group recall. 

I asked what would be the protocol with swopping out the defective units. I was then informed I would need to pay nearly {$300.00} up front first, then send the unit back before they would release a new unit out. Once the new unit was sent out I would get a refund once the old unit pass through inspection Thus I was completely shocked with the companies remedy to fix a know problem. I then asked to escalate my concerns to manager because I didn't feel like the fee was fair to me the consumer. 

Its now XX/XX/XXXX and I still haven't heard back from a manager. I have called back several more times speaking with different associates, yet no manager.

My units internal battery now randomly dies, thus not allowing me to check the temperature in my home for 3-5 hour while the unit recharges. 

Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello. 
My XXXX year old mother died this XXXX past. 
XXXX of XXXX, who cared for her in her final years, forwards her mail to me. 
Along have come statements for two distinct XXXX XXXX XXXX XXXX accounts, one with a balance of $ XXXX and the other, $ XXXX. 
I mailed a letter, a notarized death certificate, a copy of my birth certificate, a statement copy, and a copy of a check my Mom made out to me. 
In return I received a letter acknowledging these contents and saying the XXXX XXXX manager had ownership of the process. 
But after a month I had heard nothing, and the phone number provided is never answered, with no voicemail option. 
So I wrote TCF again and received a completely non-sequitur letter in response. 
At this point I suspect TCF is delaying the process till the accounts can be declared abandoned, and the funds absorbed by the bank.

I have no idea who my Mom may have named as POD and I have no issue with whomever it is. 
But new statements show that TCF is still charging the account fees, even though they have acknowledged my Mom 's death in writing. 
And so TCF can not be trusted. 
I am hoping there is a CFPB process that will require TCF Bank to show they have exerted due diligence in getting the money where it belongs. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX I opened an account with Citi Bank. I deposited a check in the amount of {$10000.00} into my account. I waited the required 10 days for my check to clear which it did. I was using my card to make gas purchases, pay bills and the such. I made a purchase from XXXX in XXXX of XXXX I believe in which Citi Bank called my phone and asked me was I making a purchase in which I stated to them yes and verified my information. A few days later Citi Bank contacted me and told me that they were closing my account and I ask why In which I was told they had to review my account. I stated to them that if they were closing my account please refund my funds which at that time was {$7600.00}. I was told I would be contacted in XXXX business days. I recieved a letter a month later stated that my accounts were restored but they still had a hold on my funds and the it was closed again in XXXX of XXXX. As of XXXX until now, XXXX of XXXX they have had my funds and send letters occassionally were funds were taken out for different fees but I still didn't have access to my money. I was sent a letter, XXXX of XXXX about my closed account and that now my balance is {$3100.00}. I immediately called Citi Bank at theses numbers XXXX & XXXX and was given no help and the runaround after spending over 3 1/2 hours on the phone with them. They didn't even want to look for my account and kept saying they couldn't find it and send me to another department in which another CSR Rep finds everything in my accounts but my money and then tells me I'm in the wrong department and sent me elsewhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Knight Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Knight Adjustment Bureau is ruining my credit by fraudulently saying that I owe a school money when I spoke to the owner of said school and have in writing from the owner that I owe their school nothing. The owner of the school also told me in writing that I was not sent to collections by their school. I submitted proof to the agency and told them that what they were doing was fraudulent and I finally got them to remove the collection on XX/XX/21 but then on XX/XX/21 they put it back on my account and destroyed my credit all over again. I am suffering from XXXX XXXX XXXXhat causes physical XXXX XXXX  and all of this stress has made me extremely ill. I dont know what else to do, Ive been trying to fight it for a long time and Ive received no help. This is a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX XXXX XXXX XXXX man with XXXX XXXX, and my source of income is Social Security XXXX XXXX. A new Personal Care Attendant found my checkbook and forged numerous checks which totaled {$7200.00}, all of my savings. I discovered this with the first bank statement that included the forged checks and immediately visited the Citizens Bank branch in XXXX and saw XXXX XXXX XXXX to report the forged checks. At that time I closed the account and opened a new account. XXXX XXXX told me the amount of the forged checks would be returned to my account. After a few weeks I did not receive the funds, and was then told that I hadn't filed a claim in time and that it was too late for them to return the funds to me. We have appealed this to the Chairman of Citizens Bank as it was their bank that cashed the forged checks, but there has been no response. 

Attached is a letter contesting the denial from my brother-in-law, and copies of the forged checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: Bliksum, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
The account was charged off of with XXXX XXXX  in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation.

Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX   told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest.

In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received the new Way2Go Card for the Wisconsin Child Support Program - they changed from Eppicard as well as the prior card was due to expire. I have tried to use the card to pay a bill online and it says that my zip code is incorrect. My zip code has not changed. I went to their website and confirmed my zip code was correct. It had several zeros after my zip code of XXXX. I attempted to reinput my zip code and the system added the zeros. I don't know if that is the problem. I called the number on the back of the card XXXX multiple times and there is no way to speak with a person, it is all automated information. The card works in stores, but not online. There should be an option to speak to a person to resolve real problems.

Company response to consumer: Closed with explanation