BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 - I purchased with a merchant using my Navy Federal Debit card. When I received the item from the merchant, it was not as described and did not work for me, and I reached out to the merchant and asked to return it. The merchant agreed that I could return the item for a full refund once they received the item. I sent the item back with the merchant return label, and they received the item back in XXXX but did not provide my refund. I called Navy Fed and disputed the charge, and a temporary credit was given for the {$100.00}. Now, I received an email from Navy Fed asking for more details, and I provided the email from the merchant stating they received the item back. However, Navy Fed has sent a letter to me saying they have found it not in my favor and have removed the credit from my account. I have called NFCU asking them how they are removing the credit from my account when the email clearly says the merchant received their item. NFCU is not protecting me as one of their customers and has not done a thorough investigation because if they did, they would have been told by the merchant that they had received the item back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made several attempts to this collection company. On the telephone, they lie and don't answer any of my questions. I've sent in an affidavit of fraud months ago and I haven't gotten a response from there.

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 2016-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: 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 XXXX days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it may concern : My husband and I ( XXXX XXXX and XXXX XXXX ) are sending a written complaint regarding the bank JPMorgan Chase Bank located XXXX, NJ for the following reasons : When we started with the process of our house loan a representative by the name of XXXX XXXX in XXXX/XXXX/2013 began to assist us. However, for some reason he stopped working at this bank and our entire process was delayed and we were informed that a new representative would be following up with us by the name of XXXX XXXX. However, XXXX never followed up with our case and no one from the bank contacted us regarding our status in the process. I then started to make the calls on my own to find out how the status of our loan was taking progress. This negligence of irresponsible representatives that were assisting us caused a delayed in the closing of our first home. Due to these inconvenences the closing of the house was finally done XXXX XXXX, 2013 when it could have been processed earlier. I would like for you to consider all these neglectfulness by this particular bank and reconsider that as I client of JPMorgan Chase Bank we should have met the criteria to change MIP premium requirements of FHA loans that took effect for those who had a case number assignment date before XXXX XXXX, 2013. I have attached documentation that proves that our process had began by XXXX/XXXX/2013. Please I would appreciate if you reviewed this information and assist me in the best possible way so that we can qualify for the resolutions that applied before XXXX XXXX, 2013. 





Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX stWest New York, NJ XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under F

RCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

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 2021-02-26
Company: Regional Management Corporation
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: Information belongs to someone else

Complaint:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a XXXX XXXX XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have send a letter to Equifax asking them to REMOVE my fraud alert on XX/XX/2022. ( See letter attached ) Not only they did not REMOVE the alert they keep sending me that I am REQUESTING to add an additional year. 

My letter reads Cleary and I want my FRAUD ALERET to be removed immediately, not extended. 

I need help with this company ( Equifax ) actually removing my fraud alert instead of playing games sending me letters to extend it for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was deceived into obtaining mortgage with Citibank by XXXX XXXX. I was promised closing costs of {$1500.00}, and received bill due in the last moment of {$2300.00}, which is {$860.00} in material injury to me. 
Several facts why this constitutes a violation of UDAAP : 1. I am a first time buyer, with no knowledge of mortgage industry or anyone who went through this process and could help. 
2. Since I am not sophisticated enough to understand the large amount of files provided to me. That 's why I asked XXXX XXXX to clarify for me knowing my situation and all numbers how much closing costs will be. See email attached about me asking. In response XXXX called my cell and explained that official papers always overestimate the closing costs, for me it will be no more than {$1500.00}. 
3. If I knew about the real costs of closing, I would have gone to a different bank for mortgage. For example, I have had relationship with XXXX XXXX representative in regards to my purchase. 
4. I asked for closing documents several times closer to the closing date, but received a copy with final numbers only after XXXX of the day preceding closing at XXXX the next day. This is violation of 24 hours minimum disclosure. 
5. I was promised {$500.00} if I sign up for direct charge of mortgage payments from my citi checking account, but was given the full credit only in unsuccessful attempt of remediation of my high closing costs concern. Fact : I did sign up for direct debit. 
6. It has been over 90 days and still no remediation or reimbursement have been offered, although I have received calls about my negative experience and financial loss. 
7. Every time I asked XXXX XXXX a question about costs, he would not reply in email, but call me or ask me to call him ( see text messages screen ). 
I tried emailing the bank for resolution, there are no e-mail addresses available. I called and discussed my complaint with customer service, but noone ever got back to me or tried to resolve this issue.

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 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Due to an audit, my state tax authority submitted an " order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to " orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have not received an acceleration letter from the alleged servicer/lender. 

Per the CARES Act " A federally backed mortgage loan servicer is prohibited from initiating any foreclosure process, seeking foreclosure judgment or order of sale, or executing a foreclosure-related eviction or foreclosure sale for at least a 60-day period that began on XX/XX/XXXX. 

We received 2 sets of foreclosure papers, one dated XX/XX/XXXX and another dated XX/XX/XXXX. 

It appears that on XX/XX/XXXX, XXXX  XXXX  purchased the Securitization : XXXX   XXXX from XXXX XXXX under XXXX XXXX XXXX Then it appears that XXXX  XXXX  sold the aforementioned to XXXX XXXX XXXX XXXX XXXX - the investment bank. 

Additionally, the " Trust '' closed on XX/XX/XXXX. 

XXXX XXXX  advised all servicers to cease using their name to foreclose XX/XX/XXXX. 

We have multiple documents that show that there is a zero balance. 

Also, there are multiple pending appeals in multiple courts, yet the attorney law firm, XXXX XXXX XXXX ( part of the LOGS network ), using XXXX XXXX XXXX XXXX XXXX 

I am/was in a bankruptcy case. The Chapter XXXX Trustee ( office ) entered my unauthorized signature on a confirmation of my Chapter XXXX plan. The Chapter XXXX trustee openly admitted that the endorsement was a mistake. The Bankruptcy Court - still allowed the Chapter XXXX Trustee to withdraw and vacate the plan -- outside the allotted fourteen day window, Also, the former defense attorney ( no longer with the law firm ) entered into the United States Bankruptcy Court - an alleged 9-page promissory note. 

Eventually, the Court provided me with a certified copy of this 9-page promissory note. 

BUT, here 's the crux - I was not at closing - I did not sign a deed of trust or a promissory note -- We have also researched and learned that the alleged notary public was not a notary - at the time ( XXXX ) There are illegal documents recorded in our local County recorders office. 

My automatic stay continues to be violated. 

There remains an active XXXX XXXX on our property. 

Yet, XXXX XXXX XXXX is scheduled to foreclose on our property illegally on XX/XX/XXXX. 

The deed of trust and the promissory note is voided ab initio. 

There is so much more to this story - but this illegal sale needs to be stapped. 

Thank you.

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 2017-02-04
Company: URS Holding, LLC
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX  XXXX  XXXX XXXX or XXXX XXXX for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.

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 2022-07-10
Company: EQUIFAX, INC.
State: DC
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:
Ive got a Bankruptcy on my Credit Report and I inquired to all Three Bureaus.. All which have stated that its accurate, how the XXXX they come up with this?, if The courts dont provide the information?.. Im tired of this XXXX, if there are inaccuracies on my report!.. They should be removed immediately!.. Whats so hard about that?. More importantly!. What was the method of verification?.. Especially, since the courts didnt give it to the Bureaus..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to XXXX XXXX and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.

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