BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-04
Company: ERC
State: OH
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:
Enhanced Recovery Company , LLC, XXXX XXXX XXXX, XXXX, FL XXXX. On XXXX XXXX, 2015 the said collector sent me a notice of some alleged XXXX-year old debt of {$97.00} from XXXX. On XXXX XXXX, 2015 I responded with a dispute letter. The collector in question has never responded to me with the required by federal law verification of my alleged debt after my dispute. Instead, they just went ahead and filed a damaging report of this " debt in collection '' with credit bureaus. I wonder do we still live in a country whose citizens must abide by law and why some people think they are immune from so blatantly braking the law?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have roughly $ XXXX of Student Loan debt, $ XXXX of which is Private through Navient. All of my loans are cosigned by my XXXX year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - XXXX ( she dips into savings every year ). My mother has cosigned XXXX of these loans for {$11000.00}. She too makes little ( she works for XXXX XXXX ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for {$140000.00} - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. 

Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a XXXX year plan right now but I need to extend to at least XXXX. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with XXXX XXXX to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not authorize these inquiries. 
SERVICE LOAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MS
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 XXXXXXXX XXXX XXXX XXXXXXXX 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 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 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Bank of America has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.

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 2018-05-30
Company: BARCLAYS BANK DELAWARE
State: IL
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:
My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Late/Closed : XXXX XXXX Balance {$0.00} ; Charge-off : XXXX DEPARTMENT STORES XXXX Balance {$1700.00} ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00}

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 2019-03-07
Company: EQUIFAX, INC.
State: TN
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 writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an Act of XXXX to get the BK Courts to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand EQ XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and  completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/19, at approximately XXXX hours, i responded to a XXXX  advertisement selling XXXX XXXX XXXX XXXX tickets. The seller, who referred to himself as " XXXX XXXX XXXX '' and used cell phone number XXXX, told me to use the Chase bank " quickpay '' application to send him the money, and he would then forward me the tickets. After forwarding {$280.00} to his email address ( XXXX ) and bank account, i stopped receiving communication from the seller. I contacted my bank ( JP Morgan Chase ) and asked what they can do to investigate the sellers bank account and they refused to investigate. I thought that since the quick pay was apart of Chase 's application, they would protect any fraudulent activity that occurred on their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TN
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:
Im Accordance with the fair credit reporting act XXXX account # XXXX Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.

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 2020-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I submitted a letter to Experian That I was awarded within arbitration from the creditor of inaccurate information to account. Attached is a copy of dispute request sent to Experian along with Court document of awarded arbitration settlement. I received report back from Experian who in turn did not follow the agreed terms of settlement arbitration and per request has not deleted inaccurate information on my credit report with them. I advise by Experain that they attempted to investigate with creditor and or third party source which no evidence was found by either creditor or third party. Experian attached letter has requested me to reach out to creditor which not contact is available. Hence, reason of attached awarded arbitration settlement. I have requested that any and all items for such creditor be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: MD
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:
Under 28 USC 3002, Section 15 ; I'm invoking my specified remedy as a Federal Corporation member of the United States as the original creditor/consumer. I'm also invoking my remedy under 1602 USC ( G ) ( J ) my rights to " MY '' open ending credit plan. These creditors has violated my rights under 15 USC 1681 ( a ), Section 602 ( A ) ( 4 ) respect for the consumer 's right to privacy. They are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2021 closed account.Capital One stated that they had sent a {$260000.00} cashier 's check by a first class mail to our address. They weren't able to give me any sort of tracking number I don't think.l That they ever sent it. Weeks later we never received it. Contacted Capital One and they stated that we had to sign an affidavit that we never saw the check and then they would reissue another one or transfer it into an account for us within a week. I did sign the affidavit with said that they have up to 90 days to give us our check. It also states that they can at their discretion give you a check at any time. I have been trying now for 3 months to get this money and it has gone up the corporate chain and they have decided that they do not want to give me my money so I was left through XXXX XXXX XXXX XXXX the worst of the pandemic so far without this money that I needed desperately. This is my third complaint and all they say is in their responses that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I received a notice from CITI that my Bloomingdales card, which I have n't used for a while, was enrolled in the " Credit Protection Plan ''. AND I was being charged {$.00} for every {$100.00} of balance, whether or not I was late. This was news to me? Never did I realize I had such a charge or signed up for this " Credit Protection? " I immediately called the number to unenroll and on the phone asked when I signed up, they said 2009? I then asked how much I had been charged to date and they said, " {$110.00} ''. I was pretty mad to know that they had charged me over the years and only wondered how many others this had happened to? I kindly asked for a full refund of the {$110.00} to which he said, " No. '' These deceptive practices may have been caught earlier by me if I was using the card regularly. I trusted Bloomingdales and trusted they would n't be charging me extra fee 's like this. I am very very upset that they would do this and not admit to the deceptive practices and refund me this amount. So I am turning to your agency.

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 2020-06-10
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I initiated a transfer between bank accounts ( XXXX XXXX XXXX & Citibank ) on XX/XX/2020. Transaction was cancelled same day. 

On XX/XX/2020, the amount was deducted from my XXXX XXXX XXXX account. Money was never transferred to my Citibank account and the transaction shows that it has been cancelled.

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 2022-05-15
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a long struggle I was approved for a loan modification for my Bank of America home loan which was originally a countrywide loan. I made the trial modification payments and XXXX regular monthly payments. 
I received a letter standard delivery mail on XXXX XXXX from Bank of America, that my loan would now be serviced by a XXXX XXXX XXXX XXXX on the following month, with not much detailed information. 
I followed my mortgage details online on the BOA website until no loan data was available on the XXXX ... and still no letter from the new service XXXX. Concerned I called Bank of America at the beginning of XXXX, who gave me no information other than the number of XXXX. I called the XXXX help line on the XXXX of XXXX and they said I should receive a welcome package, and I asked for the website information. 
I immediately navigated the website which was difficult to find where to create a new customer account only to find it could not be done yet. I tried again on XXXX and was allowed to create and see loan information. In that loan information the loan shows an addition to the recent principal of XXXX $ with no explanation of the fee, just named principal adjustment and it also shows the next interest adjustment as XXXX with no info as to what that will be, and certainly not what my modification agreement detailed. Still no welcome package received ... no statement, no information about the additional fees or who agreed to them. The original principle of this XXXX loan which at the peak of the real estate boom has now climbed to XXXX with the new servicing extortion. 
I am feeling completely victimized by this process from the original countrywide loan, to the incredible hurdles to get the modification, and now be at the mercy of more predatory loan nonsense. It 's uncontainable. I went through the home loan modification program with hope that my own tax money would help correct the injustice that was this home loan from the start, only to have the relief of being " approved '' to now be just a gateway to more predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.

Company response to consumer: Closed with explanation