BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried to defer my payments while I was in school, but they said that they would not defer on XX/XX/2020. I am trying to buy a house and it is defamation to my character and livelihood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in contact with mr cooper going through a re modification I was notified XXXX via mail my modification was missing 2 documents that were due by XXXX I emailed them the morning of XXXX and got confirmation the modification dept received my documents. Later that night I was notified by a " house flipper '' not mr cooper my house was being auctioned off the next day!! Even after mr cooper acknowledged receiving my documents they attempted to auction my house without any notices sent to me my documents are not even due till XXXXi am a mother of XXXX full time employment and was told to file for remodification by Mr. Cooper 's upper management and in return they try to auction off my house without giving me the chance of my read modification to go through to be excepted or denied and did not notify me of anything in anyway shape or form and told me this morning that even though I am in we modification that they can still auction off my house which is not legal in the state of Michigan my home did not sell in the auction today and with the mis representation of mr cooper and lieng to me I have retained legal counsel today for arbitration all I want is to remodify my mortgage and continue paying on my home like I have the past 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Paypal credit through synchrony bank changed my credit due date unilaterally, without my knowledge or consent. Then they charged me a late fee because I made a payment on the date I have in my calendar, which turned out to be one day late. I believe this is a deceptive emerging pattern of practice because I always pay off this particular card within XXXX mo of purchase because they offer 0 % interest if paid off within 6 months of purchase. By changing my due date, they can then start charging me back interest due to an alleged breech of terms. Please look into this CFPB

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 2022-09-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My Personal information was found compromised. I recently discovered that someone had opened an account with XXXX XXXX under my name. Below is the account info : Experian Report number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Current Balance : {$8200.00} My personal info was found in a data breach with XXXX XXXX XXXX. 
Filed a report with the Federal Trade Commission Report # XXXX This violated my rights under the FCRA 15 U.S.C 1681 605B.Block of information resulting from identity theft 605B - 15 U.S.C. 1681c-2 ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-05-18
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I closed on the refinance of my home, subsequently I wired funds from that closing in the amount of approximately {$120000.00} to a new Citi XXXX XXXX. The funds were listed as available and I began using the account immediately. There were no notifications in the online portal, via email, or via postal mail that there were any issues with the account. 

I wrote a handful of checks and also paid off a few credit cards. Roughly a week later checks started bouncing and I realized my payments were not going through. Of course, all my payments except the one to my Citi credit card, that payment wasn't a problem for them. 

After spending hours on the phone the only information I could gather from customer service is " your account is frozen '' they can not tell me why this is the case. Over the next week I called multiple times until I was told my account is being closed and, pending an investigation, I will receive a notice and a check for the funds in the account. I have been locked out of my account for a month and can no longer verify the presence of my $ XXXX, Citi will not tell me what's going on, and I am afraid that " pending an investigation '' I will not receive my funds. 

I escalated the issue to their " executive support '' and the only additional information I was given was that my account was closed due to violating the terms of the account agreement. Though, they can not tell me what terms I violated, nor have they provided any information since they put my account into " pending closure '' around XX/XX/XXXX. 

I am utterly stuck, I have no idea when or if I will receive my funds and they have provided no information about what I did wrong in the first place. I have hired a lawyer, am writing my Congressmen, and am now also reaching out to CFPB for help. I just want my funds and to be able to walk away from this terrible experience.

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 2023-10-03
Company: Mid-South Adjustment Co., Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being asked to pay a " co-payment '' on a fee charged by the XXXX XXXX XXXX for medical care to which I am entitled. The co-pays for this account were waived by the XXXX XXXXXXXX XXXX in XXXX, Wisconsin. The debt when incurred was {$15.00} and is now {$32.00} as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Viking Client Services
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 Amount : XXXX ive been disputing this account, because I did not have possession of this vehicle. And I explain that over and over again to the company, my ex partner at the time had possession of the vehicle.I dont know this company call Viking client services , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted capital one bank about an unauthorized transaction that occurred on my debit card for merchant names XXXX. I made this call as soon as I was aware of charges on XX/XX/XXXX. I never have conducted business with this merchant and I only see two transactions from them XX/XX/XXXX for {$850.00} and XX/XX/XXXX for {$77.00} never had I conducted business with them before the bank denied this even though I never made this transaction Claim ID XXXX I received a new debit card to stop this from happening but the dispute was never resolved further. I have never conducted business with this merchant my bank said this was in Nevada I believe and Ive never been to Nevada ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I filed a complaint with you and the Office of Comptroller gave my Appeal and evidence but Experian still reporting negative results after giving them evidence to show I was never late with my XXXX payment because my payment are due on the XXXX of every month I paid Lending Club XXXX dollars plus XXXX and made the mistake of sending them a check through XXXX bank in the amount of XXXX they were supposed to refund my money back to me but still have not done it yet. I have given everybody evidence to show my truth and I feel my XXXX rights are being violated by not taking my evidence seriously and causing harm to my credit report. Please investigate this matter.

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 2023-09-27
Company: CITIBANK, N.A.
State: WA
Product: Credit 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:
I am writing to file a formal complaint against Citibank regarding their handling of a credit card dispute that has been ongoing for more than 1 month. Despite providing ample documentation and evidence to support my case, Citibank has continuously ignored my efforts to resolve this matter and has taken no meaningful steps to investigate or address the dispute in a fair and timely manner. 

Dispute Reference Number : XXXX Background Information : I have been a loyal Citibank customer for 12 years and have always maintained a good payment history. However, my recent experience with Citibank 's credit card dispute resolution process has been extremely frustrating and disappointing. 

Issues and Concerns : Lack of XXXX : Citibank has failed to acknowledge or respond to my numerous attempts to communicate and resolve this dispute. 

Ignoring Documentation : Despite providing clear and compelling evidence to support my dispute, Citibank has not taken any meaningful steps to investigate or address the issue. 

Requested Actions : I kindly request the Consumer Financial Protection Bureau to investigate my complaint and take the following actions : Initiate a thorough investigation into Citibank 's handling of my credit card dispute, ensuring that all provided documentation and evidence are reviewed and considered. 

Require Citibank to provide a detailed response to my dispute, outlining the results of their investigation and a clear resolution to the issue. 

Ensure that Citibank takes immediate steps to correct any inaccuracies on my credit report resulting from this dispute. 

If Citibank is found to be in violation of any applicable laws or regulations, take appropriate enforcement action to hold them accountable. 

I appreciate your attention to this matter and request your prompt assistance in resolving this dispute. Your intervention is crucial in ensuring a fair and just resolution. 

Thank you for your time and consideration.

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 2023-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
To whom it may concern this is my second time making a complaint because XXXXXXXX XXXX still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account XXXX XXXX account number XXXX to Portfolio Recovery Associates LLC on XXXX and XXXX account on XX/XX/XXXX. I sent XXXX XXXX a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. Portfolio responded back saying inserting they reply from my last CFPB complaint here as follow. 

Company 's Response Portfolio Recovery Associates , LLC ( " PRA '' ) investigated your complaint. We previously closed the PRA accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the PRA accounts unless otherwise permitted or required by applicable law. PRA does not control the way in which the consumer reporting agencies report the information furnished by PRA. Accordingly, any differences in their reporting of the information which PRA furnishes is the responsibility of the consumer reporting agencies, not PRA. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 

This is proof I will in close the picture of this response as of today these accounts never been reporting from portfolio recovery associates LLC. They responded with the wrong account number for XXXX XXXX account number supposed to be XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My XXXX credit report shows that Chase has the comment " Reaffirmation of debt '' under XXXX of my Chase mortgage accounts. This comment is indicative that I had a bankruptcy, which I did XXXX  years ago. This is negative information on my credit report and should be removed since bankruptcy information should not be included on my credit report after XXXX  years. This can impact my ability to apply for new credit. I would appreciate it if you would remove this comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An account was fraudulently opened in my name. I contacted BoA to tell them that it was fraudulently opened and to close the account. They send me a fraud claim and I submit all the documentation requested. They don't respond so I open a complaint with the CFPB and they ask me to send the documentation again. I do and XXXX weeks later not only have they not resolved the situation, because the fraudulent account is overdrawn they are threatening to impact my credit and make me liable for the overdrawn balance. This bank is a complete joke and it's no surprise to read the recent bad press. I have read about how XXXX XXXX wasn't doing their due diligence and opening fraud accounts without the proper checks and my guess would be the same thing is happening at BoA. This has been a complete disaster and I have gotten XXXX assistance.

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 2023-09-30
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash App allowed frauduletnt transactions to be funneled through my account and theft of over {$9000.00} from me and refuses to fix these funds and refund them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: SYNCHRONY FINANCIAL
State: NC
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 called synchrony bank to dispute this matter. Someone fictitiously opened this account in my old married name which I haven't gone by in over 5 years. This account was opened in XXXX of XXXX  when i was already married and had a different name. Who ever opened this account also used a address that does not exist. The building has been tourn down for years. I filed a police report on the matter which is attached. This has put a negative marker on my credit and has damaged my credit score tremendously. I have worked hard over the years to get to where I am, and someone is ruining it.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of Identity Theft. Today I noticed Fraudulent Hard Inquiries on my credit report, that I never applied for. Frauds applied to banks in order to get loans or something.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Therefore, my position is being clearly stated, hard inquiries that listed below do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 

The list of XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX Please remove these inquiries from my credit report. I hope for your kind understanding and quick consideration. Thank you! 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Have tried to refinance loan due to high predatory interest rates and have not been able to do so as they charge a daily compounding interest rate of almost XXXX per day

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 2023-08-11
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I am writing to dispute misleading and false information that has been included in my credit reports provided by both XXXX and XXXX. The fraudulent reporting has caused significant harm to my personal and financial reputation over the past XXXX years. 

I have recently discovered numerous errors within my credit reports which were originally sent to XXXX, leading to the removal of erroneous information related to Wells Fargo Card Services. However, it has come to my attention that this same inaccurate information regarding Wells Fargo Card Services has remained on my XXXX and XXXX accounts, tarnishing my creditworthiness unfairly. 

Upon careful review of my credit reports, I found the following mistakes : False Account History : The account listed under " WELLS FARGO CARD SERVICES '' is incorrect. I have never had any association with this entity, nor have I ever opened or maintained a credit card account through them. This mistaken listing implies that I possess outstanding debts or negative payment history with Wells Fargo, which is entirely untrue. 
Negative Payment Timeline : My supposed non-payment incidents associated with Wells Fargo Card Services inaccurately portray a poor payment pattern, damaging my overall credit score and hindering my ability to secure favorable terms for future financial endeavors. It is essential to rectify this matter immediately to restore my true creditworthiness. 
Personal Identity Theft Concerns : Given the consistent misinformation regarding Wells Fargo Card Services, I fear that my identity may have been compromised and used unlawfully to open fraudulent accounts. It is crucial that appropriate investigations are conducted by XXXX and XXXX to address this potential identity theft issue promptly. 


Please send written confirmation upon completion of the investigation and subsequent actions taken to rectify these false reporting issues. Thank you for your prompt attention to this matter.

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 2023-02-13
Company: Experian Information Solutions Inc.
State: AL
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, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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