BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Fidelity National Financial, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud Email asking for Wire Transfer for Closing on XXXX XXXX XXXX XXXX XXXX, AZ XXXX Home. In the Process of closing on buying a home the title company sent me an email when i called the title company they said it was not them and it was a fraud Email account. I have reached out to the FBI, FTC, XXXX, and the banks. XXXX XXXX and XXXX XXXX. XXXX XXXX  has said they can't do anything unless reached out to XXXX XXXX and XXXX XXXX says it was approved on there end. I need help solving this issue. I really need this money back, I'm supposed to be closing on my house on Thursday. 


This was the email. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inbox XXXX XXXX XXXX XX/XX/2021, XXXX AM ( 4 days ago ) to me, XXXX Good Morning XXXX , Due to COVID-19, Your closing funds should be wired to our trust account today to avoid delay at closing, so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledge the receipt of this email, I will be busy with limited access to my phone you can send me an email if you need anything else. 


Thank you! 



Sincerely, XXXX XXXX XXXX Escrow Officer/Assistant Branch Manager Fidelity National Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my credit card account XX/XX/20. They stated that I hadn't used the account in 6 months. I called and emailed Discover and asked them to reconsider their decision. Haven't gotten a reply. I have used this card in the past and was never late on payment.This closing of my account will most likely effect my credit score. Which is something that may effect other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
TD Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-05
Company: ID Analytics, Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I went to buy a car on XX/XX/2020 and the dealership ran a credit check with XXXX XXXX. XXXX XXXX ran my credit score and XXXX  had me at XXXX and Sage Stream, LLC. had me at XXXX. 

I researched and read reviews online and I found that Sage Stream, LLC. wants personal information to dispute and I don't want to give it to them if they are a fraud company, so I figured I would file a complaint with the Consumer Financial Protection Bureau to protect myself first. 

There is no way they can be on an island of their own over 300 points away from the other reporting agencies, I don't understand how they can be a reporting agency if this is what they are doing. Regardless, please look into this company because several others on XXXX XXXX at the link I have provided ( XXXX XXXX XXXXXXXX ) seem to have the exact same scores, so Sage Stream, LLC. just gives the same score to everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from XXXX XXXX XXXX on XXXX XXXX,2015 and the representative stated I had an account with Old Navy and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. XXXX XXXX XXXX called my phone back to back, but I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company withdrew money from my bank account after I advised them they did not have permission to withdraw funds from my account. They refused to provide a settlement offer of no less than 60 % of the amount. They refused to refund money that they withdrew without my consent and they charging for fees for NSF in which they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/20 I mailed off a validation of debt letter to Portfolio Recovery Associates. They have fail to send ANY proof of validation. They are currently reporting false information to multiple credit buraus. I also have phone records of them harassing me. One of the debt collectors from their company even hung up on me when I told her the alleged debt was not mine. They have violated several right given to me by the FDPCA and FCRA. 15 USC 1692 ( f ) ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted law. 15 USC 1692g validation of debts. They hav failed to send me proof validating my debt in a 30 day period after notice. 15 USC 1692d Harassment and abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Protection Recovery not only harassed me several times a day with phone calls but the abuse continue with aggressive tone of voices and hanging up on me.15 USC 1692 ( d ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 15 USC 1692 ( e ) false and, misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09
Company: Sterling Infosystems Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX has indicated it has finished its investigation, however, they provided a report that is clearly incomplete. I have submitted a second dispute, and believe this company is now in clear violations of the FCRA. My intent is to sue. This company continues to indicated areas where I have never lived in, and reporting on them ; in addition, they have deliberately and intentionally phrased what my former employers have stated. I have evidence to such disregard by statement directly from my former employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. 
please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. 
Thank you 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 2021-09-28
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax is Reporting on my credit report false and miss leading and Fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I purchased furniture through XXXX in the amount of {$5000.00} with a guaranteed shipment date of XX/XX/2021. On XX/XX/2021 I received an email from XXXX requesting that I either approve or deny the option to cancel or approve a backorder as shipment was delayed. The new guaranteed shipment date was to be XX/XX/2021. I approved the backorder buy then decided 2 weeks later that I would prefer to shop locally for furniture since I had been sleeping on only a mattress waiting for the furniture for over a month. I called XXXX on XX/XX/2021 and they informed me that since I had approved the backorder that I would now be subject to a 15 % of the purchase price cancelation fee. At that point I decided to dispute the charge with Citi Bank, the issuer of the credit card used to pay for this transaction. As of today XX/XX/2021 the dispute had been closed in favor of the merchant, I still do not have any furniture and the XXXX website now states a guaranteed shipment date of XX/XX/2021, although I never approved it. I am exceedingly frustrated and have already filed a complaint with the XXXX XXXX XXXX. I've also purchased furniture from another retailer at this point.

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 2015-09-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested and was granted a loan modification from my Mortgage Servicer - Specialized Loan Servicing XXXX SLS XXXX. in XX/XX/2015. At the time my mortgage payment was {$1400.00} at a 9.0 interest rate. I desired a lower monthly payment and lower interest. Once I made the XXXX trail payments of XXXX. I was granted a permanent loan modification ( XX/XX/2015 ) with monthly payments at {$1600.00} with no lowering of the monthly mortgage or interest rate in fact, XXXX increased. Which has caused a hardship with me paying my other monthly bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions Inc.
State: AR
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:
Please be advised this is my 2nd attempt in trying to resolve this matter. Experian claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1.  XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX  # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

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 2018-03-19
Company: Navient Solutions, LLC.
State: NY
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:
I graduated from graduate school in XX/XX/XXXX. At that time I consolidated my loans through XXXX XXXX. I had approximately XXXX in loans. Ive been paying since I graduated with the exception of when I went back to school for a XXXX XXXX XXXX XXXX and when I had to get a forebearance as a result of a divorce/loss of income. XXXX XXXX   transferred my loans to Navient and their payments were beyond what I could afford. Ive worked in a low income school district since XX/XX/XXXX so I decided to apply for the Public Loan Service Forgiveness program. I went with a company called XXXX XXXX XXXX XXXX XXXX XXXX that is now called XXXX XXXX XXXX. They claim to be assisting me with Public Service Loan Forgiveness through my payments to XXXX XXXX XXXX. It is now XX/XX/XXXX and my balance is XXXX? Im not a mathematician nor an accountant but I believe something is drastically wrong here and deserving attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Initially, I was advised by Navient that my payment plan qualified for XXXX. After 4 years of working for a qualifying non-profit, and paying on the student loan, I am now told that the nearly {$26000.00} in payments does not qualify. My new payment plan, an income based plan, after being transferred to XXXX was quoted CHEAPER, for a qualifying XXXX payment plan than my previous Navient plan. However, Navient initially told me an income based repayment plan would be much higher and advised me to do a standard repayment plan of 30 years - which they claimed would qualify as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry Please delete off my credit report and I send in a Dispute Letter also to.

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 2016-01-30
Company: Stellar Recovery, Inc.
State: UT
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:
I received a collection letter on XXXX XXXX XXXX from Stellar Recovery INC stating that I XXXX to XXXX. I did not receive notice of the right to dispute. I am buying a home and it hit my credit which now has prevented me from buying. I have had the same phone number for three years and when I called and talked to Stellar I spoke with XXXX individuals there. I have the conversation recorded. Both of whom told me that they were not obligated to send out a validation of debt letter. I have not used XXXX XXXX for over 4 years. Had I known that I even owed the debt I would have just paid it but I had no opportunity to even have that option. It hit my credit in XXXX XXXX and then I got the letter stating I owed them money in XXXX 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 2021-09-28
Company: CL Holdings LLC
State: WA
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: Problem with personal statement of dispute

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have disputed with Experian several times by mail and online i have even called Experian XXXXThey are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX  i have my XXXX XXXX report and its not on there at all so that means Experian is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

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