BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-26
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In  XXXX    XXXX    Navy Federal Loan Officer ,  XXXX   XXXX , informed my wife and I via email that we would be able to be down the mortgage rate from 5 % to 3.75 % for {$12000.00}. My wife and I set a closing date for the sale of our old house and the purchase of our new house in  XXXX    XXXX  . In  XXXX    XXXX  ,  XXXX  informed us via email the amount to buy down the rate changed from {$12000.00} to {$24000.00}. My wife and I did not have the additional {$12000.00} to buy down the rate. We would lose our deposit of {$5000.00} if we did not go thru with the purchase of the new house so we moved forward and incurred a serious financial hardship by having to incur a monthly mortgage payment we did not plan for as a result of  XXXX   XXXX  lack of honesty/candor. I subsequently reached out to  XXXX   XXXX  manager,  XXXX   XXXX , Loan Operation s Manager, Navy Federal, and sh e has shown an unwillingness to help us refinance our house or provide a mortgage modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Transunion is also reporting that there are inquiries from XXXX XXXX last XX/XX/XXXX and 2ND XXXX XXXX last XX/XX/XXXX. These inquiries are NOT VALID. There businesses do not have any lawful right to be on my credit report. I am not the person who the credit was pulled by these companies. This is not my account. I am a victim of this credit bureau 's mixed up files.. This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

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 2018-01-29
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/XXXX XXXX XXXX BALANCE {$6400.00} this was a fraud account opened and disputed back XX/XX/2016 this was removed from my credit reports by XXXX as fraud and now it was added back to my credit reports. I disputed the validity of this debt and account on XX/XX/2016 as fraud

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 2017-07-13
Company: Sarma
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received a charge off on my credit report. It 's reads Sarma debt collection. However no explanation of the debt, I have never received any letter or statement showing what the debt is, who originated it. If sarma reads this, hopefully they will send, no calls, me a written statement of the debt. Clear my credit report and I will not pursue any further legal action. If by chance this is a legal debt from XXXX XXXX XXXX ... I am XXXX military, they took labs, no treatment, that was after waiting 5 hours. Told my XXXX XXXX XXXX Physician the next day. I had to pay {$40.00} for my XXXX XXXX to take to my XXXX. If the hospital is n't intelligent enough to collect my insurance info, then pull this underhanded XXXX.. Shame on XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , TX. Shame Sharma debt collectors on unscrupulous practices. I 'm a XXXX veteran, and I do not desire to be threatened. I 've been nearly killed several times, and a young female on a phone threatening me ... She 's lucky and I will leave it up to you Sharma and XXXX XXXX XXXX to fix this or I will take further legal action within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions 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 acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # 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 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 2022-01-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. XXXX, XXXX and Equifax fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX  violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.

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 2022-03-22
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: Investigation took more than 30 days

Complaint:
I have filed many complaints against XXXX XXXX XXXX XXXX ( XXXX ) & Experian trying to be heard but both knows how to play a game, the CFPB, and the US government. XXXX & Experian didn't have permissible permission which I have been requesting to prove the unlawful access of my credit report in XX/XX/2017. All recent complaints were all labeled duplicate By XXXX within two minutes of each other reflecting XXXX doesn't even read the complaints.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, and I did not make or authorize those inquiries. I am requesting that those they be removed, -XXXX  XXXX ( XX/XX/XXXX ) -XXXX  XXXX  XXXX XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX  XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX  XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX  XXXX  ( XX/XX/XXXX ) -XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX ( XX/XX/XXXX ) -XXXX XXXX XXXX ( XX/XX/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 2015-04-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient refuses to set me up with an affordable or XXXX system. They take half of my monthly income of around XXXX per month. I am getting a reduced interest rate but this hardly solves my financial hardship. XXXX should be eligible to all student borrowers no matter what the loan. I am suffocating in debt and Navient refuses to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions 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 car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.

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 2016-08-19
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In XXXX I got divorced. A quick claim deed was signed as well as in the divorce decree it states that the rights to the property were given solely to me. Since then i have had XXXX loan modifications done with my information only, and each time Citimortgage refuses to remove my exes name from the mortgage. They say they are not allowed to even though there is no law saying they must retain her name. I have sent them a letter requesting the information under which they make this decision but do n't know the outcome of that. The first loan mod was done in XXXX after Citi said no partial payments were accepted in catching up payments that i fell behind in XXXX for hospitalization. I found that to be wrong 7 months after the occurrence. and they never once included in any discussion my exes name or even if she had to sign or participate. after the trial payments and the paperwork was returned and then they said they never received the paperwork or the check, which i had those involved prove to them the info was received on time and by whom. I then get the news that my ex had to sign. Later they without writing increased my amount to more than i could handle at that time. So XXXX XXXX I put the house on the short sale market. after XXXX bids were rejected i find out just in XXXX that a retention had to be done by FHA requirements. Finding out that it was supposed to be done before any short sale according to FHA. so a few weeks ago i submitted the paperwork not expecting anything and now they approved another loan mod. This is the 2nd XXXX i referenced. Again they said no info was required for my ex or any paperwork needed from her. But after talking to citi I would like to stay and i can make the payments and i accept the loan offer, they still will not remove her name and that is the problem. I can not stay in my home if her name is not released. She wants no part of this. This is a brief run down of the occurrences that happened. It is more complicated than that but the name removal is now priority. If her name is not removed from the mortgage the property will be up for short sale again. I see no reason after having been approved for XXXX loan mods now that her name should remain on the mortgage.

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 2023-02-26
Company: V and H Portfolio
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX someone stole my credentials and used it to make a purchase. There was no proof it was mines and it became identity theft and it was charged off. Now a debt buyer is trying to collect {$2000.00} on a {$1500.00} lease according to the email letter that I received from the debt collector. The email didnt have the creditors letterhead but an email from another source. It also said purchased in XX/XX/XXXX, thats seven years ago, but the debt collector said I purchased in XX/XX/XXXX which states on my credit report. Not only the statute of limitations has ran out the debt collector lied and said I purchase it in XXXX without a contract stating I promised to pay that amount in XX/XX/XXXX. Its now XX/XX/XXXX, This is a fraudulent statement from the debt buyer and the credit bureau accepted it without proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: TX
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:
XXXX, Equifax and XXXX report serious delinquency which is incorrect XXXX Mortgage requested report Order number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have our home mortgage with CitiMortgage. Our loan # is XXXX. Last year we were approved for a loan modification and ever since then have made our mortgage payment on time. Every month beginning on the XXXX we get repeated automated phone messages from CitiMortgage and after a few minutes a representative comes on the line and begins to go through the whole disclosure speech about the call being recorded and being an attempt to collect a debt etc. XXXX we are able to intercede we tell the representative that our mortgage payment is just due and we have by agreement a fifteen day grace period to make the payment. We further state that if they check their records they will see that all of our payments have been credited before the grace period has elapsed. We ask politely to not call back unless we fail to have our payment to them by the fifteenth of the month. Usually they are rude and say that the reason for the call is that it is the first of the month and the payment is due. We get nowhere with them and ask thatthey refrain from calling again. However, this cycle is repeated over and over again sometimes 3 or 4 times a day. Each time a different representative who claims there is no record of any previous call in their system. Yea right! This practice of harassment has been going on each month for the last year. My wife has to field these calls all day long and is frustrated that we can not find a method to have them cease. I have threatened lidigation, contacted the do not call list and have had to become forceful in my response to them on the phone all in hopes we can stop this harassment. Nothing has worked. Every time I speak to a manager ( I assume they are what they say they are XXXX they apologize but the calls keep coming in. What can I do to stop this nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX Capital One Bank owned Household Bank ( XXXX ). Having a credit card account with XXXX since XXXX, we battled with them to remove an add on product that gives consumers debt protection, called AccountSecure Plus which was never removed and we were charged monthly for the product. In XX/XX/XXXX when Capital One took over, we asked Capital one to remove the program and told them our problems with removing it previously. Capital One assured us of its removal. In XXXX XXXX after a few phone calls to capital one in previous months about the product still on our account being charged, an employee let us know that third party vendors were being removed from all companies offering these products and we will be reimbursed for the fees soon. In XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX of XXXX repeat phone calls to Capital One bank, talking to countless different employees asking them to please stop charging us for this product and the phone number listed on the bill for the product no longer was in service since XXXX. In XX/XX/XXXX our billing statement states " " As you requested, we cancelled your enrollment in Debt Protection ''. 
We were no longer billed from that date for that product. 
We called Capital One asking for reimbursement for the past 3 years of repeatedly trying to cancel this product and asked them about a consent order issued by the CFPB ( file number XXXX ) that they were supposed to reimburse anyone who tried to cancel the product after XX/XX/XXXX and was unsuccessful. They responded that we came from Household Bank at that time. They took over Household Bank XX/XX/XXXX on our end, the CFPB issued the order in XXXX of XXXX. Whether or not that applies, the Administrative proceeding, terminating the consent order on XX/XX/XXXX from the CFPB, states that Capital One canceled their add on products since XXXX, this is obviously not true and I believe because of the different name of the same product of concern. We were being charged for a product that was an add on that we asked repeatedly for 3 years to cancel through Capital One, throughout the entire Consent order they needed to comply with. Was the consent order specifying a particular add on product for debt protection? Are they allowed to just ignore us repeatedly when asked to be reimbursed after they said they would the first time we canceled?

Company response to consumer: Closed with monetary relief