BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am behind on my mortgage payments. I applied for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 and was preliminarily approved for funds XX/XX/2022, meaning that I met the applicant eligibility criteria including ( XXXX ) that the property is my primary residence, ( XXXX ) that I own the property, ( XXXX ) I experienced XXXX XXXX XXXX and ( XXXX ) that my income is below XXXX  % XXXX. I am eligible for up to {$30000.00} in XXXX XXXX funds, which is more than required to fully reinstate my mortgage. 

After a XXXX applicant is deemed eligible, XXXX communicates with mortgage servicers about the account to verify the amount owed via the XXXX XXXX XXXX. XXXX funds cannnot be approved for disbursement until they receive a verification record from the mortgage servicer. In my cases, XXXX has sent the Information records requesting this verification of my account to Citizens XXXX Bank the following dates : - XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Citizens Bank has responded to only XXXX of these requests for information : a failed V-record dated XX/XX/2022. Citizens has been completely uresponsive to the program 's attempts to verify the amount I owe for more than 6 months. 

My file was referred to foreclosure several months ago. The only barrier to reinstating my loan is Citizens XXXX Bank failure to timely respond to I-records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
n accordance with the Fair Credit Reporting act XXXX/XXXX Account # 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 2016-01-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep " verifying that it 's correct ''. It 's not correct and if any actual investigation was done, they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product, but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So, I tried to log in again, and now they have locked me out of the online website entirely ... claiming I 've exceeded the amount of times I 'm able to view a report ...???? I do n't want to see my report. I want you to get rid of false information. Why is this so hard?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: WELLS FARGO & COMPANY
State: FL
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:
This is my XXXX attempt to correct this matter with Wells Fargo. I have spoken to Executive Office Managers, Customer Service managers and still the matter is not being resolved and now every right I have under the FCRA is being violated by Wells Fargo. 
***** The 30 Day last posting to my personal credit report for XX/XX/2022 is INCORRECT and at this time is it demanded that this be removed in swift fashion as Wells Fargo has now taken more than 90 days with incorrect investigations that have been conducted poorly with no resolution. 

It is very simple. The person ( s ) reviewing are using the payment due date instead of the billing cycle date. BILLING CYCLE is reported to the credit agencies. Not payment Due Date. If the person reviewing this new complaint will see that payment was received before the 30th day. I have reviewed this with Customer Service who also has noted payment for XX/XX/2022 was received before the 30th day of the billing cycle and therefore the 30 day late mark on my credit report is incorrect. But the Executive office reviewers are ignoring it. 

****** Attached will be two calendars that COUNT each day. From the payment date and the billing date. For XXXX and XX/XX/2022. PLEASE. Count the days. It is a very easy process to correct this matter. 

****** I have been assigned a New Wells Fargo Case # in my recent call to the Wells Fargo XXXX  XXXX. Case # 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 2022-10-10
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 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 2016-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
Synchrony bank is still reporting my accounts with XXXX, XXXX, and XXXX as open and charged off when they have all been sent to collections and have since been taken off my Credit report I would like Synchrony bank to remove these XXXX accounts from my credit report since i have already taken care of them. please i called and spoke to a representative who was uncooperative and unwilling to help me I am trying to repair my credit so that i can buy a home for myself and my son and i hope XXXX day to be customer with synchrony bank again

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 2016-08-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has let XXXX XXXX XXXX report incorrect information on my credit report for months. The only way I have gotten some of it fixed was with multiple disputes, which then let XXXX XXXX XXXX refresh my collection as if it was a brand new trade line, which is incorrect. 

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.

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 2022-05-20
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
complaint against Vanderbilt Mortgage. Our Mortgage with them is 23 years and 8.9 % interest. We where going to refinance with XXXX XXXX loans at 15 years and 3.8 % interest in doing so we were informed that are manufactured home had a vehicle title to it. we were not aware of this and they required us to do a conversion for real property in order to refinance the loan. my loan officer and I contacted Vanderbilt mortgage on XX/XX/2022 rep stated they would do the conversion if I requested but it would take months. After finding out that process should not take that long i called Vanderbilt back on XX/XX/2022 and asked to speak with a manager. She stated it only takes 30 days and i would need to submit a signed letter requesting the conversion. That evening i emailed the letter to the email she provided and ask that they keep me updated on the process. I received and email 2 todays later stating they had received the request and was processing it. On XX/XX/2022 i called to speak with someone to explain the process to me and to keep me informed of were we were at. Since my rate lock was to expirer on XX/XX/2022. rep stated she would forward to correct department. No return phone call. called every several times after to try and speak with some one and was told I was on the list to call back in order it was received and could take several days before they would get to me. On XX/XX/2022 i spoke with XXXX who said he was handling my conversion and that it was a the county being processed and i could call back weekly to get an update. Called back XX/XX/2022 XXXX was not available spoke with XXXX he was helpful in explaining the process to me and could not find any updates on my account. i explained I did an extension on my lock rate until XX/XX/2022. he started asking me questions to try and see were i was at. i explained no one had called me to tell me anything or ask for payment. i think you need to check into this. he did to find out the process was never started. His explanation was they had employment changes in that department and XXXX was told it was started so that what he told me instead of actually looking at my account. Then he told me my title was electronic so they would have to get that which would take 3-4 weeks. then it would go to the county and that could take 8-12 weeks so i could be looking at 11-16 weeks potentially. said he needed to send me a form to sign and send back. I explained I would sign that day and send back. After he sent me the form it needed to be notarized. In the process of doing that now. In the mean time i lost my refinance due to there negligence over and over. Because the rate lock would run out. I still don't have resolution or confidence that my conversion will happen.

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 2020-08-13
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notice a negative item from midland credit management on XX/XX/XXXX for an alleged debt that i do not owe, so on XX/XX/XXXX I sent them a letter for the account number XX/XX/XXXX being reported, asking for validity of the alleged debt in its entirety.i have attached a copy of the  letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've recently got divorced and in our divorce agreement my ex-husband was responsible for our credit card that he maxed out when he left. I have repeatedly told the Suntrust collection that he is responsible and gave them his number I can see on my credit where he has been paying it on time every month up till this XXXX and now the collection calls me 4-8 times a day after I have explain the situation gave them his number and have told them do not call me again over 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Bank of America was court ordered to reopen previously denied fraud claims, and place a provisional credit on the account if not resolved in 10 business days, and completely resolved 45 days, prohibiting them from freezing California edd cardholders accounts without warning or sufficient evidence of fraud. Two claims I had, denied ( {$300.00} & {$500.00} ), nine months later were reopened without my knowledge. ( XXXX XXXX ) They failed to place the provisional credit after 10 days, and now with 43 days into the court ordered reopening of the claims, they froze my account without warning OR explanation. So when day 45 comes and my account is frozen, I do not get the money they stole in the first place. It's the banks policy that the customer is entitled to the funds if not resolved in the specified amount of time. Today XXXX, and yesterday XXXX I spent a total of 12 hours and 39 minutes on the phone to be continuously lied to by Bank of America, who refuses to acknowledge any court orders. Please help, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient XXXX XXXX XXXX XXXX has been calling me consistently trying to get me to pay a ridiculous amount of money which I am unable to pay. I have wrote them letters telling them to cease all phone calls and only mail communication, request debt validity, and negotiate an offer for payment monthly. They responded they ca n't make negotiations through the mail. I called them in order to negotiate a price that was reasonable based on my income which would be {$100.00}. The guy told me the only amount that he can offer me is {$320.00} per month. I have an income of {$1600.00} a month which I have to pay child support, rent, utilities, food, gas, credit cards, etc. When he calculated all my expenses I was in the negatives. I told him I 'm not going to put my family in jeopardy if I ca n't afford $ 320 monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

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 2019-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XXXX case XXXX CFPB You XXXX responded { I quote } that you are not required to have a contract with a consumer. I request the contract that you XXXX claim to have with alleged XXXX XXXX XXXX Hospital and my self services claimed provided in complete detail of service, a copies as to where I agreed to these services [ My signature on each alleged account approving of service.You XXXX stated I quote { we are not required to have a contract with the consumer I request a Copy of your contract with XXXX XXXX XXXX Hospital. I need all the enclosed documentation in detail for my investigation to possibly file a fraud case. You XXXX Subrogated yourself on to or into a contract as a third party not being on the alleged original contract. I want that contract not letter stating it was bought, traded, sold, given, to you by XXXX XXXX XXXX Hospital to you. You XXXX should have the alleged original contract with myself, XXXX XXXX XXXX and your XXXX on that contract. If you are not on this alleged contract You XXXX have no right to substitute { subrogate on to or in to a contract, A third party collector not on alleged orginal contract between a consumer and creditor can not claim that anyone owes them money

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 2017-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They are taking days too report my pay to my loan company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I first noticed this account on my credit profile with the credit bureaus, I contacted the original creditor XXXX XXXX XXXX, letting them know this account has been fraudulently opened in my name. This account was removed from my credit profile. 

Almost one year later I am receiving communication from a collection agency Resurgent Capital Services c/o LVNV Funding LLC stating I owe a debt for a credit card account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Genesis FS Card Services, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This credit card showed up on all XXXX credit bureaus and they sent me an email message informing me that my online bill was ready to view, that is how I found out about it. I contacted them via phone and by USPS. When I spoke with a representative on the phone on XX/XX/2022 I was assured that this account would be closed and a confirmation letter was to be sent to me via USPS. I never received a confirmation. 
The credit card is a XXXX. The company information is listed below, none of my PII is included. 

Milestone Mastercard XXXX XXXX Card Services XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OR XXXX I have frozen my credit reports and established an account with identitytheft.gov where I sent them the initial letter provided by the .gov account. I have received no correspondence and no communication from this card service. I dont have the full account number, when they sent notification via email they only included the last four digits of the account number. The only charge that was on the account when I received the notification via email was for the annual fee of about {$100.00}, but I do not want this to escalate.

Company response to consumer: Closed with explanation