BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I initiated a complaint XX/XX/XXXX through this service Today I received an email informing me that my case had been resolved and closed. They actually included a bill that was a final bill to service which I subsequently took responsibility for. 
I want this case reopened and that proper documentation be provided to me to prove that the debt owed is actually mine. 
What they need to provide me with 6 months of prior bills as well as 6 months after the bill they included in their response. 
Furthermore they will need to explain the existence of a letter they sent on XXXX XXXX, XXXX alerting that XXXX  was owed them, meanwhile they are claiming $ XXXX in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. These are the dates that I Have called Flagstar bank for updates on my Morgtage Loan. i applied for a Grant through the Homeowners Assistance program which provides struggling homeowners funds to apply to their mortgages to help them catch up on the arrears. This program was created by the Federal Government due to covid 19.The Program awarded me XXXX to pay for the arrears, taxes, HOA, Escrow, insurance. This total will completely catch me upon my Mortgage account. Flagstar Bank received the Wire transfer on XXXX XXXX. It was signed for by an Flagstar Bank Employee. However, the employee never posted the funds to my account. As of XXXX XXXX at XXXX, the funds have still not been posted. On the above dates I have called and tried to get answers, in which employees Of Flagstar have left me on hold for extended amounts of times 30 mis, transfer to several employees leaving me on hold for at least 30 mins, refused to transfer me to Supervisors or Supervisors refuses to answer the phone after i have been holding over 30 mins. Finally on XXXX XXXX i spoke with XXXX XXXXXXXX XXXX XXXX.said he was a supervisor and can't give his last name states he will send an email to the processing dept. 4th email. But have no ideal where the Funds are located. Please assist me in this matter to help prevent my home from going into Foreclosure. Other Employees i have spoken to ARE XXXX, XXXX, XXXX. All of whom would not give their last names or Id Numbers

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 2016-03-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I fell behind on my student loans due a sudden and unavoidable debt resulting from vehicle repair in XXXX 2015. As a result I fell behind on my loans by 90 days. Up until this point I was paying on-time every single month $ XXXX/month. I began communication with Navient about this and they provided me with little assistance. They told me that the payments must be made. They would not grant me a hardship forbearance, nor would they let me lower my loan payments at all. Now, as a result of this situation they have begun reporting negatively against my credit and also raised my monthly payment on my loans to over $ XXXX/month. I make $ XXXX/year. How can they expect me to make a payment of $ XXXX/month and still support myself? I need to get to work, eat and pay for gas. I could never afford rent or a mortgage with this kind of monthly payment. I have called them nearly a dozen times about this and they will absolutely not work with me in any way. I just do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: JPMORGAN CHASE & CO.
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: Problem with customer service

Complaint:
This is regarding a previously report incident XXXX. In short, Chase Slate rejected their initial resolution after sending confirmation, claimed I refused and rejected the resolution by closing my account.

About 2 weeks after I received a resolution letter stating the balance transfer would be reinstated with the promotional APR, my transaction was suspiciously " rejected '' by the payer. I called my the other bank, who confirmed that the transfer was rejected by Chase.

My initial balance transfer was returned along with the fees and payments, for the exception of one of the interest fees that was incorrectly charged to my account. My now closed account sits at a negative balance ( that I am transferring out to a checking account ) short of the incorrect interest fee that was charged and never refunded as the previous CFPB incident resolution claimed. 

The lack of competence among the customer service and issue resolution teams is astounding. Do not use Chase Slate - their teams can not do basic accounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: Experian Information Solutions 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 information incorrect

Complaint:
creditor. XXXX XXXX  XXXX Please remove all comments including consumer statement

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 2015-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Other

Complaint:
Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, 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 found a Bankruptcy on my credit report today XX/XX/19 that is not mine. I have never filed for bankruptcy before. I investigated more and found out that this bankruptcy was clerically filed in error and it actually belongs to a person with a similar name as me. I am not sure how or why this error was made but I have already reported this to the courts as I never benefitted from this being on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
XX/XX/2017 XXXX is only credit reporting 30 days late on Capt One account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX  corrected and updated my account information. 
I have written letters to XXXX  to remove lates because that is not accurate information. But have not been able to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased a Vanilla Visa gift card on XXXX XX/XX/XXXX at XXXX XXXX exchange for {$480.00}. I tried to use the card on XXXX XXXX and the card was decline. Upon further review, it was used twice at a XXXX in the XXXX area. One for {$220.00} and the other for {$250.00}. The card has been in my possession since purchase and I did not use the card. I contacted Vanilla gift card customer service on XXXX XX/XX/XXXX and filed a Dispute packet ( Ticket/Case : XXXX ). I was told it could take up to 90 days to investigate the dispute. I called to day and was told that investigation started on XXXX XXXX and can take up to 90 days to investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In addition to our regular monthly mortgage payment, we make extra principal payments to Green Tree Servicing, and designate these payments as additional principal, as allowed by our mortgage.  Green Tree, however, will not apply these amounts to the principal unless they are exactly equal to the monthly payment.  In the meantime, they hold and use our funds.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-05-31
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I activated my XXXX phones on XX/XX/XXXX with XXXX XXXX and was promised all kinds of discounts that I never received from XXXX. I was told if I bundle my phones with XXXX XXXX and my existing home phone with wi fi my bill will be the same as I was already paying. That never happened my bill almost tripled what I was paying from the beginning I should have stayed with XXXX XXXX. Since then I had to continuously call for XXXX to correct my bill from being over charged for a watch that was returned and not crediting my account appropriately for the bundle with phones XXXX XXXX and home phone with wi fi. I still never received my XXXX dollar credit that I was supposed to get for a phone that was going to be spread out over two bills beginning in XX/XX/XXXX One of my XXXX XXXX boxes wasn't working for months had to call and get a new box no credit for that. From going to the store and calling on the phone was overwhelming. So now XXXX  has sent my account to collections for a total of XXXX. What happened to my XXXX credit that never happened. This is a dispute I do not owe 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 2017-03-28
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I am using USBank ReliaCard for unemployment insurance and have received a notification that I have funds available. However, I have been unable to withdraw or spend the money, and I have not been able to reach a representative from USBank to help me. When attempting to register the card on their website, I was locked out of my account despite providing the correct information. I have used this card in the past with no issues. 

Money was loaded on XXXX, I attempted to make transactions on XXXX, as well as contacting the 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 2022-08-06
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: DE
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 : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies

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 2022-02-24
Company: Early Warning Services, LLC
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:
Early warning is a consumer reporting agency that specializes for banks. I discovered in XXXX of 2021 that they were reporting information from several banks that did not belong to me because of identity theft. 2 of the banks agreed with me and they stopped reporting at early warning. XXXX, who I have already filed a complaint against for the same actions because they are the ones reporting it too early warning. Early warning has all the proper documentation to remove that account from my file. They are going with a report from XXXX. They have the certified police report as well as the identity theft report in their possession. They go by what XXXX supplied them only XXXX has never talked to me since since I went to the police. The police cleared me because they caught the person that did this and my fingerprints did not match his. That's how I know I am right in this and these people are wrong and harming me because they are arrogantly stupid and doing something that is wrong and against the law. It is beyond me that these people think that they could be correct when the police have already proven it wasn't me. Like trump when he took out the full page ad in XXXX XXXX XXXX XXXXXXXX after the XXXX XXXX XXXX were cleared because of DNA evidence. Sometimes people just want to be right when they are 100 % wrong but when it harms somebody they need to get over that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 my husband and I paid off our Mortgage Loan # XXXX at Fifth Third Bank on Butternut in XXXX MI. To date we have not received a discharge of Mortgage or release of lien on our home. I have spoken with a representative at their customer service department who told me I could go to the XXXX for that information ; we did not make our payments to XXXX. I have also spoken a number of times with XXXX, a manager at their XXXX Branch ( the Branch where we did business ). Each time I have spoken with XXXX, I was told to expect " something '' in the mail or that I would get a call to pick it up at the branch. After a month of repeated calls I have yet to receive anything!!! Is it not a normal course of business for a lender to provide evidence of a satisfied debt to their customer? In the past when paying off a mortgage/loan I have received the original note marked " discharged '' or " satisfied ''. Is this an unusual request?

Company response to consumer: Closed with non-monetary relief