BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-23
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: MD
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:
I submitted a disputed to all three credit bureaus against XXXX XXXX open balance of {$65.00} in XXXX. XXXX XXXX XX/XX/2021 XXXX immediately removed outstanding amount from Credit Report however XXXX  and Experian came back that the amount was valid. I proceeded to submit ( XX/XX/2021 ) the dispute report from XXXX  and XXXX  is currently researching for over 30 days and Experian came back that the amount was valid. I attempted to resubmit a dispute to Experian and I was not allowed as it was determined that the matter was closed. I then waited a few days and submitted another dispute with the XXXX XXXX report and a copy of the money order ( XX/XX/2021 ). Immediately I received an email that the dispute was valid. I proceeded to call Experian where I was repeatedly asked what new information did I have available. I asked the representative what additional information would be needed than proof that another credit bureau found the information needed to be removed without any documentation. However I also submitted a copy of the money order. After being asked multiple times if I had additional information the representative stated they were able to see the documentation I originally submitted and hopefully the reviewers would see it and remove XXXX XXXX from my report. However I receive multiple emails from Experian that the matter is being investigated and XXXX  states it is still under investigation. There is no reason that this issue should have taken multiple submissions over 2 months. It should be resolved and the items removed.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently recertified my income for an IDR plan with Navient, and discovered in receiving my updated payment amount that Navient had placed me in IBR instead of PAYE. In further discussion, I learned that I was placed in IBR XX/XX/2013, when I first consolidated my loans and applied following my six-month grace period, although Navient has paperwork showing I requested to be in a PAYE plan at the time. Despite numerous discussions in which Navient acknowledged the mistake, Navient has insisted that I need to re-apply and make one month payment on the standard repayment plan, rather than being administratively switched to PAYE. I believe the mistake was made because the paperwork for PAYE was limited at the time ( PAYE required a separate, ad hoc communication because the OMB form including PAYE had not yet been published ), yet Navient refuses to own up to its error. I have hit walls at Navient, and am now looking for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, I was awarded an XXXX  from the CFPB. I procured the equipment in needed to satisfy the XXXX, and wired some money to a legitimate supplier on XX/XX/2022. On XX/XX/2022, I got confirmation that the XXXX was fraudulent and so I filed a police report with my local precinct. Detective XXXX XXXX was put in charge of my case. On XX/XX/XXXX, he informed me that he'd put in a request to reverse my wire transfer. 2 weeks later, on XX/XX/XXXX, I followed up with him to ask about progress. He asked me to follow up with my bank as he didn't have any information. I did as he suggested. In that day, the bank froze my account and asked me to go to a local branch where I could get identified in person so my account could get unfrozen. I have since been to that branch 3 times and I have made numerous calls to the fraud department of Truist Bank and my account is still frozen. This is my business account. My business loan repayments and client payments go through this account. No one is giving me a valid reason why my account is still frozen. I just want to access my funds so I can close my account with this bank.

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 2016-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America needs to comprehend and appreciate the complexity of legal matters which have interacted into XXXX, XXXX XXXX XXXX. THIS CFPB Complaint supplements XXXX. USDJ stipulated settlement to BofA was caused or brought about, all or in part, in 2008, when IRS estate tax proceedings were obstacled by a realtor bandwagon, who may have been staging strategies for an estate coup de tat, which was counteracted. SERIOUS HUMAN RIGHTS AND CIVIL RIGHTS VIOLATIONS BECAME INTERTWINED, AS FEDERAL, STATE AND LOCAL GOVERNMENTS, WITH BANK OF AMERICA AND ITS PRODUCTS, BECAME VICTIMS WITH US, XXXX IN NEEDLESS DAMAGES.

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 2015-08-23
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I received private loans to finish my degree with the University of XXXX. After successfully graduating, I have been unable to repay my loans as I have been unemployed and unable to find full-time work. I am no longer able to put them in deferment or forbearance and I am on the brink of defaulting because the loan provider has said I have no other options and I must make payments. Being unemployed and trying to pick-up any odd job possible while my wife teaches and I take care of my kids leaves me short of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?

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 2022-11-16
Company: Resurgent Capital Services L.P.
State: OK
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:
I've filed a dispute with XXXX XXXX where it was sold to Resurgent Acquisitions LLC credit card company . where I have been inarcerated in the Oklahoma department XXXX XXXX since XX/XX/XXXX serving a 25 year sentence in the Oklahoma department XXXX XXXX. Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my DOC prison Identification with my Social security card. Which could've all been verified by the Department XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been incarcerated for the past 17 years in the Oklahoma department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Filed a claim for {$63.00} with chase bank on XX/XX/2016 Have called them every single day to fight with them tooth and nail jus to get a temporary credit to my account due to their system being very unreliable to work proficient and efficient! As someone who sacrificed everything for this country in the military, I should not have to come home and fight for my money that XXXX is holding as ransom and screwing up my financial matters!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have contacted CitiMortgage several times to request a deed in lieu and have been unable to make any leeway with the process. There has been no acknowledgment of receiving my documents and no one seems able to provide any consistent accurate information whenever I call in. I requested the deed in lieu at least a year ago and submitted the documents via e-mail several times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation