BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: VA
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 Account # 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 2022-05-21
Company: Block, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/2022 {$140.00} was withdrawn at a XXXX  gas station merchant name XXXX  XXXX  I was not immediately aware of the transaction as the cash app notifications and other technical issues did not notify me of a transaction as they were required to since I have my account set up that way. I contacted cash app support and let them know of the transaction in order to have it disputed and investigated contact the merchant as well the merchant told me that I need to contact my financial institution I did so they after about 7 Days responded and said that there was no error found can I request it to see the evidence they use to come with the conclusion and there was none besides for the date amount and where the transaction happened at there's video footage of in the individual who used my card and took the money off my card so they told me that they are not going to do any further action and there would be no nothing that getting my money back they refused to investigate refused to provide any additional information other than what they used to come up with their decision which I received a screenshot of which is only showing the transaction that I can see that I reported to them and told me that there would be no further review my claim wouldn't get any further action investigation and that they wouldn't provide any additional assistance to it dispute # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has once again added a negative remark to my credit report after removing it 3 times no w. I have filed complaint after complaint with CFPB regarding this matter with XXXX XXXX. XXXX will reply quickly, remove or update my credit report, and then it will arrive again on my credit report within a couple of months. My credit report now says " PAYMENT DEFERRED ''. This is a negative remark, and will affect my ability to secure future mortgage financing. I need this to be removed. I have proven over and over again that this remark is not accurate. XXXX has provided me numerous apology letters stating this information is not accurate, and then they remove it. I need this to be removed immediately because I am in the process of having a home built and trying to secure financing. 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 2017-01-27
Company: Diversified Consultants, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions 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:
On XXXX XXXX Experian received a certified mail letter requesting investigation of a dispute of inaccurate account information with my XXXX XXXX account. I sent them account information from my credit report from all three credit reporting agencies showing that XXXX has reported vastly different info to all 3. The discrepancies range from inaccurate credit limit, high balance, date of last activity and date of last payment. Experian failed to verify this info. They also refuse to provide the method of verification as requested multiple times.

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 2020-08-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a letter in the mail confirming the above account should not be on my credit reports, I am writing this to expedite the removal of the account due to the enormous amount of financial stress and burden this has caused. I have attached such evidence in the attachments. Please execute this in a timely fashion. Failure to comply is a violation of the FCRA

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 2016-09-16
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # 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 non-monetary relief
Consumer complaint received 2020-08-16
Company: ERC
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: Old information reappears or never goes away

Complaint:
Enhanced Recovery has repeatedly re-aged a debt that is over 10 years old to give the appearance of a new debt, which is clearly illegal. After disputing this debt through XXXX they have been unwilling to correct this mistake and remove this error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, a fraudulent charge in the amount of {$73.00} was charged to my Shell Mastercard ( Citibank ). I immediately made a call to Citibank and attempted to put in a fraud claim, and the representative told me I needed to wait until the charges cleared to take any action, and could not even deactivate my card. The web portal would also not let me report my card as stolen at this time. Believing the representative, I let it be. 

On XX/XX/XXXX, a second fraudulent charge in the amount of {$350.00} was charged to the same card. I ( again ) immediately called Citibank to report the issue. The representative I reached this time was able to initiate a fraud claim and deactivate my card, as well as temporarily reversing the charges pending investigation. 

On XX/XX/XXXX, Citibank reached out, but I have not been able to return their calls due to the opening hours of their Security Operations department ( XXXX M-F ). On XX/XX/XXXX, I attempted a call, but I was then informed of their hours and was unable to proceed ( the XXXX is a saturday ). 

On XX/XX/XXXX, this fraud claim was denied, with no evidence provided as to their decision. I placed a call to Citibank to attempt to escalate or resolve the issue, but they informed me the department in question ( Security Operations ) is not open and could do nothing whatsoever.

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 2022-05-21
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Previously, I have always paid my balance in full every month with CitiBank. I accepted a Flex Plan offer to pay for appliances & since then I have been charged interest on every statement on my regular balance. I still pay my regular balance in full every month & make the required Flex Plan payment. I understand that I am paying interest on my Flex Plan balance every month. I called in twice to request the total minimum payment required to avoid interest on the standard balance & in both cases, given an incorrect amount. Paying this amount resulted interest being charged on my standard balance. Just before closing the account, I redeemed my awards points on Citi 's website for {$130.00} of credit towards the account & appears that my request was cancelled on Citi 's end & the points forfeited due account closure.

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 2022-05-21
Company: Financial Data Systems
State: NC
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:
the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting. 

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 
They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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 failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was working for a man who sent me a check. I deposited the check, and he asked me to make XXXX payments to an " art supplier '' by the name of XXXX XXXX XXXX, address is XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX. I sent her {$1500.00} and {$1200.00} through MoneyGram on Saturday, XXXX XXXX, 2015 from XXXX separate locations. The following Wednesday, XXXX XXXX, 2015, I looked at my bank account and the check that my alleged employer sent me had been returned, thus putting my bank account in the negative balance. Once that had happened, I received another check for the same amount, so I took it to the bank to see if they could call and check the validity of the check, and they called the other bank and without even providing the checks information, the other bank told my bank ( XXXX XXXX XXXX ) that it was most likely a fraudulent check. After seeing that, I went to the police department and gave the Officer all of my documents, emails, and texts. They told me this has been happening more than you would think, and that the bank should work with me so I do not have to pay for the fraud. The bank submitted a dispute of the charges to MoneyGram to try and get some, if not all of the charges back. They also told me to contact MoneyGram and see if they have the information from the person that picked up the money as well. I will also upload the receipts from both MoneyGram money transfers as well as the Police 's Case #.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice from Credit Bureau Associates ( CBA ) on XXXX XXXX, 2015 regarding a debt that is not mine ( {$3000.00} ). I checked my credit score, and it already had shown the negative mark for this debt. This is the first time I had heard of the debt. The debt is not mine, and I had no knowledge of the debt or the service prior to the letter from CBA. The letter references a XXXX XXXX, in XXXX CA, which I had never heard of. I first called the Federal Trade Commission ( FTC ) to find out what to do. They said to dispute the debt, and that the company would have to produce evidence within 5 days, or I could file a complaint. I called CBA on XXXX XXXX, and no one answered, so I left a message, with details and disputed the debt. XXXX XXXX ( from XXXX ) returned by call on XXXX XXXX, at approximately XXXX ( the call was recorded by CBA ). I confirmed my dispute of the debt, and requested their evidence. XXXX said that their evidence was from DMV, and that it would be sent to me within 5-10 business days. I told her that I expected it in 5 days, because that is what I understood to be the law. I confirmed my current address and phone number to CBA on that call. Since that time I have received, or heard, nothing from CBA. I sent a letter to CBA on XXXX/XXXX/15 describing the above, and again requesting evidence of the debt. 
I also called XXXX XXXX, in XXXX CA, on XXXX XXXX, regarding this notice. They said that they had sent all of their files regarding this account to CBA, and that they would call CBA on the same day and get back to me. They said that it would be faster for them to contact CBA, and hear back, then it would be for me. They said that their evidence was from DMV that I owned an XXXX Suzuki motorcycle that they had towed and still had in their possession. I have never owned an XXXX Suzuki motorcycle, never had a motorcycle towed, and never heard of their company, and I told them that. I called XXXX XXXX two days later to follow up. I never heard back from XXXX XXXX either. I sent them a letter on XXXX/XXXX/15, describing the above, and disputing the debt and requesting evidence.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Chime Financial Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I had got my unemployment sent to chime an not three days later they closed my bank account an refused to give my money back that I had in the account ... say I was not eligible for a refund check

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).

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 2016-07-13
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.

Company response to consumer: Closed with explanation