BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other

Complaint:
Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into 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 2016-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America would not remove me from XXXX, nor XXXX. I opened an account with Bank of America XX/XX/XXXX and my account was closed due to Bank of America suppected fraud on my behalf. However, I shared my story with Bank of America by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Bank of America. I paid {$190.00}.

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 2021-12-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX Home Equity Payment Processing Refusing To Honor The Payoff Statement For Home Equity Account XXXX In The Total Amount {$43000.00} As shown Charge Off On My Credit Report. Which Is Discriminator against Me On The Basis Of My Race, Age, Sex, Religion, and Marital Status. Who Refuse To Send Me A Letter That Indicate My Account Has Been Payoff Satisfactory And Not Charge Off. It Actually Saying I Foreclosure On My Home Mortgage Loan.

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 2021-12-10
Company: Colony Brands, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I recently applied for a line of credit back in XXXX to XX/XX/2021 with XXXX XXXX I was initially granted a credit line of XXXX dollars I made purchases through country door arould XXXX of merchandise I as a consumer faithfully and responsibly made good faith too pay the company for the purchases I made allways makeing payments never being late and have paid balance down too XXXX recently this company reported my account too the credit bureaus dropping my credit limit from XXXX too XXXX dollar credit limit throwing my utilization at 228 % for this account causing damage too my score I feel as a consumer Ive been targeted by a mistake on the part of XXXX XXXX  and its company I contacted the company too reference my case without any reasoning and told them I felt I had the rights as a consumer too be concerned of such unfair business practice and would report the matter as a consumer that has made a good Will effort too pay my obligation over time and Ive not been late on any of my current obligations too anyone Im doing business with I respectfully ask for a investigation thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: PLS GROUP, INC
State: AZ
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 received the temporary XXXX card from a PLS location in XXXX somewhere on or around XX/XX/2021. Not even a week with the temporary card, I attempted to report my card ( my entire wallet ) stolen with PLS, but ( first ) the customer portal would never allow me to log on appropriately and every time I went physically to a PLS location in XXXX, I was told time and time again that I had to wait for the new card. Which wasn't being mailed to the address PLS has on file for me, but the new/permanent card would be mailed to the store location instead. It has been a year, I still have no card to replace the temporary one stolen, but the permanent card from XXXX card never came to my residence. Not one of the PLS representatives attempted to find any resolve with the situation I was dealing with and just tried to pass the job off to someone else or tell me I had to wait instead of finding a feasible resolution to the problem. Until this day I can not get in touch with any customer agents internally within PLS. I did file an official XXXX Police Report on this matter ). My entire wallet including the temporary card and info were of many things recently recovered within the contents of my things. 

The following transactions are in question : XX/XX/2021 : {$5.00} fee XX/XX/2021 : XXXX XXXX {$47.00} XX/XX/2021 : Charge {$250.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Charge {$5.00} XX/XX/2021 : Withdrawal {$480.00} XX/XX/2021 : Deposit {$700.00} XX/XX/2021 : Deposit {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 2016-12-16
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.

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 2022-05-16
Company: EQUIFAX, INC.
State: MO
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 reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts 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 XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alleged debt from 2009. It was paid to the best of my knowledge, notwithstanding, attempting debt collections on a account from 2009 ( Last date of activity/account close request by me/consumer ). This is fraudulent and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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:
My debit card was used for several unauthorized transactions. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Have contacted Citizens Bank regarding a denial of my fraud claim. There is NO ONE to talk to, people keep passing the buck and saying, oh, someone will call you in 2 days. And no one does. The Fraud office is closed and all we get is the someone will call you in 2 days. 
The bank is stealing from me, and it's my suspicion that all fraud claims are initially denied, thereby allowing the bank to collect more interest. I'm XXXX, live on Social Security and {$440.00} is a lot of money to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I found an article on the internet that described a citibank consumer promotion. The promotion was open a new checking account, deposit {$15000.00} and leave this deposit in the account for 30 days, then leave at least {$10000.00} in the account for an additional 90 days and earn a {$400.00} cash bonus. 
I contacted citibank, talked to a banker on the phone because there are no branches in Minnesota, said I wanted to enroll in this promotion ( citibank 's promotion XXXX ) and opened an account and deposited {$15000.00} on XX/XX/XXXX. 
After 30 days I withdrew some of the deposit but left {$10000.00} in the account until XX/XX/XXXX ( 90 days ). Before I withdrew this money I called to check I would still be in compliance with the terms of the promotion and was assured I would be. When I asked for a conformation letter to this effect I was told the rep could not send me letter but do n't worry. 
Over the last 90 days I have talked with several citibank customer service reps and several supervisors and was assured I was in compliance with the terms of the promotion and would earn the {$400.00} bonus. 
Supervisors I talked with were XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX who opened an inquiry into the situation, case XXXX, and several other reps. I was assured the bonus would be paid after XX/XX/XXXX. 
Today is XX/XX/XXXX and I still do not have the bonus. 
I called again on XX/XX/XXXX, reached a supervisor named XXXX and was told since an inquiry was opened it would take 45 more days to resolve the inquiry ( first time I had heard this ) and the promotion might not be targeted for me ( first time I had heard this ) since I might not be the target audience for the promotion. 
Several times during this period I asked for a letter confirming the offer and was always told they could not send me a letter but do n't worry everything was fine. 
During this period when I asked to talk with someone with more authority ( since these people were giving varying pieces of information ) I was told this was impossible. 
Several times I was told to go to a citibank branch and talk with a banker but pointed out this was impossible since there are no branches in Minnesota. 
I need help to get an answer. This is feeling more and more like a scam. It is a case of big international bank vs. little consumer.

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 2016-06-06
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a CitiGold checking account promotion where XXXX bonus points would be granted if bill payment was used twice within 60 days. I have electronic confirmation that the promotion was linked to my account, that the requirements of the promotion were met, and that the points would be posted by XXXX/XXXX/16. On XXXX the points had not posted, so I inquired through chat and was told that they were scheduled to post that day. They did not post. 

I recontacted Citi on XXXX/XXXX/16. I was told that an investigation would be opened and I would be contacted by XXXX/XXXX/16 with the results. There was no contact on XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again and was told that they have no record of me being targeted for the promotion and the promotion was being denied. This is despite me having XXXX different confirmations by Citi - that the promotion was tied to my account, the criteria was met, and that the points were scheduled to post.

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