BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Beginning in 2018 I informed Navient that I was not a cosigner on a loan for my XXXX.  I had been a cosigner on a loan for her that I paid off completely but was not a cosigner on another loan through Navient. I did make payments to the second loan as a courtesy to my XXXX who was struggling financially but never signed on as a cosigner.     I went through an extensive process with them that required filing police reports and obtaining a large amount of documentation.  They indicated that since I made payments on the loan it indicated that I was responsible for it and they considered me a cosigner.      I wrote to them many times without response.  My Attorney alsop wrote to them without response.  I indicated that I would be happy to litigate their claim but that until it is resolved  they should not impair my credit.   However, they have severely harmed my credit and caused me to have to pay much more on the mortgage for my home and laon for my automobile    Navient remains unresponsive to my requests to not harm my credit and/or to litigate their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
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:
My interaction with Equifax has been frustrating. I noticed that there were XXXX fraudulent accounts, XXXX  ending in XXXX and XXXX Bank ending in XXXX, inaccurately reporting on personal credit report and I demanded them get removed by certified mailing Equifax a packet of information with copies of an identity theft report, SSN card, driver 's license, and proof of address for their identification purposes, and a cover letter stating. Initially when they received my packet they removed both of the fradulent accounts but this past month in XXXX, Equifax said that they had conducted investigations into both accounts and supposdely " verified '' that those fradulent accounts were mine. I was never contacted by them to ever provide any sort of documents or statements to help verify anything. Equifax had reached out to the furnishes who would've been XXXX and XXXX and used them to determine " verification ''. But according to the FCRA, I am the only person that can verify such type of information. They reinserted both of the accounts and now they both are reporting on my personal credit report. This is continuing to cause harm to my reputation, stress and disruption in my life and causing me emotional stress. Once I they notified me that both accounts were reinserted, I certified mailed Equifax an affidavit of truth one for the XXXX  and one for the XXXX accounts with all exhibits mailed to them up to that point and explained how they illegally reinserted the XXXX fradulent accounts back onto my personal credit report. These were mailed on XX/XX/2022. They've yet to send me a response or delete either account and they received one on XX/XX/2022 and the other on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BBVA FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Rewards

Complaint:
BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card and its special XXXX Rewards feature during XXXX Finals ( cardholders can get up to XXXX the points for purchases made during the Finals ) has led BBVA to suspend purchasing on my and numerous other consumers credit cards due to " security concerns '' when BBVA fully well knows people are trying to use their credit cards to cash in a bank promotion that the Bank is not fulfulling. I have tried contacting BBVA about this issue by email, phone, XXXX and XXXX. I have not gotten any answer other than that someone will call be back. As this is a time sensitive promotion, I need specifics or I will consider this fraud by deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me 14 times since XX/XX/2022. I have received no written communication about any debt. I don't recognize this debt or the phone number that keeps calling. I signed onto my XXXX XXXX today and saw the account on my credit as well. I have disputed the account with XXXX. This company has called me XX/XX/XXXX at XXXX EST, XX/XX/XXXX at XXXX EST, XX/XX/XXXX at both XXXX and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX EST, XX/XX/XXXX they called 4 times! : XXXX, XXXX, XXXX, and XXXX EST, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX Per CFPB Regulation F - a debt collector may not call a consumer more than 7 times in 7 days. This debt collector is in violation of this rule and are harassing me. 
Additionally, I never received a validation letter for this debt and do not recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company IQ DATA INTERNATIONAL is trying to make me responsible for an account that does not belong to me however theyre saying now that someone else has paid for the account and paid it off but they still have it on my credit and it does not belong to me I have no knowledge of this account is not my account it dont belong to me and it may be on my credit report due to identity death but the company would not remove it off my account when it doesnt belong to me and someone else obviously almost is account and they are paying for the account but they still are reporting it negatively on my account when theyre saying someone has already paid or settled the account with them but it is still on my credit report and it Never should have been on my credit report believes it does not belong to me and this company IQ DATA INTERNATIONAL is not even willing to remove it off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: FACTUAL DATA CORP.
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: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a refinance with a XXXX XXXX XXXX  XXXX XXXX  through a loan officer, XXXX XXXX. After waiting for a decision on an approval, a few months afterwards, I noticed that my current home lender ( XXXX XXXX  ) had done a hard pull on my credit through Factual Data on XX/XX/2019, that I did not authorize. I mentioned this to XXXX since he was working on the refinance with a different bank. XXXX informed me that he had switched companies and pulled my credit with the new company. 

I did not authorize XXXX or XXXX XXXX to pull another credit report and process a refinance with that company. If I had known of the switch to a new company, I would not had authorized such a pull. To date, I have not signed any document authorizing XXXX to pull my credit or process any application for credit. 

I contacted XXXX and XXXX regarding the unauthorized pull and both directed me to contest it with the credit bureaus and it would be corrected. I contested the hard pulls with XXXX  and XXXX. I received a copy of an unsigned loan application from XXXX Consumer Assistance along with a notice regarding Identity theft. The unsigned loan application was apparently generated after my credit was pulled without my permission and has no bearing on whether I authorized a credit inquiry. To date, the inquiries have not been removed from the credit reports. 

This hard credit pull has impacted my credit score negatively and has limited my refinance option with other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CITIBANK, N.A.
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: Other problem

Complaint:
Dear CFPB, This complaint is a follow up complaint to these two, which you have marked as closed but have never been resolved.
XXXX XXXX Citigroup insisted that I complete, at my time and expense, a Power of Attorney, before discussing with me, their establishment of a very large credit line in the name of my XXXX XXXX wife. I did this as they requested and send them the documentation in early XXXX.
Instead of contacting me, they are now calling my wife, who is XXXX XXXX. The whole point of getting the POA was so that they could discuss with me, but they are going around my back and not honoring the terms of our agreement to date.
Please have them contact me as was our deal from the previous complaint.
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 explanation
Consumer complaint received 2022-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XXXX of XXXX, I checked my Business Account ( XXXX ) because I've noticed an obscene amount of money missing and noticed there has been many unauthorized charges/transactions that range from XX/XX/XXXX to XX/XX/XXXX totaling approximately {$11000.00} that have been made through my account that I did NOT authorize nor make. I immediately went to my local branch of Bank of America located at : XXXX XXXX XXXX XXXX, XXXX, TX XXXX and spoke with a personal banker to get some help on resolving this issue, and felt they would be more of help if I went in face to face. So, after we went through my account together, I was presented with a printout of all the charges and they even helped me with the dispute process on site. So, after about 11 days from my dispute, I received 2 denial letters in the mail stating they were unable to approve my recent claim ( XXXX ) due to : " The charge was made by you or by someone who has permission to use the card or account. '' And as I explained to the fraud department when I called, I have never heard of the person that some of the XXXX transactions were made to, nor do I have any said transactions in my XXXX account that could confirm that I sent the person ANYTHING, not to mention all the charges from a subscription service, multiple large transactions that happened at XXXX XXXX as well as many others, and I was told there was nothing they can/will do. So, my next step was to my local police department to file a report ( XX/XX/XXXX ) where I had to list all the charges that I tried to dispute with the bank, I even did a little investigating on my own and found that the person/young lady who my money went to and whom I believe hacked my account somehow and stole my heard earned business money and presented all that to the police department as well. And right after that I went back to the same local bank branch to re-open the claim for further investigation and still to the date of XX/XX/XXXX I have not received any further correspondence from them. I've had my business account for almost 40 years with Bank of America and don't understand how they can just allow their consumers to be taken advantage of and not try to do a thorough investigation to recover what was stolen. I am an XXXX, XXXX citizen on a fixed income, and for my money to have been taken from me and I get absolutely no help from the financial institution that I have trusted with my savings that I lived off of, is Ludacris. My next from here is to consult with legal counsel, and including but not limited to my local consumer reporter.

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 2022-07-11
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a call from my bank 's phone number saying that someone tried to take {$2500.00} from my account and that they needed to transfer it back into my account. I did not give them any information they had access to all of my accounts and proceeded to remove the money from my account using XXXX. There was nothing I could do to try and cancel the transaction and my bank said it is unlikely that I will get the money back because it was a XXXX transaction, even though I did not authorize the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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:
I paid the full amount due on my account of {$1500.00}, and did not settle on the balance due. I provided a copy of my bank statement to Experian and contacted the U.S. Department of Education and the referred me back to Experian to fix the issue because they showed it as paid in full. I keep getting referred from one back to the other and this issue has been an error on my report for almost 2 years, impacting my credit score. I've followed the process and no actions haven been taken to rectify the issue. I made the payment on XX/XX/2018 for the amount of {$1500.00}. Not sure what else I can do to fix this issue, which is why I decided to file a complaint. My complaint is against Experian and the Department of Education.

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 2022-07-11
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CIT Bank, NA, closed my account on XX/XX/2022 for no reason given with no warning and for no issue I can discern. I had a cash balance in this money market account of {$110000.00} ( rounded ) and they paid out by check the full balance plus {$63.00} ( rounded ) for the XX/XX/2022 accrued interest ( total of {$110000.00} ( rounded ) ). They sent me 2 letters saying I had to pay back the {$63.00} ( rounded ) interest without providing me with final statements or any additional details as to why and at the time I had no knowledge the {$62.00} they were asking for was because they believed they didn't have to pay me interest. The 2nd letter arrived on XX/XX/2022, AFTER this unpaid claim was filed with XXXX. I called XXXX both times I received a letter immediately and asked them how to pay the reported but unexplained {$63.00} ( rounded ) and in both cases ( plus a 3rd additional call ) I was told to ignore the letter it was sent in error and there was no missing balance on my account so any check I submitted would not be credited against my account. The 2nd call was routed to the fraud department which informed me there was no issue and I shouldn't worry. Please remove this erroneous and unfair mark. I have worked hard and saved plenty of money and {$62.00} ( rounded ) is not a meaningful amount to me, I will happily pay it off to remove the issue which is now affecting my XXXX rating- albeit, it's an unfair charge which XXXX is leveling to me and makes no sense since they closed my account and sent me a check for all the funds in the account. 

The entire issue caused me missed work, caused me fees for having insufficient funds at another financial firm on time ( I paid those fees because I don't have issue with covering fees I owe ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was a long-time member of SUNTRUST BANK which just completed it's merger transition to TRUIST BANK. Since the final migration of my bank with TRUIST in XX/XX/2022 my TRUIST issued debit card is continually denied, which is my primary method accessing my funds for daily living, bill payment & rent. I have spent hours of my time with the customer support & fraud/security telephone reps with no resolution. I get vague responses like " we don't understand why it is not working..we re-set your debit card it is OK now ''. Afterwards the debit card is always declined at ATM 's and point-of-sales locations. 
To mitigate this problem I have tried to transfer my some of my checking funds to another bank in an account I rarely use. Of the 3 bank transfers I have submitted two have been stuck in the 'processing status ' for a week and the third was cancelled by TRUIST. 
Now I am having to take out a loan with my other bank just to to pay my rent & utilities because I can not access my funds in TRUIST. 
When I can reach TRUIST via phone, after hours of waiting, I get no resolution and I am passed from one rep to another until I eventually get cut off. 
I have almost $ 100K in my TRUIST accounts and I can not access a cent of it now.

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 2021-08-25
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sold a car on XXXX. Received payment through cashiers check for {$2500.00}. I deposited the check through the mobile application on Monday XX/XX/20 and the funds all cleared within 36hours. Shortly after the funds cleared and I began to close the sale, the buyer called to back out of the sale citing family turmoil XX/XX/20. I was pressured into sending the funds via XXXX/XXXX XXXX. I didnt think anything about it because my bank cleared the funds. I made three transfers on Wednesday the XXXX : 1. XXXX {$500.00}, 2. XXXX {$1500.00}, 3. XXXX {$500.00}. After I returned the money, my checking account reflected the normal amount before the check had been deposited. Thursday the XXXX I went to buy food and my debit card was declined. I called the bank and was notified that the check I deposited was reported stolen and that the funds would be replaced. On Friday XX/XX/XXXX, my direct deposit from work came in and my account was still negative. I called Citibank and they notified me that I would be responsible for the fraudulent funds I transferred out and that they are not responsible for any checks deposited. I argued that I did not know that the check was fraudulent and that the funds cleared in my account. Furthermore, I would not have authorized the transfers through XXXX/XXXX  had I known that the funds were fraudulent. I spoke to several supervisors and they all told me that because I authorized the transfers from my account that I was solely responsible for the fraud and that they would not be able to credit my account for the stolen funds. They said that the check was cleared at first in good faith, and only after the return transfers were made was when the check was flagged as stolen. I am left to assume the risk and liability of the entire thing. I filed a police report and also contacted the federal trade commission.

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