BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/22 I went to a XXXX atm in XXXX Ohio attempted to withdraw {$320.00} and the atm give me XXXX XXXX dollar bills so I disputed the charges with cashapp and they said they found no wrongdoing and now my cashapp is still in negative even tho XXXX admitted that the atm was pack wrong now cashapp is not replying to me at it being 6 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a request to the credit reporting agency Equifax disputing the medical collection account and have made several calls to XXXX collections requesting they forward information on the debt they claim I owe since XXXX XXXX. I have not been successful on correcting the issue and resulting on negative effects on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection Services of Athens, who I never had a contract with or gave permission to trespass on my estate damaged my credit by trying to have me pay them for an alleged debt owed to XXXX XXXX. To stay in honor and understanding that I'm the true creditor I sent the presentment with an negotiable instrument and affidavit to satisfy the claim with a postal money order by register mail. Collection Services of Athens have received the package and have not responded but yet continues to damage my credit. I'm lead to believe Collection Services of Athens feels they can just hold the mailing and not respond or correct the record ( i.e my credit report ) to make me whole.

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 2020-05-27
Company: EQUIFAX, INC.
State: NC
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:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed Collection After was paid in FULL. It Came OFF My report. Two Weeks later SAME COLLECTION Was reported as UNPAID. Disputed AGIAN, Collection agency reported as Collection UNPAID AGIAN. Tried to Contact Company and I can NOT Get a hold of Anyone from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.

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 2020-06-15
Company: EQUIFAX, INC.
State: VA
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:
Broad issue - A doctor 's office that I had used incorrectly referred a bill to a collection agency ( XXXX XXXX XXXX ), who subsequently reported the placement to the three major credit bureaus. This bill had been paid before it was ever placed - because it was placed in error, XXXX XXXX XXXX  stated that they would fully delete the collections account from all three bureaus ( see confirmation letter attached ). 

Both XXXX and XXXX XXXX completed this deletion within ~24 hours. Equifax did not, and instead reported it as paid/XXXX balance, but continued to leave the record intact. I initially disputed this with Equifax on XX/XX/XXXX. Unlike the other bureaus, they took until XX/XX/XXXX to reply back and to let me know that they were only reflecting it as paid ( not deleting it ). I  thought they must have missed the point around deletion, so submitted another dispute on XX/XX/XXXX, including the letter from XXXX XXXX XXXX attached here. On XX/XX/XXXX, they responded that the debt was verified as mine, and therefore they would not change the reporting. They are completely missing the point and the evidence that the entire tradeline/collections report is invalid. 

I am currently in the middle of a mortgage refinance that is being held up by this issue, and am considering filing a lawsuit against Equifax to resolve this. I don't understand why the other two bureaus can resolve it so quickly and smoothly, while Equifax repeatedly ignores the evidence submitted. I also called their customer service line, and got multiple agents that ultimately provided no help at all. 

I want this trade line deleted, as it should have been in the beginning, and as XXXX XXXX XXXX has confirmed that they processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.

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 2016-08-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have an incredibly high student loan debt near {$200000.00}, half with Navient, and half with XXXX. I have already submitted a claim for XXXX since they do not have an Ombudsman office. For Navient, I spoke to a very nice woman in the Ombudsman office who said she was essentially executive management at Navient, and whatever information she provided was the best I could get. I send her the Cost of Attendance estimates that my school, FIT, provided from the Financial Aid office, which is what they said was considered when they approved all of my loans. This is very disheartening, as I believe about 60-70 % of what I was approved to take out was irresponsible and way too much based on the Cost of Attendance estimates. Navient 's contact said that there was nothing she could do, since I signed the promissory notes - she offered no additional options or advice. She even agreed I should speak to a lawyer regarding my issue. I want to live my life, not be burdened by the mistakes I made when I was XXXX years old. I need to be able to save for a house and family. I need options other than paying this loan back until I 'm XXXX. I also need someone to take responsibility for the predatory lending I am a victim of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2016-10-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I made a payment to my gardener of {$370.00} via XXXX from my Chase Bank account app. The money was never received. My local bank branch manager and the recipient have verified to my satisfaction that he never received the money in his XXXX XXXX XXXX account. He is also missing another payment from Chase made by a neighbor of mine, ( now deceased. ) Chase has refused to credit the money stating that everything is normal from their end. XXXX XXXX XXXX refuses to help because their institution never received the money. I can not talk with XXXX because they will nor respond to queries or complaints unless you used the XXXX app. My bank manager has verified with a XXXX  XXXX XXXX bank manager that the money was not received. Chase refuses to help me further, stating that their data shows the money was received, and that they can not contact XXXX to work on the problem. XXXX appears to be particularly opaque in their handling of other people 's money, not answerable to anybody if a mistake occurs. I am concerned that money is being siphoned off fraudulently in these transactions in small amounts, but Chase is unconcerned and XXXX is unreachable. 
The transaction number for the missing money is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XXXX XXXX of XXXX wired payoff funds to Chase, XXXX and escrow disbursements to XXXX XXXX. On XX/XX/XXXX, XXXX paid off my XXXX and XXXX XXXX acknowledged receipt of tax payment. Chase also paid taxes around this date despite being in contact with XXXX XXXX which created an escrow advance, but they did not post payoff funds on the mortgage, claiming to have only received it on XXXX. On XX/XX/XXXX, Chase transferred my mortgage to XXXX XXXX. On XX/XX/XXXX XXXX paid off the mortgage and are now saying I owe them money for a short payoff. I've contacted XXXX XXXX, XXXX XXXX and both Chase and XXXX and am getting nowhere. I should have a refund, not a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have multiple private student loans with Navient. I have been in numerous agreements on monthly payment plans. I was threatened that if I did not make a settlement payment I would face legal actions as would my co signers. I examined that financially j could not make such a payment and they continued to harass me, my employer, my husbands employer, my Mother in law, even my next door neighbor. I finally had to borrow the money and paid them {$8000.00} down. I requested a receipt and explaination as to how this payment was being allocated and the new payment plan l. I never received anything o asked for and then they continued to harass me and asking me for another large settlements. This is absolutely ridiculous. When I have no problem making realistic monthly payments. 
Then sometimes they withdraw 2 times for same payment and do not reimburse me. This is out of control and does not seem to be legal! I need it to end

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX is claiming I owe {$670.00} and XXXX XXXX claiming {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.

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 2022-07-21
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened this account through an invitation on my citi credit card account screen. 
I have a similar relationship with another bank, and had no reason to suspect any problems with citi. 
On XX/XX/XXXX. I started funding it conservatively, and I received an ATM card. My linked XXXX  checking Account was the source of most of the funds. I was also able to cash and deposit my citi credit card rewards. ( see attached ) Things seemed fine, so I continued deposits totaling {$40000.00}. ( no withdrawals ) My last deposit of {$10000.00} was made on Friday XX/XX/XXXX in the morning. That afternoon, my account disappeared from my Citi home screen, where just hours earlier, it had accepted a {$10000.00} deposit. I did not have any withdrawals and the ATM card was never activated. After pressing them, I received the attached email. When I called the number provided to ask questions, I spent hours on hold, and the only reply " Your account is under review, it will be closed in 30-60 days and a check will be mailed to you. I was refused an answer when I asked why it was under review. When I continued to ask questions, I was hung up on. Twice, on separate calls, I requested to speak to a supervisor, ( who was not available ) and told I would receive a call in 24-36 hours, and I should keep the line open. Neither call was returned. 
On XX/XX/XXXX, Citi Customer Service was able to confirm my correct balance in the amount of {$40000.00}. 
Today, XX/XX/XXXX, the first time i called, I was unable to obtain my balance information and again was refused answers to questions. The second time I called, my correct balance of {$40000.00} was confirmed. .I asked for my account number which was not provided. 
I never received the full account number, the ATM number and or my SS # were used to identify my account before refusing to give any information. Last 4 digits are XXXX. 
I believe citi enacted a new policy in their client manual on XX/XX/XXXX to address the mistake they made, Meanwhile, my {$40000.00} is being held hostage, with no explanation.

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 2019-12-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/19 I reached out to XXXX XXXX XXXX XXXX to settle an account that I cosigned on, that was originated with Navient. They agreed to accept a lower amount ($XXXX), if it was paid that same day. After receiving the offer by email, I called back and paid in full, by electronic check. I was assured that I would receive an email and letter that this account was paid in full, and that this account would be removed from my credit report. The payment cleared my bank on XX/XX/19.  I have called XXXXr 6 times beginning on XX/XX/19, and each time was told that I would receive such letter by end of business day.  As of XX/XX/19, have not received letter or email. I have also reached out to Navient on XX/XX/19,  with no better luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 account listed below is still reporting on my credit report in violation of federal law. The TransUnion 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 remove the account completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX {$920.00}

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 non-monetary relief