BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-10
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:
I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loan and other fraudulent accounts I have never opened or gave any one consents to open. Please delete these items from my account as soon as possible.

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 2017-03-03
Company: Comerica
State: MS
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Unauthorized transactions/trans. issues

Complaint:
My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12
Company: Focus Holding Company
State: ID
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:
In XX/XX/XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XX/XX/XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XX/XX/XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now XX/XX/XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of XXXX ( XXXX ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XX/XX/XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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:
belongs to someone with a similar name please remove

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 2016-04-10
Company: Navient Solutions, LLC.
State: KS
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:
In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am very unhappy I live on a very tight income and yet every time I call they give me options but options I can not afford. I had made a call on XXXX and spoke to a customer service representative that assisted me in regards to my loan. I went ahead and explain to him my situation I let him know that I can not afford to pay this loan my means are tight and I do n't make enough let alone I have to repay credit cards for being out of work for a year and a half. Let alone I am checking my credit on credit karma and find out that my credit score has dropped significantly and it 's all due to this loan I am in urgent need to have this loan forgiven, for I 'm not able to afford to pay this loan. I am struggling right now with my income and trying to catch up with my current bills. Please understand my situation it 's been hard since I graduated from University XXXX have not been able to land a good job with a good salary and I have to eat and I have to have a place to stay and I have to have my transportation. I urge you to please consider me for student loan forgiveness. I have very little income coming in and I pay rent I pay car note and I pay my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am attempting to short sale my home to avoid foreclosure and being evicted from my home. I did n't qualify for any home retention program and realize that I must move out of the home. I contacted a Realtor to short sale my home so that I could leave my home with the debt settled instead of being evicted and having a Foreclosure showing up on my credit. I received an offer on my home that according to my Realtor is a good offer considering the current damage to my home. She submitted the offer along with supporting documents that included a BPO with colored pictures and a repair estimate for the cost of these repairs. The lender rejected both the offer and supporting documentation. They have an appraisal that is showing the home worth more than what it is due to the damages to the property. The lender 's appraisal did not identify or take into account any damages when figuring the appraised value of the property.

Company response to consumer: Closed
Consumer complaint received 2015-04-17
Company: Focus Holding Company
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls and voice mail from this number identifying themselves as XXXX Focus Receivables, a debt collection agency and requesting a callback. They provide no reference account numbers or details then ask me to leave information. I do n't owe any debts to anyone and these calls are disrupting my right to quiet enjoyment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling me everyday even weekends and leaving me messages to call them back. Call them back they have automated systems

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: PLANET HOME LENDING, LLC
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are a small homeowners association and this home has sat vacant for at least 5 years. We periodically get notice that a foreclosure will go forward and nothing happens. The last notice we received was XXXX 2015 with an Amended Complaint For Deed of Trust Foreclosure. We have not received {$3500.00} in dues and fines to date. This home is also becoming an eyesore in the community with landscaping issues, break ins to the home and fencing falling down.

Company response to consumer: Closed
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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. The list of account below has violated my right to privacy and confidentiality under 15 usc 1681.

XXXX  Account # XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

For account XXXX from XXXX XXXX of {$8400.00}

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
Consumer complaint received 2020-06-10
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I received a bill for an end of lease disposition fee in the amount of {$420.00} from GM Financial leasing. I received it on XX/XX/XXXX, due on XX/XX/XXXX. Not much leeway time there. I called this week to see if I can get a waiver or partial waiver of this fee for the following reasons. 1 - I am still an existing GM customer as I have another leased vehicle, 2 - Due to COVID and the fact that I have XXXX XXXX XXXX my work situation has changed and my income has been reduced. and 3 - The vehicle was returned in mint condition and significantly under mileage. While the individual I spoke to was very cordial there was no consideration given to my request. I then attempted to file a complaint on the company 's website and when I went to submit ( tried 3 times today ) it said you can not submit this complaint and gave me another phone number to call. I am extremely disappointed that my request is not even being considered and that the communication is so poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX : I reviewed my credit report and saw a collection from XXXX XXXX. I do not owe this debt. This company never attempted to call me or write me a letter, so that I could dispute this debt. My contact information is the same. I am requesting that this debt of {$5200.00} be removed from my credit report from this company. I would have appreciated a letter or call, because my credit was impacted. Please remove this debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Trying to obtain a payoff from Planet Home Lending, on XXXX/XXXX/2015 we faxed an authorization to release the mortgage payoff signed by the borrower. We follow up with the lender and was told that they did not received the payoff. We resent the request and follow up with a phone call to make sure the request was received. We were then told that the payoff was sent via Fax and for us to check our fax. We checked and saw no fax. We called back and was then told that they called the borrower and the borrower stated ; to not send us the payoff but to XXXX XXXX XXXX, which was not soo. We called the borrower and he stated that XXXX XXXX XXXX need the payoff to movwe the loan forward so when he called he told them to send to XXXX XXXX XXXX, he assumed that they would still send us the payoff we requested. So he called them after our conversation to clarify that they need to send XXXX XXXX XXXX company the payoff as well and that he was closing on XXXX/XXXX/2015. We need your help. We were hung up on twice by XXXX XXXX and was lied to that the borrower did not call them to authorize us getting the payoff, although we sent the XXXX authorization via FAX. This company should not be in the servicing business, they are like a boiler room!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Was a cosigner and instead of checking main applicant, salesman took it upon himself to totally check my credit without notifying me until the day to sign I find out the loan was all me instead of the actual individual that I cosign for. That is why I have so many hard inquiries. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
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: Old information reappears or never goes away

Complaint:
Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX children and need this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MD
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:
inaccuate web information

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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
inaccuate web information

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 2022-07-24
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: Old information reappears or never goes away

Complaint:
XXXX Account is settled and older than 7 years, it needs to deleted off my credit report. I need to purchase home and this is hindering it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Transferref XXXX via SEPA to my wallet on XX/XX/XXXX. Opened a ticket for their support which they told me that they transferred it to a specialist but no action since then. 

Case id # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I have been repaying Bank of America since 2012 for property tax reimbursement. They were reimbursed fully by XXXX County, OR. I received a bill from B of A for {$500.00} for " closing the escrow account '', stating that I " asked the to close it ''. 
I did not ask that it be closed, only that they stop billing me for repayment, after the balance had been paid. I can not get through to anyone to try to resolve this issue. I am XXXX years old, have been dealing with constant " what I call harassment '', since 2012. Can you hel me? I have been XXXX since I received this letter, and do n't know how to deal with. Thank you for your help. 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 monetary relief
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: PA
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  and proficio financial services were claimg a debt on a business i was running as my personal debt. 
There was no contractual agreements between me and XXXX XXXX XXXX XXXX, neither proficio finacial services. 
They are misrepresenting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/2021, around XXXXXXXX XXXX. Pacific Time, I tried to login to Citibanks online banking. My username and login has been disabled. I then tried to reset my password using my 16 digit card number and last four ( 4 ) numbers of my social security number. I received a message that said : XXXX XXXXXXXX Locked The information you entered does not match our records. The information I submitted was correct ; there were no typographical errors. I then called customer service by calling the telephone number on the back of my debit card ( XXXX ) XXXX. I spoke with a XXXX female supervisor that disconnected the telephone call on me. She did not call me back. I called back and spoke to a XXXX male supervisor by the name of XXXX. He indicated he was in the Client Relations department in XXXX, XXXX. The call disconnected again. I did not receive a call back. I called ( XXXX ) XXXX and the automated system asked for my social security number. The automated system said my social security number does not match their records. I hung up and tried again and got the same result. There were no typographical errors when I input my social security number. My login is defunct, my debit card is defunct and my social security number is defunct. This does not sit well with me because I just deposited a personal check for {$5500.00} from my XXXX XXXX checking account and now I dont have access to my funds-during a pandemic. 

I then spoke to a female supervisor around XXXX XXXX. PT and she stopped talking during the phone call. The call was disconnected yet again and I did not receive a call back from Citibank. 

I called ( XXXX ) XXXX around XXXXXXXX XXXX. PT and the automated system again did not recognize my social security number or debit card number. The automated system said it will transfer me to an agent, however, the telephone continued to ring and ring ; no one answered the telephone call. The ring was continuous forcing me to hang up and call back. 

It is egregious of Citibank to block my account without informing me in advance. I did not receive any communication from Citibank via telephone call, e-mail or text correspondence. I learned of the block after the fact. I still dont know why Citibank blocked my account. I did not do anything wrong. What if I had an emergency and needed access to my funds? The money belongs to me ; not Citibank. 

I am maintaining a careful record of my communications with you for the purposes of filing a complaint with the Attorney Generals office, Office of the Comptroller and FDIC, should you not resolve this issue.

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