BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX began billing internet service before a line was run into my home. They agreed that services not provided should not have been billed. They ran a line and I began and continue to pay monthly for services. The amount previously billed was mistakenly sent to collections. CBE GROUP INC has been trying to collect the invalid debt and has now for a second time reported it as delinquent to the credit agencies. I had already disputed once successfully to the credit bureaus and explained the situation the both XXXX and CBE. Last month CBE resubmitted the account as delinquent and in collections. I'm now in the process of having to dispute this a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Johnson Mark LLC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXXmo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXXXXXX 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 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 2023-07-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a cobrand American Express credit card for XXXX years ; it is my oldest/longest-running credit card and essential to the health of my credit score. When I opened this card, it was the Starwood Preferred Guest ( SPG ) cobrand credit card with an annual fee ( there was also a no-fee version, but I elected for the fee version ). When SPG merged with XXXX, I was issued a revised XXXX XXXX cobrand Amex, also with an annual fee. In the process of rebranding to XXXX XXXX, it appears they eliminated the no-fee cobrand card option. I no longer want to pay an annual fee, but Amex will not let me transfer my account to any other Amex product and maintain my same account / my same credit history ; the only option they are offering me is to fully close my XXXX XXXX Amex account and reapply for / open a new Amex account in order to get a no fee Amex card. Doing so would eliminate my XXXX years of credit history ( which I want to keep growing ) and adversely affect my credit rating ; it feels as if Amex is holding me hostage if I want to maintain long credit history and a good credit rating. I still want to be an Amex cardholder, I just want to transfer my account number to a new, no fee card outside the XXXX XXXX cobrand portfolio without needing to fully close my account and apply for a brand new card from scratch ( since Amex eliminated the no fee SPG cobrand card that used to exist, and that I had the ability to switch to when I first opened the card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? 
So, my question is what can be done about this, I did call Yesterday XXXX, XXXX which was changed from SANTANDER at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for XXXX years, what kind of craziness is this? 
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name SANTANDER is what is being shown on our Credit Report, even through they have sold out to another company .... 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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 requested my Chexsystems report, as I was recently denied a new checking account - funny especially since I just turned XXXX! Anyway, JERKS called XXXX XXXX  XXXX and Chexsystems have wrong information all over my " report ''. Not only that, when I disputed items such as inquires dated WAY BEFORE my XXXX birthday, they claimed to have investigated however left all the bogus information on my reports. They think they are " all that '' and they are WRONG and deserve to be shut down..! Also you can not re-investigate a dispute because they will not allow it, claiming that they did their job and all items were verified. NOT TRUE and I have never heard of anyone getting away with half-baked reporting. I want everything reinvestigated and I want to see all correspondence that " proves '' that a XXXX XXXX XXXX, opened or tried to open checking account when they were XXXX XXXX XXXX ...! And I am NOT going to take time out of my life to file reports with Law Enforcement, that is not MY job - that is their job.

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 2018-03-09
Company: Utah System of Higher Education
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX XXXX  XXXX ( XXXX ) from my XXXX Education Award account from XXXX to pay off the account # : XXXX in full, {$3500.00}, based on the payoff generated on that date. I just came into repayment and the actual payment was not due until XX/XX/XXXX. So, I was trying to pay it off a month before it even came due. According to the education award account system, XXXX is set up to receive payments from them electronically via EFT. The payment was NEVER picked up by them, it sat there " pending institution action '' for two weeks. I emailed them on XX/XX/XXXX, never received a response. I contacted their customer service and spoke to a rep named XXXX on XX/XX/XXXX, she had no idea what was going on, could not provide me with any information regarding the payment, and why they could not access it. Told me I would be called the next day ( XX/XX/XXXX ), as she had to refer this to an area in accounting that handled payments. I never got called and had to call them back. When I called back, I got the same run around, no one knew anything at all. I am now receiving calls via an autodialer regarding payments, even though the payment itself is NOT due until XX/XX/XXXX, almost two weeks from today. I have spoken to three different people and NONE of them have been able to provide ANY rational logical explanation as to WHY the payment was not accessed by XXXX and applied to my account. All I am trying to do is pay off my student loan and they seem incapable of allowing that to happen. I requested to speak to someone in accounting ( since they state that is who would have the answers ) and that request was refused. I asked to speak to a supervisor, same thing. All I want to do is pay off this account with the funds from my XXXX award, why is this alleged FEDERAL student loan servicer incapable of facilitating that process when they are supposed to be participating in it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: AmeriHome Mortgage Company, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Evening On XX/XX/2020 during the height of this pandemic, we are both on the front lines in XXXX XXXX, my wife accidentally electronically paid our mortgage payment to Amerihome company ( Old company ) in the amount of {$1800.00}. This Loan no longer exists with Amerihome and was sold to a new company over a year ago. This was paid through the Bill pay  Service from XXXX XXXX XXXX. 

I Have contacted your company ( AMERIHOME ) Several times and was initially told that I would be receiving a physical check in the amount of {$1800.00}. I was told that I would be receiving this check within 7 to 14 days. That time has since gone and I have not received anything. I then contacted customer service again and was told they had no record of that and I was asked to submit proof of payment for my bank. This was after I was already told that I would be receiving a check that they already found the payment. I Was told again that they had no record of that check and that they wanted me to send proof of payment. Which I sent Amerihome the proof payment was made.

After hours on the phone Amerihome stated they sent a check to XXXX ( a company they claim that the check originated from ). I have spoken to XXXX XXXX customer service several time and they have stated that they have no business dealing with XXXX. I have contacted XXXX which states they do not deal woth XXXX  XXXX. XXXX XXXX stated I should call Amerihome and have them refund the {$1800.00} by a different means. 

I went back to Amerihome and they stated they could only refund to where the origional payment came from ( XXXX ) and they will refund the account. XXXX  XXXX states this is not the case and that they cant reverse the payment back into my account and still denies dealing with XXXX. 

This has been an ongoing circle for the past 2 months. I have been hung up on by bith companied XXXX XXXX and Amerihome. XXXX XXXX when I asked for a manager the CS representative stated to me " there is no manager higher than me '' When I asked for a name and a title she said it was XXXX and her tinal was " basically a supervisor '' I have involved the CT Dept. iof Banking and copied them on every email sent and received but have heard nothing. I do not know what else to do. No one at either company can or is willing to help. All I want is a refund of the money that is due to me for the payment made in error to an account that no longer exists. 

I have all the emails and correspondence as well as proof of payment from XXXX XXXX. I would like Amerihome to send me a physical check for the payment amount of {$1800.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve issue with bank providers due to fraud, on several accounts. Please look into the this matter, as it has been 10 years XXXX as well as XXXX XXXX XXXX. I have not had the proper investigation due to me asking for statements and putting money into the account. The account was closed with out my knowledge of any fraudulent transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off a mortgage with Suntrust in 2019, but Suntrust did not release the lien correctly. They issued a reconveyance against the wrong deed of trust. This results in a lien on my property still held by Suntrust, even though the mortgage has been paid off. 

I tried calling customer service. They promised three times that they would call me back to provide information on how to get this resolved. I have not gotten a call back.

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 2020-06-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made N agreement with us bank card like all other creditors that I was unemployed and I need help and they agreed to allow me to skip the payments of my card till XXXX starting in XXXX and resume on XX/XX/XXXX and they removed all late, so what they did is they diminished my credit limit to a minimum to force the card to be maxed out of limit and when I called them they said that now, that they agreed to remove all late fees but that they never agreed to allow me to skip those 2 months, there for I lose and my credit rating will drop cause it shows one card account that is maxed out when I was under 50 % on my credit line

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 2023-09-07
Company: Prosper Marketplace, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This said debt was open XXXX XX/XX/XXXX belonging to my ex-wife which whom I had been divorced since XXXX. I sent out a dispute letter but im still being reported to the credit bureaus

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These Accounts have violated my rights According to FCRA ; XXXX. XXXX XXXX XXXX : account # XXXX XXXX. XXXX XXXX XXXX : account # XXXX. 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( May 16, 2016 ).

Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account states. 
Everything reported here does not meet the FRCA.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield & Associates has put a collections on me on a debt that I do not own nor have knowledge of. 

This debt is reporting with all credit reporting agencies. I am asking for this collection reporting be removed from all reporting agencies. 

Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Incomm Holdings Inc.
State: WV
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 purchased vanilla gift card with a balance of {$500.00} in XX/XX/XXXX. When I tried to use the card a few weeks later, it was declined. When I tried to check my balance online, it showed that around {$400.00} was spent on fraudulent charges. I immediately contacted customer service and put in a claim for fraudulent activity. I was eventually sent a new gift card but only for {$100.00}. I've tried contacting the gift card issuer customer support many times, and today XX/XX/XXXX, I was told that because their fraud team was unable to recover the {$400.00}, they wouldn't be issuing me a full refund for the fraudulent activity.

Company response to consumer: Closed with explanation