BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I disconnected service with XXXX  ( my phone number XXXX ). On XX/XX/2023 XXXX charged on my credit card for {$150.00}. They subsequently owed me {$110.00} in prorated amount due to my disconnection of the service. I received multiple statements in the mail from XXXX  stating I was owed a credit of {$110.00}. I made XXXX phone calls between XX/XX/XXXX, XXXX XXXX, XXXX inquiring about when I would be receiving the refund. I was told numerous times that the money would be refunded to my original payment method which was my credit card. Despite my XXXX attempts to receive my refund, they never refunded my money. I then filed a dispute with XXXX ( my credit card company ) for a partial refund of {$110.00} of the {$150.00} I paid to attempt to get my money back. XXXX  then immediately sent me to collections, I received a bill from Transworld Systems Inc saying I owe {$45.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, CFPB provided me with response from PayPal Credit to my complaint about unwanted credit line. In the response, PayPal Credit indicates the line of credit remains open. Since I've earlier closed my PayPal account, I have no access to this credit line and have no way to close it via the website. When called on the phone, PayPal Credit requires the credit line account number that, again, I can not get from my closed PayPal account.

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 2024-01-10
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned my modem to XXXX on XX/XX/XXXX and they could not cancel the service in the store so I cancelled it on the phone the next day XX/XX/XXXX. I informed them that I had already returned the modem to the store the day before. On XX/XX/XXXX I received a bill from XXXX for {$400.00} stating I didnt return the modem. I immediately called XXXX. The rep said I needed to go to the store where I returned the modem. The girl there said theyve had this happen before so she called XXXX on the phone and I was there at least an hour and a half with nothing resolved. They were claiming they couldnt locate the modem even though I have the receipt that it was returned and the account was cancelled. On XX/XX/XXXX I got another bill. Then XX/XX/XXXX I got another bill. Then on XX/XX/XXXX they sent a letter that I was now in collections. I also received another bill from XXXX on XX/XX/2024. I called the collection company on XX/XX/XXXX when I received the letter in the mail. The agent XXXX XXXX transferred me to XXXX. The rep said he couldnt help because the account has been closed and my password no longer worked so I was again told to go to a XXXX store. I went to another XXXX store and the rep called XXXX on the phone and I was there at least an hour and 1|2. They still wouldnt remove the balance again. Stating they didnt get the modem when I again showed them I had the letter stating I returned it. Now its affecting my credit and taking time out of my day trying to prove I returned this modem. Im not paying {$400.00} for something I no longer have. I dont know what else to do.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
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.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that it will be removed from my credit report 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 2024-01-10
Company: Shellpoint Partners, LLC
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They will not correct my credit report even though payments on time. I was in forbearance and then negotiated lower payment, but still sent negative report to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: MoneyLion Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was laid off from my employer on XX/XX/2023. I contacted MoneyLion regarding my loan payment to request a deferment for the upcoming payment. This is also my 4th loan with this company, so this is not the first time I have deferred a payment. I was never informed of any change in their policy ; hence, I expected my account to be automatically drafted after this deferred payment. This was the case with all 3 loans, as I have faced layoffs during the turbulent mortgage industry staffing cuts. 

In XXXX, I received notification of my credit score dropping. From XX/XX/2023 to XX/XX/2023, I have received notifications of my credit score dropping a total of XXXX point due to this one account. I contacted MoneyLion and told a complete lie. In the attached email, the representative states that I had the ACH access cut off, which was never the case. In addition, she states that I was told I would need to restart the payments. THIS IS A BLATANT LIE. I have never had to contact the company to restart the payments. I also advised them to restart the payments when we spoke in XXXX. The company has made no attempt to draft my account. The account continues to spiral downward and have a tremendously negative impact on my credit. 

In addition to this, I have contacted the Department of Bank ing and Finance and it is my understanding that they are working diligently to bar this company and companies like it from doing business in Georgia, as they are considered " payday loans. '' Duwe to my limited credit, I have used this company because it reports to the credit bureaus, and I saw an increase in my score. However, they are ruining my credit and will not stop digging me or collecting the payments. It is total insanity. 

Lastly, I have had to make a consumer dispute regarding their report on my credit previously and it took months. I am attempting to find an apartment and I need them to correct this asap.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a permanently XXXX veteran who applied for a XX/XX/XXXX XXXX and was approved. My Navient accounts at that time were sold to another lender. Those lenders discharged those loans however Navient refuses to remove those loans from the credit report and its labeled as negative. 

I have disputed and contacted Navient and provided the documentation regarding my discharge with no assistance and no documentation as to why they can not reflect the discharge. 

NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX NAVIENT # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Date Updated : XX/XX/XXXX Date Closed : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a letter from an Attorney Office ( Lotane & Associates, PA. ) suing me on behalf of a Debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have paid this loan for approximately 10 years ( XXXX to current ). 

The original loan amount {$60000.00} Current balance {$49000.00} Pay down over 10 years {$11000.00} Annual principal reduction per year {$1100.00} Projected Loan Pay Off XX/XX/XXXX( I 'll be XXXX years old ) I believe that the loan is a Predatory mortgages and is unfair and abusive. The terms of this loan maximizes the lender 's profits while making it very difficult for me to repay the loan. I have little financial knowledge and minimal financial resources. 

I am uncertain if Wells Fargo has violated the federal Fair Housing Act by engaging in lending practices that favor the lender not the homeowner. This is a very bad loan for my circumstance which can result in foreclosure from a single unexpected change in my lively hood or health. 

To worsen matters, Wells Fargo has placed PMI insurance on my second mortgage even though I have an impound account with my first mortgage company. My first mortgage is and has been current. I have asked Wells Fargo to provide me documentation substantiating the additional fees yet they has not provided me any 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 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues

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 2023-10-05
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-18
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. 
Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. 
Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. 
Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.

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 2021-02-13
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : Hello Dear CFPB Staff, I would like to follow up with you in regards to the SLS Mortgage Company adding a foreclosure fee to my monthly mortgage statement calling it a Corporate Advance Fee of {$110.00} applied to my mortgage statement on XXXX 2020, while my mortgage loan account was in forbearance due to COVID-19 and there was NOT suppose to be any type of fees during this time to be charged to my account as it was a temporary relief for a limited period of time. I was clearly told by SLS mortgage company staff while your account is in forbearance there will NOT be any kind of fees applied to your account. Please help me resolve this matter of removing the fee of {$110.00} from my SLS mortgage loan account asap. 

I attached/uploaded the recent mortgage statement as reference for your review. Please feel free to reach me, if you have any further questions at the contact number below. 

Sincerely, 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 explanation
Consumer complaint received 2023-10-05
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: Credit inquiries on your report that you don't recognize

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.

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 2020-10-31
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX Equifax said they verified the accuracy of 2 medical bills placed by : XXXX XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX bill amount for {$170.00} from XX/XX/XXXX and is now showing collection of {$320.00} due. I have the statement. 

XXXX  XXXX for XXXX XXXX XXXX XXXX bill amount {$180.00} from XX/XX/XXXX and is now showing collection of {$270.00} due. I have the statement. 

I have offered XXXX XXXX  XXXX ID No. XXXX issue XX/XX/XXXX to supplement my XXXX insurance payments. 

Also my student loans are reporting inaccurately and have refused to be reinvestigated. XXXX XXXX and XXXX are paid as agreed, never late XXXX  and XXXX XXXX Student Loan Forgiveness from the Department of Education Discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As part of debt consolidation, XXXX XXXX XXXX XXXXXXXX, XXXX ) sent a number of checks to pay off my credit cards, including my CITI Custom Cash credit card for {$2900.00}. All checks to each creditor were mailed out o/a XXXX XX/XX/XXXX, with all but CITI receiving and crediting my accounts by XXXX XX/XX/XXXX. By the end of XX/XX/XXXX, CITI had still not received/processed the check ( # XXXX ) within 30 days, so I contacted XXXX who placed a stop payment on the first check, and sent me a second check ( # XXXX, see attached upload ). On XXXX XX/XX/XXXX I mailed the second check to CITI 's " Express Payment '' address in XXXX, KY, with a receipt signature requested. The check was received XXXX XX/XX/XXXX in XXXX and signed for by XXXX XXXX. 

Several times over the last three days Ive spoken to numerous individuals in a foreign country who had absolutely no concept of the CITI " Express Payment '' processes or procedures. As of this writing, I've had to make two payments since the first check was mailed XXXX XX/XX/XXXX. CITI should refund both payments, with the interest they've gouged me for over the last 45 days.

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