BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GLA placed a collection of {$130.00} which is not owed on 3 of my credit files. XXXX, XXXX, and XXXX.This debt collection should have never been filled against me. Debt was paid directly to XXXX XXXX by insurance and I paid the remaining balance. I did not receive any information about this prior to going into collection by mail or phone call. I discover it by a credit app notification. XXXX XXXX. I should have been able to dispute this debt before they place it in collection. No letter from them. No letter to verify I owed the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: ALLY FINANCIAL INC.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
starting a XXXX they start calling every 1.5 to 2 hours. The calls are automated and will not stop. Even after I call them back and talk to someone about the payment they say the call will stop they continue. I understand I late on my payment and I always get it paid before the next on come s up and I run a company and unfortunately not everyone pays me when they should so it gets hard for me to pay my bills on time sometimes. I have also told the company that they cant call me during working hours XXXX XXXX to XXXX XXXX   weekday but the call continue. Today is the XXXX of XXXX and I have already revived 2 calls this morning before XXXX XXXX. This in my opinion is extreme harassment, if I ran my company like this I would not have any customers.

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 2020-02-10
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent two disputes letters for all the letters below, I told them it was impossible for me to pull these loans due to I was on a full ride scholarship. I did not sign any loan paper I asked for proof of original signature on loans three times I did not receive the signature just a verified letter which makes no sense. This is now affecting my credit score and needs to be removed now. 
Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance Loan Amount {$3600.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Loan Amount : {$1800.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a voicemail on XX/XX/XXXX from a person named XXXX XXXX stating that there was a complaint notice that needs my immediate attention. I am to call XXXX and if there are any further attempts, they will contact my HR department at my employer. 

Upon receiving this message I called the number provided since I know I do not owe anyone past due debts. This was from an overdrawn checking account from XX/XX/XXXX which has been paid since then. XXXX is the representative that answered the phone and handled my phone call. The first time she hung up on me. Upon calling back she told me that there would be litigation and they are going to come after me. I informed her that this has been paid since XX/XX/XXXX and asked for a validation of the debt. She said they wouldn't provide it until court proceedings and I am not entitled to it until then. She then told me it was sent to their legal team after I repeatedly told her it has been paid. The company in question is XXXX and she would not give me the corporate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TXXXX XXXX XXXX. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. CREDIT ACCEPTANCE CO . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX XXXX  XXXX XXXX 4.XXXX  XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX 11.XXXX XXXX 12.XXXX  XXXX XXXX XXXX 13.XXXX XXXX   14.XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXXXXXX 17.CREDIT ACCEPTANCE 18.CXXXX XXXX  19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX  XXXX 22.XXXX XXXX XXXX XXXX 23.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 2020-10-12
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was able to get my credit report in the past from all 3 bureaus as recently as XXXX XXXX from Experian and XXXX  XX/XX/XXXX credit Report conf # XXXX XXXX. But now I can not get it from XXXX or Experian. XXXX  states, The system was unable to get enough information to confirms your identity through a series of questions based on accounts and personal information even though in the past I have gotten my credit report through all 3 bureaus from a series of questions asked in the past but suddenly I have not built up a credit history enough to ask me a series of questions to get my report online. BULL. These organization take my credit data and sells it everywhere but when I want to see it myself they put up all these roadblocks and excuses. 
What is going to happen is unacceptable. You the CFPB is going to send XXXX  and XXXX my complain and in return they may or may not send me my report, but either way this is unacceptable because I want to have to save my report online when I want it and not have to complain to you the CFPB as my intermediary to force the credit bureaus to give me my report. Secondly, all 3 bureaus will send me the report and I will not be able to monitor my credit every 4 months as I only need one report at a time. 
I also would like to sign up with XXXX XXXX XXXX credit monitoring and with this problem persisting I am not able to do it. 
Tell these bureaus to get their act together and stop yanking the consumers chains. Thank you.

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 2019-01-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Priority Account in XX/XX/XXXX, and signed up for the {$600.00} new account promotion bonus, which required me to deposit {$50000.00} into the account within 30 days and keep the balance for 60 days and then wait for another 90 days to receive the bonus. I have kept over {$50000.00} balance in the account since XX/XX/XXXX till now ( XX/XX/XXXX ), but I haven't received any bonus yet. 

Here is the detailed actions I took : - On XX/XX/XXXX, I opened the Citi Priority Account. 
- On XX/XX/XXXX, the {$50000.00} initial fund was deposited in the account. 
- Immediately after the deposit, I called the customer service and confirmed that I have signed up for the {$600.00} bonus. I did so because I used to miss receiving the new account bonus before. 
- During XX/XX/XXXX, I called the customer service and re-confirmed that I will receive the {$600.00} bonus in mid-XX/XX/XXXX. 
- I still didn't receive anything in mid-XX/XX/XXXX, so I called the customer service again. But they indicated that the new account bonus is out of hands of customer service, and I should check with the branch in which I opened the account. So I immediately went to the branch and talked with one of the personal bankers. He told me that I will receive the {$600.00} bonus in end of XX/XX/XXXX when my statement came out. 
- So I went back and wait till end of XX/XX/XXXX, but still nothing. 
- Around XX/XX/XXXX, I went to the branch again and talked to the same personal banker. He said he will submit a dispute, and the internal dispute team will resolve this in 2 weeks. He assured that I will get the money back.

- It's already been 3 weeks now, but I haven't received the bonus yet. 

I'm very tiered and disappointed about the whole things in order to seek for the {$600.00} bonus that I'm qualified. It's taking so long and I don't know when it will end. I lost the interests of the {$50000.00} cash especially as the market interest rates are getting higher and higher.

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 2019-07-04
Company: U.S. BANCORP
State: CA
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:
Please refund the late fee of {$28.00} charged on XX/XX/2019. 
I was on the airplane and paid the minimum amount due as soon as I got home ( XXXX in the morning ).

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 2019-07-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX is a fraud bank where they didn't report positive activity on my credit report until it went to negative then they reported the negative. XXXX XXXX is so irresponsible that put my credit utilization way over 100 % and it's not true. I used only in between the 100 % limit. Experian is standing up for XXXX XXXX by leaving my credit utilization over 100 % on my credit report. The XXXX XXXX account are already closed why leave the credit utilization so high, I am using those cards. Both Experian and XXXX XXXX are intentionally hurting my personal credit. Experian even put a security alert on my credit without my permission and is refusing to take it off. I got denied credit due to this Security Alert and this wrong credit Utilization. Please help.

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 2018-06-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I visited XXXX XXXX XXXX ER. I was sent to collection by the physician group XXXX XXXX XXXX XXXX to XXXX in XXXX fl. 
My healthcare insurance paid this physician group yet they are still billing me. 

I have mailed letters to both the collection co and the physician group and received no accountability or detail of the debt yet they list it as disputed and verified on my credit reports

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 2019-07-04
Company: ACS Education Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened the account and was able to trade, then it just stopped trading. I have ask to close account but can't. I keep being asked to verify the account and I have dome what they ask but still can't trade. Account shows that it is verified but still can do anything. Would like to close the account if it can't be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions 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:
Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX XXXX $ ) This was a fraudulent account. I do not have XXXX,  this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.

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 2019-07-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased from MBFinancial by Fifth Third Bank starting XX/XX/2019. Since the merger, Fifth third Financial help submitted multiple automatic payments from my checking account resulting in over {$500.00} of overdraft fees. I tried to negotiate and fix in XX/XX/XXXX but on XX/XX/XXXX/XX/XX/XXXX it happened again. The website is always down and the issue is unfathomable? 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I paid XXXX dollars for a service but did not receive the service I paid for. I contacted the seller but still did not receive the service I paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company promised to delete tradelines from credit reports with settlements and did not do it. Instead, they reported them as paid for less than full. They explicitly told me they would delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 on this day when i wen to purchase i teams from the store for my son my account got permanently suspended. I received my direct deposit on XX/XX/2019. When contacting bank they told me they couldnt reopen my account. The only reason I can think is when my account got hacked an I disputed it twice and stoped my direct deposit. I have a XXXX year old son an rent that needs to be paid. My bank witch is bluebird ( Amex ) told me they have to send me a check of whats in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX at approximately XXXX I was alerted by text that international transactions were taking place on my US Bank credit card account. I call the credit card company immediately and they said they could do nothing about it but close the card, until after the funds actually left my account. At XXXX that same day the bank released the funds to the unauthorized transactions. I have since filed several disputes to which the Bank has agreed the transactions were unauthorized and claimed to returned the funds back to me, but I have never received the money back in my account nor has it been refunded to me in any other way. I have waited on the phone for several hours trying to reach someone in person most of the time in vein. I spoke to XXXX on XX/XX/XXXX who assured me my dispute was being handled. Around XX/XX/XXXX I received a complaint form from the USBank to fill out, which I did and faxed back the same day. On XX/XX/XXXX received a letter dated XX/XX/XXXX saying the issue was resolved and the money would be refunded into my account. I spoke to XXXX on XXXX and she stated she saw where I was supposed to be refunded but she also saw no funds were ever returned to my account and put in a research to find out what happened to my money. I have had not response. I have faxed the dispute department of US Bank on several occasions to no avail no response.

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 2020-10-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 was never late on the account and they need to reference the Care Act 2020 for this account as well. Please provide the method if verification and all the parties involved with names, phones, e-mail ; dates, bank transactions etc ... 

Please proof I was late on this as account it reporting different on all three credit agencies. 

FIFTH THIRD BANK NA # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I started an online application with AmeriSave Mortage Corporation for mortgage refinancing with Mr. XXXX XXXX, Loan Originator NMLS ID # XXXX, AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX. Mr. XXXX informed me AmeriSave had the lowest rates in the market then shortly sent me a Loan Estimate. He also said I should start my AmeriSave account first which I began signing documents which he rushed me to do before I could even look at them. He also said in order to lock in the rate he would need a credit card payment. I provided the number for the payment. I told him that I wanted to read all my documents first before doing anything final. I received what he stated was a generic application and not to worry just continue signing the docs on the yellow tabs. After completing the signing, I sent a few documents but never got to the appraiser process before canceling my application the next day by email due to a circumstance. I did not know there was a nonrefundable application fee because he never gave me a chance to read any documents beforehand only rushed me to sign them. In addition, Mr. XXXX also sent me some new disclosure forms to sign I took a look at them and found a numerical error in the figures. This was confirmation to cancel my application further. Please see the email conversation requesting a cancelation and why. I also explained to him he did not have the right to a full payment there was no other cost incurred. He was getting too personal with the situation. Thank you

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 2020-04-28
Company: Waypoint Resource Group, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a covid19 related personal loan from my credit union and was told I had a collection on my credit report. Waypoint Resources company, a company which collects debt for XXXX place an invalid debt collection for {$1200.00} which is not mine. I called XXXX and they have no info at all of any debt owed. This is unethical and fraudulent practice by Waypoint Resources to collect debt. I noticed this XX/XX/XXXX and Waypoint Resource posted this debt XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation