BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: Premier Student Loan Center
State: WA
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:
On XX/XX/XXXX I began my student loan repayment with a company called Premier Student Loan Center. They informed me that they would charge me a fee over 4 months to complete my paper work for a student loan forgiveness program and that after the first 4 payments ( fee for filing ) that any additional payments, which were set at {$40.00} a month, would be going towards my student loan repayment. I made 4 payments of {$230.00} from XX/XX/XXXX to XX/XX/XXXX, after which I began paying the {$40.00} per month up through XX/XX/XXXX. They recently sent me an email requesting me to send in my work verification information. I sent them copies of my paystubs XX/XX/XXXX, then shortly after received another email that additional info was required and to call the phone number given. I tried calling the number and a message came on that the number did not exist. I then called my student loan provider, XXXX, and they informed me that I am on a loan forgiveness program and my payments are {$0.00} a month, and that the paper filing service I paid for they offer for free. Since XX/XX/XXXX I have paid a total of {$1100.00} for what was a free service and no money has been paid towards my student loans. The XXXX representative also informed me that they have had many complaints about this same company for scamming people out of money and that a complaint should be filed to get my money back. I have attached all the emails I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Servis One, Inc., Titusville, PA Branch
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is targeted towards the lender who holds my loan, XXXX XXXX XXXX - the main problem is this lender is aggressively trying to foreclose this loan, despite me showing my ability to abide by a recently-terminated repayment plan - timeline below : Late XXXX : Borrower falls behind in Mortgage, due to unexpected dip in buisness revenue, combined with having to pay recently-hired staff out of personal funds ( held off Mortgage a few months in order to make payroll ) ; Early XXXX : Business revenue begins returning to prior levels, and laid off staff ( only use part-time 1099s now ), kept ( & continues to keep ) expenses low XXXX XX/XX/XXXX : Borrower tries to get loan modification on his own from lender XX/XX/XXXX : Lender rejects loan modifocation XX/XX/XXXX : Borrower contacts law firm for representation to get loan reinstated by lender XX/XX/XXXX : Lender rejects modification submited by law firm XX/XX/XXXX : Borrower meets w/law firm to begin bankruptcy preparation XX/XX/XXXX : Bankruptcy filed XX/XX/XXXX : Borrower completes credit counseling XX/XX/XXXX : Borrower begins bankruptcy payments to trustee ( has kept these current, even though amount has been adjusted upward 3 times ) ; XX/XX/XXXX : Borrower begins making mortgage payments to lender again ( did not realize when he should start, since statements are no longer sent ) XX/XX/XXXX : Lender informs Law Firm of payment defieciencies ; new agreement crafted with provisions to make up XXXX - XXXX misssed payments XX/XX/XXXX law firm informs borrower of new monthly requirements, borrower misses this update XX/XX/XXXX : Lender informs Law Firm of borrower 's failure to make up payment deficencies ; ( Borrower still making orginal payments every Month ) XX/XX/XXXX : Law Firm again alerts Borrower that Lender claims Borrower is failing to keep up with payments ; Borrower submits proof of payment ( XXXX - XXXX XXXX, still not realizing that additional monthy amout has been contractually agreed upon ; XX/XX/XXXX lender cancels agreement, moves forward with foreclosure process XX/XX/XXXX - Borrower finally realizes additional montly committment, asks law firm to contact lender to be allowed to bring agreement into complliance XX/XX/XXXX : Counsel for lender returns message that request to reinstate was denied Based on the latest calculations as of XX/XX/XXXX, a total of XXXX XXXX rough estimate, based on extra {$680.00} not being paid from XX/XX/XXXX - XX/XX/XXXX XXXX would bring the loan back current with the terms that were signed as of the XX/XX/XXXX agreement. The borrower is willing to reconcile this with one payment ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I notified both Experian and XXXX that there is an incorrect late payment for XX/XX/2018 for my mortgage with XXXX with both credit reporting agencies. Both credit reporting agencies told me the information could not be changed because XXXX would not correct the information. I notified XXXX and was sent a letter from them verifying that I was NOT late for XX/XX/2018. I would like both my XXXX and my Experian reports be updated to display the correct information on my credit reports immediately. In addition, since my scores on both reports dropped considerably because of this late notation, I would like to be rescored to reflect the updated 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 2018-05-18
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that XXXX XXXX XXXX XXXX asked them to collect from me the amount of {$160.00} because according XXXX XXXX XXXX XXXX records after I returned my XX/XX/XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call XXXX XXXX XXXX XXXX and clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with XXXX XXXX, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XX/XX/XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said XXXX XXXX XXXX XXXX is charging me because I didn't return the 2nd Key from my XX/XX/XXXX Leased and I called again to XXXX XXXX XXXX and advised them that I still have the XX/XX/XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

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 2021-09-16
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have not validated any of the debts Equifax has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by Equifax to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.

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 2021-09-02
Company: Merchants Credit Corporation
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 belongs to someone else

Complaint:
These accounts are not mine and are affecting my credit report. Please remove them from all 3 credit reporting agencies.

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 2018-05-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient, used to be Sallie Mae, misallocated my payments. I sent them many future payments and they held them. Not applying them to principal. They took advance payments from me and told me it would lower my principal. But instead the only thing it did was extend my payments and the future interest I would potentially pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
IacceptedapromotionalofferonmyChaseSapphirecreditcard.Theofferwasfor15%creditbackifIusedmySapphirecreditcardonXXXXbyXX/XX/19.IbookedmyreservationonmySapphirecardandthetransactionfor{$840.00}postedonXX/XX/19.Icalledtofindoutwhenthecreditwouldpostandwastolditwouldtakeseveralbusinessdaysforthecredittopost.Icalledbackagainandadifferentrepresentativetoldmeitwouldtakeupto14businessdaystopost.Icalledafterthe14businessdayandtherepresentativeconfirmedImetthecriteriafortheofferandopenedanescalationticket.SheadvisedIcallbackin2-3businessdaystogetthefinalresolution.Icalledbackwithinthattimeframeandwastoldescalationtakeupto7businessdays.IcalledbackattheendoftheXX/XX/XXXXbusinessday(XX/XX/0219)andwastoldbytherepresentativetheescalationcouldtakeupto4weeks.Irequestedtospeakwithasupervisor.Thesupervisorstatedtheescalationshouldhavebeencompletedwithin7businessdays.Hecouldnotprovidemewitharesolutionand/ortimeframeforresolution.HecouldnottransfermetotheExecutiveofficeforfurtherreview.IcalledonXX/XX/19tospeakwiththeExecutiveOfficebutwastransferredmultipletimesandwasunsuccessfulinreachingtheExecutiveOffice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  completely botched XXXX  procedure. Result was XXXX, and loss of XXXX. Dentist dropped XXXX down my throat during extraction. I had to XXXX it. It is gone forever. I have offered to pay for all the dental services prior to the botched procedure. Creditor has refused to negotiate in good faith and are now threatening the credit of my co-signor. Last correspondence to them received no response. I have offered to pay for the work properly done. Roughly {$4500.00}. Creditor insists on trying to collect money for services improperly done, which brings the total to roughly {$10000.00}.

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 2019-05-03
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe any bill. I have medicaid and medicare which is XXXX XXXX XXXX.. I have Provide it the company with my issues information in they refuse to take. I also I also had financial assistance to the hospital. I do not owe any bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The company refuses to remove late and the account is 7 years old. I would REQUEST REMOVAL OF THIS ACCOUNT FROM MY REPORT. 

Overview You've paid off 100 % of your student loan amount. 

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 9 mos ) Term 120 months Payment History Youve made 33 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2013

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 2017-11-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager.  She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.

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 2022-01-08
Company: Experian Information Solutions Inc.
State: GA
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, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2017-11-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Equifax to dispute inquires that I know for a fact were not authorized by myself. These inquiries should not have been allowed to be placed on my file since I did not authorize them. They were not court ordered, for employment, insurance nor for an offer of credit for myself. My dispute came back verified and I know this to be u true as I never attempted to gain credit with ANYONE other then a credit card! This is unsatisfactory and AGAINST THE LAW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Professional Debt Mediation, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have read your response and as I stated in my complaint to Professional Debt Mediation in XXXX, Florida. Their phone number is XXXX. I was told one thing and now being told something completely different. I was told when I paid that {$400.00} I would not owe anything else. This debt is almost 4 years old. I am asking that Professional Debt Mediation remove this debt permanently from all credit reports. I am asking that you cancel the remaining amount of this debt, removing it from the credit reporting agencies, XXXX, XXXX, XXXX. This is the only thing listed as a collection on my reports and it's preventing me from getting me a place to live. I am homeless and no one will lease to me with this on my credit. I paid what I thought would be enough and at the time it was all I had but I paid it in good faith thinking this would be removed from my credit report. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number. 

When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Cedars Business Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is a complaint filed against Cedars Business Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX After five years since my visit to XXXX, I've received notice of an unpaid ticket from the city of XXXX, XXXX. There are no dates, specific location or any information of the alleged offence. After doing some digging in the internet, I learned that this company tries to scam money out of people who travel overseas. It is therefore that I am filing this complaint against Cedars Business Services.

Company response to consumer: Closed with explanation