BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE BANKRUPTCY COURT IS REPORTING ON MY CREDIT ACCOUNT AND I HAVE PROOF THAT THE BANKRUPTCY COURT DO NOT REPORT TO ANY CREDIT BUREAUS, AND THEY ARE SHOWING 10 BANKRUPTCY

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 2017-11-08
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt of {$270.00} reported by XXXX XXXX XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

Debt of {$270.00} reported by XXXX XXXX, XXXX on XXXX XXXX, XXXX - did not receive any notification of debt. 

When collection agencies sell, transfer or no longer manage accounts they must update or delete the account. Two collections reports of {$270.00} which totals to {$550.00} is inaccurate and must be removed from my credit report.

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 2020-08-25
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an application to refinance my condo in XX/XX/2020 with US Bank. I have not closed on this loan yet. They ordered the wrong appraisal and had to do another appraisal which took many weeks. I still have not received a copy of the appraisal. I have not received a conditional approval. I had to order a condo questionnaire and they gave no guidance as to the type questionnaire to order. No form was sent to me. I ordered the approved US bank condo questionnaire and it cost {$300.00} and now they are asking for a different form. Again with no guidance. I am at a loss as to my next step. I have asked for the supervisor to call me on several occasions and no calls.

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 2017-11-08
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacting me about other people I know accounts. Threatening to call the police and pull up at my residence. Employee used her job title to have XXXX XXXX with someone I know who has an account as well

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 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX is pay in full an outdated # 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 2020-11-23
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a medical dept on my credit report that wasnt mine and have tried several different credit services like XXXX  and XXXX  to get it removed and i have had no luck at all and its the only negative item on my vredit report and its from 2016 and they still wont agree to llet it go its only {$700.00} but its not mine so im not going to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Fifth Third Bank seems to sent out different credit card sign up offers based on non-legal discrimination. My spouse and I have similar FICO score ( within 5 points ) above XXXX, live in same household, make similar income, similar amount of open revolving line of credit. We got same mailing for same TRIO credit card mailing with 2 very different sign up bonus : one at {$150.00}, and the other at {$350.00}. The card benefits and terms are exactly the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I can not find contact information on Navient 's website. One page leads to another, leads to another and no fax or email information. 

I can XXXX a phone number but why can't things be done online nowadays!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Media Collections, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voicemail from a woman calling from XXXX. My phone registered this call as " Potential Scam. '' The voicemail implied that I had an outstanding debt with " XXXX XXXX XXXX, '' which had gone to collections. I was told I owe over {$1200.00} and that I had to call back the caller ( whose name was garbled and I could not make out ) at a different number than the one she was calling from. The number the caller provided to call back was : XXXX. She also provided an " account number '' that I was to provide upon calling back : XXXX. This woman also said she worked atJoseph, Mann & Creed, a debt collection firm. The woman used my first name, but not my last name. 

I have no idea what this debt could possibly be connected to and I believe it to be completely bogus. I have never had an insurance policy with " XXXX XXXX XXXX. '' I am careful to pay off all of my debts in a timely manner, and my credit report, which I downloaded today ( XX/XX/2020 ), indicates that any debts I have are associated with credit cards that will be paid off in the next billing period ( as I pay down my balance each billing period ). It is also worth noting that I have received no mail about this alleged debt and this cryptic voicemail is the first I've heard of any outstanding balance -- or even of the company I allegedly owe said balance to. 

Moreover, a search for Joseph , Mann & Creed reveals that numerous other people have been contacted by this company with the same claims. Individuals who complained of the same issue also indicated that they had never heard of 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 2018-11-09
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Purchased an item on XXXX through PayPal, in early XX/XX/XXXX. I was issued a partial refund of {$11.00} from the seller. PayPal refuses to credit the {$11.00} back to my account. I've spoke with customer service on 5 different occasions, emailed and chatted on line with customer service but to no avail. PayPal associates said ( XXXX ) it was return to my account, but I nor my bank has any transactions to support that claim. I spoke with the XXXX help line twice for any help at all, but the two companies are separate. I tried to close the PayPal account but they show I have {$11.00} on the books and can not close because of that, then true as that is, how could they have returned the {$11.00} to my bank and on what date? There is not a PayPal location in my state of Va, the headquarters is in Ca., please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-09
Company: NPAS, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.

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 2018-11-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: ATG Credit, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I phoned ATG Credit LLC, and advised them that I had just returned to work due to Covid-19, and to not pull my XXXX payment. But to restart my payments on XX/XX/XXXXsince I had returned to work. A supervisor told the representative that it would be okay to stop the ACH pull for XXXX. They waited 8 days and pulled the funds anyway. Causing a medical hardship because the money they took was for my medical premium which must be paid because I have a XXXX XXXX XXXX 

I requested they not pull any more funds from my checking account and they have yet to refund the monies pulled in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My wife had a small XXXX XXXX on her XXXX and did not pay the full amount to Dr because we were not able because of my spouse had to go on leave of absence because of a XXXX XXXX needing XXXX in XX/XX/XXXX this year.My spouse is a veteran and tried to get help from the va because of a XXXX XXXX due to damages inflicted by military service.However this request is still in appeal the collection agency Western Mercantile Agency , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ph XXXX sent me a letter stating i owe {$690.00} plus {$100.00} dollars in intrerest for a total of {$790.00} dollars Stating that i have 20 days from XXXX-18 to pay in full or they will take legal action if so i would pay attorney fees and court cost.They also stated that interest would compound as long as debt was not paid.At the time of this letter i only work part time at XXXX XXXX and my spouse is on medical leave and only draws social security.I tried calling this agency this morning XXXX-18 and got no answer.can you help me? 
Thanks Mrs XXXX XXXX/XXXX XXXX spouse

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: EQUIFAX, INC.
State: TX
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:
They have not removed chapter XXXX/XXXX Bankruptcy from my credit report Equifax/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
S.P.S. disregards mortgage contract and continues to try to collect funds which are not du. They also are trying to skirt bankruptcy laws by falsely saying mortgage payment was missed. I have a record of bank checks showing every month is paid it is current. They attempt to change the mortgage agreement which states the payment is not late until after the XXXX. Every month is paid yet i recieve statements with the comment it is XXXX. XXXX unpaid. I paiy XXXX every single month. The extra XXXX to go to principal. It is not unpaid. There is no missed payments. This company continues to falsify records to collect extra interest. They purchased the mortgage from XXXX  XXXX XXXX and try to change the terms, disregard bankruptcy laws, and falsify records. These images are from same statement multiple dates, one point says behind other says it's not.

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 2018-02-23
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
l went to check in to Cash to get a payday loan. I borrowed XXXX dollars and they gave me XXXX. That is the amount I am supposed to receive I get paid once a month I pay the loan back and that day I borrow the XXXX back. I have been borrowing from this company for at lease 2 years I have never been late and each month i go in to pay this loan. Last XX/XX/XXXX I went to take out a loan with Check in to Cash and they ran my credit they didnt give me the option to choose if I wanted them to do this. I wasnt even asked. They didnt have anything posted. I called and complained and they told me they should have asked me or had it posted. The company also told me it would be removed. They never remove the inquiry. Since that date they have made 2 more inquiries on my credit. XX/XX/XXXX and XX/XX/XXXX. I have called this company corporate office more than 3 Times and nothing has been done about it. They just are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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 is missing that should be on the report

Complaint:
I am submitting this to all consumer and credit bureaus to add a personal statement ( with the exception of XXXX ) as was able to add to my statement through their portal.

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 2020-05-24
Company: Experian Information Solutions Inc.
State: NV
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 created a free account with XXXX XXXX and I see some accounts showing on my report that I never opened

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 2020-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MY NAME IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX I OPEN A CHECKING ACCOUNT WITH CITIZEN BANK THE BRANCH THAT I WENT TO IS XXXX XXXX XXXX XXXX XXXX NY XXXX. I JUST OPENED MY ACCOUNTS WITH CITIZEN BANK AND I MADE CHECK DEPOSITS THEY WAS FOR BIG AMOUNTS OF MONEY MY CHECKS CLEARED A CITIZEN BANK MANAGER HAS MY BANK ACCOUNT ON HOLD AND UP FOR REVIEW I NEED TO WITHDRAW MY FUNDS TO PAY MY RENT AND BILLS THIS BANK MANAGER AT THIS BANK HAD MY ACCOUNT ON HOLD FOR ONE WEEK I WAS ABLE TO WITHDRAW FUNDS LAST WEEK THEY PUT MY ACCOUNT ON A REVIEW FOR NO REASON THERE IS NOTHING FOR THEM TO REVIEW THEY NEED TO GIVE ME MY MONEY THAT I DEPOSIT THE CHECKS WAS ALREADY VEREIFED AND THERE IS NO FRAUD THE CHECKS WAS LEGIT THAT I DEPOSIT IN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: RFNA, LP
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended and closed.

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