BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified consultants, Inc has attempted to collect from me debt that I do not owe XXXX. Succinctly, I had XXXX services for about two years beginning XXXX of XXXX until XXXX of the following year XXXX. I requested to temporarily suspend my service due to my many travels and not being able to enjoy the services that I paid for. XXXX respectfully agrees to this request. However, on my return from my trip abroad, i received three months bills from XXXX that I owed them. I informed XXXX that this is in no way possible for me owed them since my service have been suspended at least, temporarily while i was away. In responding, XXXX informed me that their system automatically turned my services on and that they would relinquished the amount owed. All said and done, I, knowing that I wont be around often due to work and other busy schedule, decided to terminate my service. Now, XXXX is charging me cancellation fees. Please note ; I do not have contract with XXXX at the time of requesting the service thru XXXX as cinfirmed by XXXX. I am perplexed as to why I have been dubiously held responsible for money I do not owed them. This is a fraudulent attempt by XXXX to collaborate with diversified consultants to extract money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
They offer me to erase the loan because was paid in the court because the XXXX XXXX XXXX XXXX was paid the loans of students because they have a lawsuit and theyre erasing the loan for the student I received the offers to remove that loan but was not removed theyre taking the loan in other federal account loans please remove that loan they offer me that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All of the credit reporting agencies ( XXXX, XXXX, XXXX  ) except TransUnion have removed a student loan that was full of fraud until it was finally approved for XXXX Discharge in 2013 and closed. TransUnion refuses to delete or remove the loan. They also continue to re-post a phone number disconnected 3 years ago. 

How can I get TransUnion to remove the student loan, an old disconnected phone number, and old addresses? All of the other credit reporting agencies have done this voluntarily.

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 2018-12-19
Company: EQUIFAX, INC.
State: IN
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:
A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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:
I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted paperwork to recalculate my student loans for repayment on XXXX XXXX, 2016. This is also part of the annual re-certification process to justify being on an income-driven repayment plan and to determine how much is owed for that year. It 's about to be XX/XX/XXXX and I still have not switched to a new repayment plan. Instead, I 've been arguing with Fedloan Servicing on a monthly basis, sometimes twice a month, to try to figure out why I have n't switched to a new repayment plan or been placed on the lowest repayment option. Each time I call, they will say something like, " You need to be in forbearance for a month and pay the minimum of {$5.00} until we recalculate the new repayment plan. '' I agreed to only pay {$5.00} ; however, the online portal will send me a reminder to pay the interest and it will show that I am going to have a direct debit withdrawal for over {$400.00} despite saying that only the ~ {$30.00} interest is owed. Instead, I just paid the interest figuring it would cover the {$5.00} and told them to suspend the direct debit. I also requested to move my direct debit to the XXXX of each month to split up my other student loan repayments. Each time I have called, they tell me that I am still in forbearance and that I need to pay {$5.00}. Months later, it says I owe over {$700.00} and I am now delinquent in payment - this XXXX because my credit score is high ( ~XXXX ) and I want to buy a car this year. They still have not switched me to my new income-driven repayment plan even though I started the process 4 months ago. When I called them the other day, they told me it 's because I paid more than the agreed upon {$5.00} and the system switched me to a standard repayment plan. This was not told to me and makes no sense as to why it would operate in this manner. Their process is shrouded in mystery and is meant to confuse and have individuals pay interest and stall the r-ecertification/new repayment plan process. They are stating that I owe ~ {$30.00} for interest and I have an upcoming direct debit in the amount of {$400.00} with a total of {$770.00} due. This means they have also re-activated the direct debit withdrawal feature WITHOUT my permission. I can not budget each month because I 'm uncertain what I owe. I am on the student loan forgiveness, too, so this is impacting that program. At this point, I just want to go back to what I was paying because I 'm so sick of dealing with them. But what I really want to do is sue them for how they 've handled my loans and capitalized off of interest payments by confusing me and, more than likely, several other borrowers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and transunion and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: MO
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'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my XXXX it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX   {$530.00}

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 non-monetary relief
Consumer complaint received 2018-03-18
Company: Genesis Credit Management, LLC
State: NY
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:
ii just saw that someone tryed to open a card with XXXX XXXX XXXX card that wasnt me for sure, I already have a XXXX XXXX platimum please remove this hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company mentioned herein has listed an account on my credit report that does not belong to me. I have or had absolutely no dealing whatsoever with this this company or its affiliate creditor. This company and I have never exchanged any communication whatsoever. Thereby, this company has never contacted me ; thus not giving me an opportunity to request verification of this alleged debt. The company went straight ahead and reported an unverified account to the Credit Reporting Agencies. I believe that my rights under the Fair Debt  Collection Practices Act have been blatantly violated by this unknown company. 
The information listed on my credit report is as follow ; Creditor Information : LTD FINANCIAL SERVICES XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Amount allegedly owed : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened an account in XX/XX/XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX offering to be of any assistance if I ever needed anything. On XX/XX/XXXX I  requested XXXX close the account over email. My request was refused unless I sent a signed letter requesting it be closed. Putting aside the inherent silliness of not being able to close an online account online, I mailed the letter. On XX/XX/XXXX, I received a letter rejecting the request to close the account and requiring new, different information from what I was told by XXXX. 

The bank is clearly trying to extort a fee from me for inactivity by prolonging the closure process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
CFPB reference number XXXX Have no option to use Wells Fargo NATO Bill pay account from USA Treasury pay.gov with reference company ID and DUNS Number

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 2020-07-02
Company: Lenderfi, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan on Friday XXXX/XXXX/2020. I've sent number messages to my loan officer on getting a loan estimate. Loan officer does not respond. I sent an email to the lender on XX/XX/XXXX and they never responded/called me. I provided all the required information and lender pulled my credit report. Lender is supposed to provide a loan estimate within 3 business days. It is now more than 3 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our loan being serviced through PNC. Bank - we set up an online account this week with PNC.com and input our checking account information so that we may be able to start making recurring principal only payments to the bank. We already have our mortgage set up to be paid monthly through our checking account and are current and never been late. There is NO option for us to submit a principal only payment and the servicer stated that the only way we could even attempt to do that is we have to set up a checking account with PNC ( which we do not want to do ) OR we have to mail in additional payments. On their website they do not even give an option for principal only if we were to set that up so they can easily apply that to additional interest which we do not want. Our loan came with having no prepayment penalty and we want PNC to offer the option of making principal only payments on their website to all customers without mandating we have to set up an account with them and without them applying a directed principal only payment to anything other than principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.

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 2020-11-12
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
XX/XX/2020. Charged 4, {$36.00} overdraft fees for items that show they were cleared on XX/XX/2020. Spoke with branch manager XXXX XXXX XX/XX/2020. Unwilling to help on anything. I do have printouts of 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 2019-05-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
pennymac charging higher escrow portion than they ate entitled to, pennymac who receives a copy of my bill states my property taxes are XXXX .they afre not they are XXXX per year .spoke with XXXX but because she was having trouble answering question and copped and attitude conversation quickly deteriarated.considering penny ac has XXXX  XXXX already twice borrower or borrower reps entitled to full explanation until borrower understands, under plausible questioning thiis XXXX was not equiped to answer why what would escrow shortage figure have been if base on correct property tax figure pmi wen t down homeowners only increased 20.EXTREMELY DISSAPOINTED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite repeated atttenpts to contact this less than par collection outfit they have refused to provide any proof of this so called debt and since XXXX rly have charter for a cable company Im confused where this debt may have come from. This collection agency has litteraly hundreds of xo plainys for the same issue and without being able to provide and signatures this becomes extortion not collection.

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 2017-11-24
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While living with my mother in she opened an account on XX/XX/XXXX for services from XXXX for the apartment, I did not know at the time but she used my name for the account. The last payment was made in XX/XX/XXXX by her. According to the credit agency the last bill was sent on XX/XX/XXXX. 
The total amount for the bill is {$1100.00}. 

In XX/XX/XXXX we both moved out to separate locations. I do not know if she cancelled the service or not as I was not aware that it was in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: PA
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:
attached is proof of this account being delete please follow suit and delete this account as well i formally request that the following inaccurate item be immediately remove from my credit report they must be removed in order to show my true credit history as this item should not be on my credit report. HERE IS A COPY OF XXXX UPDATED CREDIT REPORT DATED XXXX XXXX 2017 THEIR FINDINGS AND PROOF OF THEIR REMOVAL OF THIS ITEM PURSUANT TO THE FAIR CREDIT REPORTING ACT I EXPECT YOU TO COMPLETE THE REMOVAL WITH 30 DAYS please send me my updated report as soon as your investigation is complete thanks in advance 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 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist assumed our mortgage loan from BB & T. I found a past payment was not correctly credited to our mortgage and the latest payment ( made in XX/XX/2022 to BB & T per their instructions ) is not being credited by Truist. I have tried to resolve these errors with Truist but have been placed on hold ( for 45-60 minutes ) and a scheduled call from a supervisor ( XXXX ) at Truist was not kept ( XX/XX/2022 ). When I called customer service again, ( after another hold of 45-60 minutes and repeated holds during the call ) I was told they do not have a record of my earlier calls or XXXX the CSR I spoke with ). My concern is in assuming our existing mortgage loan, payments are not being correctly credited and I am being asked to make payments when they are not due. I am always 2 months ahead of the loan payment date. 
I believe Truist intentionally makes it difficult to reach them by telephone as a way of not dealing with their poor management of the assumption of BB & T.

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 2016-01-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
On Monday, XX/XX/XXXX, I called American Express ' ( aka AmEx ) customer service to see if I could cancel my XXXX AmEx card and apply the fee ( {$190.00} ) towards the regular Platinum AmEx card. The customer service rep told me that if I bought the regular AmEx card with her on the line ( a {$450.00} fee ), she would refund me the XXXX AmEx fee afterwards. I agreed, and bought the regular Platinum Amex. The *only* reason I bought the platinum AmEx at that time was because I thought I would get the Delta card fee reimbursed. As soon as the transaction had gone through though, the customer service rep informed me that she would not actually give me the full refund. I hope CFPB will look into American Express 's making fraudulent statements to get people to buy their credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX/XXXX/2015 XXXX law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with Best Buy which I do not. They disclosed I owe {$5.00}, XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation