BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Earlier today ( Wednesday, XX/XX/2020 ), the cosigner of this loan received a phone call from the loan servicer ( AES ) indicating that my payment was overdue. When the cosigner notified me of this, I was surprised because for several years my due dates have been the XXXX of each month, and I had made a timely payment of the balance due at the end of XXXX. I logged into my account and discovered that my due date had been changed to the XXXX of the month. I searched through my email account and could not find any emails notifying me of this change, even though AES usually communicates with me by email. 

I called AES and the representative confirmed that AES had in fact changed my due date. The representative searched through AES 's communication system and confirmed that they had not sent me an email regarding this change. The representative told me that all I can do is pay the balance now ; the due-date change can not be undone. Further, he suggested that I should log into my account frequently to see if my due date changes again. After the call, I logged back into my account and paid the so-called " overdue '' balance in full. 

I am reporting this situation because I believe AES has behaved wrongfully in two respects. First, it is inappropriate for a servicer to suddenly make a monthly loan payment due only two weeks after the last payment had been paid on time. Second, no change in payment date should occur without proper communication to the loan customer ; it is absurd to expect people to frequently check for changes in their accounts when they have signed up for email notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient will not let me pay off my loan. I have plenty of money in my account and they keep reversing my payments. As you can see below this has been happening for a while. I have continually emailed them and they will not fix this. Please let me know what to do. 

Sincerely, XXXX XXXX XXXX XX/XX/2020 Payment Reversal {$5300.00} {$0.00} {$0.00} {$5300.00} XX/XX/2020 Payment - {$5300.00} {$0.00} {$0.00} - {$5300.00} XX/XX/2020 Payment Reversal {$6500.00} {$0.00} {$0.00} {$6500.00} XX/XX/2020 Payment - {$6500.00} {$0.00} {$0.00} - {$6500.00} XX/XX/2020 Payment Reversal {$6900.00} {$0.00} {$0.00} {$6900.00} XX/XX/2020 Payment - {$6900.00} {$0.00} {$0.00} - {$6900.00} XX/XX/2020 Payment Reversal {$13000.00} {$0.00} {$0.00} {$13000.00} XX/XX/2020 Payment - {$13000.00} {$0.00} {$0.00} - {$13000.00} XX/XX/2020 Payment - {$27000.00} {$0.00} {$0.00} - {$27000.00} XX/XX/2020 Payment Reversal {$15000.00} {$0.00} {$0.00} {$15000.00} XX/XX/2020 Payment - {$15000.00} {$0.00} {$0.00} - {$15000.00} XX/XX/2020 Payment Reversal {$11000.00} {$0.00} {$0.00} {$11000.00} XX/XX/2020 Payment - {$11000.00} {$0.00} {$0.00} - {$11000.00} XX/XX/2020 Payment Reversal {$20000.00} {$0.00} {$0.00} {$20000.00} XX/XX/2020 Payment - {$20000.00} {$0.00} {$0.00} - {$20000.00} XX/XX/2020 Payment Reversal {$47000.00} {$0.00} {$0.00} {$47000.00} XX/XX/2020 Payment - {$47000.00} {$0.00} {$0.00} - {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 XXXX payment was due by XX/XX/2019. I made my payment by the due date but the company still reported me late. I have two different forms of proof showing my payment was received on XX/XX/XXXX. I received online confirmation and an emailed confirmation. When I opened my dispute with the credit reporting company they did not fix the 30 day late on my credit report for XX/XX/2019. They updated my XX/XX/2019 payment which is fine but my XX/XX/2019 payment needs to reflect that it was paid on time as it was paid by the XX/XX/XXXX due date.

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 2021-01-28
Company: ALLY FINANCIAL 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:
Fraudulent account has been opened up. My identity has been stolen and used fraudulently.

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 2020-05-27
Company: RCS Capital Partners, Inc.
State: DE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This complaint is specifically for RCS, this is a " collection '' agency for XXXX XXXX and XXXX XXXX is the " current creditor ''. However, only XXXX XXXX appears on my Credit Report under collections. There are 4 companies I owe debt to, RCS and XXXX XXXX are none of the 4. 
On XX/XX/XXXX {$57.00} was debited from my account by RCS, XX/XX/XXXX another {$57.00} was debited, and XX/XX/XXXX {$57.00} plus another {$6.00} was debited from my account all from this same company " RCS ''. I had spoken to this company in early XXXX ( XXXX is handling my account ) about ceasing all future payments since I am off of work because of the COVID-19 outbreak, I am still laid off currently and am surviving off of savings. 

I called RCS today XX/XX/XXXX, because I noticed additional charges had been taken out of my account. I wasn't upset, and never had any intentions on asking for a refund. But XXXX was extremely defensive, had a condescending tone with me, and refused to hear anything I wanted to say, and then hung up on me. When I called back 4 or 5 times I was left on hold by an automated system, and then the call would drop. I finally got thru to XXXX 's co-worker whom found it satisfying to tell me he was not only the supervisor but owner of the company, told me he leads the call and I have to listen to whatever he has to say, not the other way around, told me he would remove my information from their accounts and hung up on me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had filed a complaint against Wells Fargo Bank this is the complaint number XXXX. 
In addition, to me waiting on Wells Fargo to send the documents requested by the beneficiary bank which Wells Fargo prepared these documents, had me to go into a branch and sign the documents and I was told by a Wells Fargo Employee that they were not sending the documents and that I would have to file a police report. And that the beneficiary bank did not need these documents to send me my money back. 

Wells Fargo submitted a letter in response to the above complaint which was clearly false. On XX/XX/2021 they never submitted the documents for the Fraud and Claims Operations Analyst to sign them ( his name is XXXX XXXX ) . And the documents were never submitted to the beneficiary Bank ( XXXX ). I am told by XXXX XXXX and XXXX XXXX that these documents are all they need to reimburse me my money. 

Wells Fargo is deliberately not sending the documents and falsifying documents stating that they have.

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 2022-03-01
Company: RentDebt Automated Collections, LLC
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 recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with RentDebt for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with XXXX, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I are in the process of buying a home. We were approached by BBVA Compass Bank and so we decided to apply for a loan with them. The complaint is that we have put in an offer on a home back on XX/XX/18 and on XX/XX/18 we heard from the underwriting department for the first time with a long list of requirements. This was 1 day before the original scheduled closing date. We gathered all of the information requested over the weekend and when everything was finally submitted we were told our tax transcripts were needed, so they requested them on XX/XX/18 I do not understand why they were not requested earlier in the approval process but this was the case. We were informed today that the tax transcripts were not received and the lender asked me if I could go request them myself. This is a step I myself had offered a week ago to speed up the process but was assured it was not necessary, clearly not the case. I have to travel to XXXX TX from XXXX TX on Thursday XX/XX/18 because this the soonest IRS could have an appointment for us. I received an email again today from the underwriting department requesting yet again all the documents that were requested on XX/XX/18 and already sent. VERY FRUSTRATING!!! 

Through out this process I have been sending countless unreturned emails and texts, left unanswered voicemails to the lending company and have had very little responses. I have requested to speak to a manager and the manager is also terrible about communicating, which he assured me he would stay in close contact with me. Both the loan office XXXX XXXX and the manager XXXX XXXX have accepted that the bank has never gone through a situation like this one and that everything that could go wrong has!! 

At this point my family and I are in a difficult living arrangement because of this situation, the sellers have moved out of the house and are in the airline business so the lack of communication to the realtors has frustrating for them too. My family and I do not know if we will get this house especially now since after multiple closing amendments signed by both parties ; the seller has given a final ultimatum of closing by XX/XX/18. It is now after XXXX and my lender has yet to communicate to the realtors if we will be closing by that date.Through out this entire process we have felt as our loan is nowhere on someones priority list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: WELLS FARGO & COMPANY
State: IL
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 have 2 closed mortgage accounts which were fraudulently opened. Wells Fargo Home Mortgage and 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 2019-11-05
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$11000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX  XXXX {$7500.00XXXX XXXX  XXXX XXXX {$13000.00} XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX  XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX {$930.00} XXXX XXXX  XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX   XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$12000.00}

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 2019-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my father 's telephone number asking for me. My father told them that it was not my phone number. The gentleman on the other line asked for my new phone number ( which I've had for over ten years ) and my father said no. When I called to find out what was going on, the " Portfolio Recovery, LLC '' was asking for my social and other personal information. They looked up my father 's phone number and mine and were unable to find a reason for why they called originally. They'll called repeatedly and when I've called back to find out what they want, they are rude, demanding, and just overall nasty. They need to stop harassing my father and me for whatever they want. I don't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
unsolicited calls on my cell phone that I did not sign up for as I am on the National do not call registry. Many times a week

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am being reported as a charge off from XXXX yet I have a letter from them stating that this account was not opened by me I never used said account that I am not responsible for said account and that it is to be removed from all credit reports. Since this letter they have opened and closed accounts in violation off the law and their own admission. Now I have seen they open another account again not opened by me. And have put it in charge off. They claim that now it was not a fraudulent account even though they have sent me a letter confirming I am not responsible for the original and all accounts opened by them not me. They refuse to send me copies of all signed papers of the opening of these accounts that I never opened and they have charged off I am forwarding the letter stating that I am not responsible for any account. They even have accounts made up when I wasnt even living in America. I can show you my proof that I was living in XXXX.. I have other violations that I will send separately.

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 2018-02-07
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was in XXXX and an account was opened in my name while I was away! Someone had opened several different accounts in my name. When I got out, I had everything removed from my credit ( except for a XXXX bill ). I notified XXXX that this was a result of identity theft and eventually it was removed from my credit report, but later sold to an collection company! I disputed it with the credit bureaus and the collection company, and eventually it was removed again! So now the account reappeared again but with XXXX XXXX XXXX. So I filed a FTC report, and sent it to all parties ( XXXX, all 3 credit bureaus, and XXXX XXXX XXXX ). Once again its removed from all credit reports and its blocked from getting added back on, and out of all the companies XXXX XXXX XXXX  is the only company that is trying to collect on this debt! I have never lived at the address this bill was established at. I was XXXX with proof. I never gave my permission for any company to run my name, social security number, or date of birth to obtain services. This is harassment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I ordered an item on XX/XX/2021 for {$42.00} on XXXX from a third party seller known as XXXX XXXX XXXX. Order # XXXX. The seller claimed to have shipped the item which I did not receive. I spoke with an agent from XXXX who stated the address that the item was shipped to was not my home address. XXXX did not disclose the address due to company policy. I then spoke with XXXX who stated the address showing on their end was my home address. They then contacted the seller, the seller responded they would update me with the correct tracking number. I have yet to receive anything. I spoke with a supervisor at XXXX by the name of XXXX who was very rude and dismissive. I told her they should remove this fraudulent seller. She proceeded to disconnect the phone call during mid conversation. I called back and spoke with another XXXX customer service agent who was also very rude and condescending. He stated that XXXX wrote in the notes she disconnected the phone call due to expletives being used. I would like to have those phone calls pulled and assessed. I am requesting corrective actions taken to reprimand XXXX for lying. I would like the seller to be investigated and removed for fraud. I am also requesting an investigation or case created to handle both agents, XXXX the supervisor and the agent who i spoke with after her at XXXX for customer service abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
You falsely advertise that you help consumers. In actuality, you suck every penny that you illegally can from them.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: UT
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 is reporting on a debt on my credit file I do not owe for XXXX XXXX. XXXX was included in my Bankruptcy # XXXX. I have contacted XXXX XXXX several times to fix this issue and they have avoided removing this account. They are in clear violation of the Bankruptcy Law act and need to remove this 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 non-monetary relief
Consumer complaint received 2018-04-04
Company: Experian Information Solutions Inc.
State: FL
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 have a 2 hard inquiries both from XXXX that I did not do : XX/XX/2016 XX/XX/2016 I spoke to them about it and they confirmed on the call that I was not the person who tried to open these accounts. I notified the credit reporting bureaus but they are still showing up on my credit report. I would like to have both these hard inquiries. removed.

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