BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-17
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.

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 2018-05-15
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was the cosigner for my grandson 's SallieMae Loans while he was attending XXXX University in XXXX from XX/XX/XXXX - XX/XX/XXXX. When I was ready to make the final loan payment, I telephoned SallieMae to find out the total owed ( with interest ) and exactly when I should make the payment to avoid any additional fees. I was told to wait until AFTER the Grace Period to make the payment. I followed their instructions and made the payment. A couple of weeks later, I checked my grandson 's account and I was shocked that they had added {$870.00} marked " Insurance. '' I called SallieMae to find out what this charge was about as I did NOT request " Insurance. '' They transferred me numerous times, to different departments and then said it was a Repayment Fee. Each time I called thereafter, I got a different answer, it was " Insurance '' and then " Repayment Fee '' back and forth. 

Evidently, SallieMae representatives purposely gave me the wrong information by telling me to pay AFTER the grace period. I feel they did this viciously and someone should monitor the information the telephone representatives are giving to the students and cosigners.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JLB CORPORATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage is with XXXX XXXX XXXX I received the attached letter that, at first glance, appears to be from them. In one spot, in very small print, it references XXXX XXXX XXXX. This is very misleading. I did not call the number, but wanted to express concern that someone could call thinking it was from their lender and not XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to contact navient to explain my loan and interest and cant get through. In the event I am able to speak with them they tell me there is nothing that can been when it clearly states on the website that I do have options as far as income driven repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
XXXX XXXX XXXX bought this debt from Capital One Bank USA. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the Capital One Banks phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for experian, equifax and transunion. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by 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 2021-06-06
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
SLS reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. SLS told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

SLS has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by SLS.

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 2018-05-15
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I opened an account with the purchase of furniture with the agreement of 12 mos. same as cash with an ending date of XX/XX/XXXX! The credit limit was {$4500.00}, and I set up an automatic monthly payment of {$450.00} a month to pay it off in the 12 mos.! On XX/XX/XXXX I added to my account with another purchase of furniture in the amount of {$320.00} that in my mind has nothing to do with the previous purchase even though it is the same account! The account was being paid every month like clock-work as it was on auto pay! On XX/XX/XXXX I made another furniture purchase of {$3800.00} which was also under a 12 mos. same as cash agreement separate from the first that expired on XX/XX/XXXX but was on the same account because the first agreement was about to be paid off, it had 2 more mos. of payments! According to the statements the balance was {$500.00}! However for some reason they charged me a late fee of {$27.00} on XX/XX/XXXX and I must admit that I didn't watch this account like I should have because it was on auto-pay! After the Purchase on XX/XX/XXXX I set up auto-pay in the amount of {$320.00} a month which would have paid off the {$500.00} in the two months left on the first purchase! However they charged me {$790.00} interest on XX/XX/XXXX stating that the account still had a balance on it. Well with the other two purchases of course it had a balance on it but that has nothing to do with the monthly regular payments made to pay off the first purchase! And they did the same thing with the second purchase at the end of the agreement they said I had a remaining balance and charged me {$1000.00} Interest on XX/XX/XXXX! All is done and paid off, I paid {$580.00} on XX/XX/XXXX to leave the account a balance of {$780.00} which is the interest charge for the first purchase, but they say my balance owed is {$1800.00} which is all the Interest that they have charged me on this account unjustly! I have tried to talk to them about it but I can't get an answer on the phone, and I have received two letters that basic state that I had a balance on each charge of interest which is not true. If I had a balance it would be more on the balance now than just interest! And also remember I made a purchase on the account back on XX/XX/XXXX for {$320.00}, ALL PAID OFF!! Before XX/XX/XXXX! And I PRAY that this is not being done to anyone else, it is very upsetting to me!

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 2020-11-05
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: Personal information incorrect

Complaint:
DATE : XX/XX/20 ACTION : ASK TO REMOVE OTHER NAME VARIATIONS AND ADDRESSES

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 2018-12-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I went to Wells Fargo Bank in XXXX, NJ to make a cash deposit into my son 's account for XXXX. My name is not on his account, although we do have the same last name. The deposit amount was under XXXX XXXX dollars. 

I was told that Wells Fargo does not allow cash deposits unless it's your own account. 

How is this legal? I understand that Wells Fargo has violated many banking laws in the past, and it seems they haven't stopped.

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 2018-05-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/2004 the company XXXX XXXX XXXX ( for XXXX University ) has been trying to collect this debt. I had asked for info, got the information. Since then they have signed me up saying i owe them for a course through their university. I have never received any books, test or even taken any course from their university. I have repeatedly sent letters to collection companies saying I do not owe this and have reported them to the credit bureau. This has been going on for 14 years and I am tired of this. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Contacted Transunion XX/XX/17 about inquirys being removed and also change suffix to XXXX. 
inquiries desired to be deleted, customer service ( Transunion employee XXXX XXXX would not help and take care of the negative inquiries reporting to 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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am Contact your company because the three major credit bureaus still have mycredit report all messed and and XXXX is deliberately reporting fraudulent accounts and it shows twice on my credit report, the fraudulent accounts are XXXX XXXX Reported : XX/XX/XXXX + {$420.00} Closed XXXX Reported : XX/XX/XXXX I keep writing asking them to remove it as you know I included my police report because this account does not belong to me and is fraud and I want it removed from my account at once. XXXX also is saying my credit information doesn't match information I sent which is another lie it's just a way they can keep reporting fraudulent information on my credit report. This has been going on for way to long please stop this company and there fraudulent activity and retaliation against me do to me reporting there company to your agency. I am gon na include my identity that they sent a letter stating that my information doesn't match. Also all 3 credit bureaus are reporting falsely on balances because I gave paid my balances down on all credit cards but they continue to report old balances.

These cards have been paid in full and I want balances updated immediately XXXX XXXX, XXXX These accounts that I'm about to list need to be updated because accounts balances are wrong on my credit reports as well XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX please update balances on all these cards at once. 
Also there are credit inquiries on my transunion report XXXX XXXX from XX/XX/XXXX this is fraud and does not belong to me and I want this credit card inquiries removed at once. 
+ XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online This account is fraud and does not belong to me and I want it removed off my report at once I am also attaching a letter from the bank that states that they have already made the credit bureaus aware but they keep displaying it on my reports in order to lower my credit score. My credit score should be almost XXXX at all bureaus but everytime I report there fraudulent reporting they lower my score for no reason. I want to also add that I am XXXX always pay my bills on time and this whole situation with these credit companies fraudulent reporting is stopping me from even being able to do simple things like moving. Please look into my credit report and make them report correctly and force them to remove accounts that do not belong to me.

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 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2018 PORTFOLIO RECOVERY ASSOCIATES RESPONDED TO CONSUMER FINANCIAL PROTECTION BUREAU CLAIM # XXXX. 

ON THE COLLECTION OF XXXX/XXXX. THEY STATED TO YOUR DEPARTMENT, PER THEIR RESPONCE THAT THEY REQUESTED TO ALL CREDIT BUREAUS THAT THE COLLECTION BE DELETED. HOWEVER THEY HAVE NOW REPORTED THE SAME COLLECTION WITH A DIFFERENT ACCOUNT NUMBER TO XXXX. 

XXXX IS REPORTING THIS DERROGETORRY ACCOUNT UNDER THIS ACCOUNT NUMBER. ( XXXX/XXXX PARTIAL ACCT # XXXX. ) IT IS IMPERATIVE THAT PORTFOLIO RECOVERY ASSOCIATES DELETES THIS NEW ACCOUNT, AS IT IS THE SAME COLLECTION THAT REPORTED TO THE C.F.P.B THAT THE COLLECTION WAS TO BE DELETED. 


PORTFOLIO RECOVERY ASSOCIATED HAS DAMAGED MY CREDIT WORTHYNESS, AND THE C.F.P.B SHOULD PROSECUTE THESE PEOPLE FOR MISLEADING AND PROVIDING FALSE INFORMATION THE A FEDERAL AGENCY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I opened an account with fifth thrid bank because a coworker who was my employee advised me that they were a great bank and had a sign on bonus. He said his friend worked there and could supposedly get my funds from my other account transferred because I no longer wanted to deal with them. Not long after I opened I received a call from a fifth 3rd rep I'm assuming was the employees friend asking me to vefiry some personal information in order to transfer my money from one account to another. Said there would be no issues just needed to verify my info and next thing I know I'm getting letters stating large amounts of money were deposited into my account and it was being held. Unfortunately I got no where with fraud dept.the man who screwed my life up by doing this crap is working for this company. It has to be an inside job. I claimed fraud that i did not authorize these funds to be transferred and had no idea where they came from, they still wouldn't help me, never called me back after several attempts to reach investigator. then I noticed my card and info in the folder i got from opening my account was gone and maybe a few days later the man who worked for me never showed back up. I've always had good standing with my banks never anything fraud other than an online purchase or a gemmic and the bank handled it properly. Fifth 3rd on the other hand have allowed someone to withhold me from getting a bank account cause apparently their employees are crooked. I'm so mad and upset each time I speak of this. It's not fair and if I closed an account down how was someone able to take money out of it and where is the camera showing it was not me who made any transactions other than walking in the bank to deposit my initial XXXX  bucks when I opened the account. This is such fraud I've reported to FTA also to fifth 3rd who won't even respond to me other than say it was me. I need help this isn't fair and for once in my life can someone help me. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The XXXX XXXX XXXX called my husband and he gave me their number to return their call. When I did it never rang and the man who answered knew who I was before I gave any identifying information. He never identified his name or that he was calling to attempt to collect a debt. He then claimed he was calling on behalf of an attorney to collect a debt owed to XXXX XXXX from XX/XX/2008  in the amount of {$370.00} dollars. This information can not be confirmed by the bank or the consumer reporting company they utilize. When I disputed the debt as I've never been notified of it or had it on my credit report he claimed the bank could never report the debt because I had moved multiple times since XX/XX/2008 and that they contacted me at an address in Florida I've never lived at. He also claimed they had preformed a federal background check on me because they're a law firm and they can do this while the bank can not when I questioned why I hadn't been contacted in the last 10 years. He then went on to threaten me stating that he was putting me down as refusing to pay and they would be reporting this debt to every one of the credit bureaus as well as XXXX and my current bank account would be shut down immediately. He went on to state he knows I'm very intelligent and that I don't want my credit ruined over this.

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