BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-20
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im filing a complaint against the collection agency Hunt & Henriques. They somehow got a judgement against me without me ever being served. Although I told them from day 1 I was on XXXX, they continued to harass me until I paid them. They received a total of {$3000.00} from me some of which was garnished from my bank account. I repeatedly informed them I was on XXXX, but I didnt know until later that it was illegal for them to take my XXXX even with a judgment. I am sending what I have readily available to prove payment was received and Ill even send my benefit letter for proof of XXXX. I told them I was going to fight to get my money back from them and they claimed I gave it to them voluntarily. If judgments and garnishments are voluntary, I hate to see what the latter option looks like to 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 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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:
My TransUnion Credit report has an unrecognized and unauthorized Hard Inquiry. I would like it explained and corrected. I am basing this information off my XXXX XXXX account. Thank you! 

Date of Hard Inquiry : XX/XX/2017 Unauthorized Institution that Inquired : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC 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 2018-06-20
Company: United Revenue Corporation
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:
The company is failing to stop reporting bills to credit agencies such as XXXX.

The bills have a responsible third party and are currently in litigation. Trail is wet for XX/XX/2018. My attorneys have notified the company ( listed below ) that the bills are RTP and in litigation. The company continues to report the bill to credit agencies. Ive disputed the reporting twice and have provided XXXX with proper documentation to cease and desist reporting.

UNITED REVENUE CORP Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Navient Solutions, 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:
There are 8 inaccurate late payments being erroneously reported by Navient from XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through Navient Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to Navient directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. Navient has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with Navinet and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So Navient no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another Navient supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>Navient appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Transactions will disappear from my pending list and I will spend money that according to the bank says I have. Sometimes I forget a transaction here or there, so I rely on my online banking. Then, days later charges will reappear and post and send me into an overdraft. This has been a common occurance for months now and the bank refuses to acknowledge their role in this, making me pay huge amounts in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10
Company: MST Financial Services, L.L.C.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have pulled my credit report and see XXXX XXXX XXXX has listed 12 debts they say I owe from the state of XXXX. I now reside in the state of XXXX, which is a closed boarder state for collections. I understand they are not allowed to contact me for any collection purposes by phone or mail. It is a violation of the Fair Debt Reporting Act to continue reporting a debt to the credit reporting agencies if it is not validated. I sent a letter to XXXX on XX/XX/2018 asking them to validate the debt and if they can not to completely remove the debt from my credit file. Since XXXX  is a closed boarder state for collections, they were in violation of contacting me when they sent the XX/XX/2018 letter addressing the debt validation. They should not have contacted me which then should also have made them remove the debts from my credit reports and stop all attempts to collect the debt.

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 2021-06-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my XXXX XXXX XXXX XXXX in XXXX XXXX XXXX loan ) I immediately contacted Wells Fargo ( The lender ) because I wanted to sell the vehicle. I was told the lien would be electronically released, and I would receive a paper title within 7-10 days.When that didn't happen, i called back, SEVERAL TIMES, after the 5-5th phone call, i asked to speak with a supervisor. After 2 more calls of being told a supervisor would call me back, I contacted my local XXXX. I was advised there is NO HOLDS on the vehicle except the lien from wells fargo, and all they have to do it release it. every time i call them, they give me a different reason why its not released ( none that are my issue ) for example, these are the reasons in order I've been given.

1. Because of Covid, the XXXX XXXX  department is backed up.

2. ( one week later ) because we moved from XXXX  state where it was purchased to XXXX  state when it was paid off, that the title is being held by XXXX state. 
so then i contacted XXXX  state, and they told me they do not have a title and have not since XXXX when we moved. 
3. then i was told they have attempted to release the hold 4 times, and it isn't their fault, that VA XXXX has a hold on it. 
of course i cant just walk into VA XXXX, so i mailed all the info to them, and I received a call from the XXXX rep at Va XXXX electronic XXXX department. she told me, there is NO LIEN on the vehicle except wells fargo, and if they are having issues all they have to do is call them and they can fix it. but she didnt see any reason why they would have an issue. 
4. i then called back and was told by another rep that it was some other issue related to their software, and she would have a manager contact me within 48 hours.

5. I waited one week, and today i was told that the title was in " XXXX XXXXXXXX '' and it was being held by XXXX  AGAIN, i called XXXX state back AGAIN and was told again that it was not true. 
6. so i called back again, ( 8 weeks now of these back to back calls ) and the rep was rude and nasty. she said now that it was an issue with Wa issuing a paper title to VA instead of them first, and that she was escalating the case ( same words I've heard 4 times now ) to a manager to fix it. 

i need to sell this vehicle, and can not without a title. i paid off the vehicle early just so i could sell it. i paid every payment early or on time, and i cant get a straight answer at all.

I have owned dealerships, and i have been the lienholder on 100 's of loans, and i know how easy it is to release a lien. so that is why i am so frustrated. all they have to do is literally log into dmv site for lien holders and click a lien release button.

I just want my title.

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 2018-11-01
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying to get a reasonable modification From SunTrust mortgage over past several years. We did pay three monthly installment payments at one time when they approved us for a trial modification period. All payments we're made and had proof of payment for them, but the modification of the loan was " accidentally  cancelled '' by another department at SunTrust and they said they couldn't reinstate the loan. We were no longer elligable for that type of modification for our loan. We were denied several times, then finally approved. This XXXX we were approved for modification of the loan, but because I had questions about how the bank determined the monthly payment of over 3600 dollars a month, no one had an answer. The loan specialist at SunTrust just kept telling me that " they said that you can pay the 33 %! ". No one could telle 33 % of what, our gross income, net income, life of the loan/debt ratio? And would not allow me to speak with anyone else to explain this. So I was instructed to allow this offer to expire ( XX/XX/XXXX) and then enter a new borrowers assistance packet to SunTrust. So I did. The packet was sent on XX/XX/XXXX and again on XX/XX/XXXX. I called on the XXXX to see if the documents were received and was told that they were reviewing the documents and would contact us within 5days if any documents were missing. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX, Virginia sales stating there was a sale date of XX/XX/XXXX for our home. I contacted the bank ( SunTrust mortgage ) and they said there was nothing they could do and they threw the packet out because it was not complete and it was less than 15 days til the sale of the house. 
We did not receive any notification from the bank or XXXX   XXXX regarding the sale date of XX/XX/XXXX before now. The letter from XXXX XXXX stated that notification was sent XX/XX/XXXX via first class mail and Certified mail. We never received a certified letter from them. They were Double Tracking our loan. 
Thank you

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 2018-11-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  ( XXXX XXXX XXXX ) has listed an item as in collection for a service they say I received on XX/XX/XXXX and XX/XX/XXXX and I know nothing about this. I contacted XXXX and they said they could not provide me any detail as to what this was for. They told me to contact XXXX. XXXX would not give me any contact information for XXXX. I called one number I found on the internet for XXXX and they said they had no record of me. I called a different number I found for them and they said I needed to get the detail from XXXX. I told them XXXX couldn't/would n't provide me with any detail and to call XXXX XXXX at XXXX XXXX XXXX . I called XXXX XXXX and they say they don't have any invoices for me. I have disputed this with the 3 credit agencies, XXXX XXXX, XXXX  and XXXX. This reporting on my credit report by XXXX has negatively affected my credit score and my ability to get credit extended to me. I believe this may be a scam as XXXX - nor anyone they refer me to can provide me any detailed information regarding this charge.

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 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both Transunion and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX   balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( 0 balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from Transunion. This has ruined my good credit and none of it was my fault!!!

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 2019-05-23
Company: ERC
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: Information belongs to someone else

Complaint:
enhanced recovery CO. LLC XXXX XXXX XXXX. XXXX, FL XXXX. I contacted this company with a second written request requesting original creditors documentation, I do not believe this information is mine or correct. I have never had XXXX phone service! They have not provided me a copy of any original contract with my signature attached. I am requesting all information be removed from XXXX  and XXXX. Again, I have never requested XXXX or had their services. 

thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi, I have been with BB & T Bank for many years now and even before when it was XXXX  XXXX. 
I was a victim of FRAUD AND IDENTIFY THEFT. BB & T did NOT do anything about that. They stated that they were going to Internally Investigate it and contact me. They Never did. As a result of this FRAUD AND IDENTIFY THEFT ; I wasn't able to keep track of my Account History. I had to open and close two different checking Accounts. I have called the BB & T Executive Offices contact Number several times. I have also called their XXXX - XXXX number And Office Manager several times and They still continue to LIE to me, give me excuses, Ignore me, NEGLECT And Mis-Treat me. I have been extremely Patient up until NOW. About a Month ago I asked And Requested their Assistance This has been to NO AVAIL. They Need to Credit my Account. Send me a Detailed Account History for the last 24 months ( Office which they Assured me of ). And Regular Mailed me Broshures of the different types of Checking and Savings Accounts that they have where there is No fee charges if I don't have Direct Deposit. I can NOT account For much money in which I had in my checking Account. - Please have BB & T RESOLVED these Issues / Matters A.S.A.P. - Thank You

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 2018-10-27
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: Information is missing that should be on the report

Complaint:
I had made a previous complaint regarding XXXX XXXX because the balance was wrong in your credit report but yet it was right in your dispute center. Went to check again. Your showing that I have one account but yet when I go to dispute XXXX XXXX your showing two accounts. I knew XXXX XXXX was going to be added to my credit report and didn't know when it would be added. Can you please explain why this happening and why XXXX XXXX is not being shown in my report. This all seems backwards twice in a row in a short period of time. I can't see XXXX XXXX in my report but I can dispute XXXX XXXX! Makes no sense whatsoever. I am uploading the information. Please send me an updated copy of my report with XXXX XXXX in it by mail.

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 2018-07-31
Company: JPMORGAN CHASE & CO.
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:
XX/XX/2017 chase bank {$150.00} delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have contacted WAY2GO customer service line for 2 weeks now, I asked for them to replace my Unemployment Debit card and they sent a replacement Child Support card, Now for the past 3 days I have called several times each day. Today I was waiting for over 4 and half hours to speak to someone and yet still got no one. I finally hung up with frustration. I have close to 2,000 dollars on my unemployment card and I can't even access it!!! This is ridiculous! I have tried contacted other companies and its a dead end! I just want my card replaced!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been getting scammed by this company for many many years, in fact 15 years since I graduated college. Never! have they applies my principal payments to the actual principle ... And as of late, they have started charging unpaid interest which I am sure down the road will result in delinquency ... and more late fees. What makes me furious is that I am setup on auto draft and when I check my account it says I AM PAID AHEAD! Here is a sickening example. I had one unsubsidized loan for {$2500.00} ( and change ) ... and after more than 10 years of paying that 6.7 % loan and literally 20+ principle payments, I still owe {$1200.00}. This is ridiculous, I've paid this loan off 10 times over. Funny how my payments for this loan were applied to my 2.7 % interest loans. How much do you plan on ripping me off for, sum total, over he course of 30 years - AES? 

For those of you who do not believe me, please search ripoff and other consumer advocacy sites for AES SUCCESS and their deceptive practices as well as their new scam the variable 'unpaid interest '' scam that appears to fluctuate depending on whatever they feel like stealing for that period of time. 

I am so sick of this company ... Had they applied my payments correctly, as opposed to strategically applying them to benefit themselves and steal from consumers like me, my loans would be nearly paid-off now. Disgusting and deceptive ... My only retailiation is Karma ... and to that end, I foresee a class action in the coming years. If I had the time, I'd start one now. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Although I had an credit account with PayPal for over ( 10 ) years and never missed any payments PayPal closed my account without any warning or notication and now refusing to reopen my account.

According to Paypal the account was closed due to a return piece of mail which I explained I moved and mail was supposed to be forwarded. I immediately provide a new address and updated the account but was told Paypal is not reinstating any accounts at this time without explanation.

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