BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I attempted to break a lease with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I chose to break the lease due to Military Orders, with the clause that is included in the Lease that requires the landlord, by law, to terminate the lease at my discretion with military orders. The management team, specifically, Ms. XXXX XXXX, refused to take an official memorandum, from a military commander, that provided early notification as of XX/XX/XXXX, that lease termination would occur because a pending military deployment to a contingency operation. I was called to active duty on XXXX XX/XX/2019 for a 400 day deployment orders. Ms. XXXX claimed only the actual orders would suffice so on XXXX XX/XX/2019, we provided the copy of the official military orders to the office at XXXX XXXX. We were subsequently charged our entire security deposit, plus an additional {$840.00} and was sent to collection with a noted 18 % interest for late payments. 

We did not pay this because this is an erroneous charge. We consulted with the XXXX XXXX XXXX Assistance team and had a lawyers letter explaining this was a violation of the Servicemembers Civil Relief Act ( XXXX ), and further explained that Texas does not allow for reprisal by a landlord due to the breaking of the lease in this manner. 

The security deposit was taken and claimed that the apartment was dirty on moveout. This was also falsely claimed as we have pictures and statements from the two neighbors who helped us pack and clean the apartment prior to our departure. The XXXX management team refused to do a joint walk through inspection of the apartment prior to our departure or on arrival. Pictures of the apartment at move-in are also available. This adverse credit action in violation of Federal and State law effected my family from moving to another location from our current residence to be close to a medical facility since we have a child with a serve and life-threating medical condition and can not obtain a lease through a rental company regardless of income because of this adverse and erroneous credit action and attempted debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04
Company: NAVY FEDERAL CREDIT UNION
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have been a customer of Navy Federal Credit Union for 6 years. They continue to take advantage of veterans using unfair business practices and misleading information. 

I did a lot of research for getting a debt consolidation loan and collected my balances, income information, and various other documents in order to apply. 

When I applied online, I was not given the option to even provide this documentation and was automatically denied by their automated system. Usually with banks they will at least evaluate the situation in order to find the best solution. Instead I was just treated not like a person at all. 

After contacting the bank they refused to work with me, or hear my case out. 

I've had several issues with Navy Federal over the past 6 years and feel like they take advantage of veterans by advertising they specially cater to them when in reality they don't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX XXXX Wakefield & Associates located at XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX received written communication from me requesting that they validate debt that is being reporting on my credit reports. One of the debt is {$1200.00} and the other debt is {$950.00}. I asked the company to provide me with proof that I signed off on to validate that both debts are indeed my own. The company has failed to do so. Wakefield & Associates is collecting a debt from an unknown medical practice. This company has yet to provide me with the requested at nearly 30 days now. For all that I know, the original creditor could have sent over fake receipts etc. Again, this company has failed to validate the said debt they are attempting to collect.I do n't know who the original creditor is, what they are billing me for, nor proof of me physically signing off to agree to be billed

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 2023-02-15
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Im requesting help in getting refund of {$510.00} that either Citicard MC or XXXX XXXX still has re-applied to my presentcredit card # XXXX. Initially XXXX charged on XX/XX/XXXX {$510.00} this charge at first unknown so reported to Citithey put it into investigation, cancelled XXXX credit card and re-issued new card XXXX and credited on new card on XXXX few days later I recognized the name being hotel booked in XXXX  DC ( not the XXXX XXXX XXXX XXXX and notified Citi I knew of chargethey reapplied charge on same statement on XXXXwhen contacting XXXX  around XX/XX/XXXX they said they CANCELLED reservation ( and no rooms available same rate then ) and REFUNDED XXXX to initial booking credit card XXXXappears refund never received since close dates between initial investigation refund and switch to new credit # XXXX and internal matching of {$510.00} of refund to # XXXX to # XXXX not applied by Citi or bounced back to XXXX. Ive contacted both XXXX and CitiXXXX claims refund went thru and Citi claims investigation credit given initially but re-applied on XX/XX/XXXX but No credit from XXXX. XXXX sent email showing credit given to XXXXCiti suggested asking for a check..XXXX says cant send direct or apply to new card # XXXX __they ask I request Citi re-send dispute to XXXX second applied credit on new card # XXXX. Citi says cant send second dispute on new card since dispute was on old card and closed..please help! Ive contacted both parties and inn stand still on what do nextboth acknowledge needs done. Thanks 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 2019-06-11
Company: First Credit Services Inc.
State: NJ
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:
On XX/XX/XXXX money has been trying to take out from XXXX XXXX and i never made an account with them now its in collecting and thats incorrect since i never made an account with them. My dad had me under his account as a membership for XXXX XXXX on XXXX this really needs to be fixed it shouldnt be charging or trying to charge me if they dont even have my credit card number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
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: Information belongs to someone else

Complaint:
I kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXXBANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting 22 unauthorized inquiries in my credit file. It is damaging to my credit and character. I did not authorize 22 inquiries.

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 2019-06-02
Company: HireRight Solutions, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Around XX/XX/2019 I took a drug screening test for XXXX and was given results that they have found XXXX in my system. I do NOT smoke XXXX. My complaint is that I know for a fact the results they gave me were absolutely false. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient has called me over 30 times since XX/XX/XXXX, every day 4 times a day. Based on information from the Government all student loans should be on forbearance, As part of the federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education ( ED ) owned loans until XX/XX/2020. 

They have charged me every month since than. I logged on today the past due fees were still there and my forbearance only had only 43 days left. In addition, it'slisted that I have a payment due in XXXX ... Why am I being billed in XXXX if the forbearance is current until XX/XX/XXXX? 
They reported delinquency to the credit bureau over 60 days. How is that possible if my payments were discontinued, per federal legislation payments were suspended on XX/XX/XXXX? Furthermore they sent me a text message asking if I need forbearance, I responded yes.. 
I am in the process of filing a compliantwith the XXXX, Pleaseadvise Navient to remove delinquencyon my creditreport, and make my acct current. I have been paying on time for about 3 years ; I stopped when Covid 19th started. Please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from a person saying that I owe money to them because the doctor at the hospital send them the debt, I asked him to give me discount so I can pay it one shot, he said no, I said I am paying the hospital in payment and I just paid another bill how would I know that it is not a duplicate bills said give me time and we will talk, with the covid 19 problem everyone is trying to take care of their loved ones ' was taking care of my father ( XXXX years old ) and making sure to keep my business open and hold on to my employees it is a struggle.anyway .yesterday I was surprised he went ahead and reported it on my credit report, keep in mind I didn't receive any written mail from the ( first federal credit control ) I saw their name on my credit report with phone number that is a fax, and the other report doesn't list any phone number for communication amount is {$1300.00} my point is with all that is going on at these time, they didn't allow me enough time nor provide me with a written notice and a referenced phone number so I can have recourse I called their number it is not a working number, it is a fax number. this tactic is unfair, bcoz I have good credit, I feel I am been blackmailed by them, pay or else I will tarnish your credit, eventhough I offered to work with them, but I can't contact them, I need help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Date:XX/XX/17 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. The item ( XXXX XXXX, XXXX ) is inaccurate because the accounts is not mines. I am requesting that the items be deleted. Please reinvestigate this these matters and delete the disputed items as soon as possible. Sincerely, 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 2018-03-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I missed several payments with them and it went to collections. However, I recently made the full " Due Now '' payment of {$450.00}. Now I am getting harassing phone calls several times every day from a man calling himself " XXXX XXXX '' making vague statements that he is somehow some kind of collections law enforcement agent and he'll make me and my family sorry we didn't make the full amount of the past due payment. I actually contacted them to try and make arrangements to continue the payments but never received a email or call back either, but I still get these calls. 

The email I received on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX The payment made on XX/XX/XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage customer send payment for mortgage on XXXX to Bank of America from my XXXX online account XXXX  shows proof of delivery on XXXX for XXXX Tried calling Bank of America countless times call wait times average 90 min to 1 hour Need to get status on payment being processed

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My company has a business checking account at Chase Bank in the name of " the business ''. A person who worked at my company also has a bank account at Chase bank. This person was able to deposit 55 checks that were clearly marked pay to the order of " my business name '' into their own personal bank account. Chase refuses to correct this horrible mis-allocation of funds that went into the wrong account ( {$8200.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This complaint is against Wells Fargo mortgage department. I have a home equity loan and I have been giving bi-weekly payments for the last two years. 
My XXXX payment has been made as a usual bi-weekly payment. The funds have been withdrawn from my checking account but yet I have not been given credit for my XXXX payments. I have called five times and spoke with loan representatives and have been told there is no record of due payments. I have proof and receipts of the withdrawal.

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 2020-06-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 at XXXX I attempted to withdraw {$500.00} from the Chase ATM machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX using my stimulus check debit card but the machine malfunctioned and did not dispense the money or reciept. The balance of the card reflected the missing money. I am requesting help to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently received the attached letter from Debt Recovery Solutions , LLC. While it does not refer to the date of service or other specifics of the original debt, I believe it relates to an emergency room visit by my then-XXXX year old daughter in XXXX. I contested the amount of the physician charge from the beginning, and responded repeatedly to the original debt collection agency but no resolution was reached. The last I heard from anyone was late XXXX, until this letter dated XX/XX/XXXX. 

I never paid this medical bill, openly contesting it from the beginning. However it is now more than 5 years past the date of service ( XX/XX/XXXX ) which is beyond the statute of limitations for contracts in the state of Virginia where this ER visit took place and where I still reside. This debt collection company should know it is trying to collect an unenforceable debt. It is also asking for more than double the amount charged by the physician group, from {$330.00} to {$790.00}. That is a remarkable interest rate and probably usurious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent 2 certified letters and one regular postal letter indicating that there are errors in my credit report that have yet to be completed. It has been over 3 months with no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We began the process of refinancing our mortgage with an outside company in XXXX, XXXX. We knew there were outstanding late fees from several years back, before SPS became the servicer. Several phone calls were made to SPS to see about a waiver of these fees. SPS said only the owner of the account, XXXX XXXX, could make the decision. We e-mailed a request to XXXX XXXX  on XX/XX/XXXX requesting the waiver. XXXX XXXX sent us a response letter on XX/XX/XXXX indicating this was the responsibility of SPS. SPS sent us a letter on XX/XX/XXXX acknowledging the request. We were in process of refinancing our loan and needed an accurate payoff amount. as the total late fees were included in SPS 's payoff letter making it necessary to borrow enough extra to cover the balance and fees. We ended up paying all the late fees with proceeds of new loan to avoid losing the rate on our new loan. We received a check dated XX/XX/XXXX from a department of SPS in the amount of {$1800.00} as a partial waiver refund. We then received a letter from SPS customer service department indicating the balance of these fees would be waived and they would be sending us a check. ( copy of this letter is attached ). We called about the balance due us and were informed we would only receive the {$1800.00} previously paid. We believe we were force-fed the {$1800.00} and are looking for the remaining {$3000.00} to be sent to us per the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: SC
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:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME I AM ENCLOSING A LETTER OF EXPLANATION ON ALL OF THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Personal information incorrect

Complaint:
Ive requested over 10 times for Equifax to update my personal data to show up-to-date information. They continue to state the previous addresses have been removed from my credit file. But as XX/XX/ the information still remains. As soon as this is not up to date this increases my changes of having a mixed file and destroying my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Allied Collection Services, Inc. (Nevada)
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this Allied Collection and asked for proper proof of this debt and they have not provided. They basically provided a receipt of me staying there, no proof I owe this debt. I want this 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