BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not my Acct

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 2020-05-06
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2019 I was contacted by a company called Fed loan servicing to set up a loan forgiveness program which would reduce my balance from approximately $ XXXX {$16000.00} by making payments monthly that were automatically deducted from my check in the mail and the amount of $ XXXX monthly I was informed this was based on my income and I would have to recertify annually. For approximately six months this amount was deducted from my account and I thought nothing of it until it stopped withdrawn from my account. And became suspicious wants to stop withdrawing from my account and just recently checked my credit report only to find out then an additional {$49000.00} that has never existed in the 15 years since my student loan balance begin appeared do on my credit report as a separate line item from my original amount due which is valid of XXXX. When I called Fed loan servicing they informed me that this was a scam and that often scammers pose as the actual company and working with the department of education but are there to steal your money I am asking for your help to rectify this I am currently contacting XXXX the original provider of my student loan to get an actual statement of account to provide the valid representative from Fed loan servicing So they can indeed validate that my balance is only XXXX And not XXXX as indicated on my credit report. I do have a copy of my statement that was mailed to me showing the two separate balances one of which is completely invalid and have spoken to the one I believe is the valid company Fed loan servicing  they asked me to reach out to your company to correct this and file a complaint if someone could please get back to me to ask me what else you need from me I have just a little bit more information can also provide bank statements of the amounts being withdrawn the original number and name of the person I was given I was even provided a username and password and direct number to reach the company but since can not reach them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PRA Receivables has my vehicle towed from a debt that was paid off in my bankruptcy. They never sent a letter to me but I woke up with my vehicle gone. When I reached out to them they had no answers for me and said give them money or my vehicle would be auctioned off. I worked hard for my vehicle an I feel this was just a legal theft for something that belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Information belongs to someone else

Complaint:
I have many times sent over a written request to both Transunion in regards to removing inquires that are fraudulent on my account. I have also contactedTransunion via phone and no representative has assisted me with my problem. Ive kindly advised numerous times and havent gotten any response in regards to the fraudulent information being removed off my credit report. Or so much as a status update. Ive done everything that was asked of me and Ive still gotten no updates and Ive been continuously contacting 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX placed a collections on my Credit Bureaus without any notification of me having a debt. I was notified through my monitoring system. I called TransUnion about this collections and they advised me that it is a medical debt. In which this company never gave me the opportunity to dispute the debt. 

Under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX or any other Medical Agencies to release my medical information to a third party. 

This is totally hurting my credit report where I am about to close on a home loan. I believe the credit bureaus are intentionally putting collections on my credit to destroy my credit score and prevent me from purchasing my home.

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 2020-06-29
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX XXXX  a third party transferring service does not allow me to link my account from PNC to cash app. It shows a screen that says my account has prevents me from being able to link accounts and I could file a complaint with you cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I already filed a complaint with this agency under XXXX Kia Motor Financial stated that they could not find my account when you company contacted them but was able to find it when I contacted them. I hung up on them. I am frustrated with their company and practices.

As stated in my previous complaint this was my ex husband 's vehicle that I was asked to cosign on because he did not have any credit. We separated and he started missing payments then ultimately he go the car repo. I contacted Kia monthly to try to get a resolution and all they kept telling to do is pay for a car that I was not in possession of with a man with a violent history. In our divorce decree, my husband was declared responsible for paying the car note.

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 2019-04-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to make a payment with wellsfargo for XXXX to complete my payment for {$300.00}, instead they took XXXX out and then are telling me that I authorized the payment for {$2200.00} not {$300.00}. Wells Fargo will not let me listen to the phone call. Instead, they are telling me that I authorized this an I did not. They have overdrawn my account, they will not allow me to listen to the phone call with out an attorney. My account will be in default as a result of this, and they are blaming me. I called in good faith to attempt to make a payment and Wells Fargo made a mistake

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 monetary relief
Consumer complaint received 2019-04-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC has reported that I owe a debt to XXXX XXXX XXXXXXXX. I disputed this in XXXX and the company never responded to my complaint. I have contacted this company by phone at XXXX and by certified letter sent to LVNV Funding LLC c/o Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX. I have never had an account or owed anything to a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My PayPal account was hacked and I submitted a dispute for the charges with both PayPal and my banking institution. According to my bank and Paypal, the dispute was resolved and funds were returned to me. Now I'm receiving a letter from XXXX XXXX XXXX XXXX stating I owe the same money that was returned to me. PayPal shows that my account was in good standing and was closed after the resolution of the dispute. I don't want this reported to my credit if PayPal says it's resolved on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I open this loan account around XX/XX/XXXX I was told by one of their employee I will be able to do a early payoff, and wont be change all of the interest that shown, I sign up to paid once of month On XX/XX/XXXX I ask for my paid off to pay this loan off after making a regular monthly payment and was told half was going towards the principal plus I paid XXXX extra I borrow XXXX dollars very lil was put towards my borrow amount that's when I decide something wasn't right called back the next day ask what was my pay off the amount was very high after all this I view BALANCE CREDIT rating appear I'm not the first one that had this problem I wish I could have check before opening this account this loan company need to be investigate and reported Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I worked really hard to repair my consumer reports, It took me about a year to correct most of the errors on my reports and I got it to a good point before it got destroyed again due to identity theft and unauthorized use by the consumer reporting agencies. I have submitted numerous documentation showing that alot of errors on my report were a result of others using my information although that is the case I never game consumer reporting agencies permission to furnish this information on me regaurdless of how fraudulent or factual the information is, it is a direct violation of my privacy and im tired of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-24
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Stearns got sold to XXXX XXXX and i was notified lass then 2 weeks before transition kicks in. I've seen online that they should be notifying about this atleast 2 weeks prior. 

Stearns lending XXXX XXXX XXXX XXXX XXXX VA, 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 2019-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Several checking/savings accounts were opened in my name by Bank of America which were not authorized. I had an account at one or more times, BOA reps insisted I opened a second account which would be used solely for bill pay, second account was opened and which several fees including overdraft were charge to it. These accounts were not authorized. XXXX XXXX engaged in the same behavior and offered a settlement for fees charged to unauthorized accounts. I request a refund of any and all overdraft fees charged to accounts opened by BOA without my consent.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( XXXX XXXX ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

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 2020-05-06
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:
Trans Union Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with XXXX XXXX on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with XXXX  which show that reports are still not consistent and showing incorrect information. 

to show Trans Union XXXX  XXXX  XXXX XXXX XXXX Date of Last Activity 2 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Trans Union XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/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 2018-07-05
Company: Convergent Resources, Inc.
State: GA
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 I contacted XXXX XXXX about a collection account that was on my credit report. XXXX XXXX stated the original creditor was XXXX there was multiple account with the XXXX placed for collection one account was XXXX  and the other was 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 2020-05-10
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money unknowingly to an account in XXXX! Scam for XXXX dollars. 
PayPal will not refund my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The property is in default with Bank of America and is ready to close to pay the loan in full ( along with all late fees/attorney fees ). However, when the statement came, it includes over {$27000.00} in " property maintenance '' fees. These are nothing but " made up '' charges. Bank of America refuses to even provide a breakdown of what was supposedly done. The property NEEDS to close next week to avoid further attorney/late fees and we are having to pay {$27000.00} extra for fake repairs. They claim that their property preservation department ( XXXX XXXX ) had replaced the roof ( this was never done ). They claim that there are substantial lawn maintenance charges ( there is no lawn ). They claim there has been cleaning done ( the interior is a mess and full of junk ). They claim they secured the property with new locks ( may have been done, except the locks do n't even work ). Bank of America should not be able to " steal '' {$27000.00} of my profit from the sale because they simply feel they can.

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 2018-02-01
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXXI received a call from XXXX  teller number XXXX my single point of contact from XXXX Mortgage. I told her that I was concerned about the Default letter that was dated XX/XX/XXXXdemanding all past due payments by XX/XX/. I have already made a payment on XX/XX/ XXXX. I turned in a loss mitigation packet and I explained to her that I will not be able to pay all past due payments by the XX/XX/XXXX. I told her that I will receive a profit sharing check on XX/XX/XXXXwhere I could catch up on all payments past due totaling XXXX. She responded that they sent a another Default letter onXX/XX/XXXX giving me until XX/XX/. I have not received that letter as of todays dateXX/XX/XXXXXX/XX/XXXXShe also said my loss mitigation packet is complete and under review as of XX/XX/XXXX My concern is I DON'T have any documentation stating what I'm being told. I afraid this company is going to foreclose on my property. I have talked to several reps and I am getting told different things. Please can I get some straight answers because it seems that my last resort is going to be filing bankruptcy. This is not what I want to do.

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 2020-05-06
Company: Navient Solutions, LLC.
State: IN
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: Problem with personal statement of dispute

Complaint:
Navient/XXXX have been reporting to the credit bureaus for years, rightly so. However, on XX/XX/XXXX I received a settlement offer letter to settle my student loan debt. We sent the settlement amount, the check was cashed, but now they say I still owe almost {$850.00}. On XX/XX/XXXX, after numerous calls and transfers to different departments, I was told by Navient/XXXX to submit my paperwork ( settlement offer and copy of check ) to XXXX XXXX Claims. I was told to note the reason for the fax as Navient XXXX Offer Management. I faxed the information to XXXX and was told they would open a ticket to investigate and to call back in 7-10 days. I called back after 7 days and was told that Navient didnt authorize the settlement, even though XXXX did ( theyre together ). They stated that the balance of {$850.00} is still owed and theyve been reporting the loan as defaulted to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I AM ASKING XXXX XXXX XXXX, XXXX AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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