BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX University beginning with the fall semester of XXXX. As of the beginning of this year, MyFed Loan is claiming that I owe {$2500.00} ( {$2000.00} past due ) on supposed loans that I took out from XX/XX/XXXX to XX/XX/XXXX. I find it to be outrageous that after so many years they claim that I owe them money. I know of no such loans that I took out and do not find it plausible that any loans that might have been taken out would have been deferred for this length of time. I have called XXXX University and have checked into my financial records. They do not show that I owe them any money and I have requested documentation of all of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi I got a mail from CCS, MA -a Collection Agency for $ XXXX XXXX XXXX ,XXXX XXXX XXXX, XXXX , MA XXXX.It was for XXXX XXXX.I never had XXXX service under my name.Hence called the agency and explained about the wrong tagging.They accepted that it is wrong tagging as the SSN differs.Informed that they will remove.But they have reported to credit unions and I am now seeing my credit score down for about 59 points.I am about to get a Mortgage loan for my house and I have been denied because of this issue which I am no way related. I seriously wanted some solution from the CCS immediately and they need to answer the missed opportunity of mine. 
I am really stressed as I maintained a high score of XXXX and just this misrepresentation has put me in a deep trouble. 
-XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX changed my address to my address to a Kentucky address I live in Arkansas they sent me a letter said they was changing my address I called them XXXX XXXX in formed them I did nod change my address then I got another letter yesterday said they was closing my account so I called them XXXX XXXX they wanted my checking account no I gave it to them they hung up on me my bal was {$350.00} now they say my bal is & XXXX XXXX XXXX I made a payment of {$100.00} to them my credit line is $ 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 2017-12-03
Company: Vitek Real Estate Industries Group, Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account that was charged ridiculous amounts of overdraft fees during the year of XXXX. Causing the account to overdraft and now in collections. Want it dismissed and taken off my credit

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 2019-04-01
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I canceled my phone bill. I have never been contacted since then to be advised of any outstanding balance. On XX/XX/XXXX I found a collections account on my credit report by GC Services for {$370.00} that was placed on XX/XX/XXXX. GC Services stated they received the account being past due in XX/XX/XXXX ( less than 90 days from cancellation of account ). I contacted the phone company and paid the balance in full. The phone company advised they would have GC Services remove it from my credit report as a collections account. 

As of XX/XX/XXXX I contacted GC Services directly to request them to remove it from my report. They are refusing to remove it from my credit report as they claim that they attempted to contact me numerous times and always got voicemail and never a response by mail after mailing letters in a white unmarked envelop. 

As of XX/XX/XXXX I never got any notification from them and I never received any type of Certified/Signature mail to ensure receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: WA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} EQUIFAX : XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX COMMISSION ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  should not be reporting lates in XXXX and XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I contacted the lender and make specific arrangements for deferred payments due to my inability to pay during the Corona Virus Pandemic. I was assured by the representative that I spoke with that I would NOT be charged any lates and that no lates would be reported on my credit report. Unfortunately, they did not keep their word on our payment arrangement and reported the lates to the bureaus any way. This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have  contacted the bureaus to remove these however, I have not been successful.

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 2020-07-24
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a notice from the Collection Bureau of the Hudson Valley , Inc. ( " CBHV '' ) attempting to collect debt of {$1200.00} from " XXXX XXXX, '' on behalf of creditor XXXX, which, based on an internet search, appears to be a telecoms company based in the New York Tri-State area. 

I, obviously, am not " XXXX XXXX  '' ; I have never lived in the New York Tri-State area ; and I have never engaged in any transaction with XXXX. CBHV is attempting to collect a debt from me which is not mine. 

Upon receipt of the notice from CBHV on XX/XX/XXXX, I immediately mailed CBHV a letter stating that the debt does not belong to me, and demanding that they provide any supporting documentation supporting their claim or else cease their collections effort. I mailed that letter on XX/XX/2020 to the address listed in the notice I received ( XXXX XXXX XXXX, XXXX NY XXXX ). Admittedly, I made the mistake of mailing it through USPS standard mail instead of certified mail. 

Since mailing the demand letter to CBHV on XX/XX/XXXX, I have not received any response from CBHV -- they have not provided any supporting documentation proving that the debt is mine. 

Today, XX/XX/2020, I received notice from XXXX  that CBHV has filed a report of a collections action against my credit account. CBHV has failed to respond to my demand letter within 30 days and continued its collections action, both in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This will be my several attempts to get this issue solved i have asked XXXX to send validation of these debt they state i owed all they send it dates and amounts i have asked to send me orignal paper with my signature stating i signed these documents and have refused to to send how can you tell some one they owe money and there is no proof besides dates and amount ars is voilating my rights asking for validation once again please send me proper paper work

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 2019-04-01
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking account in Citibank on XXXX XXXX, 2018. The banker enrolled me in a promotion for {$200.00}. It said I can get {$200.00} if I deposited {$5000.00} in 30 days and keep it for 60 days. I made the deposit on XXXX XXXX and kept it until XXXX XXXX. It is 75 days. But I haven't received my promotion. I have contact with their customer service. They just kept asking me to send them my Form XXXX. And I have sent several times. But they never paid me the promotion.

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 2017-12-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.

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 2018-03-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account with Wells Fargo in their XXXX XXXX XXXX XXXX. The account was in good standing with no fees or dues over the last XXXX + years. Imagine my shock when I logged in to my account online to suddenly find that the account was closed. No reason was stated at all. I called their customer service and spent more than 30 minutes being tossed around between 3 different people, all of whom were clueless and unhelpful. Finally, I was told that the account was apparently closed because of a seeming lack of customer initiated transactions. They were unwilling to put this in writing anywhere. So, I don't think this is the actual reason. I have at least XXXX or more transactions every month including an automatic credit and an automatic payment. If they are not initiated by me ; who else did? Also, this requirement about ; customer initiated transactions ' was totally new to me. I was never told about this when I opened the account or subsequently ever. 

I am completely and utterly dissatisfied with Wells Fargo 's response. Basically, they are now saying that they have the right to close the account at any time for any reason or for no reason even. Well, I don't agree with this fundamentally. But also, this was not something that they told me at the time of opening the account or at any time since. I explicitly asked their representative at the time of opening the account if there were any conditions and this was definitely not mentioned at that time. If this was told to me then, I would not have opened the account with them at all. Also, the bank 's definition of what they call 'customer-initiated ' transactions is completely nonsense. They claim that any automatic transactions, whether debits or credits, initiated by me are not customer-initiated. Under whose definition. If I did not initiate these transactions, who did? Does CFPB agree with this definition? Is it legal? Under what law? Also, because of Well 's Fargo 's actions in closing the account suddenly, my automatic credit went missing and I received that only after 2 weeks delay causing me inconvenience and loss of funds. I want Wells Fargo to compensate me for that. If I had made a late payment to Wells fargo, they would have charged me outrageous rates of penalty and interest and fees. Well, now they need to compensate for delays caused due to their unjustified actions. Also, Wells ' Fargo 's representatives are thoroughly lacking in any norms of customer service or even basic understanding. I have had to spend many hours over email and phone with absolutely no use. I want Wells Fargo to issue a formal apology and compensate me of the hardship caused. I do not treat this issue as closed and want CFB to take stringent action against Wells Fargo

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 2019-04-01
Company: Lendmark Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The date was XX/XX/2019. And the loan amount ask for the vehicle was XXXX XXXX dollars and +.I inquired about the vehicle at XXXX XXXX in XXXX N C. I do bussiness with XXXX XXXX XXXX in XXXX NC . Instead XXXX call XXXX XXXX XXXX in XXXX N C. And XXXX specifically ask for a man name XXXX. I was handed the phone without the knowledge that it wasn't XXXX  XXXX XXXX in XXXX N C. I also did not authorize XXXX to contact Lendmark to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with TransUnion in particular and to lesser extent by XXXX and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to 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 2017-12-03
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I called Western Union for the first time about this issue. They told me they will conduct an investigation and would let me know within 14 days.

I called back on XX/XX/XXXX I was giving a case number : XXXX and told me that someone was going to call me. When they called they said that I was going to receive and email giving me a new track number and also I was asked if I want the money in the mail or to pick it up from the office, at that time I said in the mail, again I have to wait about 14 days. I did not heard from them. When I called back XX/XX/XXXX I was giving a new case number:XXXX and they say that someone was going to call me within 48 hours to give a new track number to pick up the money. I went to the office but the clerk called Western Union to get the new track number and they never picked up. I called again on XX/XX/XXXX spoke to XXXX and told him that if I did not get an straight answer I was going to file a complain, he promise that my check was going to be in the mail within the next 24 hours. Until today no word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Experian Information Solutions 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 contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Experian is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items 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 non-monetary relief
Consumer complaint received 2019-04-01
Company: EQUIFAX, 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 contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : XXXX is XXXXeporting the following fraud accounts : 1. XXXX XXXX  - XXXX XXXX XXXX 2.  XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX Equifax   is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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