BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: CITIBANK, N.A.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
CITIBNKN/A is reporting two student loan accounts that were sold to XXXX in XX/XX/XXXX. There are two accounts listed in the amounts of {$3200.00} and {$2300.00}, I confirmed with XXXX XXXX/XXXX on XX/XX/XXXX that they did indeed acquire the loans from Citibank and that Citibank should no longer be reporting these loans on my credit. I have left several messages between XX/XX/XXXX-XX/XX/XXXX at XXXX, which is supposedly there student loan hotline, and no one has called me back. So on XX/XX/XXXX I called Citibank 's general line at XXXX it was confirmed by a representative that I have no open loans or trade lines with 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 2018-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred {$1000.00} from my Bank of America savings account to a savings account at another bank. I was charged a {$3.00} transfer fee that was not listed anywhere on my schedule of fees for my account - I have a complete listing of fees and this should have been a zero-fee transaction. I called to complain and they told me this is just how they do things. I am very displeased with their lies and misrepresentations about their fees and think this practice needs to be stopped. I would also like my {$3.00} back.

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 2021-04-25
Company: Affiliate Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor Pendrick Capital Partners on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from XXXX XXXX XXXX is still showing on my XXXX  report in spite of all other collections from PCP being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Trident Asset Management is reporting on my credit report a collection account in the amount of {$2000.00}. When I asked them what this was about they said it was a XXXX land line open in XXXX at an address I was not living at. I have lived at my current address since XXXX. I also have the same open active wireless account with XXXX for many many years. It has always been in good standing. This collection is not mine and I want it removed. I have explained this to them many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: General Motors Financial Company, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We were reported as late payment when in fact we have more than enough funds with XXXX XXXX for which the check was drafted. We could not understand as to why our check was not funded by XXXX XXXX. I filed a complaint with XXXX also. For a fact that we are doing our best to abide to our loan obligation, we always pay more than the statement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BTH Management
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent out an Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a second notice, Notice of Default and Attempt to Cure, on XX/XX/2021. 

My rights under the FDCPA have been violated and this company has committed fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Accounts Receivable Inc.
State: OR
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:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have fixed rate mortgage with US Bank with principal and interest payment of XXXX per month. 
In XX/XX/XXXX, US Bank stopped accepting this payment as they did not apply the checks we sent. 
Apparently, US Bank decided that my payment should now be XXXX monthly and therefore did not accept this payment. 
They were billing me for escrow even though I always pay my own taxes and insurance. 
We have tried for the past year to get this rectified by working with US Bank directly. ( Note that this happened to us one year prior and we were able to resolve by dealing directly with US Bank ). There  were many phone conversations between my wife and US Bank over this past year where the situation was explained and they would tell us to send a payment XXXX for each month that was not applied and the problem would be resolved. We did many times send the agreed amount and US Bank would take the money and then post the amount back into our account 10 days later. I am attaching screenshot from my bank account which show the US Bank taking payment from our account and another attachment which shows them returning payment several days later. 
Most of the time, these payments were made as a result of phone conversations that my wife had with US Bank representatives and this was mutually agreed amount. 
In some cases, we did get some followup emails from the US Bank representatives which I will attach to this complaint. 
In the attachment fromXX/XX/XXXX - US Bank asked us to send a check for XXXX of which XXXX will be applied to the past mortgage ( principal & interest ) and there will be a refund of XXXX. As I write this complaint, we have still NOT received this refund. Furthermore, we received additional emails from US Bank stating that our loan is in foreclosure or loss mitigation - please see the attached email from XX/XX/XXXX. 
At this point, all we are interested in doing is paying off the mortgage and get out from this nightmare! We do not feel we should be held accountable for any late fees or penalties because we acted in good faith continually through this process. These practices by this institution seem very predatory and I can not believe they are legal? We have acted in good faith in trying to get this matter resolved directly with US Bank but this seems impossible. We are ready to borrow against my 401K to pay off the loan. 
This has caused an unbelievable amount of stress for me personally and my family of nine. My health is suffering because of this, I can not sleep at night and my wife and I argue consistently about this. We fear greatly that our home will be snatched from us by these practices instituted by US Bank. Please help us!

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 2018-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX ( one credit card ) and CapitalOne ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my CapitalOne credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: OH
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:
Consolidated student loans thru XXXX XXXXXXXX XXXX Employed by a federal Head Start grantee for 7 years. 
Enrolled in student loan forgiveness program sending employment verification signed by my employer that qualified me for the XXXX student loan forgiveness program. 
Never missed a payment in 7 years. 
Recently told there is no record of me in this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to file a complaint on XXXX XXXX XXXX and Pressler & Pressler XXXX and P & P garnished my wages and won't give me the details or information on the debt. 
On XX/XX/XXXX P & P gave orders to my work place to garnish my wages. 
On XX/XX/XXXX I send an object letter to the XXXX County Court. 
On XX/XX/XXXX I went to court and P & P did not show up they called on the court phone. I asked the court clerk why they did not show up and she said your lucky you got them on the phone. 
When I asked the court what this wage garnishment is the judge asked P & P and they said they said " dont have the details and can't give me any details ''. 
I asked the judge how do I know its mine and she said there is a court order and I said I never got a court order. 
The judge said I can't help you, I only have to follow the law. 
Its looks like P & P and XXXX are up to their old tricks again by not giving me any info on this old debt using flimsy and nonexisting evidence. 
XXXX and P & P violated the fair Debt Collection Practices Act : Made false or empty allegations about consumer debts : Filled against me without sufficient basis Filed lawsuits based on unreliable or false information : Dont have any details on the debt. 
Harassed consumers with unsubstantiated court filings : I did not get any court date when they filed the complaint against me and they won by default.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Shellpoint Partners, LLC
State: MA
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:
Good Morning, I have a Mortgage with Shellpoint Mortgage and I owe under {$4000.00}. I make Bi weekly payments that get automatically taken out .In the month of XXXX the way the payments fell I was going to have three payments taken out that month. I called Shellpoint and asked them to not take out the third payment in XXXX because I would have overpaid, and to continue in XXXX. What happened next was that unknown to me, Shellpoint had mistakenly removed me from the autopay all together and when I receive a letter stating that I was late with my payment. I called them and told them I was not late that I have automated bi weekly payments taken out. They advised me that for XXXX my payments were not deducted. I made a payment of XXXX on XX/XX/XXXX and a second payment on XX/XX/XXXX for the same amount and was told I was not reported to the credit bureau because my husband is very sick and they had documented that. I payments have been on time and i have been working very hard to have a Good Credit score. I am back on the bi-weekly and am not at fault of this misunderstanding. Even my husbands credit was affected and his credit was in the 800 's and now has dropped to the 700 's .This is very unfair, and after multiple call 's and getting different agents and stories I decided to get help here. They also lied that they tried calling me 4 times a day. Who does that? Please Help us we pay our bills and our Credit scores mean everything. Thank you so much for your time. XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: URS Holding, LLC
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
According to Alltran 's record, they received my student loans with a balance of {$38000.00}, from two consolidation student loans that I refinanced on XX/XX/XXXX for {$21000.00} and {$6900.00}, respectively ( although that is a dispute by itself ). They received this account in XX/XX/XXXX. So the defaulted loans were not paid from XX/XX/XXXX-XX/XX/XXXX ( 38 months ) by the time they received them. They both have a fixed interest rate of 5 %. No other fees were indicated prior to defaulting. So the total amount in fees, using a compound interest calculator with a 5 % charge would make the new balances for the loans {$8100.00} and {$25000.00}, or a total of {$33000.00}. In that contract, the fine print indicates that once it's defaulted, the collection company ( Alltran ) MAY add up to 18 % in fees for collection. Even if that was done according to the contract, that would be a total of {$6000.00}. The cumulative total would be {$39000.00}. This year, without any formal notice or anyone reaching out to discuss repayment options ( or without any bills or other correspondence ), Alltran garnished my tax return for {$8400.00}. If that was applied to the total balance, which is have reason to believe is completely inaccurate, that means my total debt would be {$31000.00}. The excess fees are not in the contract. The interest accrued and charges are not in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: GREAT LAKES
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Elan Financial is reporting and making attempts to collect on a debt not owed as this was discharged in bankruptcy

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2018-06-27
Company: Service Finance Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan with service finance company. The loan interest rate is for around 9 % but my payments are going mostly to interest at over 50 %. On some cases less than a dollar is going to the principal on a payment. I have called them several times about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX  funds in XX/XX/XXXX.

I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay 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 explanation
Consumer complaint received 2018-06-27
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wired money to our son who was on a summer student program in XXXX. Correctly completed the Western Union forms and they took the fees for the transfer. When my son showed up to pick up the money, Western Union would not release the funds as they claimed his name was incorrect. His name was correct ( and matched his passport ) - apparently the root problem was they wanted a middle name on the Western Union form, hence they required information at the pick up that was not required when they took the wire transfer ( and collected fees ). As my son was stranded, it took multiple calls to Western Union to revolve. They could have fixed their mistake, several different ways, but instead refused to correct the issue until we went through multiple steps, including a call back from a manger that never happened. I want to emphasis that we were not trying to change / modify the transaction, but rather wanted them to find a way to resolve their internal discrepancy. We tried two follow up phone calls with Western Union to discuss the problems and asked for a refund - all they could do was direct me to their website. If compounded the problem that their customer service personnel appeared to be poorly trained, lacked English language skills, and did not seem have any tools at their disposal to address our issue.

Company response to consumer: Closed with explanation