BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA Federal Savings Bank is illegally withholding access to my accounts and forcing me to answer survey questions in order to have access to my accounts. These questions include privacy-violating questions such as total net worth, annual income, foreign associations, etc ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
( 1 ) late mortgage payments 30 days and ( 2 ) 60 days on my credit report This payment was mailed and there was a delay in the mail. Check never made it due to Covid and the USPS. 
Once alerted by my credit report we contacted the mortgage company immediately. 
During our call to Fifth Third we paid that payment and explained the situation. 
All payments were made automatically via ACH after We need our credit cleared. 

We have never been late in our entire life. 
This is critical to our financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX my XXXX doctor sent a referral to my XXXX to schedule two Free XXXX for me. One was an XXXX as follow up to a diagnosis I had earlier that year when I XXXX a XXXX XXXX  XXXX XXXX called XXXX. Due to my inability to tolerate almost all antibiotics, the standard regimen to treat that condition could not be used so my XXXX had to try another method with the hope that it would work. At the end of that treatment which was 14 days, they had to do a post test followed by the XXXX to be sure there were not adverse damage to my XXXX XXXX. The Second was my 5 year XXXX all of which was authorized and covered by my insurance 100 % Both procedures were completed at the same time in XXXX of XXXX. Shortly after I received a bill from the Facility where the procedure was done so I took it to my XXXX XXXX XXXX XXXX office and gave it to his office Manager XXXX. She called over to the billing office and made them aware that I should not have received a bill because both procedures were screenings and there should be no charge. I was sitting in her office when she made the call, she said its taken care of and I am good to go. Around XX/XX/2014 I received a letter from Fox collection stating I owe this bill. I told then no and that the billing office was made aware that the screenings were free. Fox collection reported me to the credit bureau. I have tried to dispute it several times but they refuse to remove it from my record. I recently went back to my XXXX  office and they gave me a copy of the order for me to send with this complaint. They also stated that if this does not work I should return and they would contact the billing people again to try and resolve it. Attached is a copy of what my doctor gave me to send with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I feel my consumer rights are being abused with high interest rates and the creditor not furnishing the original bill so that I can see what I'm being billed for an what the original bill/contract stated the maximum interest I can be charged. 

In 2008 I went to XXXX Hospital, which third party billed to XXXX XXXX XXXX, then to an attorney that I feel has bought the medical bill and charged me {$4600.00} on an {$750.00} bill. The attorney has informed us they are representing XXXX XXXX but I feel they have bought this bill and charged me not only a lot of interest but filing fees and attorney fees on top of the original bill. 

My checking and Savings have been garnished and frozen in regards to this.I have called XXXX hospital, XXXX XXXX, the attorney and I've gone to the court house ( per the attorneys direction ) to get the original bill/contract that I signed to see why I'm being charged so much in interest and how do they know what to charge if they don't have the original bill or contract? Nobody has the original contract so I feel it is my right as a consumer to see this original bill or contract. How does this attorney know how much to charge me if they don't have the original bill or contract? 

I hope that by reporting this to the CFPB, you can help me obtain this original bill or contract to see if I am being billed within my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
Applied online In late XXXX ( date? ) Denied loan due to an unknown credit issue on credit report ( Co-borrower ) Resolved credit issue XX/XX/XXXX Gave XXXX tax returns since XXXX was on extension Appealed for XXXX student loan on XX/XX/XXXX I was contacted to give them XXXX W-2 's on XX/XX/XXXX Sent them XXXX W-2 's on XX/XX/XXXX. 
I was contacted on XX/XX/XXXX (? ) saying W-2 was not in the right format ( as issued by IRS ). To send them original W-2. 
Sent them original XXXX W-2 on XX/XX/XXXX. 
I was contacted by email on XX/XX/XXXX, asking for new information : additional pay stub for XXXX ( I get paid monthly, so I had to wait until end of XXXX. Not sure why this was necessary ), record of tax extension, and additional letter from account holder for credit issue saying it was resolved ( sent hardcopy in original application/appeal? ). 
I did not see the email ( my fault, but I get a lot of spam ). They say I received a voicemail on my phone on the XXXX, which I did not receive ( no record on phone of call or voicemail ). 
They contacted my Daughter ( borrower ) to let me know the issue was open. 
I sent information on XX/XX/XXXX. 
I called on XX/XX/XXXX to see status. They say they did not receive email. I received return email from them on the XXXX, acknowledging ( automated ) receipt. 
They told me they would likely deny me the loan due to their policy of closing requests after 60 days. 
I have called them a few times in the process. They often don't know what I sent them and often asked me for items they already had. More of a sign of problems there, just annoying, but likely a sign of unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Navient Solutions, LLC.
State: CT
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:
Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

NAVIENT is a creditor as defined by 15 USC 1692a ( 4 ). 

NAVIENT alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

NAVIENT is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account sinceXX/XX/XXXXand XX/XX/XXXX 

NAVIENT has failed to supply any record of payment under the original creditor SALLIE MAE as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -NAVIENT in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-NAVIENT in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- NAVIENT has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: 1st Franklin Financial Corporation
State: AL
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:
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 1ST FRANKLIN XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2019-03-19
Company: JPMORGAN CHASE & CO.
State: NM
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:
Hi, Two weeks ago, I reported an account that does not belong to me to Chase, and the FTC identitytheft.gov report for the amount of about {$2400.00} dollars. This account is fraudulent, and Chase has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The week of XX/XX/XXXX Right when the Covid-19 Pandemic hit I was told by American Express my existing remaining available credit which was around {$8000.00} was being reduced to XXXX unless I paid {$3500.00} in 3 weeks. 

Now I have been with American Express for over 3 years, Ive never had a late payment, over the limit, or anything that would negatively effect by standing with American Express. In the middle of a world-wide crisis they abandon me when I needed them the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this 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 2020-10-10
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 a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with TransUnion and XXXX  and disputed these fraudulent items four various time. For some odd reason, TransUnion and XXXX  will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX/XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : 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 2018-10-12
Company: D&A Services, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
D and A Services is trying to collect a debt for XXXX XXXX that is disputed because XXXX XXXX has done to me what they did to other consumers ( Something CFPB knows about since they filed a lawsuit in XX/XX/2015 and received {>= $1,000,000} from XXXX XXXX ). 
The debt is in dispute and is not substantiated by anything other than XXXX 's dubious word ( again we know it is dubious because the XXXX CFPB filed a suit against XXXX XXXX in XX/XX/2015 and received {>= $1,000,000} from them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Clarity Services
State: PA
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:
Clarity Services INC continues to furnish an unauthorized inquiry on my credit report dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... XXXX add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX   XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX  XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX  XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX  XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX  XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX  XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought a home in XXXX and the loan was provided by Flagstar Bank. Since then, a pattern has emerged whereby we receive an annual " Escrow Analysis '' which, for the last two years, they have claimed an " escrow shortage ''. The shortage this year, is more than double what it was the first year. They claim it is due to property tax increases, however, we checked with our county tax assessor 's office and nothing has been sent to Flagstar regarding property taxes, hence, Flagstar would have no knowledge of any upcoming tax changes. When we call Flagstar, we're given some complicated explanations that still do not explain why we're having to give them money for a shortfall. 

If there is indeed a shortfall, then they obviously do not know how to cover an account adequately. Consumers should not have to worry about receiving a bill each year that they may not be able to pay, and therefore lose their home because of that inability to pay. 

In more than 30 years of having a mortgage, we have not encountered this situation with any other lender we've been involved with. We've read other consumer accounts of this same situation with Flagstar Bank on complaint websites, so we know it's not just us. Something with this bank is obviously wrong.

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 2021-08-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit report. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I have sent several attempts to have the collection agency to validate the debt. The agency has failed to provide the correct documents in order to validate the debt. Letters were sent on XX/XX/2021, XX/XX/2021, XX/XX/2021. And I am not receiving the information requested. Only the same letters stating " This is an attempt to collect a debt ''

Company response to consumer: Closed with explanation