BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I began an income-driven repayment payment plan with NAVIENT 4 months ago and they gave me 2 separate accounts with the same account number. I send 2 separate money orders each month with 2 separate payment stubs. Every month I receive a bill stating that one account is current and the other is late and I am being charged late fees. I have called NAVIENT and faxed copies of proof of payment ... to no avail. I explained that I was not going to continue to keep sending them payments when they couldn't account for them and they advised against it. This is utterly ridiculous. I need outside assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I send a request demanding debt validation to Portfolio Recovery Associates on XX/XX/XXXX certified with return receipt.

For the amount {$1400.00} They send a verification letter on XX/XX/XXXX The letter had no other supporting documents. Called and spoke to XXXX XXXX and get manager. They told me they did not have any documents and were not required to provide them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm writing this letter in a 3rd attempt to inform you my identification has been fraudulently compromise. throughout the years. There have been many accounts opened under my name, that Ive confirmed and reported as identity theft. Please remove this fraudulently account immediately ; that has been fraudulently compromised : Bankruptcy : Dismissed CH-XXXX XX/XX/2013 - XXXX US DIST CT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Collection Bureau of America Ltd.
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: Old information reappears or never goes away

Complaint:
In XXXX CBA COLLECTION BUREA, having its address at XXXX XXXX XXXX XXXX, California, reported a negative collection item to all three major credit agencies ( please see attached ). I disputed this item in XXXX and it was removed from all the known agencies. 

In XXXX this year i have discovered that the item was reinserted to my XXXX credit report ( but to none of the others to my best knowledge ). I was advised that the credit bureau should have notified me within 5 days of reinserting the deleted item, but they haven't done so. Furthermore, I believe that I am being treated unfairly by the bureau. I am now forced to go through the disputing process all over again, including the expensive costs of the process as well as the enormous time i need to put into this. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are currently reporting a {$790.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I use Barclay Card and went to use my app and they had said I needed to call XXXX for Service, not sure why no notice or email. I called this number two phones at a time and set on hold for longer then 45 minutes 6 times and nothing still. I finally called another number to get my payment paid but he said I had to talk to customer service before my online would be active, he transferred me, and then disconnected me instead. i am still currently on hold for another 25 minutes and counting and nothing still. This is complete waste of time for a working individual. Credit Card Companies should be ashamed of themselves for this kind of service.

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2018-11-27
Company: ERC
State: TX
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:
A personal loan, and credit card, and a XXXX XXXX  account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited my XXXX XXXX Check of XXXX $ to my Bank of america account. 
The money was debited very next day from my XXXX account and they confirmed there is no issue on their part and check has processed. 
But, BOA put a hold on the fund for 7 business days ( 9 days in total )! So, basically my own money is not available for access anywhere! 
My BOA checking account is actively used since last 13 years and is in very good standing. I was not give any reason why check is on hold for so many days when money has been already debited from the originating account. Is BOA earning interest on my money elsewhere while restricting my fund completely? ( XXXX dollar available after 4 days of deposit ). This should be completely ILLEGAL and banks are getting free pass for indulging in such UNETHICAL practices! 
That money was supposed to go for my mortgage principal payment and 9 days of delay means, I will be overpaying XXXX $ of interest. Is BOA going to pay me for holding the fund without giving any reason?

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 2018-11-27
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on  numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.

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 2018-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
For some reason my XXXX XXXX XXXX and my XXXX cards thats in good standings is not reporting on my report my husband added me on to his account and XXXX, Equfax and XXXX XXXX is not reporting both cards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WELLS FARGO & COMPANY
State: NC
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:
I filed bankruptcy in XXXX, but my FHA loan with Wells Fargo was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to Wells Fargo to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a Wells Fargo Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent Wells Fargo the closing statement from when the property was sold and copies of my credit report showing the change.

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 2021-06-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was flooded by Hurricane Florence and our Flood insurance company sent us a check in our names and the mortgage company Nationstar Mortgage d/b/a as Mr Cooper.

I registered my disaster claim with Mr Cooper on XX/XX/XXXX and received a Tracking number and information. 

I have been asking questions for more accountability and transparency of them for how my claim check is going to be handled, such as : XX/XX/XXXX Why is my claim monitored diffently then my flood Matthew disaster? I was told Fema guidelines and because of the amount of my check. Is my money going to be placed in a interest bearing acct.. I was told no. Later I am told yes. Every time I call the special disaster relief number I speak with a different person and receive conflicting information from before or new information that gives me a little bit of the BIG picture of how and where is my money being held. No accountability to me how they are governing my check and Not fully being transparent to me what I have to do to have some of my money sent to me for needed repairs as well as reimbursement of our out of pocket expenses. 

I have been asking basically the same questions over and over again and have requested this information be put in writing to me. As of this time and date I still have not received this information. 
I have been told it is on the website. Just need to register and I can read it there. NO it is not on : XXXX So I call back again, I am told I can find the information on MrCooper.com. NO its not there either.

I can go on and on how I get the run around from Mr Cooper servicing department.

# 1 When I send this claim check in I want to know who and where my money is being held. This money is not a payment and not escrow money.

# 2 How is the money held? Trust acct? Escrow Names on acct etc?

# 3 insured?

# 4 Can we do self contracting? What are guide lines? And Hire Contractors too!

I have been asking these questions and have asked it be put in writing and as of this date have not been given or received requested information.

This is our home. We have had an Excellent mortgage history on this loan before Mr Cooper took over and since he took over. We repaired our home after the XXXX Hurricane Matthew flood. We have continued to improve our home and will do the same to repair and improve our home after this Hurricane Florence disaster.

I feel we and any consumer deserve more respect than what I have received from Mr Cooper and full transparency and accountability for this insurance money they want to hold. Today is XX/XX/XXXX.. They have had long enough time to honor my request so we can move forward to repairing our home. They have left me in limbo long enough. I request your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and associated XXXX. I've told them over and over that I had 2 insurances.Ive disputed it over a year and if they go back they would see that I was covered by XXXX XXXX and XXXX XXXX and XXXX so I know there should not be a balance but they still have it on my credit report and I've asked them to remove it more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TransWorld Systems , Inc. calls with the call back # of XXXX. Name is XXXX XXXX XXXX. They go through different numbers & don't leave messages, scaredy-cats! I've blocked but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX/XXXX  XXXX, CREDIT COLLECTION SERVIC XXXX, XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX XXXX, US DEPT OF ED/XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Opened XX/XX/2013Amount XXXX Account balance XXXX account paid XXXX balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my Equifax report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold XXXX XX/XX/XXXX XXXX until a change on my credit report XXXX of this year. It shows on my XXXX  report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

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 2018-11-27
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX XXXX continued to take automatic payments from my bank account but reported 4 payments as late incorrectly.This is false reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation