BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company several times asking them to validate this debt they claim that I owe them. They have been unsuccessful at doing so all they keep sending me is old billing statements from a XXXX phone bill. I have done further research and found out that this company is not licensed to collect in the state of Tennessee, which is where I am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Money was transferred through www.TransferWise.com to a bank account that belongs to a fraud/scam. 
XXXX Euros on XX/XX/XXXX XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 XXXX Euros on XXXX XX/XX/2019 The fraud 's bank information : Name : XXXX.XXXX.XXXX.XXXX.XXXX Address, : XXXX XXXX XXXX : XXXX XXXX XXXX..XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Address : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX Swiftcode : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is an absolutely terrible company to deal with. I make payments of hundreds of dollars only to be called the next day to be told I still owe hundreds of more dollars on " other '' loans. I've setup payment plans that they have cancelled without my knowledge. Most recently, I just recieved a call stating that my loan is 100 days past due and that I owe them {$2500.00} immediately when I was under the impression that I had a payment plan in place. When I told them that I don't have that amount right this second, the man on the phone said " account noted '' and hung up on me. Really? This is how you treat people that pay your company huge chunks of their income? 

I've been consistent with my payments over the past decade but the way they have treated me over the past year is extremely frustrating and uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid online the total balance of my credit card. I paid this highest amount shown when I logged into their online system. The online site indicated what they termed the ACTUAL BALLANCE. I then closed the account. About a month later I received a small bill for additional interest. When I contacted Bank of America I was told the bill was for additional interest between when the statement was issued and when the card was closed. No where on their web site was this ever indicated. No indication was given that what was shown as the actual balance was not really the actual balance. It is a deliberate misleading way of generating additional interest for Bank of America. A consumer has no recourse but to pay because Bank of America will report the account as delinquent, damaging my credit since Credit Reporting Companies always default to the credit card issuer.

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 2020-12-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have a child support arrears balance that shows up on my experian credit report as a closed account and it is not closed. I make payments every week per the judges court order. It also shows up on my credut report as seriously past due date/assigned to an attorney, collection agency, or credit grantor & apos ; s internal collection department. It also said it is a term of 1 month. None of this is correct. I am ordered to pay an amount monthly by the court and I pay that amount monthly. This is not a loan and it has no term in reference to time. This doesn't even show that the balance is dropping because of weekly payments. It is a complete manipulation of the credit report system. I have asked experian to rectify this and they have not responded.

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 2017-11-29
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage fell behind due to loss of my job in XXXX XXXX. I was provided a settlement offer on XXXX XXXX in which I wired the amount requested to reinstate within the time they had given me noting that the next regular payment would be due in XXXX. The house went into foreclosure on XXXX XXXX XXXX the letter was dated XXXX XXXX XXXX and funds of {$2000.00} were requested via wire transfer by XXXX XXXX. The funds were wired on XXXX XXXX XXXX in the amount of {$2000.00} to Round Point Mortgage Servicing Corp.  They sat on the funds until XXXX/XXXX/XXXX when the wire was transferred back into my account. In XXXX of XXXX a letter was then sent stating they put the incorrect year and amount for the reinstatement. Since then I have spent months trying to get to get this loan through mitigation and a package complete. They mail letters that take XXXX days to arrive and in XXXX the sheriffs sale notice was served. I have called in every other day since XXXX trying to get a complete package for review. My initial application was submitted on XXXX/XXXX/XXXX to Roundpoint. I have spoken with at least XXXX different reps and only twice to the rep assigned to my loan. I am now hoping that they can complete their review in time to stop the sale on my house XXXX/XXXX/XXXX. I have been in my home since XXXX and never have I ever encountered a mortgage company that could not provide service quickly and accurately. Half the time I send email and only half of a 30 page pdf is received I have resorted to adding all of the folks I have talked to plus the mitigation email address on the submission in hopes that one of them will actually process all of the paperwork. You can not get management on the phone even if you request to talk with someone. I have gotten ONE returned call out of 8 requests. My mitigation package was noted as complete finally on XXXX/XXXX/XXXX after months of re submissions and letters of explanation or reapplication due to expiration of previous application. This has and still is an ongoing nightmare and as of today XXXX/XXXX/XXXX they can not tell me if I have been approved for anything and they can not guarantee that my home will not still be sold on XXXX/XXXX/XXXX. There is no escalation process for review and I have been told that on at least a dozen occasions now by the reps at RoundPoint. Due to the systems and process that they ( RoundPoint ) have in place I fear that I will lose my home on the XXXX of XXXX and have nowhere to turn for assistance other than an attorney at this late date. I have never had anyone take this long to review and approve loan information. This is deplorable and I feel that because there is equity in my home that I am not being pushed through because they stand to make more money on a sale than I currently owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt is from XXXX over five years ago. I faxed everything to XXXX5 years ago that I did not owe the {$600.00}. I fax a bank statements, receipts, and transaction numbers. XXXX sold This account I guess this year in 2022 and they have called me about this debt that I specifically do not owe. At this point it is fraudulent and action is going to be taken as this is affecting my credit and my life.

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 2019-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has been silently charging me a {$12.00} maintenance fee in my savings account since XX/XX/XXXX ( for a total of {$190.00} over the course of 16 months ), even though my " minimum daily balance '' was above the necessary {$1500.00}. The only time it dropped below {$1500.00} was in XX/XX/XXXX, and this drop below {$1500.00} was due to yet another maintenance fee. Note : to see this personal fee schedule for my account within the Bank of America online banking area, I sign in ... click on the affected savings account, navigate to " Information and Services '' then click on the link that says " view fee schedule. '' When I do this, a pdf called " personal fee schedule '' comes up on my computer. Then within this document, on page 4, the pdf clearly says that to avoid the {$12.00} maintenance fee, you can maintain a minimum daily balance of {$1500.00} in your account. WHICH I HAVE ALWAYS DONE. When I called to complain, they told me I needed to get my balance up above {$2500.00}! ( Even though my personal statement of fees CLEARLY says $ XXXX.So, I did this reluctantly ... and yet STILL they took out another {$12.00} fee in XX/XX/XXXX. I am so frustrated and feel so swindled. I want to close my account with Bank of America but am waiting ... in case you need me to keep it open to investigate this.

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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX account # XXXX 5.  XXXX XXXXXXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs Transunion XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX {$5500.00} XX/XX/17 This account is not mines my information was compromised this negative account is reflecting on credit reporting agency Experian

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 2018-03-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. 

On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. 

I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. 

On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. 

In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.

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 2017-11-29
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX will not update my account I 've called several times an was told dates about my account being updated my car was totaled on XXXX XXXX, XXXX. Today XXXX/XXXX/XXXX was suppose to be the day when the bureaus was suppose to be updated on my balance on my account gap insurance, primary insurance an warranty company have all paid amounts on vehicle. The XXXX insurance company paid XXXX issued XXXX/XXXX/XXXX payment was processed by XXXX. Gap insurance paid XXXX processed on XXXX/XXXX/XXXX. XXXX made a payment received by XXXX in the amount of XXXX an XXXX XXXX/XXXX/XXXX. Still have yet to see balance updates. Two of the payments I never received a email had to call in and make sure they had them and they did but I keep being told 5-7 business days to update to my account which has not been updated since XXXX XXXX. This is hindering me from getting another vehicle. The balance on the account is still showing XXXX which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
XXXX is playing with my score. 
I should not be penalized for using my card within the same cycle.

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 2019-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XX/XX/2019 my credit score went up to XXXX. Then on XX/XX/2019 it went down 4 points for using my vard. My total usage was 19 % and went to 25 % in the same month. I am being penalized for simply using my credit cards which I pay off at the end of my cycle. 
The prepaid card reports the XXXX The credit card reports the XXXX They each report twice a month. 
Then every 7 days sometimes 3 times a month my credit score is changed. 
CapitalOne is playing with my score. 
I should not be penalized for using my card within the same cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: SYNCHRONY FINANCIAL
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 was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2018 to XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2021-05-07
Company: Stevens Business Service, Inc.
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: Information belongs to someone else

Complaint:
Stevens Business Service is reporting an account under their own name on my credit report. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. They are in violation of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : XXXX XXXX ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( XXXX ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the original creditor I have contacted XXXX 's 3 times via certified mail and informed them of their illegal reporting. They have failed to remove their illegal listing. 

XX/XX/2021 I reached out to the Attorney General 's office. The AGO stated that a formal complaint should be filed with the CFPB for removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I submitted a letter to the three consumer reporting agencies over 45 days ago and I still have not received a reply back. I dont know if they have just ignored my request but I want this to be taken care of quickly. I'm on the process of getting my first home and this is keeping me from closing on this mortgage. I would hate to lose out on my American dream due to lack of response. I may not know much about certain things but I do know that the website states that I should have had some kind of response within 30days or it is supposed to be deleted. I need this to be done immediately becuase if I lose out on this house me and my daughter will have no place to live. So unless you want to provide me with housing and reimburse me for the money I may lose on this closing I would like my request to be processed or I will have to seek litigation for these companies not following the law.

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 2021-02-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. Contract callers attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX XXXX purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX XXXX needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.

Company response to consumer: Closed with explanation