BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I stopped using my credit card since XXXX 2017  and paid off all the balance due. I have tried not to use it because of the interest charges was too much for me, even though i have checking and savings account with the company and always check the account online with my phone, what is strange is anytime i open the account i only sees  the checking and savings only without seeing the credit card account. Last month in XXXX i was checking my checking account and i saw there was a transfer of XXXX from my checking account to credit card account immediately i call the bank but they asking for some codeword that i couldn't remember so they couldn't resolve the issue they required i should  go to their branch to  reset the codeword, the branch was far from where i leave about XXXX mile from me so i couldn't go and decide to found time to go later.  About XXXX weeks ago   I went online again on desktop computer  to print out my statement to support my social security document they ask me to bring, when i get in the account i realized there is amount due of XXXX for credit card so i was what i don't even use this credit card anymore for the pass XXXX month how come do i own them so i click on it and notice there are some transactions that i have no idea about i kept scrolling down and noticed somebody been using credit card for the pass XXXX month from XXXX 2017. So i called the bank and they said i should go online and freeze the account which i did . The next day i drove abut XXXX miles to one of their branch and reported the case and they closed all of my account and opened a new one for me. But ask me to go for police report since the fraudulent been using my navy checking account to make payment for the credit card and even the transaction is more than XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had persistent problems obtaining a deferment from Wells Fargo despite submitting all documentation as required months ago. Following a CFPB complaint, I had a telephone conversation with a Wells Fargo representative on XXXX XXXX, XXXX, who assured me that I would receive a response for my deferment request within XXXX business days. XXXX business days have since passed, and I have not received any response.

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 2022-04-27
Company: PNC Bank N.A.
State: NC
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:
In XXXX, 2022, I notified PNC XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that PNC had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, PNC cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the PNC call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from PNC and an independent collection agency. I also received a notice from PNC that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called PNC to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a PNC branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 PNC late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from PNC. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the PNC XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of PNC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was full time in college for four years 3 and a half hours away from home and was not working because I was in school full time. I got the loans through XXXX XXXX in which two of them were then turned over to Navient (I had no idea). All of a suddent, I randomly started being harrased via telephone stating I had to pay X amount of money OR ELSE. This happened about twice a day for maybe 3-4 months. They would call asking for my credit card information which I never gave because they never sent me anything via mail as requested before I just went and gave out my credit card info. Eventually, I received a letter from an asset management stating my 2 loans totaling close to $XXXX were WRITTEN OFF and my credit became a XXXX. I never started to build credit and when I went to go get a car loan was denied because of the charged off loans. I am now XXXX years old and can not get a car or an apartment because of my student loan WRITE OFF. Obviously I would have paid the payments six months after graduation as that is what I signed up to do. I try to contact Navient because the Department of Education is stating they have my loans and after waiting for almsot half an hour EVERYTIME to speak to someone at Navient, they say they have no record of anything for me. I even just received an email from Navient on XX/XX/2017 seeking payment but when I call they have no information. I do not know where to turn or how to get help. I feel so lost due to this issue and literally can not even move out or get a working car because of this. SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2017. It was a bill for medical care in Florida for someone with the same last name but different first name. I called the medical group listed and confirmed that the bill was for an XXXX year old child in Florida. I am XXXX and live in California. The medical group said that they had not provided my name or address to the debt collection agency.
When I called the debt collector and explained to them that this was not my bill they first told me to 'just return the bill '. I 'm not sure how you return a bill. I was also very concerned that this would negatively impact my credit score.
I pushed further and the person on the phone supposedly went to talk to a supervisor. After about a minute she came back on telling me to ignore the bill.
This is either a scam or a very poorly run business. I 'm still concerned that this will impact my credit score. The company provided no information on how they got my address or 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 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019

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 2017-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2015 I lost my job 3 days after my first mortgage loan payment on XX/XX/XXXX. I spent 8 months without a job and early XX/XX/XXXX I fell behind on my loan payments.  As a result, my original loan was refinanced and payments under the new loan started on XX/XX/XXXX The XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX were applied to the old loan. By XX/XX/XXXX XX/XX/XXXX according to Penny Mac records I was 2 months behind. Issue solved and registered for auto-draft. Ever since then, every month I have to call because they draft the money from my account but for some reason they put it on hold and the money never gets deducted from my account unless I call and curse and swear to somebody. Today I received a call that I didn't pay XX/XX/XXXX XX/XX/XXXX. I'm pretty sure I called onXX/XX/XXXXto check on my account. Same thing... lady told me money was drafted and put on hold. But the person that called me today says the money was applied to XX/XX/XXXX and not XX/XX/XXXX. I have talked to collection agents, supervisors, they transfer me to a complaint division of some sorts... and everyone promises to fix the problem and it's been already a yr and problem hasn't been solved. I think that the money they had put on hold for XX/XX/XXXX was applied to XX/XX/XXXX instead. I'm pretty sure that I called on XX/XX/XXXX to check on the status for XX/XX/XXXX payment... and still, they messed it up. Don't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I called every number for reliacard listen and nobody answers or when i do get ahold of someone they tell me they cant help me or tell me anything. I have a XXXX  and another one on the way and have recieved 3 payments from unemployment in ohio and after the approval and all those weeks filed and paid i still have no card from them and still no answers and my bills are still there needing paid and a family that needs to eat and live. I have tried finding an email to contact them but requires an account i just want answers to where my card is so i can access the funds that are on there so i can feed my family

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 2021-04-22
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX-Speedy Cash have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-27
Company: Experian Information Solutions 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

I noticed this problem on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in a bankruptcy in XXXX, we paid off in XXXX, XXXX failed to pay 6 months of payments to SPS so we have tried to work with them to modify the loan for the past two years. The only modification they would offer to catch up the {$2400.00} was to double the amount of payments owed and take the amount we owed from {$18000.00} to {$34000.00}, doubling what we owe. They have held us XXXX with the preditory lending by only offering this modification ( 3 times ), in order to catch up these payments was to agree to double what we owed them. We have spoken with several of our relation ship managers who have told us to just offer them something since they wrote off this loan when it was dismissed in the Chapter XXXX. Is it legal for them to collect on a loan that they have written off to the IRS? 

We were in the process of trying to refinance and SPS told me that they wo9uold never let us out of the loan and that is what they did. Our refi was denied in underwriting due to SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: BARCLAYS BANK DELAWARE
State: VA
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:
These companies are being showed on my credit report when I have not inquired about anything from them. How do I get them off. The XXXX XXXX and XXXX has been there since XXXX XXXX and the others have been there since XXXX XXXX. I do n't know where they are coming from. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX, DE XXXX ( 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 2017-09-27
Company: CITIBANK, N.A.
State: MD
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 Purpose : Please give me my interest XXXX points. 

My PREFERRED credit card was closed on XX/XX/XXXX by Citibank, but my interest was XXXX points after negotiations they refused to give me, now asking CFPB to help solve. 

I 'm sorry I do not speak XXXX too, I need XXXX help Above from : 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 2020-04-23
Company: EQUIFAX, 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:
I was using a XXXX  XXXX  XXXX  at XXXX  to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX  Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. 

When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from XXXX  for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called XXXX  on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two. She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by XXXX. She told me again that it would take 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: National Credit Systems,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: Account status incorrect

Complaint:
National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TDF Financial Services, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I deposited the refundable amount of {$20000.00} for a surety bond with TDF financial services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone # XXXX, XXXX and XXXX On XX/XX/XXXX I received a letter saying that the business shut down, That my surety bond was canceled effective XX/XX/XXXX And that the cancellation would be effective 30 days after that, and then that I should wait 60 days for them to issue my refund. They stopped answering the phone and emails : On XX/XX/XXXX I got a hold of XXXX and she told me that they were still in the process of shutting down that they only had three people working and that was the reason it was taking too long that they would be sending letters with any new information. 
On XX/XX/XXXX they sent me another letter apologizing for the delayed response. They said that their team was limited to three members working as fast as possible to get the information out that I should have information coming out by the end of XXXX, another month went by, I kept trying to call XXXX but she never returned my calls, I sent many emails and finally on XX/XX/XXXX I received a letter from them are telling me that they are insolvent and have insufficient funds to refund the XXXX trusts :

Company response to consumer: Untimely response
Consumer complaint received 2020-10-08
Company: MEDCAH, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/20 A message was left on a co-workers phone stating to call a debt collector. When he called them back. medcah, Inc provided all of my information of my medical bills owed and electric bill owed but was paid off. XXXX tried to collect the debt by asking for a credit card payment. Im not sure how XXXX got his phone number because she has my phone number. I spoke with her two weeks ago regarding the amount she mentioned and requested a list of all account numbers so I can verify  these are in fact my bills. I never received a letter from Medcah. This has caused me major stress and anxiety. I am embarrassed that XXXX provided someone who has nothing to do with my bills all my personal information.

Company response to consumer: Closed with explanation