BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
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 sent an application in XX/XX/XXXX to apply for a loan discharge request application because I didnt have XXXX when I went to XXXX XXXX in XX/XX/XXXX. While they investigated it they put the loan in forbearance until XX/XX/XXXX and I have a letter stating that. In XXXX, I went online to reset up autopay payments because it got denied for discharge because they said I took an aptitude test that is equivalent to XXXX. In XXXX, online account with Navient said XXXX balance due loan paid off by XXXX. I called and they said the loan was sold XX/XX/XXXX to XXXX. I went round and round with both Navient and XXXX and now we got a letter in XXXX saying wages would be garnished so I called again. XXXX that has loan now says they bought loan, information they have is what they got, and unless Navient says otherwise they will garnish wages. Navient put our complaint into another investigation because they also show that loan was in forbearance per 3 of their representatives that we talked to confirmed loan is showing its in forbearance status. Yesterday we received letter from my employer that wages will be garnished as of next pay at 15 % each pay as ordered by XXXX. Other issue is balance with Navient was {$6600.00} and now with XXXX they are saying balance is {$8500.00}. Also, when I check XXXX  XXXX XXXX Aid website it says " Your enrollment status is NEVER ATTENDED, effective XX/XX/XXXX ''. 
I have all the paperwork documenting from XXXX through yesterday showing everything stated above and I do n't have anything from Navient informing us loan was in default, sold, or nothing. When I call they agree but said it has to be investigated as to why it was sold. As of last night, XX/XX/XXXX, they still have no answers and referred us to consumer advocacy agency. We have been paying on this loan for years now ( I believe since XX/XX/XXXX we have been paying {$110.00} a month and paid to date per their statement is {$11000.00} ). I have called 3 times today XX/XX/XXXX and left 2 messages for XXXX XXXX who is now handling my account and still no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage has continuously made several inaccurate changes and modifications to my account. Funds from escrow and even applying payments solely to interest and other areas. I want my loan serviced from another company. I have tried to get these problems resolved and they have even all often applied mortgage payments to other areas leaving money unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
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: Information belongs to someone else

Complaint:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Experian today XX/XX/XXXX because I received an email stating there was an update to my file. I explained to the Representative that a tradeline had been inaccurately deleted from my by them per the representative I spoke with 3 weeks ago. The first Representative today told me my creditor had the account deleted on XX/XX/XXXX after I stated that is false information because I spoke with the creditor who stated they received a Block notification from Experian on XX/XX/XXXX. The Representative then stated it was deleted due to the address the creditor was reporting that was reported as a fraudulent address which again was incorrect because I verified the address my creditor was and is reporting. The representative then stated my creditor is reporting the trade line but they are reporting it with an old address, I then asked why is it not showing on my credit report if it is reporting, he then stated my creditor needed to call and speak to their Experian Rep at XXXX. I asked to speak to a Supervisor or Manager and was put on hold for 50 min until I stated I could hear all the representatives in the background and his call time was increasing, so it would look better if he just hung up on me and he did. When I called back and got the next representative she again stated my creditor was having my credit blocked and I explained to her I spoke to the creditor again on XX/XX/XXXX who told me they sent the proof via email to them that they sent the block notification and the sent the reinsertion form to have the trade line put back on. I asked to speak to a supervisor or manager and was told they will tell you the same thing to send a reinsertion form. I asked again to speak to the manager or supervisor and was told to hold I would be transferred to him and I was sent to the voice mail of XXXX XXXX because he did not answer the phone. I sent my letter stating the accounts were not fraud as I was instructed by the first representative 3 weeks ago and the creditor has sent a reinsertion form with proof of their mistake to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19, I received a letter from this debt collector about a bill that is not mine. My wife called the company and gave account number and name of the collection notice and representative for debt collector asked for my last 4 digits of my social and she refused ; stating that she had already verified by supplying account number and name. The representative stated he needed his social security number, he refused to look up account number. I do not owe this debt and believe it is fraud. I have no knowledge of this account nor never received any bills from this company.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I called TransUnion today ( X/XX/17 ) to place an initial 90 day fraud alert on my credit. Many people are taking advantage of this service following the recent XXXX hacks, and many more should be. This fraud alert is a free service that notifies you when someone tries to pull your credit info anytime in the next 90 days. The credit reporting service you call is apparently legally required to offer this and make sure that the other two services follow suit.
Before you have the option to actually have your fraud alert set up, you need to decline two detailed pitches for their premier $ XXXX/mo credit monitoring service. This premier service they are describing sounds a XXXX of a lot like the free service they know you are calling about. The difference between these services was obvious to me but it may not be obvious to others, especially if they are panicked trying to protect their information. I understand a company exists to make money, but this is n't your typical company- these people control your most important, valuable and private information and you have no say in the matter. After a huge data breach from XXXX, these guys are trying to hawk some premier paid service to people who are taking proactive steps to protect their information before this happens again to the other two services. It may not be illegal but in my opinion it 's shady and blurs the line between service and profit. I would like to see TransUnion offering this service elsewhere, not as a roadblock in front of this critical free service needed to protect your identity.

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 2017-09-15
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
DATE : XX/XX/XXXX COMPANY : MONEYGRAM AMOUNT : XXXX DLLS.
REFERENCE NUMBER : XXXX ORDER NUMBER : XXXX I DECLARE THAT THIS SEND IS CANCELED SINCE XX/XX/XXXX AND I HAVE BEEN PERSONALLY PRESENTED TO REQUEST THE RETURN OF MY MONEY IN 5 OCCASIONS IN THE OFFICE WHERE I DID MY TRANSACTION.
I HAVE ALSO SPOKEN MULTIPLE OCCASIONS AT XXXX, THE ONLY TELEPHONE WHICH HAVE WHERE THEY SHOULD RESOLVE MY SITUATION WITH RESPECT FOR THE RETURN OF MY MONEY AND ONLY PROMISE ME SAYING THAT IN THE FOLLOWING 24 OR 48 HOURS I WILL OBTAIN IT.
HOWEVER, THE SAME ANSWER HAS ALREADY TOLD ME SOMETIMES AND THEY HAVE NOT RESOLVED ME WITH RESPECT TO THE RETURN OF MY MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Citibank N.A, Best Buy Credit Card accessed my credit report without any consent from me. When I called and attempted to fix teh issue by advising the company that the inquiry was done without any authorization. The company seemed confused and said they had no record of the credit request despite it being on my credit report. When requested that they withdraw the unauthorized request they acted confused and disorganized. This request was fraudulent and done without any authorization and needs to be removed. A large bank should know better than to request credit without authorization and should have a means to correct their mistakes.

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 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that I have been disputing since XX/XX/2020 and nothing has been done no one is helping me the bureaus are completely ignoring my letters and my calls. I am getting tired of this and the run around I have opened up an FTC I have been contacting the bureaus and sending letters and I feel like they are not even looking at my letters or care. I need this taken care of since it is causing me great grief and problems in the family. These accounts are not mine and I dont know how else to say this. 
XXXX XXXX, XXXX. - Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$3900.00}

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 2021-02-10
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account : National Credit System # XXXX I'm unware of this debt and did not have the opportunity to dispute. If the collector is stating the provide the notification, please send the receipt of CERTFIED MAIL that should have been received. 

Also, please provide the VALIDATION OF DEBT and METHOF OF VERIFICATION. 

Please remove this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Lending Club Corp
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: Information belongs to someone else

Complaint:
I was a victim of identity theft and as a result several account have been reporting in my credit report i have try resolving this matter directly with the company providing then documentation of these fraudulent account XXXX XXXX XXXX # XXXX 
LENDING CLUB CORP # XXXX XX LENDCLUB XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Professional Debt Mediation, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that my credit score took a XXXX point hit. I called XXXX and they said that it was put on by PDM debt mediation. I do not know who PDM is or why they are trying to collect a debt. I have received no information, notifications, or correspondence from them. I believe this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Navient Solutions, LLC.
State: NJ
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 completed the repayment of my loan via monthly payments in XXXX. In XXXX, I was contacted via email that there was still a small amount due as a final payment, I paid ~ {$40.00} dollars and received a letter that my debt was repaid. 

In XXXX, Navient contacted me claiming that I owed ~ {$2100.00}. I advised them that I had repaid the loan in XXXX and sent a copy of the letter. They called me again and they could not match the account closure letter to the final payment. 

The customer service person advised me it was my responsibility to provide proof. I again sent the letter. Another contact, and " maybe this is for a different loan '', but I only had one loan. I again sent a copy of the letter to a manager via email while on the call. He acknowledged that he could see the monthly payments, and the final payment in XXXX, but there were no details in the system to confirm that I closed the account. 

The loan has now moved around to three other servicers. They contact me, I send the letter. No contact for 3 months, then another servicer contacts me. I send the letter again. Next servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Capital Accounts, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report to find that this company, Capitol Accounts LLC, had placed a collections on my report in the amount of {$350.00} for a creditor named XXXX XXXX. I have no knowledge of this debt that shows it was opened on XX/XX/2018. Nor do I have any knowledge of a company called XXXX XXXX, The only thing I could find on XXXX XXXX XXXX was a law firm in XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from I C SYSTEM INC stating I owe XXXX. I contacted XXXX   about it and was promised they will notify I C SYSTEM INC to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score

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 2019-02-28
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX  XXXX XXXX   was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: LA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My perception is that the M & T XXXX XXXX XXXX XXXX Bank at XXXX XXXX XXXX XXXX, DC, XXXX, is engaging in an illegal practice of charging an unauthorized fee to customer checking accounts. I opened an account with this bank XX/XX/2019, and specifically stated that I did not want checks. On XX/XX/XXXX, when reviewing my account on-line, I saw that on XX/XX/XXXX M & T had charged my account for {$16.00} for unauthorized checks. Not only was the charge not authorized, the deduction from my account invalidated a promotion to keep the account balance at a specific dollar amount. 

I asked to speak to a manager and was told he was unavailable. So I went to the branch XX/XX/XXXX to speak to the Branch Manager, XXXX XXXX XXXX. Mr. XXXX had no explanation as to why the charge was put on my account, nor why the charge appear almost a month later when it might not be noticed by the average consumer. Although he did reverse the charge, he could not guarantee that I will not face a new problem when the promotion comes due XXXX. 

I also called M & T 's corporate customer service, XXXX, and was stone-walled. The supervisor to whom I spoke, XXXX ID # XXXX, refused to escalate my concern to the manager level, refused to leave a message for a manager to return my call, and refused to accurately record my complaint/concern by omitting my comment that he would not pass on this concern to a higher level.

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 2021-01-22
Company: U.S. BANCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got my unemployment pay on a US Bank Relia Card debit card from Texas Workforce Commission and set up my online access to the card and about two weeks after getting the card set up I was going to buy a truculent with the funds, well I go to the ATM to withdraw the money and the ATM told me wrong Pin Code so I tried again same thing wrong pin so I grab my phone at the ATM try to log into the app for US Bank Relia Card and the app tells me wrong Username and password so I knew my account had been hacked because I did not change my username or password do I called US Bank Relia Card standing rite there at the ATM had them lock my account rite then they started asking me about some transactions and I told them the transactions that wasnt mine and we proceeded with the dispute well they send me the dispute papers for me to sign and return I got them about 10 days later I signed them and returned them while calling Relia Card almost Daily Collecting Information and they tell me the transactions the dates and type of transactions and tell me a email address to the person who did this and even proceed to tell me how whoever has put in an address change and I tell them that isnt me I did not put in for a address change so they have me send my Id to be verified so I sent the Id numerous times bc they would claim they did not get it or I was given the wrong fax number even by a supervisor so this hold on my card started XXXX XXXX and as of today XX/XX/2021 my card is still locked due to my card having more money taken from it again the first time it was two transactions for XXXX each totaling XXXX dollars the second time it was XXXX transactions totaling XXXX dollars for a grand total of XXXX XXXX XXXX XXXX XXXX Dollars and just to be told again they did not see any foul play in my account when I was on the phone with a representative from US Bank Relia Card on XXXX XXXX and he was the one told me that money was being removed from my account rite now while we was on the phone but yet they tell me they did not see any foul play in my account I believe this US Bank Relia Card should be Responsible for replacing all of my money that was done by bank transfer because if you trace the bank accounts you will come to find out that is not me and I feel that Relia Card did not do any investigation at all in my case do they do not have to pay the money back so if someone can look into this further for me I would appreciate it a lot.

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