BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: IN
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:
InXX/XX/XXXX, I scheduled an extra payment to loan XXXX on the due date and asked not to forward the next due date and to have the next month be due on schedule. MyXX/XX/XXXX auto payment was made and only the interest was paid ( {$3.00} ) and the amount that should have gone to principal ( $ XXXX= {$23.00} ) was distributed as extra payments to the rest of the loans in my account. I emailed requesting my payment be reapplied correctly on XX/XX/XXXX ( as soon as I saw how my XX/XX/XXXX payment was applied ).

The response I received to my Navient inbox on XX/XX/XXXX about reapplying the payment correctly, they determined that XXXX was not paid ahead and did nothing to reapply my payments ( which they have previously done for me in the past aroundXX/XX/XXXX a few times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX I received a postcard from XXXX XXXX XXXX XXXX requesting that I update my address with them, I called and I was told that I had 2 accounts with XXXX XXXX XXXX one was XXXX and the other one was in XXXX.And the amounts was {$640.00} and the other one was for the amount of {$170.00} cents, I explained to the rep that if I had owed that amount, I would not of been able to receive service with XXXX XXXX XXXX , and my services is active.She then stated that in XXXX I had agreed to pay, I then stated to her that is incorrect, I have never agreed to pay, and I am not agreeing to pay.I also informed her that XXXX XXXX XXXX is not showing on my credit report.I also called the Office Of The President Of XXXX XXXX XXXX and informed her of what Portfolio Recovery had stated and she then reached out to the XXXX XXXX XXXX collections and  Mrs.XXXX XXXX called me and stated to me that she had found something, but it was not in collections and she could not make me pay, and that XXXX XXXX XXXX does not use Portfolio Recovery as there collection agency, and she stated that she would be happy to back me up, and I needed to file a complaint on Portfolio Recovery.In XXXX I had received a letter from a attorney recording a class action lawsuit against them for calling people and harassing them.I have had several accounts with XXXX XXXX XXXX and I have never been told that I have to pay a back balance in order for me to receive services with them.Once again they is trying to start harassing me on something that I does not owe.I have changed my last name due to getting married back on XX/XX/XXXX XXXX.My name was XXXX XXXX, and now it is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11
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 removed a fraudulent account and then re-inserted it after it was deleted. this is against the law and the FCRA. The fraudulent account below needs to be removed as it is a violation against the law to re-insert it : XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021, I sent transunion a response letter about inaccurate, unknown, and incomplete items on my credit report, and today XX/XX/2021, and 70 days later, I still have not received a response from them. They completely ignored me. Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has been 70 days, therefore I need these items deleted promptly. It is exhausting and stressful, I have been going back and forth with Transunion, I demand these account to be removed immediately or I will file for litigation due to the constant stress this has caused 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 2018-08-11
Company: Lending Club Corp
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX XXXX XXXX . Claiming that they own the rights of a debt from lending club and demanding full payment. I need full validation of this debt. I haven't heard anything from lending club regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
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: Account information incorrect

Complaint:
XXXX XXXX being reported on Experian as closed, charge off, transferred to another lender or claim purchased and last payment made in XX/XX/XXXX, however, on XXXX this account is reported as 100 % on time payments with card lost or stolen, and account closed XX/XX/XXXX, which is true. Also, being reported on XXXX   as card lost or stolen and closed as well.

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 2021-06-23
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021, I wrote a letter requesting to only be contacted in writing with the statement that if the request was not complied with, that I would immediately file a complaint. I also requested to be allowed to validate the alleged debt and did not receive any documentation. I confirmed via tracking that the letter was delivered to their offices on XX/XX/2021. Since they received the letter, they have called and left me voicemails on 2 separate occasions. Once on the XXXX of XXXX, and again on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ON XX/XX/2018, I RECEIVED NOTICE FROM XXXX CREDIT BUREAU. THAT MY CREDIT SCORE HAD DROPED, AND THAT SEQUIUM ASSET SOLUTION A COLLECTION AGENTCY HAD REPORTED THAT I OWE XXXX XXXX A BALANCE OF {$750.00}. I HAD IT DISPUTED WITH XXXX CREDIT BUREAU TO NO AVIL AND THATS WHY I AM APPEALINGTO YOUR BUREAU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Chase XXXX XXXX card to purchase a dumpster rental for my roof replacement. I called and spoke to the dumpster company ( XXXX ) and asked what size would accommodate. They told me the XXXX yard, I asked if there were any additional charges, they said no. Then after they picked up the rental ( 2 days later ) I was told I have an overage charge, which I said I should n't since I called and the rep told me the size was adequate. I then disputed, chase said they could n't help me after XXXX calls telling XXXX the same thing over and over again. I asked her if she even understood what I was disputing and she could n't formulate the words to explain back to me ... .so CFPB please help me with my FACTA and consumer credit rights!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: Adelante, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2020-08-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft. I never applied for this account. A hacker stole my personal information from the dark net from the XXXX Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX, XXXX, Experian reports the following inquiries I did not sign off : 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 explanation
Consumer complaint received 2018-08-11
Company: EQUIFAX, INC.
State: OH
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:
XXXX Equifax, XXXX reports the following inquiries I did not sign off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion, XXXX, XXXX reports the following inquiries I did not sign off : 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 explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised that you all can help with these items on my credit and I dont know where they came from. I have called all of them on there several times and its just been a run around. Half of the time you just hang up after being on hold for two hours everytime and when you do get someone the line is never clear and they all say its because they are working from home. Please help me get this resolved and these accounts taken off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and some account that dont even have a name but the account number is XXXX. I also see something called DPT EDXXXX and looked it up and they said its a student loans. I dont know how that happened because I have never been to college. I didnt even graduate from high school which is why I have to work hard to have a nice living and my credit is all I have. I also saw where I guess my credit was pulled and I have not applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. Im doing this by myself and really need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: WESTERN UNION COMPANY, THE
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 l walked into the XXXX XXXX store located at XXXX XXXX XXXX and went to the customer service desk. l sent money to XXXX in XXXX, XXXX, using the Western Union service, to my sister in law. That money supposed to be used for expenses at the hospital for the XXXX of my mother in law. The amount sent was XXXX U.S. dollars. 
Unfortunately the money never was received by my sister in law, who was in charge of receiving the money on the same date mentioned above at XXXX XXXX. After 25 minutes, the money was processing but my sister in law never received the money. She called me and said that she never got that money and that they just told her to check the tracking number and come back the next day. When she did they told her " Sorry but this number does not exist in our system. '' I walked into XXXX XXXX store again to explain the issue. They tried to call Western Union but they never answered. I  told the person who was attending me that I was calling Western Union customer service for almost the whole day and nobody answered me as well. It is unfair that no one answered for the entire day. That's why l called the Consumer Financial Protection Bureau. Thanks to the person who answered me and told me what to do in order to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: WELLS FARGO & COMPANY
State: UT
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:
1. On XX/XX/XXXX, WELLS FARGO BANK NA DIL  add a hard inquiry on my credit report per XXXX.

2. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.

3. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: PB Financial Group Corp
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/18 ... P B Financial Group Corp. ordered a UNAUTHORIZED credit report through XXXX XXXX XXXX XXXX. I was seeking a private 3rd mortgage refinancing through a 3rd party broker XXXX XXXX who is noted on attached email communication documents where I clearly stated to him that I was NOT authorizing ANY credit report inquiries by anyone relative to this loan process. I did NOT sign, nor AUTHORIZE PB Financial Group Corp. to run my credit report per their attached UNSIGNED by me ( XXXX XXXX ) Borrower 's Signature Authorization, which was witnessed, and stated in writing by ( attached ) email/text communication between myself ( XXXX XXXX ), and  XXXX XXXX!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Yes .my XXXX card is reported lost and I asked for emergency cash option, well the option bva exercises is that you have to have a XXXX XXXX transfer done with a XXXX charge and was tolled 3 to 5 hours for a XXXX XXXX pick up .I 've been trying to to get a tracking number for 10 hours now and was now tolled it could take days for to get one .why do they call it an  emergency cash transaction if it could take days long?

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 monetary relief
Consumer complaint received 2021-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Thursday, XX/XX/XXXX, I received a notification via E-mail from Wells Fargo stating, " We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX Addendum to the Wells Fargo Online Access Agreement ( OAA ). '' I closed the only two accounts that should have been opened with Wells Fargo during XXXX of XXXX due to their unfair, deceptive, and abusive practices towards consumers. Upon receiving e-mail notification today I was worried that I had become a victim of fraud. I called the Wells Fargo customer service line, spoke to a fraud representative who works solely in the depository side of the bank, and saw that my accounts had been closed in XXXX  of XXXX ; however, my online banking access was still turned on. She stated that she couldn't turn the online banking access off that I would need to call the online banking fraud group to get the online access turned off. 

My biggest concern now is that Wells Fargo automatically opted me into using XXXX, per Wells Fargo 's press release of XX/XX/XXXX that Wells Fargo customers would have access to XXXX on XX/XX/XXXX and XX/XX/XXXX. I want to know why I was opted in to a service that I do not use on accounts that had been closed well over a year before the Service was adopted for use by Wells Fargo consumers.

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 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, Transunion and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX  due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.

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 2018-08-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.

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 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Followed steps to close an account with Robinhood, and they do not get back to me nor close the account.

Company response to consumer: Closed with explanation