BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name

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 2020-05-11
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
SoFi lending pulled my credit report and and offered me a refinancing option for my student loan. After weeks of back and forth they approved my refinance loan. Then out of nowhere after providing many and many document their loan officer withdrew my application without my consent. I called and asked to speak to their management team. I spoke to XXXX XXXX who seemed to try to help me. She ensured me that they will not be pulling my report twice. Still sofi pulled my credit report again within my consent or permission and after another round of weeks of asking for documents have denied my application. Their initial loan officer who withdrew my application without my consent was very discriminative towards me. She never responded to me when I asked. She made a comment about me having an accent and she withdrew my application without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/2017 I requested a balance transfer offer online for two credit accounts at the same time for the same offer. The transfer fee was 2 %. Both transfers were fulfilled on the same day but only one of them was charged at 2 % ( {$2000.00} amount transferred - {$40.00} fee ), the other transfer was 3 % ( {$3000.00} amount transferred - {$90.00} fee ). I was over charged {$30.00}. I sent a secure email when I received my statement and never got a response back from the bank. I just got off a call with Chase call center and at first was told I could not be helped because " you must have selected a different offer '' and " I really ca n't see what you did because you did it online ''. After I pressed the agent and explained I actually entered both transactions under same offer - in fact I do n't even remember two offers. The agent told me there must have been multiple offers because on expires a month earlier than the other offer. 
On the balance transfer screen, you select the offer go another screen enter the account number # you want to transfer and the amount - when you 're done, is you have another transaction, you continue and enter another account # and amount. That 's what I did. I was expecting 2 % fee on both of these transactions not 2 % on one and 3 % on the higher transaction. The agent said she could provide a credit but needed to talk to the " fee '' team put me on old and came back about two minutes later and she could not help - and said the fee team said " what 's done is done ''. I tried to tell her the problem more than likely was a processing problem with the online system to no avial. I am more than willing to pay advertised fees but an unadvertised unwanted fee of 3 % is not right - the problem was on their end of the ransaction - not mine - and to imply that Chase never has systems problems or issues with fees is just not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019, I was notified by a credit monitoring service that a collection was added to my report by XXXX XXXX/ Capio Partners for a medical collection from XX/XX/2019. I called the number and asked what this was in reference to. The employee explained the debt and I told them I never received anything from their company regarding the debt so I could dispute. The employee stated that I was not notified because they did not have a valid address on file and was unable to reach me by phone. They asked could they confirm the address and phone. I gave her accurate information. I told them they could not add to my report without giving me a chance to review and file dispute. She stated they were sorry and I could pay the debt and have account deleted from report. I paid it so it could be deleted ; however, I never was able to dispute it. I have no idea what I paid and if it's mine. I do not recognize the original company ; however, I was desperate to have it removed so as not to interfere with my credit. I have paid debt, received no receipt or confirmation of deletion as promised via email. Company never gave proper notice nor chance to dispute and continue to report debt as owing and on my report when promised to delete trade.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was made back in XXXX and it's not mines. It's XXXX XXXX and I'm currently in bankruptcy. I didn't make this debt and I'm trying to dispute it off XXXX of my credit reports. It's like an identity theft of someone. I have no idea of XXXX XXXX. The collection is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio recovery. Calls once a week for the past year. I do not owe them anything. They call from a different number every time they are XXXX and many lawsuits have been filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX/XXXX  XXXX {$280.00} XXXX  XXXX {$370.00} XXXX/XXXX  XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On or about XX/XX/XXXX Portfolio Recovery Associates, LLC., a collection agency and I settled a collection in full. The account was paid completely without a reduction on the principal balance. The amount was in excess of {$18000.00}. During the negotiation, they falsely claimed after the account was paid in full they will remove all records from all three credit agencies. They did with XXXX and XXXX, but not XXXX. This practice creates severe financial hardship and is misleading. I tried to reason with them. They made a false promise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Lending Club Corp
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:
To whom it may concern, Last XXXX of XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( Lending Club ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then XXXX XXXX, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth 20K less than what we paid for it!! ) just after 8 months making hefty payments, of 300 more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into XXXX dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from XXXX XXXX showing paid as agreed, but with the wrong date of XX/XX/XXXX not XXXX of XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. Lending Club had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as XXXX is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as XXXX, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have contacted Navient on XX/XX/XXXX via email in regards to what is the name of the debt collector that owns my private student loans that were originally with Navient. 

I was a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and made payments while I was a volunteer, the payment amounts were {$50.00} US dollars which was deducted from my readjusted living allowance. 

I have struggled to secure a full-time job from XX/XX/XXXX-XX/XX/XXXX. I would like to know who I should contact about my private student loans that were originally owned by Navient. I have made payments of {$25.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like to work out a feasible repayment plan on my loans. I would also like to know what my options are for repayment on private loans once I begin a graduate program in the XX/XX/XXXX. 

I am attaching my repayment history with Navient and the email I sent to them via the contact email address they provide on their website. No one from Navient has responded to my email since XX/XX/XXXX. 

Navient can contact me at the following mailing address XXXX XXXX XXXX XXXX, IL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
I have sent a dispute out to XXXX, Equifax, and XXXX  that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a mobile deposit of an insurance check early on XX/XX/XXXX. Since it was a reputable company and a government account I was surprised the funds were not available the next day. I called the customer line at XXXX XXXX and was told they just needed to verify the check but it was scheduled to be released today. At XXXX XXXX I called back and was told it went through the fraud department and cleared and would be available by XXXX XXXX. I called again at XXXX and was told it cleared fraud and should be available anytime. I asked to speak to a supervisor because I needed to know exactly when. " XXXX '' got on the phone and said she put a 2 day hold on it. I wanted to know why and she had no explanation except because she could. When I explained the circumstances that my husband passed away last month and I needed the money she didn't care. She said the hold was staying. I asked to speak with her supervisor and she said she was the supervisor and the decision was hers to make. I asked to escalate the complaint and she said she was the escalation. At that point I became extremely upset and called her a bunch of names. She said if I really wanted to escalate it there was no one there but I could call the main office in Rhode Island. She gave me a phone number which turned out to be nothing more than a branch office. That branch office said they escalated a complaint to the chairman 's office. I'm not sure I can trust them now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I disputed a negative collection being reported by Diversified Consultant on my credit files with XXXX, XXXX  and XXXX. All of the credit bureaus responded back saying the information they are reporting was verified but they sent me no prrof of the verification or validity. I have no knowledge of this collection nor have I ever had an XXXX XXXX XXXX account whom Diversified Consultants are collecting for. I have never receive any debt notices nor have I received any paper work with signatures validating the validity of this collection account. I would like the negative information to be removed from all my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My situation involves Key Bank, XXXX. XXXX, in XXXX, XXXX XXXX There have been numerous phone calls that have gone unanswered. When I was told I would get a return phone call first thing in morning, I cancelled engagement to be available. Upon checking, I was told Place was a zoo..by the manager. 
I brought another interested party to the bank..since phone calls were insufficient. We spoke to XXXX XXXX who originally handled the transaction on XX/XX/XXXX We needed to wire money to complete real estate transaction. Besides my funds in different accounts in Key Bank, we presented check for XXXX. 
We were told we had to wait a few days for check to clear. I decided to use line of credit since time was of essence ... but I wanted it paid off in full as soon as check cleared. It was deposited in my checking account. On XX/XX/XXXX I deposited an additional XXXX since I was soon to leave for our new home in Florida. I asked teller and XXXX XXXX to make sure loan was taken care of. They assured me it was. 
I left for Florida on XX/XX/XXXX. Got a phone call from XXXX XXXX asking what I wanted to do about loan. I was shocked ... but not turn back. Asked her to please take care of it and send transaction copies to me. 
When I returned and opened mail I could not understand transactions. Two of us in XXXX 's office heard her say she mad mistake but couldn't rescind resulting {$290.00} charged as interest. I asked to speak to manager. She was busy. I again was told she was unavailable ... and phone call was answered by third person who apologized for Place being a zoo and I should get an answer in a week. Of course ... no answer came. 
I have been with this bank for over 50 years..it has never been so unresponsive. 
I appreciate your intervention. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Y. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Setup " bill pay '' with XXXX, for mortgage held by 5th3rd Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' 30th of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: First National Collection Bureau, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX, XXXX XXXX  XXXX put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX years old and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXXXXXX in Nevada ... I don't know if this is legit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX 2022 called Mr Cooper to advise job loss due to Covid , had obtained new job but would not have first paycheck for several weeks -Was told I would be placed on an agreed payment plan that would not affect credit, was instead placed on a payment plan that resulted in credit affected. 
-Advised payment plan installment must be called in to pay via phone -Paid via phone to then have an unauthorized automatic payment debited same week resulting in bank fees, several hours on the phone with Mr Cooper and Bank conferenced together. 
-Both debits were credited versus the intended 1, resulting in defaulting out of payment plan without consent. This was Mr Cooper processing error. 
-Placed back on a payment plan to correct processing error for additional 3 months -Questioned Mr Coopers new payment plan as the payment amount did not add up to the amount owed to catch up missed XXXX payment. 
-Mr Cooper assured on several calls that amount was correct.

-Mr Cooper assured on several calls that notes were left confirming I was calling in concerned about the amount and confirmed amount reflected correctly for repayment plan -Amount was incorrect resulting in completing the repayment plan reflecting still delinquent. 
-Placed back on repayment plan and again, amount was questioned as this was too low. 
-Mr Cooper assured this is correct and advised they made note again that this concern was addressed. 
-Repayment plan completed resulting in still reflecting delinquent. 
-Contacted Mr Cooper again looking for resolution as the continued processing errors caused by Mr Cooper has had a direct and catastrophic impact on my credit score, credit limit, and placed a detrimental financial burden and strain being unable to afford basic living commodities.

Company response to consumer: Closed with explanation