BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX ( XXXX ) charged me on my account in error of {$170.00} and employed Diversified Consultant a third party collection agency to retained monies not was not owed. The account was put on my credit reports, which was incorrect. XXXX XXXX, XXXX XXXX XXXX Office of President have submitted several request to have the account removed from my credit reports. Additionally, A refund was sent to me regarding my account and other fees. On XX/XX/, I faxed an official letter for XXXX XXXX XXXX and email correspondence as supporting evidence. On XX/XX/, I called Diversified Consultant to get the account removed and was met with opposition from one of their reps. She admittedly stated that understand that the account was in error and of " NO '' of mine, they would not remove the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am a single mother of XXXX children, originally my loans were from Sallie mai but navient took them over and I have had alot of financial hardship. I was told to keep applying for deferments and then forbearance, then told I have exceeded my limits. My pmts keep jumping up and being reported to my credit, lowering my credit score. Then finally they allowed me to consolidate my loans after now owing alot more then I borrowed. Now I'm on a XXXX repayment income plan but my payments still keep jumping up and are still getting reported to my credit causing it to still go lower. I'm not sure what to do, I feel like I'm going to be going backwards and backwards with them and they are doing nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened account on XX/XX/2018. Bank offered {$300.00} bonus for opening account and depositing within 30 days {$15000.00} ( satisfied terms on XX/XX/2018 ) and maintaining balance of same for 60 days ( satisfied terms on XX/XX/2018 ). Bonus has not been paid to date. 

In addition, attempted to draw check on the account in the amount of {$5000.00} on XX/XX/18 and depositing institution reversed the check on grounds the account on which the check was being drawn was frozen ( I have never asked for the account to be frozen or placed on hold ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: MRS BPO, LLC
State: NV
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:
On XX/XX/2018 I received a notification from XXXX  and XXXX that MRS BPO LLC ( Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ) has flagged my account as a Collections account for the amount of {$230.00}. Prior to this they did not contact in any way, shape, form or fashion to give me a chance to dispute this account. I have no idea of what this account is for. This has caused me credit score to drop drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: Resurgent Capital Services L.P.
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:
This is a complaint against LVNV FUNDING, XXXX XXXX and XXXX, I request this collection company to remove this account from my credit report, with XXXX XXXX and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from the Dept of Education requesting payment for a loan that I was not responsible for at the University XXXX XXXX on XX/XX/XXXX when I was XXXX years old and enrolled. My father was the guarantor of the loan and it was paid off after they garnished his wages for years. 
The University XXXX XXXX has sent me to collection and reported this to the credit bureau which affects my credit and future chances of getting student loans for children who are college age or approaching college age. 

The date I received the letter was XX/XX/XXXX - the principal balance was {$750.00} and they are now asking for {$14000.00}. I called them today XX/XX/XXXX and they told me they received the loan from ECSI. I called ECSI and they told me they got the loan from the University XXXX XXXX in XXXX of XXXX and to call them. I called them and they told me they passed the loan to ECSI. So have no answers from anyone only a {$14.00}, XXXX debt that is not mine because I was too young to have been responsible for the loan and my dad paid off what we owed for the loan he took for me back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was $ XXXX in the negative. I went immediately and deposited {$25.00} cash into the atm system to get my account out of a negative balance. I then had a positive balance of $ XXXX in my account. There was enough money in my account to cover my transactions. The next business day PNC bank charged me {$36.00} because my atm deposit was after XXXX. Now my account is again $ XXXX in the negative. On Friday XX/XX/2021 XXXX I discovered that PNC bank charged me ( 3 ) {$36.00} overdraft fees for the pending transactions on my bank that had enough money originally in my account to pay for. They charged me a total of ( 4 ) overdraft fees totaling {$140.00}. I made a deposit for {$170.00} plus {$25.00}. 


This is wrong. Its ridiculous I know how to manage my bank account. I work very hard to manage my finances. I am a responsible individual and I want my bank account fixed. This is how the rich keep getting rich and the poor stay poor. I understand there are rules to how transactions work. However ; there was enough money to pay for my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the XXXX of XX/XX/2021, my account was phish scammed and they removed {$2500.00} from my account through XXXX, as they attempted to call me from XXXX XXXX XXXX, without my knowledge or consent. I called Citibank as soon as I noticed and put in claim for the issue, Reference - XXXX They didnt make any attempts to contact me or freeze my account when the scam went and charged my account 20 separate times for amounts of {$120.00}, in fast successions. They did nothing to stop these transactions or notify me. 

Another call was made to my spouse who is on the joint account, but asking for me, and about the situation. Another phishing attempt, and I reported this to, to Citibank instantly with numbers, and contact information, that I do not have on me at the moment, but have the Reference number for the claim - XXXX Over a week passed, and on XX/XX/XXXX, I contacted Citibank, wondering where my funds were, as I could no longer pay bills now because my entire checkings was removed. They informed me the claim had been denied, with no other information online.

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 2021-10-07
Company: ROBINHOOD MARKETS INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAD an app Robinhood on my phone to transfer money I had my bank listed n someone got into my account n transferred money out without my authorization!!!!! It wasn't taken from my bank it was just from my Robinhood account {$190.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We got affected by hurricane Maria. 
I filed for FEMA and was denied assistance because my mortgage includes home insurance.

I contact the bank ( First Bank de Puerto Rico ) and they forward my information to the insurer ( XXXX ) I receive a visit from the insurance inspector on XX/XX/2017 and am told the process should take no longer than 2 months to hear back from them ( the insurer ) It's been almost 4 months since and EVERYTIME I call XXXX I get hung up. I call the bank and they tell me I have to contact XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed letters to each creditor on my credit and not one agency sent me prove it was my debt, not one agency could verify my signature to the debts because they do not have it. I requested them to be removed and they are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have multiple issues with Experian : 1. My credit score was downgraded because they reported my mortgage on two different financial institutions at the same time, doubling my debt ; they refused to correct it, despite their own report showing that I only owe the amount to one institution ; my score was decreased by 45 points! 
2. My report includes 2 names, one of which I never used ; I can not dispute it on line because they don't allow it, I tried to call but calls get disconnected ; I even reached a person who introduced herself as XXXX and got disconnected too ; 3. My report included an address I never lived at and which I disputed in the past, it had been removed and now it's showing again. 
4. My Experian score is lower than any other scores reported and they are causing financial issues preventing me from getting low interest loans ; they make it impossible to fix issues and abuse their power by ignoring real problems reported.

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 2018-02-08
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After MULTIPLE errors with managing my escrow account on my mortgage I called Navy Federal to request removal of escrow. I can not trust them to understand the difference between an increase or decrease, addition or subtraction, so I surely can not trust them to pay my bills for me. 

During the first phone call I was told that I was not eligible for an escrow waiver because FHA loans do not allow for it and that it was in my loan disclaimers. I got off the phone and found this to be a LIE ( big surprise ). There is NO rule that FHA does not allow for escrow waivers and it is NOT indicated anywhere in my loan documents ( yes I read them all ) that my loan is not eligible for escrow waiver. 

I submitted in writing a formal request for escrow waiver. I was told I would receive a response within 5 business days. On day 6 I got a call that from a Navy Federal agent which was completely inaudible, so I called in to the contact center. I was told that I had received the Escrow Waiver and instructions on everything were in the mail. ( The first time in MONTHS Navy had done something right ). 

Then this morning I get a new message from Navy Federal with the letter that was put in the mail attached to it saying I was DENIED for the escrow waiver. 

This company does nothing but lie and can not provide ANY proof that a consumer was informed prior to agreeing to a loan that escrow waiver would be denied on my loan type. This equates to deceptive loan practices and they need to be sued by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is my 2nd complaint to the CFPB regarding TransUnion 's ability to dispute items online. Since I'm unable to initiate my dispute through TransUnion, I'm submitting my dispute through the CFPB. There are three new collection items that have been added to my credit file that should've all been included in my chapter XXXX bankruptcy filing : Account name XXXX XXXX XXXX   Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number 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 2018-02-08
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an account with a company named XXXX after several months of the company reporting a good payment history to Equifax, Equifax refuses to add the tradeline to my credit file ..I have provide email communications from the creditor, email communications from Equifax representative to the creditor stating they are reporting the item however the item doesnt appear on my file as a result it appears I have less credit history then I really do and it it causing my credit score to be lower

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: ACS Education Services
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/2018 by refinancing it with XXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/18 and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/18, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/18 and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/18 as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/18. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again. 
The above complaint was closed with a response from company saying that they have issued and sent a Cheque to XXXX for the amount of {$5200.00} on XX/XX/2018 but to my surprise the funds have not been received by XXXX  till today XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: SANTANDER HOLDINGS USA, INC.
State: MI
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:
Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have made a payment of XXXX towards the loan on XX/XX/XXXX. The lender notified me that I haven't followed the process and they will return the funds so that I can certify the funds and pay the loan. I was told funds will be returned within 24-48 hours and I have been calling since then to get an update on when my funds will be returned so that I can follow the process. Finally, they say funds will be on hold for 45 days ( 30 business days ), neither they apply to the loan nor return it back to me so that I can follow the process. I have asked them to give me a written confirmation at least and they have rejected. 

While my funds are with the lender I am paying interest on it,

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