BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: AmeriCollect
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( XXXX ) mandated that on XX/XX/XXXXXXXX XXXX XXXX XXXX effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the Biden administration that was put in place to protected classes as myself and this company is not in compliance to this law.

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: WELLS FARGO & COMPANY
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I submitted applications for a business line of credit on XX/XX/2023, and XX/XX/2023. The applications were denied on XX/XX/2023, and XX/XX/2023. The reason given was serious delinquencies in my credit report. These reason are absolutely false as I have had no delinquencies and wells fargo approved my for a business credit card about 6 months ago. My credit score is good and my business score is good. I have seen in the media that wells fargo was sued for discriminating against XXXX and XXXX XXXX for mortgage and lending practices. I feel discriminated against because there is no other reason for denial of my business line of credit application.

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 2023-02-14
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I DO NOT KNOW WHY THESE XXXX KEEP TRYING TO CONTACT ME AFTER TELLING THEM THEY MUST STOP! THEY DO NOT HAVE EVEN A REASON TO CALL ME BUT THEY STILL KEEP TRYING!!! 
STOP THEM AND PUNISH THEM WITH ALL THE LAWS THAT APPLIES TO THIS SITUATION!!! 

XXXX XXXX XXXX, a debt collector. 
XXXX XXXX XXXX, XXXX, DE, XXXX I AM REPORTING THEM TO ALL LAW ENFORCEMENT AGENCIES POSSIBLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today ( XX/XX/XXXX ), I looked at my bank statement and realized that Navient had taken {$1200.00} from my account. This was to my surprise because my Rate Reduction Plan amount was {$660.00} and it didn't expire until next month. I checked my emails from Navient and 3 different emails confirmed that my 1 ) My Rate Reduction plan didn't expire until the end of this month, 2 ) My monthly payment was scheduled for the {$660.00} amount, and 3 ) I had until XXXX to renew my plan or the original amount would be taken out. I immediately called my bank to see if they could stop the check, but they said I had to go to the company. 

I called Navient and explained the situation. I'm XXXX looking for work and I live in XXXX. I can't afford rent let alone my student loans. My father, who is the co-signer helps me but he has his own responsibilities, so he can't really afford to help me much either. Thank XXXX I had enough money to cover them taking it out, but normally I don't which means that had it been a normal day, I would have been screwed. This time of the month is when all of my utilities and credit card payments come out so usually I only have $ XXXX {$500.00} left over. This could have caused overdrafts and I would have had to scramble for money. 

When I called Navient they tried to lie and told me that my plan had ended and that's why they charged me. I immediately told them that that is not true and I have documentation to prove otherwise so them taking the money is basically stealing and illegal. They said that they can reverse the check but I'd have to either wait 10 days or provide a bank statement to show them that it was taken out. No sorry or anything. Just that. I was still very angry because I didn't feel like they understood the severity of their actions. I asked to speak with a supervisor because I didn't feel like that was enough. The supervisor, who seemed to have no feelings at all, said that they can file a complaint and add it to my record. I said you could have devastated my life by taking that money out. That's all you can offer is a filing a complaint. You guys are ruining lives out here. She said, " I'll file that complaint for you and I hope you have a nice day. '' Navient is out of control. They know that they are a shady business and do illegal things but they try to hide it or act like they've done nothing wrong. I have plenty of documentation to show that they should have only taken the {$660.00} out of my account and nothing else. So they stole money from me. They need to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My bank account was flagged for unusual activity on XX/XX/2023 after my federal tax return for {$26000.00} was deposited into my checking account on XX/XX/2023 from the irs treasury department. I transferred {$9000.00} to my XXXX XXXX  account & {$17000.00} into my chime savings account as soon as it deposited on XX/XX/2023. Then I was locked out of my account on XX/XX/2023. I provided all documents that chime asked for. Chime still closed my savings & checking account & chime credit card on XX/XX/2023 & said I wont receive a refund. I only received automated responses via email. I learned through research that this is very common with chime online bank & there is a lot of other people going through this. Chime has a lot of cfpb complaints. This is putting my whole life on hold. It was {$37000.00} in my savings account & {$190.00} in my credit builder account. Ill be looking to hire a lawyer also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Good Afternoon I purchased my home, ( primary ) only property I have in XX/XX/1996. The loan has been sold many times. The original amount of the loan was {$100000.00}, a pay off balance of {$98000.00} ( roughly ) and some change is showing that I still owe. I strongly believe this is incorrect. 
I have spoken to a couple of people, with the present company which is PH Mortgage Co and can't seem to get anywhere. The customer service is outsourced to foreign companies and very difficult to understand when speaking on phone. 
I am XXXX XXXX XXXX XXXX and would like to resolve this in near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
My federal student loans were previously serviced by XXXX ( XXXX ). When that contract expired, the full balance of my student loans was transferred to XXXX, the new designated student loan service provider for federal student loans. This transfer was completed in XXXX of 2022. 

The new XXXX information was added to my credit report as an active account. This part is accurate. But the former loan ( with XXXX ) is still showing as active on my credit report. But this is inaccurate. That loan was closed when the balance was transferred in full to XXXX. This double-counting has the effect of " doubling '' my active student loan balance, which is not only inaccurate but crippling to my credit score and debt-to-income ratio. I am unable to secure credit for a home or vehicle purchase until this is resolved. 

I have found no current contact information for XXXX to correct this error, and XXXX advised me to simply keep waiting for this to be corrected. I have filed disputes with the three credit bureaus, to no avail.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-11-22
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Navient viewer my profile on XXXX XXXX for Debt collection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Someone opened a XXXX account in my name & I have been trying to get the Fraudulent XXXX Account off of my credit report since XXXX. This charge off/collections account dropped my credit score over XXXX points. I contacted all credit report agencies to delete this unverified account that belong to an address I do not reside and only Experian has updated it. Experian removed the XXXX account on XXXX XXXX, 2022. I would like compensation for the drastic drop in my credit score and the important applications I was denied during the process because I reported this account multiple times along with an FTC report and they never updated it until XXXX. XXXX XXXX XXXX has yet to update this for me. I need this fraudulent XXXX account removed as soon as possible.

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 2018-03-08
Company: ALLY FINANCIAL INC.
State: HI
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:
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Ally Financial ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX  look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
XXXX XXXX XXXX XXXX mislead me to believe that I needed to help out XXXX XXXX, a friend that worked there, to secure a better rate on an auto. I went to the dealership and signed paperwork but was never shown the loan rate, mileage, cost of the add ons and the total price that I was financing. I trusted my friend and her boss XXXX XXXX. After signing paperwork on XX/XX/XXXX, I was not given copies. I called the dealership on Monday, XX/XX/XXXX to cancel the deal and they said they would try but I would lose my {$2000.00} down payment. On Wednesday, I went by dealership to check on progress and they wanted another {$750.00} to cancel the deal. At that time, I asked for copies of the paperwork and was given page 1 of the Retail Installment Contract. I have still not been given pages 2-5. I was also given the Bill of Sale. I also noticed that paperwork was dated XX/XX/XXXX and I signed XX/XX/XXXX. XXXX showed rate of 27.72 % with my XXXX credit score. The whole reason I went down there was to secure a better rate for my friend. Today, I will call the finance company Credit Acceptance and see if they will decline the loan because of the deceit and trickery used. I did not take possession of car and the dealership does not have trade in. Credit Acceptance said loan had not been processed. I asked rep to block loan but she was unable. I was going to pursue through usuary channels but found out the retail installment loan does not have same caps as usury laws in Florida. XXXX XXXX XXXX XXXX also told me they were purchasing car on Saturday evening through an auction site so it would have been impossible to know how much car was going to cost to input the figures into the contract. Basically after down payment and trade in the car should have been {$2500.00} but then the {$6400.00} of gap insurance and warranty increased sales price of car to {$8900.00} on bill of sale. The car was not {$8900.00}. The car was only {$5700.00}. So I am getting charged interest on all of the warranty and gap protection.

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 2020-09-10
Company: Experian Information Solutions 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:
all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP

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 2023-07-13
Company: EQUIFAX, 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 is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXXXXXX Balance : {$86.00} XXXX XXXX XXXXXXXX Balance XXXX {$250.00} XXXX Inquired on XXXX XXXX, 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX DBA XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2018-07-24
Company: Scheer, Green & Burke L.P.A.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my second time this has happened to me, the first time I did not receive anything and I saw it on my credit report and I filed a compliant with CFPB and thanks to them I was able to fix it. Now I am receiving another letter from a different law office stating I owe them {$260.00} from a medical lab from XXXX XXXX XXXX XXXX, I called them and told them that I do not owe anything that everytime I would get lab work I would pay my copays and if any balance I would pay. They say I have two accounts with them one for {$30.00} and another for {$230.00} totaling {$260.00}, they said I need to call my insurance company and they would help me, I do not have that insurance company no longer and I called them and they said all my copays were paid and to their knowledge I paid all my balances, I have never received no letter from XXXX XXXX if not I would have called. I do not wish this to affect my credit when I do not owe anything, I hope CFBP can help me with this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CITI Bank Shell Fuel Rewards Card I applied because promotional off was XXXX per gallon on my first 5 purchases but I never received that on my first 3 purchases so I stopped using the card. 
I tried to link my original Shell account and that never worked because for some reason every time I try to use the card under my Shell reward account the card wont work. 
Every time I use the card by it self I don't even get the 5-10 cent promised on every use of the card I called many times and I was told many lies but non of them were true because I never received any of the promotions I was offered

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 2023-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are accounts in my report that are fraudulent. It is damaging my credit and limiting my ability to obtain one.

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