BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX I deposited {$3000.00} on XX/XX/19, i purchased {$1000.00} ETH and {$300.00} XXXX, XXXX XXXX is incorrect {$450.00} it should be {$1700.00} + my previous balance. i opened several ticket XXXX XXXX XXXX XXXX to resolve this issue, until now, it's not resolve and there's no response and no phone number to call binance.us

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: AMERICAN EXPRESS COMPANY
State: KY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Navient Solutions, LLC.
State: FL
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:
After Hurricane Irma in XX/XX/2017, my Sallie Mae/Navient monthly payments are more than double. The balance I owe is for My daughter 's ( XXXX XXXX ) loan that I cosigned for. She was only making minimum payments and it affected my credit. So I made arrangements to be the sole payer on the account. This was originally a {$2000.00} loan, and there is still {$860.00} owing. The past 4-5 months, the payment has gone from around $ XXXX- {$18.00} up to over {$45.00}. Since I am retired now and on Social Securty, this became a hardship. I have emailed them several times and NEVER got even one response as to why the payment went up like that. It will never be paid off at this rate, because now I am the one making minimum payments. My daughter is unemployed, or she would help me. We live in a very small town, and jobs are extremely hard to come by. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In or around XX/XX/XXXXI contacted my loan provider. I had been working in public interest since XX/XX/XXXXwhen I graduated. My loans were consolidated inXX/XX/XXXX and the Servicer was Navient Solutions. When I heard about the public interest student loan forgiveness program inXX/XX/XXXX, I called Navient. I was told that I would qualify under my current plan but that my Servicer would change. My rate of repayment went down slightly. I was never told the term of the loan would be extended. Several years past, I made timely payments and then because I knew people were getting ready to apply for foregiveness and because may servicer was changing from XXXX  then to XXXX I called to ensure my payments were correct. This was inXX/XX/XXXX. It was due to the fact I had heard that many people were not in qualifying plans even though they believed they were. This was not the sole purpose of my inquiry. I also contact them because I was with a new employer and wanted to make sure they qualified. At this time I was told by XXXX I was not in a qualifying plan and I had never been in one to begin with. They told me both of my employers were likely to qualify but not one single payment I made would. I borrowed approximately {$110000.00} and over the last 18 years I dedicated my career to serving the public. I have paid approximately {$140000.00} over that time because of high interest rate. I still owe {$95000.00}. When I changed jobs and received the correct information I changed to a qualify plan. This was inXX/XX/XXXX. Because of the incorrect information I will have at least 9 more years to pay ( assuming this program still exists ), I will be XXXX  years old, and will have paid back over {$210000.00}. The worst case ( if the program does not continue ) I will be paying until I am XXXX  year old and the amount I will pay on my Federal Student Loans will be close to {$400000.00} when I borrowed {$100000.00}. It is unfair for the student loan companies to mislead and confuse their borrowers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Agency of Credit Control
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:
I have a loan with XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have discovered that I have a couple of accounts that I would like to immediately dispute. I believe that I may be a victim of identity theft. The accounts that are on my credit report do not belong to me. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Also, I requesting to investigate these accounts. I believe that someone uses my identity or it could also be possible someone mixing up these accounts.

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 2021-06-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a business checking account at Bank 0f America which was opened in XX/XX/XXXX. As a business owner of XXXX XXXX XXXX XXXX I have clients with established history of monthly payments to my business, in which I make frequent monthly deposits into the account. I made a deposit on XX/XX/XXXX from one of my clients, that I make monthly deposits from. A hold was put on the funds even though, there was never a problem with checks from this individual. This resulted in my business account being overdrawn, and two fees of {$35.00} each was charged to my account.

I called on XX/XX/XXXX to get the funds released, and the Agent was a bit surprised, and said he did not know why the funds were put on hold, and released the funds.

I asked to have the fees in the amount of {$70.00} credited to my account, it was done. However, it was added again to my account.

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 2020-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates LLC has repeatedly made " robo-calls '' to my number without replying, during my work hours and continued to make phone calls when asked to stop. They have failed to provide any evidence of a valid debt, They also offered to give me the social security number of the debt they are attempting to collect, which i stopped them from doing, In conversations they failed to verify any further information other than my name. Addresses given were never lived at by me or my family. They are routinely rude and obscene on phone calls and very threatening in their demeanor. I have repeatedly told them to halt harassing calls, and they have failed to do so. They have now renewed an older than 7 year account on my credit report with no basis to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
^^Dear Government, My name is ****XXXX XXXX** I am repeating my complaint about incorrect information that exist in my credit report. I have been trying to reach out for some changes over a year but it never works. There are some " '' inaccurate '' '' addresses and employment information that are reported in my credit report. I and our association have no relationship with these records and assume that it would cause unexpected affect to my credit report. Here are the addresses and employment information that need to be corrected : ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO _XXXX XXXX _LOCAL XXXX XXXX  XXXX   XXXX, NY & & & & & & & & XXXX **ADDRESSES REPORTED _XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY 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 2020-06-01
Company: Experian Information Solutions Inc.
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 the 3rd and final time I am disputing these unauthorized accounts on my credit. This is time-consuming and I will take legal actions if not corrected. I am a victim of identity theft/fraud. I have attached the FTC document.

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 2018-02-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am charged {$14.00} every month for this service. I had questions about my credit report. I have been calling for weeks. I can not get to an agent anytime I call. I am told repeatedly that the wait time is 1-2 hours. Sometimes the recording will ask for more information and say we can not help you at this time, put your complaint in writing. If i did have a major credit issue, I would be in big trouble. You can get no help. I no longer want to pay a company to look at my credit and promises help but has such a sorry customer service. I have mailed a letter to the company detailing my complaint. I no longer want the service and just want to cancel. However, the way their contact is set up, you are thwarted at every turn. You can not cancel online. You can only call or write. When you call, you either get no one or it cuts off on you. That is not right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Basically PayPal has held my {$2200.00} dollars for over six months for u known reasons. I have reached out, I still cant withdrawn my funds although I was told I could no longer use PayPal anymore. That is perfectly fine, just release my funds & they can close the account, instead of delaying things. Right now they have no legitimate reason as to why they havent released my funds, just generic scripted messages. The email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: TD BANK US HOLDING COMPANY
State: NV
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:
On XX/XX/XXXX I was a victim of Identity theft, someone had, opened over 7 accounts in my name one was XXXX XXXX XXXX XXXX XXXX. I do not know when the account was opened or, type of account I am assuming it was a credit card of services. I also contacted XXXX XXXX XXXX by certified letter, and also filed a police report, and a Identity theft report as, well as spoke to all three credit companys about the Identity theft, there was a block placed on my credit report. I am still trying to recover from this event that has shook me to my core. XXXX XXXX XXXX XXXX XXXX  did not remove the hard Inquiry that was placed on my credit report with XXXX XXXX XXXX  they placed the Inquiry on my credit report onXX/XX/XXXX. I again am shocked that this is happening, and it is taken a toll on me mentally, and physically. To this day even after I placed a Identity theft alert on my credit report, I have two more Inquirys placed on my XXXX credit report XXXX XXXX XXXX XXXX date XX/XX/XXXXthat was not autherized by me, and XXXX XXXX XXXX XXXX   also pulled my credit report from XXXX on XX/XX/XXXXI have to go to the social security office to change my social security number do to the outstanding damage this is causing my credit, and Identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: The Outsource Group, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Medicredit mailed a collections notice for an alleged debt for account XXXX. Under the FDCPA, a debt validation was submitted to Medicredit within 30 days. Medicredit mailed back an unsigned account statement showing an alleged balance but provided no documentation proving responsibility for the alleged debt or any payments made by the alleged debtors insurance plan. As such, I decline Medicredits form of validation & demand that proof of responsibility be provided for this account. If Medicredit is unable to do so, then I demand this debt be closed & removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Sortis Financial, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a letter from Clear Spring Loan Services , Inc. in XXXX of 2017, their letter which is attached was dated XX/XX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XX/XX/2017, which clearly shows they totally ignored my letter which they received on XX/XX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking Clear Spring Loan Services , Inc. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able tomake any communication on my credit reports. Clear Spring Loan Services , Inc. is also violating the  FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello CFPB, Over the weekend I found that Transunion was reporting a collection for a XXXX XXXX XXXX XXXX.I have never received anything from a business by this name and have no issues with a " XXXX Hospital ''.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: WA
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 applied for a debt consolidation loan today, XX/XX/XXXX, and Experian has reported that I have a serious delinquency on my credit report. I have seen this shown on my credit reports before and I am unaware of any delinquencies as I have been making payments on time for 10 years. I want to know what delinquency it is referring to and get it cleared from my credit report. I had one delinquency in XXXX with the Veteran 's Affairs that was cleared almost immediately and I was wondering if this is the source of my current " serious delinquency ''.

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 2018-04-16
Company: CAVALRY INVESTMENTS, LLC
State: NY
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 XX/XX/XXXX I submitted a payment to Calvary Portfolio Services for less than was owed in a Pay for Delete agreement. I asked before submitting any payment that this will mean the tradeline is deleted and I never have to hear about it again. This was verbally confirmed by Calvary 's law firm via phone call on XX/XX/XXXX. Calvary is now claiming that there was no Pay for Delete agreement, but this is what was agreed to with their attorneys and I quote " when I pay this it will go away and I will never have to hear about it again '' - I was assured the answer was yes and that I could submit my payment online. Calvary is unreasonably refusing to delete the tradeline, per the agreement made verbally with their lawyers, because I did not get it in writing. I do, however, have a phone call recorded and I will be looking into securing a lawyer if this tradeline does not get DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Approximately three years ago, XXXX XXXX in XXXX KY treated me for XXXX  pain. They subsequently sent me an erroneous bill because they used improper coding and date documentation according to my insurance company. I made multiple attempts to inform both my insurance company and this provider my insurance status. 

The billing staff at the provider did not cooperate such that my insurance company would pay the amount due. I do not owe the stated amount and in fact was not treated on the dates shown by them. 

I wrote to GLA collections on XX/XX/2019 and subsequently spoke to a collections agent about the situation. They have refused to consider my side of the story. 

XXXX has also failed to consider my multiple error reports or even contact me to inquire about the material facts in this case.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation