BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a quote from XXXX XXXX for insurance when I purchased a home in early 2019. I went with a different insurer. I did not agree to purchase the XXXX XXXX policy and thus I have no responsibility for this alleged debt. XXXX XXXX kept sending bills. They sent this invalid debt to a collection agency, CCS. CCS is now attempting to collect the debt. I sent proof of other insurance to CCS in 2019 to document that I have other insurance and never purchased a policy from XXXX XXXX. I also formally disputed the debt. CCS continues to attempt to collect this invalid and disputed debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Navient Solutions, LLC.
State: OR
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 is still an account being posted on my credit report, that effects my score. The Sallie Mae closed account is listed 7 times as individual accounts and is still listed well beyond 10yrs. The account is from 2007, again listed 7 times as individual accounts. Showing I have 7 closed accounts. I have asked the old accounts to be removed, which included in the past other accounts. The other accounts were removed, yet there are still 7 of the same account listed. This is wrong and needs to be fixed properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code 1681c2 - Block of information resulting from identity theft My identity was stolen and used in different unauthorized instances. This is another result of that same ill advised and unauthorized act of someone using my identity. This is unfortunate and should be treated as such.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX I was on XXXX and came across a site selling XXXX XXXX XXXX headphones and decided to purchase a pair on a website address " XXXX '' for {$82.00}. I placed an order this same day and noticed after placing the order something didn't seem right because I didn't receive a confirmation email, a tracking number, or any correspondence so I took a screen shot of the site. I noticed the next day the money was withdrawn out of my bank account but by a different company named XXXX. I went on XXXX and noticed this was not the site I placed the order from and the site was a military site selling military merchandise. I went back on the original site I ordered from " XXXX '' and reached out 2 times to contact the vendor via a link on the site " contact us '' they do not have a phone number to call. I have never received a response from my correspondence and still as of today XX/XX/XXXX I HAVEN'T received the merchandise. I called my banking company to open a claim on XX/XX/XXXX. they credited back {$82.00} to my account temporary while they investigated. I received a letter on XX/XX/XXXX denying my claim because XXXX advised they sent an email to the customer ( me ) to pick up the goods and showed the package was signed for on XX/XX/XXXX. I have asked for proof of an email and proof of a signature that I picked up and I am not getting any response and my bank has taken back my credit of {$82.00} today XX/XX/XXXX. I have re-opened my claim with my bank and was told about your site and you being able to assist.

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 2018-07-10
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you

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 2022-02-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX, and I'm writing to request that these items be removed from my report. I am a victim of identity theft, and these charges were not included in in my credit report. The theft of my identity has been reported to the Federal Trade Commission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: Lending Club Corp
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit  reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: FORD MOTOR CREDIT CO.
State: NJ
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
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 Chase/Amazon Card. I have always made my payments on time. For some reason, I realized that there was late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX with no successful resolution. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we were informed that Specialized Loan Servicing LLC was now in charge of our mortgage loan and at this time we made the proper arrangements and send a XX/XX/XXXX payment of {$1800.00}. this payment was for {$1300.00} plus impounds same payment made for the last six months. On XX/XX/XXXX we received a statement informing us that our payment was now {$2100.00} plus impounds totaling {$2600.00}. My wife called on XX/XX/XXXX talked to XXXX and was told that they would look into it. We received a statement dated XX/XX/XXXX stating that we now owed {$4200.00} to bring our payments current. On XX/XX/XXXX I spoke with XXXX and he looked at my loan note and saw the discrepancy in payments and he had XXXX a supervisor contact me and she also looked up the loan note and opened a ticket to look into the discrepancy was promised a call back and never received it. After repeated calls they stated they were looking into it and a target date of completion would be XX/XX/XXXX. 
On XX/XX/XXXX we then received a refund of {$350.00} from our property insurance company as Specialized had send them a payment that was not due till XX/XX/XXXX. Shortly after Specialized send us a statement saying that our escrow account was short. I quickly called and complained about their misuse of our impounds and how our payments were wrong. They put in a ticket for that to be fixed also. 
We received a new statement dated XX/XX/XXXX that showed we now owed them {$5100.00} to bring account current. I managed to talk to a Supervisor named XXXX and he stated there were now two tickets to investigate problems on our account ticket XXXX XXXX payment discrepancy XXXX and XXXX ( impound XXXX. Reviewed my account history and it still showed the higher payment of {$2100.00} and he further informed me that the payments I have been making were being held in suspense because of underpayment. 
It is now XX/XX/XXXX and as of todays call nothing has been done. A resolution to this problem needs to be completed as it is illegal to charge any higher payment than what is in your mortgage note and misuse of impounds

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: Experian Information Solutions Inc.
State: CA
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:
Experian received my dispute regarding credit acceptance and they have not properly invistigated this credit acceptance mischievous behavior and dThis company responded addressing most documentation, credit acceptance has on file is fraudulent documentation, the employer they have on file is a company I never worked for, the signature 's on the contract are not mine, the bank statement from the financial institution is not mine and seems to be fake, I never banked at not until recently, however, the XXXX statement are mine, how this insitition has these statements are mind blowing, I absolutly have no idea how anyone had access to them, in addition, the address listed on these documents is not an address I ever resided at - ever document they have are fruadlent docuemnts put together in the effort to receive goods and services or financial gain. documentation properly themselves,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, TRANSUNION, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.

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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.

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 2018-03-28
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've called Navient multiple times to Settle/Pay off my stundent loans, current balance of {$22000.00}. Most recently called on XX/XX/XXXX, after getting the same answer multiple times and from previous calls made on XX/XX/XXXX & XX/XX/XXXX. Not willing to take a settlement amount, even though my principle on the loan ( s ) was {$16000.00}. Last call I asked to speak with a supervisor, was put on hold for a few minutes, same gentlemen got back on the phone said his supervisor was busy and that he asked him and backed up what he'd been telling me that there's isn't any settlement options for Federal Loans when they are in good standing. There might be more options if I were in default. I'm really want to just get my loans paid off, but at this point I'm not willing to pay the amount that Navient wants because every time I've called they've been rude, disrespectful and unwilling to work with me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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 XXXX 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 {$370.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}

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: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare failed to pay/disburse property taxes.  Property taxes are now delinquent and interest continues to accrue.  Escrow is being held by Loancare for payment of these taxes.

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 2020-05-22
Company: AmeriCollect
State: OK
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:
AmeriDebt continues to call at all hours although I'm on DO NOT Call. When I block them they change their number. I'm elderly & can't easily get to the phone. These people ( " XXXX '' ) are ruthless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I entered complaint # XXXX to the CFPB regarding my urgent request for a loan modification by Specialized Loan Servicing. They received all of my documentation on XX/XX/XXXX, and yesterday ( X/X/17 ), I received a " loan modification ''. I put this in quotes, because it was more like a cruel joke than a modification. The reason I needed a loan modification is I 'm unable to afford the {$510.00} a month they 're asking, plus about another {$3000.00}, as I explained to SLS and the CFPB in the attached document. The " modification '' they sent to me is worse than the original problem. They did nothing to modify it - the interest rate and the maturity date remain the same, and instead of {$510.00} a month, they now want {$560.00} a month. If I 'm unable to afford {$510.00} a month, what would make them think I could afford {$560.00} a month? The only modification they made was to wrap up the late charges into the original amount. Also stated in the attachment is the reason that I fell behind. They did not inform me, in any manner, that my monthly payment had changed until XXXX, 2017, when apparently, the new amount began in XX/XX/XXXX or XXXX of 2017. So, the reason I am in the situation I 'm in now is completely their fault, and they are, apparently, unwilling to work with me. As stated before, if they had informed me of the change in payment when it actually took effect, this mess could have been completely avoided.

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 2020-05-13
Company: Experian Information Solutions Inc.
State: NY
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:
Not my inquires

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 2018-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
This car was stolen on XX/XX/17 and the insurance company was in the middle of sending Capital One there money to pay this car off. The car was gone for over thirty days and I got another car. This needs to be remove a negative payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

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