BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wyndham Mortgage Company and XXXX XXXX  XXXX are both claiming the XXXX payment on our loan. 

The loan was transferred from Wyndham to XXXX. Wyndham sent a " goodbye '' letter saying send XX/XX/XXXX payment to them. ( We did and they have the money ). 

Later, XXXX sent a " welcome '' letter saying send the XX/XX/XXXX payment to them. 

Both companies think they are entitled to the XX/XX/XXXX payment. 

Help!!! We are stuck in the middle and now considered delinquent. 

Wyndham has the XX/XX/XXXX payment and we have sent XXXX and XXXX payments to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX  for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. 

IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. 

This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. 

There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.

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 2019-03-21
Company: SUNTRUST BANKS, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Suntrust Mortgage Company has accessed my account twice between my regularly scheduled billing cycles and has withdrawn an additional monthly payment from my personal checking account. I have a direct payment sent to Suntrust at the beginning of each month, however, they have been collecting an additional payment for {$2000.00} on the fifteenth of each month in addition to my regular payment. After a number of calls last month, they did return this amount to my checking account. Apparently though, they didnt correct the problem and withdrew the same amount this month. I have attempted to call them and have not been offered any easy solution to have them refund this payment. Needless to say, this is causing a hardship on me and my family.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transunion is reporting an account on my credit report on behalf of XXXX XXXX XXXX. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. XXXX is listed a XXXX XXXX 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 explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX to XX/XX/XXXX XXXX tagged my credit 49 times as late on payments. I was never informed that I was late or delinquent and it is crushing my credit score. I'm a victim of predatory practices from a notoriously predatory company. I am current with my loans and have paid thousands to XXXX and other private student loans, but the late payments still persist and it's hard to live my life. It's hard to get approved for car loans, credit cards, etc.. Always subject to high interest rates etc.. I just want this company, who's supposed to be the US department of Education, to remove these late payments. It is of no use to anyone to continue to bury as if I don't pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from Collections Unlimited dated XXXX with an attempt to collect a debt of {$170.00} that was discharged in bankruptcy on XXXX XXXX. The company then proceeded to place the account on my credit report. I sent them a certified letter asking can they remove it and they have not removed it as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
Portfolio Recovery has been recording my calls without my consent and they have been calling me after I asked them not to. I have attached all proof to this and I want the harassment to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have accidentally opened the US pay pal account. Thereafter, in order to solve this issue, have provided a more than sufficient proof of fact I am an XXXX citizen, ( therefore accidentally opened the US pay pal account ). here are some of my conversations with pay pal : XXXX XX/XX/19 at XXXX XXXX I had made more than 10 calls,  submitted documents in order to fix this, ( see the record of my talks with pay-pal ). I sent the local bank Account confirmation in order for you to resolve these ones and for all. send me my money to my right XXXX pay-pay account! that is connected to : XXXX XXXX, I never had such a terrible customer experience XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I already told you it doesn't let me add a mobile number to my PayPal account, fix my problem. or ask somebody that can! 

XXXX XX/XX/19 at XXXX XXXX PayPal Customer Support : I am an XXXX citizen my phone number is XXXX. 
I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore dissidently opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. resolve this issue once and for all and close my us account! 

XXXX XX/XX/19 at XXXX XXXX I have provided a more than sufficient proof of fact I am an XXXX citizen, therefore accidentally opened the US pay pal account, ( see uploaded Documents ). The full details of my case are in the record of your customer service, It's too much to detail here. can you please send me money to my correct pay pal account witch connected to my mail : XXXX, an PayPal.il account. or to my debit card that is connected to this account, resolve this issue once and for all! I tried to send it to my debit card, not working. fix this! its taking too much time and effort! 

The full details of my case are in the record of US pay pal customer service ), It's too much to detail here. I had made more than a 10 calls, submitted documents in order to fix this, ( see the record of my talks with pay-pal ). 
I sent the local bank Account confirmation in order for pay pal to resolve it ones and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Atlanticus Services Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received two pre-approved applications/offers for credit cards online several months apart. I filled out the first one and was denied even though my credit report/history did not change in the previous six months. Several weeks later I started receiving junk mail and spam with information that I had used on the credit card application. Another pre-approved application/offer was sent several months later with the same results and more junk mail and spam. 

These cards were offers from Aspire in XXXX, GA and issued by the XXXX XXXX XXXX in XXXX XXXX, MO. I feel these offers were extended to me to put my information into a marketing data base and sold. When I wrote a letter to the XXXX XXXX XXXX  it was returned unopened. When I sent it to Aspire it was never answered. The letter of denial blamed XXXX  when in fact they have nothing to do with an approval decision. I have all paperwork to back up these claims. I believe that Aspire never intended to issue me a credit card or denied me because of my age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.

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 2019-03-21
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2017, Money orders was taken from my apartment drop box. On XX/XX/2017 I sent 3 money orders into Western Union to receive a refund for fraud. After several months I was returned with 2 of 3 money orders. I have contacted Western Union multiply times being taken in circles about my third money order. I've been hung up on, dismissed, and put on hold for a sufficient amount of time. Its been 2 years and the balance of the money order owed to my apartment complex is still owed, {$370.00}. As of now I was told by western union they closed my claim because 2 years has passed with no reason as to why I can not receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I havent got any notice of ways to pay for the debt in the last couple months. I had medical issues and just got notification of lawsuit out of no where

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: MicroBilt / PRBC (formerly CL Verify)
State: CA
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:
Someone had been using my information without my permission and I am disputing those fraudulent hard inquiries below 1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: ProCollect, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I discovered on XX/XX/XXXX that I had an outstanding debt in the amount of {$260.00} after it was reported to the credit unions. This debt was reported over two years after it had been sent to collections in XX/XX/XXXX. In that time, I received no written notice about the debt. I also received no phone calls about it. 

When I called the company to learn more about the debt, they stated that they would make a note that I refused to pay the bill because I insisted on seeing written proof of the debt before I paid for it. They stated on XX/XX/XXXX that they would send me written proof, which I have not received. 

I called to discuss the issue with a financial advisor, who advised that I pay the bill while not admitting that the debt was mine. He also advised me to ask for a letter of deletion to provide to the credit companies so the debt could be removed from my credit reports. I did as he advised when I called the collection company. They refused to provide me with a letter of deletion, stating that they would instead send me a letter stating that the debt was paid in full.

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 2018-04-25
Company: WELLS FARGO & COMPANY
State: TX
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:
Phoned Wells Fargo Bank asking why they did a hard hit on my XXXX credit file then removed it. They could not give me an answer. I mentioned I recently applied for credit with a soft hit which did not use Wells Fargo Bank. They use XXXX XXXX. No reason why Wells Fargo Bank created a hard hit then removed it. It will remain on my XXXX report for two years according to 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 2019-04-13
Company: DISCOVER BANK
State: CA
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:
I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.Discover Creditcard XX/XX/2018 2.XXXX Card XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have two co-signed loans with Navient since XXXX and XXXX. The loan I co-signed in XXXX is in the amount of {$15000.00} with a Current balance of {$24000.00} due to variable interest rate and the XXXX loan was for {$6200.00} with a current balance of {$6500.00} due to variable interest. The loans amount has significantly increased despite making agreed payments of {$260.00} for the XXXX loan and {$150.00} for the XXXX loans. Also, during the times my family and I faced financial hardship and were unable to make the minimum payment due to job loss in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My account was reported to credit bureau which negatively impacted my credit. I have been with Navient since XXXX and have even paid off a personal loan I borrowed. Have made timely payments for the loans I co-signed except for the months I was out of job and was not able to make payments. 
With the derogatory report on my credit, I am unable to get a home loan to move my kids to a better neighborhood and school. I have always paid my bills timely and feel I have been treated unfairly. Also, the interest rate keeps increasing making it impossible to pay off the loan. I offered sometime ago to negotiate a settlement due to this being a burden as I had just recently lost my job and the interest keeps increasing, the Navient customer service lady on the other side of the phone was rude and when I asked her to be nice, she told me that " her job was not be nice '' and when I reminded her she was on a recorded line she transferred me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX XXXX XXXX called me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX trying to collect a debt for the same amount of XXXX as a collection agency called XXXX XXXX XXXX. They demanded that I answer the call today ( XX/XX/XXXX ) to ensure it wouldnt go on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Telerecovery, is reporting inaccurate Information to XXXX, the bill was paid in full by Medicaid, before I disputed I told the agency " verbally '' and in " writing '' this account was paid in full, and the agency is still reporting the account -- I asked for proof of this debt XX/XX/XXXX- the agency failed to respond, and it's still reporting on my credit file, I have been trying to resolve this issue with the this agency since XX/XX/XXXX I am not getting anywhere with this agency, I disputed this account with this collection agency several times, the agency keeps reporting to the bureaus as " verified '' with no proof of the correct documents- dunning letter , contract bearing my signature, etc ... I haven't received a phone call stating they were going to report this, this is giving me a negative mark on my credit file and is making it hard for me to obtain certain credit opportunities,, I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY

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 2019-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked SPS to stop calling me in writing via USPS certified mail on XX/XX/2019.SPS  called me after the received my request to stop calling. This is a violation of the California Rosenthal Act which entitles me to {$1000.00} plus my attorney fees. I have attached proof that I revoked consent, proof they received it onXX/XX/2019, and proof they called post-revocation onXX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: FUTURE FINANCE COMPANY
State: IL
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:
To whom it may concern Since XX/XX/2017 we have been dealing with a company that we got financing for an auto to correctly report to the credit bureaus. 
We have gotten every excuse as to why it is not reporting, we were even told there was a letter sent to XXXX in regards to this matter but we can not get a copy of this letter either. We are in the process of getting a mortgage and the almost 3 years of credit would help out tremendously. 

We have been trying to be really patient and understanding but it seems to get us nowhere, there are two people on the loan, my son and my husband. This trade line reports just fine on my sons credit report but not my husbands. This could one mean we go from needing 3 % down instead of 10 %, a lower interest rate and possibly approval. Right now there is a lot riding on this and they dont seem to want to do anything to help the situation. 
I have already filed a complaint with the XXXX and their excuse was a problem with their program, but when I disputed that because it is reporting to one but not the other the XXXX closed the case. Our Attorney is stepping in but we are running out of time for this to be reporting. At this point XXXX XXXX needs to report this trade line A.S.A.P. As of today a manager by the name of XXXX spoke to my husband and stated that we did not want this trade line on our records even though it is reporting on my sons records that 95 % of the payments are on time. 

They claim we have disputed the trade line but if that were true and the information had been correct the trade line would not have been removed. Their failure to do anything is going to cost us more money than necessary. 
Honestly this company needs to not be allowed to provide loans, their customer service is awful and they are very hard to work with. I have copies of emails back in XXXX that they sent a letter to XXXX XXXX and now they are saying nothing was sent. Again more excuses. We need your help please. 

Thank you for your assistance in this matter

Company response to consumer: Closed with explanation