BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
We received callous and incompetent treatment in trying to do a simple transfer of funds from our account at Citi to our account in a XXXX bank from XX/XX/XXXX to XXXX of this year. In multiple attempts, emails told us to call to validate the transfer. When we did, we got people speaking unintelligible XXXX who could not or would not validate our transfer. They told us that the transfer was pending in another division that would call us to validate it. Although we gave XXXX phone numbers, they never contacted us. They canceled all of our transfer requests over almost a week. 

Those who attended us on the phone not only spoke incomprehensible XXXX but sometimes cut us off after being unable to resolve our question, causing us to have to call again and endure another long wait. Having to ask the poor person attending the call to repeat every sentence XXXX or XXXX times was painful. 

This inept treatment caused us to delay the purchase of a new home as well as considerable stress and waste of time. Transferring funds from XXXX of our accounts to another should not be this difficult.

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 2018-01-15
Company: Navient Solutions, LLC.
State: FL
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:
Dear CFPB In XXXX of XXXX I registered to take classes at XXXX University here in XXXX, FL. 
I applied for a student loan to help with expenses, roughly about {$2000.00}. 
Due to personal reasons that happened unexpectedly I was n't able to attend classes. 
I completed a course Withdrawal form within 2 days of school starting. 
I NEVER EVER ENTERED A CLASS ROOM. 

My application for student loan was processed and executed even-though the school had ample notice of my class withdrawal. To date Navient has been overbearing and hard to deal with in correcting this problem. Navient is garnishing my Social Security check of a {$130.00}. every month. I am on a fixed income due to major health issues and its difficult for me to purchase XXXX XXXX medication, because I barely can afford it. This amount may not seem to be a lot to Navient, but it is a matter of XXXX and XXXX for me. 

I have argued time and time with Navient trying to prove to them that I DID NOT ATTEND CLASSES AT ALL. They refuse to listen and just like that took liberty and garnished my fixed income of Social Security. After many months XXXX University system was able to find my letter of withdrawal and I forwarded that proof to Navient. 

Navient continue to ignore my request to replace all my funds and cease garnishing my Social Security even-though they have the proof that I did n't attend XXXX University. 

Please help me in resolving this matter for its making my medical position even worse. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity bank for Victoria 's secret enrolled me in paperless billing without me checking a box. I paid a balance online and they must have enrolled me in paperless billing even though I never checked a box to be enrolled in paperless billing. I would never do that, I hate paperless billing because I receive so much spam, I could miss a bill.The next month, I went to Victoria 's Secret and made a purchase. Two months later I get a call from Comenity that I am late. I never saw a bill, it could have gone in my junk box or they never sent it, who knows? They assessed {$28.00} ( first month ) + {$39.00} ( second month ) in late fees and {$2.00} in late charges. The lady on the phone lied and said that she would waive the late fees but not the finance charges which she said was only {$1.00}. So I paid the balance immediately over the phone and requested to be removed from paperless billing, I did not have access to my online account at the time. When I got home, I realized that not only did she not waive any of the late fees but she also kept me enrolled in paperless billing. I then un-enrolled myself from paperless billing and closed my account over the phone. I have received no confirmation that my account is closed. Its still showing that I owe {$39.00}, the second late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is an account for XXXX reporting on my credit report. I have never opened an account with this company. I have reached out to them about this account not being mine, I have also disputed it on my credit report, once the dispute was complete it said " meets requirements of the fair credit reporting act. '' I don't understand how they came to that conclusion because there is absolutely no documentation with my authorization of the account because I did not authorize it and have never had a card with them. I reached out to them years ago when I first realized this account was reporting on my credit report and thought they had removed it because I never saw it when I checked XXXX XXXX it wasn't until I applied for a XXXX XXXX a few weeks ago that I was told that it is still showing on my credit report. I want this account removed from my credit report since I did not open this 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 2022-01-11
Company: EQUIFAX, INC.
State: IN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
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:
-XXXX XXXX hired an attorney to handle family chapter XXXX bankruptcy -At that time we hired and instructed our attorney XXXX XXXX to reaffirm our loan with our mortgage. 
-XX/XX/XXXXBankruptcy Court in Colorado finalizes bankruptcy -We continued to receive monthly mortgage statements from PennyMac which we have been making. The statements indicated that the payments were going more to interest than principal. 
-In late XXXX purchased family truck and credit report pulled that our mortgage was a closed account. 
-XX/XX/XXXX Inquired to PennyMac to be connected with the right people to find out why it stated closed account and did not get an answer. 
-Attempted to make contact again a week later with no results. 
-Spoke with attorney, attorney sent additional paperwork to PennyMac regarding BK. PennyMac then said that they never received it. 
-PennyMac never sent me, as the customer, any paperwork stating that the loan was reaffirmed or that more money would go to the interest than principal. 
-As of the last date, issue was still unresolved and have not been able to speak with anybody regarding this. 
-As of current still making monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon, Credit Collection Services have derogatory information on my XXXX Credit Report. They are stating I owe them {$67.00}. I do not owe them any money. I never sign any contract with Credit Collection Services. They are stating it is from XXXX. I have medical insurance that I use when I go to the doctor. Therefore, I do not owe them any money. I have medical insurance which covers all of my doctors visit and lab work. 
File # XXXX Phone # XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from XXXX XXXX XXXX on a past due XXXX bill from XXXX/XXXX/XXXX I immediately disputed the validity of this debt and they sent me back a copy of a bill dated XXXX/XXXX/XXXX showing a balance. 

This is in no way a validation of the debt as it does not show whether or not the debt was paid or not. 

Further more the company put a collection account against my credit which is currently reporting on my credit file and has been showing an active open collection although this account is and has been in dispute. It is my understanding that this ca n't happen until the debt is proven to be valid. 

I have called them and sent to date 3 different emails to try and resolve this matter with zero response back.

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 2018-01-15
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: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus on XXXX XXXX, asking them to conduct investigations on errors on my credit report. I have not received responses, and its been well over 30 days.

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 2021-03-09
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX and deceived by Cavalry Portfolio Services , LLC. Cavalry Portfolio Services , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Cavalry Portfolio Services , LLC. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XX/XX/XXXX, my credit report was accessed by XXXX XXXX XXXX. I did not give them written notice or authorization to pull my credit report. They assert they did not request the credit report. But, Trans Union does show they pulled my credit report. The result was that my credit score dropped XXXX points. Then, the same company, XXXX XXXX XXXX, experienced a financial loss and was unable to pay their employees and their independent contractors for 6 months. I am one of the former independent contractors who was not paid until XXXX of XXXX. My credit scorXXXX dropped another XXXX points because I could not pay my creditors. I am working on getting my creditors paid to be current, but this illegal pull of my credit report is still having affects on my credit. Trans Union refuses to investigate why my report was pulled without my authorization, and they will not give me the name or names of the people who pulled my credit report from XXXX XXXX XXXX I want to pursue the person or people legally that did this illegal act. 

One credit card company pulled my credit line in XXXX of XXXX, saying I was a credit risk. They reduced my line of credit from {$5000.00} to {$1800.00}. This affected my debt ratio because it increased my utilization from XXXX % to XXXX %. 

Then, XXXX XXXX  XXXX did not pay me for four months. I used my savings to pay my bills until I ran out of savings in XXXX of XXXX. Then, I did not pay any creditors. I contacted all of my creditors. A few agreed to work with me. But, most did not because on my credit report, it showed I was a risk due to a sudden change in employers. This implied I was fired. 

I WAS NOT FIRED. XXXX XXXX XXXX, here in XXXX XXXX, did an expose on XXXX XXXX   XXXX. They are currently under investigation by state and federal agencies for their embezzlement of state funds, their outright lies about state claims being denied, and their involvement in questionable loan companies.

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 2020-05-04
Company: Allied Collection Services, Inc. (Nevada)
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:
This company keeps calling my number to collect an alleged debt. I have no knowledge of this debt and they have not provided any written notice of this debt. I have told them to cease calling my number but they have not done so. 

I received a phone call XX/XX/2020 from XXXX at XXXX XXXX They have also called from 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 2022-01-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD Bank has grossly been mishandling my dispute against a merchant ( XXXX ), who deleted my account for no good reason and would not allow me to return the only merchandise I ever purchased from them under said account. TD Bank requested more information, and I provided it to them. It was plain and simple.. just what I said They closed my account and would not allow me to return merchandise. A XXXX year old could figure it out the first time. Nonetheless, I cooperated and did what they asked. 
This time around, I showed TD Bank the email where the merchant closed my account. And the date of that email proves I was still within the 30 days to return the merchandise, which is standard policy for items shipped from the merchant, even if theyre sold from a third party. TD Bank states their reason for not settling the dispute in my favor thus far, is because the merchant provided documentation of me making the transaction, which is utterly and completely irrelevant as to why I disputed the charges. TD Bank further states that the merchant provided documentation showing that I continued to use their services. I would love to see this so-called documentation, being they closed my account. How was I able to continue using their services if they closed my account?!?!? Does that make even the least bit of sense?!?!? Their email where they closed my account even states, When we close your account, you can not open a new account or use another account to place orders on our site. 

TD Bank states they are only giving me a partial credit {$50.00} of the {$150.00} I disputed, and that I need to resolve my issue with the merchant directly Absolutely disgraceful. XXXX  poor excuse for The Bank Where People Make the Difference. '' What a joke. They cant even do their jobs correctly, let alone make a difference. 

I have been with TD Bank for 20 years, and this is the first dispute Ive ever filed against a merchant aside from XXXX, not counting a couple credit card companies I recently disputed against for ach payments I had revoked authorization from but they charged my checking account anyway. So for TD Bank to manage my dispute so disgracefully, I am beyond disgusted that they would treat such a long time, supposedly valued customer this way. Therefore, if TD Bank does not make this right and provide to me the full {$150.00} whether it comes out of the merchants pocket or theirs, I will be closing my account with TD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for My Fico credit score monitoring with Free Daily Alerts. It appears, that XXXX, Trans Union and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX, then immediately decreasing my Fico score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XX/XX/XXXX of each month. Verified with XXXX XXXX. Why is XXXX, Trans Union and XXXX reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because XXXX, Trans Union and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by MyFico where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX  that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to  this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.

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 2018-06-05
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:
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about XXXX regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. XXXX  responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and XXXX to settle this account in full and to close this account out to a XXXX  balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted XXXX and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with Experian echoing all the above details and on XX/XX/XXXX Experian completed their dispute with a verification of the current reporting. Experian could not have researched the reference account and then verify the information because that is not correct. I believe Experian did an electronic XXXX  verification and did not research this in its entirety. If XXXX  did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.

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 2018-01-15
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/XXXX i was notified by a height finance a loan company out of XXXX mo. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XX/XX/XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it 's my debt. My accounts and checks where stolen from the bank of Missouri there was several with draws taken out and also drained our savings account.

Company response to consumer: Closed with explanation