BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
showing inaccurate information please correct the information

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 2022-01-08
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After I submitted my latest complaint against XXXX XXXX XXXX ( Complaint ID # XXXX ), XXXX XXXX XXXX pulled my file from Phoenix Financial Services. However, Phoenix Financial Services subsequently and immediately flagged my account with the credit bureaus. Additionally, Phoenix Financial Services marked my account as " charge off, '' in retaliation and retribution for my complaints against them. 

I attempted to resolve this issue with Phoenix Financial Services on the week of XX/XX/22 ; which yielded negative results ; because the representative on the phone disregarded my issue and stated.. " that's not our issue, and your file has been pulled from our office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Navient Solutions, LLC.
State: WA
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 since refinance my loan but not after lots of headaches. 
I was going to a for profit school in California and it was pretty much sign this loan or not go to school. The lagoon of {$12000.00} I believe was a private loan handled by Sallie Mae ( XX/XX/XXXX fall ) at an wrongdoing of 12 % + interest. By the time I graduated XX/XX/XXXX spring was tone to  pay back my loans. I was suggested into forbearance for my private lagoon because three was no way to lessen my payment for private. {$500.00} a month in student loans making {$10.00} hr.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company BBVA made an unauthorized payment from my escrow account of {$1200.00}. They stated this was payment for XXXX XXXX XXXX   charge however we do not use city of XXXX XXXX. We use a private sanitation service. Although we have called them previously to apprise them of this fact ( Ref #  XXXX ), and they assured us they would not make this payment, they ultimately disbursed this money on XX/XX/2018. There is no bill supporting this charge and despite repeated calls there has been no action on the part of BBVA. Most importantly, no sanitation bill exists from City of XXXX for this amount ( or any amount since we do not use city sanitation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received alert on credit report regarding debt. Requested validation of debt. Documentation received indicating that patient responsibility is zero. However included a letter stating that although itemized balance might be XXXX your total balance has been forwarded to our office and is listed below. How can I owe XXXX but they say I owe more?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a debt validation letter on XX/XX/XXXX to Phoenix Financial Service this company has failed to validate my debt instead they sent I for regarding a procedure and XXXX codes which I know is a violation of Hippa regulations.I never signed a release form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
at XXXX XXXX. XXXX, I used XXXX app to purchase this item. But after I purchased it, I saw the seller has closed his store. I realized I got fraud and then I called wells fargo and contacted with paypal to report this case in the same day I purchased. but the seller proved a fake tracking number which means the tracking number is exist but the delivery address doesn't match with me, the XXXX choosed to trust the frauder and dennied my request.the wells fargo staff promised me they will invetigate this case by 10-15 business days, and gave me a temporiry credit on my card. after a month, there was no any information or notification for me from wells fargo, so I thought the case has done. but after 4 months, the last Saturday, XX/XX/XXXX. XXXX, my wells fargo account got deduction with no reason, the wells fargo staff told me because they dennied my request, so they reverse the credit. but they had never contacted me before, and they had not asked me for any evidence of being fraudulent with me, and even I could prove that the frauder did not send me anything before. But now that four months have passed, some proof is gone.

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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Bank of America quietly ended the auto rental collision insurance benefit they have provided customers with for years. I wanted to make sure that it was there before traveling, and had to request a benefits statement from the bank. The auto rental collision insurance benefit no longer appeared in my benefits statement. I never got a warning that this was cancelled in letter mail, email, or on the bank and credit card service website. The insurance coverage was cancelled on XX/XX/XXXX according to a bank representative I later called. Had I not sought out this information, I could have assumed that coverage existed, and been on my own had I gotten into a collision.

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 2018-10-20
Company: Global Portfolio Recovery, LLC
State: NY
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 called XXXX XXXX keeps call numerous times a day for a person i do not have contact with. i have told they numerous times to please stop calling even tried to get a supervisor to remove my number but they still call non stop i had my phone disconected for 2 week because of the endless harassment and as soon as i turned the phone back on they called within 5 minutes. i am considering legal action if this does not work.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-20
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 credit reporting bureau Date of XX/XX/XXXX Company XXXX XXXX Its a car lease that was not mine. It was removed from my credit in XXXX and then put back on in XXXX. I dont know why but I have have been disputing it ever since and they will not remove it. Instead they keep updating it which keeps it on longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 at XXXX XXXX.. I received a text message indicating that my account was locked, to click on the link to unlock it. When I clicked on it the CITI logo came on, and it looked legit. So I proceeded to input my login and password. at about XXXX XXXX  I logged into my account just to check. That's when I saw that there had been 3 transactions. {$1000.00} from my line of credit was transferred to the regular checking, and two transactions were done using XXXX, one for {$500.00} and the second for {$450.00}. I immediately called customer service, and when I got someone on the line, explained why I was calling. 
The young lady then asked me if I was doing a transaction at that moment for {$350.00} to someone named XXXX XXXX, told her no, that I called because I did not do these transactions.She told me she was going to cancel the transaction for {$350.00} so it wouldn't go thru, and that she was going to lock my account so no other transactions would go thru, and that I had to go to a branch the next day to close the account and open another one. When I went to the branch the next day the representative that assisted me told me that I was the 3rd person to go there with the same issue, 'her name XXXX XXXX XXXX the XXXX XXXX XXXX branch in the XXXX XXXX Then she transferred me to the fraud department, where they asked me a series of questions regarding the two transactions and the person XXXX XXXX.Since then I have been trying to explained to Citibank that I had nothing to do with this, but they still want to hold me responsible, and have me on collections for the money. They insist I did the transactions, because of the way my account was accessed.

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 2021-10-12
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Alorica Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My vehicle loan was being serviced by Systems and Services and Technology 's ( SST ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called SST and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I  called White Coast and they told me that my account was being serviced by SST. For the week and a half I've been in contact with both company 's, SST and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to SST and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX XXXX on XX/XX/2020 she stated that she would look into the matter and call me back and she never did. I've tried to call several times either asking for her or another supervisor and all i get is that they will call you back in 24-48 business hours or they are busy with another client. I never receive a call back. The only update that i have received is that my money i sent on XX/XX/XXXX was sent over to White Coast on XX/XX/2020. SST has failed to provide any type of communication in writing about status of my account and no one ever returns my calls. The phone # XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2018 I instructed Citizens Bank to make an electronic payment using the Citizens Bank mobile banking app. The payment was for {$3100.00} and was to be sent to XXXX XXXX as the payment processing bank for my XXXX MasterCard which had been opened in XX/XX/2018. The payment of {$3100.00} was the full amount of the statement balance and my instructions to Citizens was this electronic payment was the be sent on XX/XX/2018 to in time to meet the payment due date of XX/XX/2018. By reviewing my bank transactions on-line on XX/XX/2018 I determined that the transaction had not been processed. I visited Citizens bank on Friday XX/XX/2018 and learned that Citizens had opted to prepare a paper draft drawn on my checking account and send it via mail in lieu of the electronic payment as I had instructed. The banks stated reason for this action was to protect my funds from being misdirected as in their experience, a paper check was easier to track than an electronic payment. The banks customer service person made calls to Citizens Bank payment processing departments as well as to XXXX  customer service department only to learn that neither Citizens nor XXXX could provide information as to the whereabouts of the {$3100.00} payment. In the following week, I learned that the paper check ( # XXXX ) that Citizens had prepared had been processed by XXXX XXXX XXXX for credit to their customer, XXXX. Over the next several months, I made several visits to Citizens, made several phone calls to Citizens, XXXX and XXXX, all to no avail. In XX/XX/2018, acting on Citizens instructions, I filed a sworn affidavit regarding a fraudulent check claim ; it also proved fruitless. Citizens instructed me to contact XXXX XXXX and/or XXXX, as in their words, Citizens had done what they were instructed to do and they could not assist me any further. I have filed a complaint with the Massachusetts AGs office and their efforts have also produced no results. This matter is now eight and one-half months old and I have incurred an additional {$170.00} in interest charges while trying to resolve this matter. I have a very detailed written description of these facts with account numbers, addresses and names and telephone numbers of people whom I have contacted as well as notes of the substance of each conversation. As of this writing, I am still without my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2021-10-12
Company: FB FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. 

This complaint is regarding the following : Most recent incorrect submission of a major derogatory notice to the credit bureau while the loan is in forbearance Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their XXXX XXXX XXXX are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. On the XXXX calls I have had with them, I have had to repeat the complete story from the beginning. Every XXXX says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within XXXX to XXXX hours, and nothing gets resolved. 

My last call to FirstBank Mortgage was on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX who again said I will personally call you within XXXX to XXXX hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. I am still waiting on a call back as of XX/XX/XXXX. 

FirstBank Mortgages reckless credit reporting practices while my loan is in forbearance have downstream implications with my other creditors who, upon seeing major derogatory notes on my credit, have lowered the credit limits on my credit cards, severely limiting my ability to use credit while I recover from my personal financial situation. Their after-the-fact credit bureau corrections and apology letters XXXX inconsequential and of no use in negotiating with my other creditors since their actions are taken when they see these major derogatory notes submitted to the credit bureau.

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 2021-10-12
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020. 

I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I sent a complaint to LVNV Funding LLC and RESURGENT CAPITAL SERVICES responded to my Federal Complaint. I do not have a contract with them or LLC Funding LLC for that matter. Neither of them are the Original creditors pursuant to 15 USC 1692g. 

LVNV Funding LLC must respond to CFPB Case # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I disputed a charge on my account with Chase or {$34.00} because the seller said they were going to refund me. The seller would not tell me when I was to be refunded. I kept asking and the seller would dodge the questions. Because it felt like a scam, I disputed the charge. The seller has no indicated that the charge has been refunded. I do not see it on my credit card. However, if the seller refunded my credit card, I want the disputed canceled. I am not looking to win a dispute when I get refunded. 
I would have provided this information on the website but they don't have a good way of contacting the disputes department at Chase and the best way to have my interaction documented is to go through CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
1st first Virginia is a loan place they have called and taken so much money for a XXXX loan they said its nothing I can do but let them take it the money the loan has been paid for its XXXX I have paid XXXX in interest. No one should ever go there Im so sad and sorry I used them for service! Please dont go to that place!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Dynamic Recovery Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX  contacted me by phone last week about a debt that is nearly 20 years old, at which time I requested to be removed from their call list. They agreed, but contacted me via postal mail instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief