BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: FIRST PORTFOLIO SERVICING INC
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a credit card from Total Visa through the XXXX XXXX XXXX  and I have experienced deceptive practices from the payment processing department. On two different occasions I made a payment on my credit card bill and my bank shows the money left my bank account into theirs but it never showed they received it on my account. I suspected fraud the first time with a {$30.00} payment so I didnt really dispute it because I didnt understand and the amount wasnt that high. On XX/XX/2023 I made another payment for {$100.00} to Total Visa via their online app again from my checking account and the payment hasnt posted on my account and Total Visa states they havent received any payment from me. I need their shady actions investigated because as I see it theres a pattern of deception somewhere on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2011 I was denied a loan modification by Wells Fargo after I lost my job and they foreclosed on my house in less than 6 months and would not work with me in any way to keep my house

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 2018-02-18
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, On XXXX of XXXX i Contacted Allied collection to ask for more information on a suppose debit collection that put on my credit, I spoke to there representative and i was requesting my original contract with my signature, Due that question the representative started to get aggressive and other words declining my request after few minutes of back and forth he finally agreed to send over the contract which he disclosed it would take 24 hours, Its been several of days and nothing. ive tried several times to work with this company but they seem to not send over my original contract that supposedly signed XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, On XX/XX/20, I made a purchase for an airline ticket with my CapitalOne credit card through the travel agency XXXX for USD $ XXXXto fly on XXXX XXXX on XX/XX/XXXX ( flight 752 ).  The flight was cancelled and I reached out to XXXX on multiple occasions to obtain a refund. XXXX did not respond to my numerous occasions so I reached out to my credit card issuer CapitalOne to dispute the charge for a service that was never provided ( the flight was cancelled and I am being ignored for a refund ). Surprisingly ( or not ), XXXX did take the time to respond to CapitalOne 's chargeback and CapitalOne reinstated the charges ( and CapitalOne never reached out to me for any of my evidence ). I am seeking CapitalOne to honor my dispute and not to be charged for a service I never got. ( I have no desire to pay XXXX the money and then go through the process of trying to get it back from them since they have ignored me already for the last 2 and a half months ). I appreciate all your help and have provided additional documentation that shows the flight being cancelled and my efforts to get a refund. 

Best ... XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021, I was at a grocery store attempting to pay for my groceries and my card kept declining. This was strange because I knew I had funds in the account. So I attempted to login to my online banking with Suntrust now Truist and it said my access was revoked and to contact customer service. So I called customer services & was advised my account was being closed. When I asked for the reason, I was advised that they can not provide a reason over the phone and that I would receive a letter in XXXX business days. Today is XX/XX/XXXX, XXXX I have contacted Suntrust every single day since XXXX XXXX and nobody has been able to assist me. I spoke to a customer service rep at XXXX on XXXX XXXX and they advised that my account closure process has been reset because I was charged {$3.00} for a paper statement fee? In the XXXX years I have banked with Suntrust, I have NEVER received a paper statement so why now??? Customer care left me on hold for over an hour just to hang up on me. So now its been an entire month and my account is not closed and they are holding {$33000.00} of my money and refusing to assist me. I have filed a complaint with the federal reserve and I will continue to take it as far as I need to.

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 2020-07-07
Company: Experian Information Solutions 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:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit 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 2020-11-23
Company: Radius Global Solutions LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, a collection agency name Radius Global started reporting a {$1500.00} collection account on my credit report. I have no idea what this is, nor what it could be. Prior to this account appearing on my credit report, I received no notification from the collection agency at all. No calls, letters, e-mails, or anything. Since I was never given an opportunity the address this supposed debt, prior to it being reported, the collection agency is in violation of federal collection law.

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 2020-07-07
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:
This item was opened fraudulently using my information on XX/XX/2019. The collection agency XXXX XXXX XXXX, has since contacted me profusely about this debt. I've since filed identity theft and disputed with the Collection agency itself sending a notarized letter and affidavit, yet the discrepancy remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: CA
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 HAVING PROBLEMS WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The principal owed on my mortgage is far less than 80 % of the value of my home. I was told by Rushmore mortgage that my PMI can not be removed for at least another 5 years. 

Is this correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 received a voicemail from private investigator XXXX XXXX-he left message on my phone, my daughters phone, my moms phone and my husbands phone. I called back XXXX spoke to mr.XXXX he said XXXX is a PI doesnt work in office. XXXX said the they are collecting a debt from hsbc bank he stated a paper was mailed to me 45 days ago & I never responded. I told him I Never received anything. He stated I am being sued and need to pay {$2900.00}. I told him I dont recognize this- he said they would settle for {$1400.00} today. I told him I have no money no job due to COVID he put me on hold to ask his boss lower amount to settle.said $ XXXXtosettle today but balance on card is only {$500.00}. Stated they are suing me and my court fee Id have to pay is $ XXXX $ XXXX+other fees! I researched go ligation group and see previous people reporting they as scammers. I Told mr. XXXX I need to receive paper not just by email. He said no because he already sent a paper 45 days ago, I told him Again I Never Received it! Forcing me to pay today only!! Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When the Care Act was passed XX/XX/2020 to suspend payments and interest on student loans. Navient said that I could only have 3 mos of forberance. Where as the Care Act was saying 6 mos of forbearance with the last update as of XX/XX/2020. Why are they saying I have 30 days left on forbearance, instead of XX/XX/2020? Please reply as soon as possible on this matter. 
Thanks XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from XXXX confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX are both reporting this accurately but Experian continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what Experian is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.

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 2021-02-08
Company: PNC Bank N.A.
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, PNC BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Nelnet, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
in XXXX of 2018 for my Department of Education loan account. 
I understand my financial obligations and take them very seriously. During fall of 2018, I experienced technical issues with my bank account that forced me to change my account/banking information. I believed that I had changed my account information regarding all auto draft payments. Unbeknownst to me, there were no notifications regarding my automatic draft setup with my Department of Education account. Because of this, my payment was rejected and classified as late. As soon as I became aware, I made a payment and updated the information. Overall, outside of this isolated incident, I have a history of on-time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.

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 2021-02-08
Company: EQUIFAX, INC.
State: FL
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:
My fiance and I went to XXXX XXXX car dealership in XXXX, Florida to trade in her vehicle for a new one. We were {$9000.00} upside down in the vehicle. They told us no problem. We told them to run our credit report once. We did not want them repeatedly running our credit. She found her dream car, a XXXX XXXX XXXX. I offered them {$500.00} down they told me to save it, it would only lower the payment by {$20.00} or {$30.00}. We took the car home that Monday night. The next morning she got alerts on her phone that her credit was still being inquired. I went to the dealership and asked the finance manger about it and he told me, after looking on the computer that we had two approvals and the deal is done. Fast Forward to Friday, we called the dealership about the remote start and they told us the salesman needed to speak to us. He said, they were requiring {$2500.00} down to close the deal. We went back and we negotiated a {$1000.00} down payment with cash due in 30 days. They day before I was about to give them the first portion of the down payment they told us there was no deal and wanted the car back. Not only was my fiance crushed, we were now two months behind on the other car payment and our credit scores had gone down over 100 points because they repeatedly ran the deal to 20 different primary and secondary lenders without our permission after assuring us we had two approvals and the deal was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Back in XX/XX/2016, I was experiencing financial hardship, and I made a couple of late payments on my XXXX XXXX credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called Jefferson capital systems because a debt showed up from them on my credit report. I called to negotiate a payment but they told me they had no open account for me. When I disputed the debt, they sent the credit reporting agencies documents showing the debt was valid even though they currently hold no debt for me. They are fully aware of the fraud and do not care to correct it.

Company response to consumer: Closed with explanation