BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
RPM prematurely reported a collection account to XXXX, disregarding my request for validation, and prior to the initial collection letter sent to me.

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 2019-02-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.

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 2018-03-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was informed in XX/XX/XXXX that after working for the federal government since XX/XX/XXXXthat my loans on this sequence were not in the right loan type and my loans would have to be consolidated for them to be qualified for PSLF. This is the largest portion of my student loans. I was never told that my loans were not in the right format despite submit employment certification forms ( ECF ) to seek loan forgiveness. 

In XX/XX/XXXX I proceeded to consolidate my loans in the right format. XXXX XXXX XXXX accidentally consolidated ALL of my loans wiping out the payments I had made from XX/XX/XXXX to XX/XX/XXXX. I spend hundreds of hours on the phone with XXXX XXXX XXXX requesting that the consolidation be reversed and corrected. This caused my payments to be placed on a forbearance while XXXX XXXX XXXX sorted out their mess. I was not provided the opportunity to make any payments during this period. 

I also timely re-certified for a new reduced payment amount to be calculated for my entire student loans. This was to be applied once the loans were pulled apart and in proper format. 

After contacting XXXX after a XXXX XXXX XXXX complaint, they provided me with a print- out that simply states that the majority of my loans were on an administrative forbearance during the period of XX/XX/XXXX until XX/XX/XXXX and a reduced payment forbearance, which was not requested by me from XX/XX/XXXX to XX/XX/XXXX. I was not afforded the opportunity to keep paying my regular amounts. This applied to loan sequence 3, 4, 5, 14, 15, 16, 17. This was the period that XXXX XXXX  XXXX was rectifying their error. 

My loan sequence 18 and 19 show an ICR/IBR forbearance for XX/XX/XXXX to XX/XX/XXXX and a second General Forbearance during XX/XX/XXXX to XX/XX/XXXX, again not requested by me and for a ten-day period that makes no sense. 

XXXX XXXX XXXX by electronic correspondence dated XX/XX/XXXX, a representative of the company reached out and told me after a review it seemed that a processing error was discovered for my loans disbursed in XX/XX/XXXX meaning loan sequence 3, 4, 5 and that I would be credited an override for payments of XX/XX/XXXX and XX/XX/XXXX if I paid an amount of {$410.00} within two months. 

It makes no sense to me why these three loan sequences are being offered an override when all of my loans were handled in the same manner. The error should apply to all of my loans. 

Loan Sequence 18 : {$18000.00} Loan Sequence 19 : {$92000.00} It is unfair that 1 ) I was not informed of the " correct loan type '', 2 ) I am not credited for the months XXXX XXXX XXXX took to process my new re-payment plan 3 ) That all of my loans are not covered equally for PSLF purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Jim Bottin Enterprises, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX and their financial Partner XXXX XXXX have made it difficult for me to cancel my membership. After registering with XXXX XXXX in XXXX for a gym membership, I quickly realize that the company was charging me more than they were supposed to my bill. After multiple attempts to speak with representatives from XXXX XXXX, I kept getting the runaround. The representatives at XXXX XXXX would tell me to reach out to their financial partner XXXX XXXX. When I reached out to XXXX XXXX to rectify the issue, XXXX representatives would give XXXX the runaround and refer me to XXXX XXXX. I effectively was not able to speak with anyone to get a resolution. That prompted me to write a letter of cancelation to XXXX XXXX as stated in my contract and supposedly 30 days after they receive the letter, my membership would end. I went straight to XXXX XXXX   website and submitted that cancellation. I received a verification email stating my account was suppose to be closed in early XXXX. On XX/XX/2018, after reviewing my credit card statement, I noticed that XXXX XXXX and XXXX XXXX had both charged my credit card. Even though they were not authorized to withdraw funds from my account, they were bold enough to charge my card even more than would have been charged had i not canceled. I have given neither of these companies the authorization to charge my account and after calling XXXX XXXX, I was once again advised to call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I need TransUnion, XXXX XXXX to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their XXXX was in training, he XXXX me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$550.00} Needs Attention XXXX XXXX  Last reported : XXXX XXXX, XXXX + {$530.00} Needs Attention XXXX XXXX Last reported : XXXX XXXX, XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX + {$100.00} Needs Attention

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 2019-02-11
Company: Experian Information Solutions 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:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate 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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted this bureau numerous of times to remove these unauthorized hard inquiries. They have not responded back to me regarding this very important matter. They are not cooperating and its very frustrating that this bureau is reporting inaccurate 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 2018-04-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was lied to and was not aware of my rights to modify my loan my only option they gave me was to do a short sale to avoid foreclosure and possibly jail time I trusted my agent who happens to be my cousin XXXX XXXX i lost my life my hopes and dreams. XXXX XXXX XXXX as my lender was clear water

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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:
XXXX XXXX Circuit # XXXX  All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and XXXX  # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

XXXX XXXX  # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.

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 2021-09-09
Company: TRUIST FINANCIAL CORPORATION
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:
Dear XXXX, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX 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 2018-02-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the equifax and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Leading Edge Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from this number on XX/XX/XXXX. No voicemail left. Received another call today ( XX/XX/XXXX ). " XXXX XXXX '' left voicemail asking me to call him back. Did not mention a debt or identify himself as a debt collector. I have saved this voicemail and will provide it on request. Googled number to find it belongs to Leading Edge Recovery Solutions. I do not owe any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX publisher put up a new privacy policy that allows opt out of individually tailored ads. One of the companies they work with is XXXX. Upon going to XXXX I found that they had an agreement to obtain information from the credit bureau Equifax, XXXX : XXXX Following the link to Equifax and looking at their privacy policy I found that they are integrating my demographic information and selling it, XXXX : XXXX This does not meet my expectations for how my family 's financial history should be used. I believed my data was private. If a company wants to ask for a list of people with a certain income range, credit score range and is then provided names and/or contact information for the list provided, how many inquiries would be needed to identify my private information. The databases already contain a computer or mobile device identifying my every move on the Internet. How is this credit bureau protecting my information? While it is making money at my personal financial exposure risk?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Early Warning Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Dates requested removal of negative items from my EWS report are XX/XX/2021, XX/XX/2021, XX/XX/2021. 

This company hasn't removed any of the negative items. 

Items described as Account Abuse, and Overdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Capital Accounts, LLC
State: NY
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:
On or about XX/XX/XXXX, I received a letter from a collection agency regarding an alleged debt that I owe to XXXX XXXX XXXX   XXXX, the creditor. I have repeatedly requested by phone that they provide me an itemized bill for the services rendered, and each time I spoke with them, they agreed to send it to me, but up to date, I have not received anything. The latest letter I received dated XX/XX/XXXX, they are threatening to report the unpaid balance to one or more of the national credit bureaus, even though I still have not received the itemized bill. I have spoken to one of their reps that go by the name " XXXX  '' who coerced me into admitting that I owe some of the debt, and then insisted that I pay what I believe I owe, even though I told him over the phone that I am disputing the amount they are seeking. I also had my insurance company call the doctor 's office requesting the itemized bill, and they refused to give it to us, and then proceeded to hang up the phone on the insurance representative. I am now forced to have to pay a bill that I am disputing because I do not want it to damage my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX branded CITIBANK credit card that I enrolled in XXXX at the advice of the local salesman 's advice. I've used the card numerous times and never been late in paying the balance in full since inception until XXXX. I had made some purchases as XXXX   XXXX  using the card. A few weeks later, I was forced to leave the state for a while due to my daughter ( a minor ) being in an accident with 17 other youth. Once out of the hospital, I returned to the state and got the CITIBANK invoice. It has a late fee and interest on the charges. I called CITIBANK and the gentleman agreed to waive the late fee but would not waive the interest of {$9.00}. I accepted his offer as it was my responsibility to pay in a timely manner. However, I pointed out to him that it was a ridiculously high interest rate. We got off the phone XX/XX/XXXX per CitiBank notes. I submitted a check payment via the XXXX online bill pay which defaults to clearing the bank on cashing. CITIBANK and my XXXX XXXX account both state the payment was processed/cashed on XX/XX/XXXX which is past the XX/XX/XXXX due date. While they have an extremely high interest rate, CITIBANK also has a policy where the minimal finance charge is never less than {$2.00} per month. So, they're continuing to charge me interest at {$2.00} per month. When asked about the charges, I get different replies like it is an interest fee, a late fee, etc. For example, it says 4 months but shows {$10.00} with the representative saying that she'll waive the {$2.00} late fee. So they appear to be charging even more than $ XXXX/month at certain times. This is all for a purchase of $ XXXXoriginally that has been paid in full including the original {$9.00} in interest. 

I've attempted to resolve this matter with CITIBANK to no avail and get continued harassment during any discussions with them about payment. 

This appear to be an example of anti-usury lending.

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 2018-04-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Whenever I called they wouldnt issue a replacement card when I saw charges that werent mines they credit some but not all. And eventually they made it where some how they couldnt verify me and told me that I have to call them with my work phone and after months I stopped trying but still made on time payments. Not they told me I havent made a payment with them well Im not able to access my account and Im not able to pay what I cant see even once I paid for it theres no available credit that I can use its Messed up

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 2018-03-26
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received multiple letters and phone calls from Lotane and Associates PA XXXX FL in attempts to collect a debt I settled in XX/XX/2015 for {$1000.00}. I've left messages several times with the office to no avail. I receive a notice every few months, more frequently at times,  offering to settle the account. I've got a statement from the firm that the account was paid in full and a copy of my receipt of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I purchased money orders from agent on XX/XX/XXXX/2018, and mailed them. They were not received by payee. Presumed lost in mail. Not cashed. Sent all required documents to company, including receipt for purchase, research request forms, on XX/XX/XXXX /2018, along with {$60.00} processing fee, and 2 notarized affidavits. Attempted on several occasions to contact company by phone. All numbers went to useless phone menu. Finally found alternate number through reasearch, which connected me to rep in XXXX, who gave me a number. Same useless phone menu. Have made similar payments to same payee before, and have texts back and forth regarding missing money orders. I have fulfilled all company requirements for refund, but they simply will not provide it. I have been struggling with them for over 4 months. I need this money back desperately. Please help!

Company response to consumer: Closed with explanation