BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-05
Company: Gragil Associates, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Apple credit card continues to insist in reporting the credit card as a charged off even though the credit card was not included in my bankruptcy and even though the credit card had no balance owed at the time of me filing for bankruptcy. And I have the discharge papers where it shows which where the credit card that were charged off and apple card was not one of them. I file a claim and they are insisting in reporting card as a charged off through bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: TN
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 house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!

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 2019-07-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I bought two {$100.00} Visa prepaid gift cards ( one on  XX/XX/2019 and XX/XX/2019 ) at a XXXX near my house. When I went back to use them today ( XX/XX/2019 ), I found that both of the cards have a {$0.00} balance. I called up the company on XX/XX/2019, but since I've since lost the tiny receipts from a month ago, the company 's representative said I'm out my {$200.00} without recourse. On top of that, I was very discouraged to see that this has been an ongoing problem with this company for the past three years ( XXXX XXXX XXXX ). I can produce digital documentation showing that I bought the cards ( from XXXX and a matching charge on my credit card ), but I don't believe the company will accept that as proof that I purchased the card ( despite their website confirming the date of purchase and the place of purchase ). 
When looking further on their website, I can see that two ( possibly faked ) contacts registered the cards thru the company 's website. They do not live in the same city/state that I purchased the cards in. None of the transactions on the cards match the state I live in. This company severely needs to invest in adding another layer of security as their currently system is easily hacked.

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 2021-04-23
Company: TRUIST FINANCIAL CORPORATION
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:
Fraudulent accounts were opened using my identity. Delete these fraudulent accounts from XXXX XXXX XXXX XXXX XXXX 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 2018-01-05
Company: LEXISNEXIS
State: OH
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:
I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus. 

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of Lexis Nexis and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX 3 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of the original medical bill and two additional medical bills. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX XXXX 2 separate letters of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. On XXXX, I wrote to them asking to validate said collection accounts. I further requested that they cease and desist. My correspondence was sent via delivery confirmation, which they received on XXXX. 

XXXX Correspondence generated from XXXX XXXX XXXX XXXX, Division of XXXX, with attached medical bills attached, which is a clear violation of HIPAA law. On XXXX, I again wrote to them indicating that I disputed the bills and asked that they cease and desist. I further and asked for a copy of a signed release wherein I waived my HIPAA rights. They received that via delivery confirmation on XXXX. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my name. 

XXXX Correspondence of that date generated from XXXX XXXX XXXX XXXX, Division of XXXX, regarding collection of medical bills sent in my husbands name. 

Between XXXX and XXXX, this company has telephone me 8 times even though I asked them to cease and desist. Today, XXXX, this company called my employer. 

This company has not provided either my spouse or me with a copy of a signed contract that we owe them any money. Nor have they provided us with a copy of a signed contract that they may act as collecting money for the medical clinic. In addition, they are not abiding by our requests to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I was sent an XXXX XXXX debit card. The card was sent to by by XXXX. It was associated with my name and SSN. However, I never requested the card. Weirdly, it had my correct name and address. 

I contacted the company to request immediate cancellation. XXXX confirmed that they bulk-send cards out " hoping that [ consumers ] will find value '' in the card and continue using the service. When calling the company, I had to validate I was who I claimed to be by verifying my correct SSN. 

This business practice poses a very high risk that the card could fall into the wrong person 's hands and could, in turn, have adverse impact on credit scores. Given the sophistication of scams today, it's also amazing that a company would think it's OK to send these types of " offers '' out to the general public. Calling into a " call center ' and having to pass along sensitive information that was never provided to this institution in the first place is a great way for scammers to get financial information needed to open fraudulent accounts.

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 2018-01-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian & XXXX was asked on several occasions in complaints filed to this system to PROVIDE THE NAME AND CONTACT INFO OF THE VENDOR REPORTING THE BANKRUPTCY to my Experian & XXXX credit file. I would like to challenge the accuracy of that report. If the vendor is XXXX, they are not reporting this item to Experian & XXXX. Unless Experian & XXXX provides proof that the vendor is reporting the item after this request for verification, it should be immediately removed as per FCRA. If not simply let me know in response to this complaint and this date ...

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 2017-07-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my name is XXXX XXXX and I have been dealing with PennyMac to obtain a loan modification to be able to keep my home at an affordable payment. I initially applied over two years ago and have never been given a proper review, I have been denied for multiple reasons. I do believe my lender is engaged in predetory lending and additionally i do not believe Penny Mac has the promissory note or deed of trust. Over all I am confident my lender has violated my homeowner bills of right and is often involved in dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
State: OH
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:
I contacted XXXX, XXXX, and Experian on XX/XX/2019 in dispute to remove a bankruptcy from my reports. XX/XX/2019 both XXXX and Experian responded saying they verified the bankruptcy as accurate through XXXX XXXX. I then contacted XXXX XXXX XX/XX/2019 for my full file disclosure, I received the reports and there was no bankruptcy on the files I called and spoke with a rep and they stated they never received anything from the bureaus and it must've gotten lost in transit they didn't verify anything. I have a copy of my XXXX XXXX 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 2017-07-27
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$600.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 120 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. It has been corrected on my XXXX and XXXX reports, too.

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 2017-07-27
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contesting the account with XXXX XXXX XXXX. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 168 % usage. I need Experian and XXXX XXXX XXXX to correct this account on my Experian report. I should not owe XXXX XXXX XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected.

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 2022-01-20
Company: LEXISNEXIS
State: AZ
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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX Chapter XXXX Bankruptcy Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..

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 2021-06-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XX/XX/2021 I looked at my Experian credit score which have been the same for about two weeks now of a XXXX. I was told by a mortgage broker that she could probably get me a loan for a home whats the score of XXXX or higher. When she pulled her credit report for me from Experian its stated that my credit score was a XXXX. A whole XXXX points difference from what I am seeing on my app that I am paying XXXX for the past 2 years for the Experian XXXX XXXX XXXX. I pay this through XXXX it is paid automatically every month for the past two years. I am also supposed to be able to receive all three credit bureau reports via my subscription. This is not possible when paying for the app via XXXX for some reason as well. Upon finding out my score of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This whole time during COVID-19 it has been a very dark time for me because I am alone. I have no one in physical form on this earth to care for me or about me and my life so this was very important to me to become a homeowner to actually mean something in society and to myself. This credit service should not be able to falsify any information of its customers. I really believed that I had a XXXX credit score with experience. Belief and hope that was almost extinguished if there wasnt someone else on the roof of the garage to talk me down. XXXX practices from a credit company should be illegal in all shapes and forms and fashions.

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 2017-07-28
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON 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 non-monetary relief