BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I was shopping for a car, the dealers told me that they will do soft inquiry but after a week it appeared as hard inquiry and my credit score went down. while I was reviewing the inquires I found also other inquires that I did n't authorize and even if they should be soft inquiries.

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 2017-05-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid a XXXX co-pay using my flexible spending account. {$31.00} of the {$45.00} co-pay went through. XXXX would not accept a remaining balance of {$13.00} payment as payment in full and they demanded {$45.00} instead of the remaining balance of {$13.00}, so they handed this debt over to the collections company Credit Adjustments Inc. I sent the document to Credit Adjustments Inc. of the {$31.00} payment that was already paid to XXXX. Credit Adjustments Inc. said they also would not accept the {$13.00} as payment in full. I asked to talk to a supervisor. They told me to hold on and then they hung up on 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 2016-09-08
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank has disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many millions of mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I sent a letter to US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX Minnesota XXXX by way of USPS XXXX XXXX XXXX XXXX XXXX, which was delivered XXXX XXXX, 2015 and XXXX for by G XXXX. The letter asked for confirmation of the public statements made by the Corporate Trustee, in particular, pertaining to their authority ( lack thereof ) in the foreclosure process. I did not receive a response.

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 2017-03-29
Company: Arbor Residential Mortgage LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I originally requested PMI cancellation from Seneca Mortgage in XXXX after our county appraised our property at XXXX times our purchase amount. Seneca responded that they needed more time and to not file a written request yet, as they had made a mistake in acquiring the loan and only had record of XXXX of our XXXX acres. I made numerous phone calls over the next couple of months, spending 5-10 hours on the phone checking on the status of Seneca 's progress in servicing all XXXX of our acres. Finally in XXXX, they assured me they had resolved the issue. My written request for PMI cancellation was processed in XXXX. However, Seneca denied my PMI request for cancellation after an appraiser completed his appraisal of XXXX of our XXXX acres - appraising less than 33 % of the value of our property. 
After fighting with Seneca for 4-5 hours on the phone over the course of 2 weeks, they agreed to conduct an appraisal of our property that did not violate the Home Owners Protection Act. 
Seneca failed to complete this appraisal. In XXXX, over 5 months after requesting PMI cancellation, Seneca transferred my loan to XXXX. XXXX is currently claiming that Seneca refunded my appraisal fee at the request of Seneca, effectively cancelling my request for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: ATG Credit, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper has not been applying the principal correctly to my loan for years and my loan balance jumped form {$6700.00} past due to $ XXXX past due in 2 months and they will not provide me with an explanation as to how $ XXXX was added to my loan. Based on the escrow statement, it appears they applied a bunch of my payments to escrow, {$4500.00} worth and this could explain some of why my loan balance jumped so high. The claim filed at bankruptcy beginning was XXXX and despite receiving years of payments my loan balance doubled. Where has the money gone? They are trying to foreclose and will not work with me on a modification. They denied my modification. I requested assistance to pay the current payment plus extra towards the past due amount and they will not work with me but I wanted the loan balance correct and the $ XXXX increase to my payment due explained before paying the balance. I want to keep my home and will be homeless if I lost it. All the documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
U.S. Bank - I was speaking with a bank representative named XXXX that suggested I transfer funds from XXXX bank card to another at a lower interest rate. I did and asked that my payments be due on the first of the month. After everything was transferred over from XXXX cards, I received my first statement and it stated 11 % which was higher than the 5 % he quoted me, also, there were transfer fees. To top it all off, any account I have has a grace period of at least 5 days. If my account was n't paid on the XXXX of the month exactly ( which was never explained to me ) I finally discovered I 'd been charged late fees. I 've always paid my bills between the XXXX of the XXXX of the month. Upon discovery, I was smoothed talked again and then found out my interest rate had gone up to 28 %.

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!

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 2018-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as XXXX XXXX XXXX XXXX XXXX. When I called the law firm, I was told that they were collecting a debt owned by Bank of America for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to Bank of America, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to Bank of America and I spoke with a bank officer who  searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the Bank of America. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist 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 2022-09-08
Company: EQUIFAX, INC.
State: TX
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2017-05-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On  X/X/17   , I made an e-paymnet through Best Buy 's payment system, for the amount due of {$61.00} ; the payment cleared my bank the same day. On   XXXX  , Best Buy (  Citibank )  contacted me and indicated I was 10 days late and assessed a late fee of {$35.00}. I indicated that I had paid the amount the automated system indicated was due . Citibank re p 's only reply was that the paper statement indicated a different amount. In shor t, Citi 's auto mated payment system appears to have not kept pace with billing. When I called a representative to attempt a fee waiver, the rep indicated that this was not my first late ; and that they would not waive the fee. I 'm puzzled as to the relevance of such a statement, when the issue pertains to their e-payment system, not MY pay history. I paid what their system indicated was due, within the timeframe it was due.

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 2020-03-30
Company: Experian Information Solutions Inc.
State: OH
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:
I have three allegedly open collections accounts on my Experian credit report from XXXX. XXXX, XXXX that I disputed years ago with XXXX and XXXX   that I have been trying to remove from my Experian report. I disputed these accounts with XXXX  and XXXX  that fell off due to not being able to validate the debt. Experian is not letting me dispute these accounts again when I do not know what these accounts are for. I do not remember incurring these charges with the original creditors. I also have an outstanding collection from XXXX XXXX, another I do not know what it is for, on Experian, which has been successfully removed by XXXX  and XXXX  for failure to validate the debt. I would like these taken off my Experian report as they have been deemed invalid by two other bureaus.

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 2016-01-06
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect a debt for XXXX that Ive already paid directly TO XXXX XXXX XXXX. I have sent them proof of the settlement with XXXX countless times telling them to stop contacting me for this account. Hey they have been calling me, my workplace and my parents. Its absolutely relentless what this company is doing. I contacted XXXX XXXX  and asked them to send me proof of the settlement which I then forwarded the proof to portfolio. In ALL of my letters I demand that they stop communicating with me via telephone and they do not stop!!! If this account is not removed I will be contacting an attorney for the many violations they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX The debt collector filed a garnishment against me for {$3200.00} without deducting the {$2100.00} that he had previously received On XXXX XXXX from XXXX XXXX XXXXXXXX. The lawfirm also received money from XXXX payroll from my previous employer in which I will provide soon.. According to FDCPA this is clearly a violation because they must not misrepresent the amount you owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( Experian, XXXX  and XXXX  ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.

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 2016-10-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.

Company response to consumer: Closed with explanation