BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The credit card company is displaying the full 16-digit credit card number on my credit card statement. This makes my card vulnerable and opens up security and identity theft issues.

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 2015-10-24
Company: CREDIT BUREAU OF NEW ULM, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B )

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 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Didn't receive services that were advertised

Complaint:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, XXXX, Bank of America. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

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 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

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 2016-02-11
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted an application for a loan modification in XXXX XXXX. I sent all the documents required. Since that time I have been contacted numerous times asking me for the same documents I sent before. It is now XXXX XXXX, XXXX and I am still going back & forth with this mortgage company. Even the agents have admitted that they have the items that the underwriters misplace them. I am at my wit end fed up with this and want something done immediately. I 've faxed, email and mailed the required documents 4 times to no avail. The agents are not knowledgeable and no one seems to want to assist me. When I ask them to look for the documents they find them. However the following week I get a call asking me for the same thing over and over again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-03-09
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This terrible awful bank decided to close my debit card without even notifying me. On, XX/XX/2020 I requested via phone call that checking ending in XXXX and savings ending in XXXX be closed. The remaining balance should have been sent via ACH transfer with completion no later than XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX  XXXX XXXX {$490.00} XXXX XXXX XXXX   XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}

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 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
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:
The consumer reporting agencies ( XXXX, Experian and XXXX ) has violated 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, EXPERIAN OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

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

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 2016-01-10
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I began making payment to my mortgage on a bi-weekly basis in XXXX 2015. I sent SLS {$1200.00} electronically every 2 weeks. 
I wrote letters to SLS stating that all payments should be applied to my regular monthly mortgage ( any excess of {$2400.00} would be applied to the principal ). I have paid my mortgage 1 month in advance since the XXXX 2015 payment. SLS continues to misappropriate the funds, add late fees to my account, and send me delinquency notices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan  w Fith Third  Bank. I have had a bankruptcy and thru it all i have never missed a payment. I am current in all payments, yet they call my home 5 times a day on weekends and holidays!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal la w. GLA has been reporting unverifiable and inaccurate inform ation on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Halsted Financial Services, LLC.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 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

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 2022-03-16
Company: Experian Information Solutions Inc.
State: KS
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:
EXPERIAN has a high risk on my credit report. 
I have good credit. I am demanding it removed! It's been happening for awhile. XX/XX/2022 was most recent.

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 2017-03-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: R & B Corporation of Virginia
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The referenced account was originally a debt to XXXX XXXX. I actually requested a pay to delete last year to Credit Control Corp because I am XXXX XXXX military and never received notification with the original company. I was hoping to not have to go through the hassle of removing the companies incorrect data since I am constantly coming and going on military orders. They had in return sent me a letter stating that the information provided to them was incorrect. That I would then need to call into them to speak. However I never did because I had actually reached out to XXXX  to complain about not receiving a bill to state I owed {$65.00} because service should had been cancelled due to a PCS from XXXX  to XXXX. I have since handled things with XXXX. I also looked up the licenses for Credit Control Corp to collect debts for Washington as well as Tennessee and do not see them on the registry. So they were attempting to collect debts unlawfully in these states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: GA
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:
Due to Identity theft there are fraudulent entries listed on my credit report. I have notified the credit bureaus and I've provided a police report, however the matter has not been addressed by Experian. 

Addresses to be removed : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Accounts to be removed : 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 2017-05-29
Company: Prosper Marketplace, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Opened car loan in  XXXX   XXXX . Auto was totaled  XXXX   XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded.   Bought a new used vehicle based on the first payoff amount I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX, I called Mr Cooper/Nationstar 's toll free phone number, XXXX, to make my XXXX mortgage payment through an automated payment system. I have been for years, making my mortgage payment constructively received by the servicer before 30 days past due. Those calls were made at XXXX, XXXX, XXXX and XXXX pacific time. Each of those four times the automated system said I would have to speak to a representative. Then I heard a recorded message telling me the offices were closed. 

I call Mr Cooper/Nationstar XX/XX/XXXX, Monday morning, to make my payment. Three times, the automated system transferred my call to a CSR and XXXX, then XXXX, then XXXX said they could not take my payment or give me information. 

Mr Cooper/ Nationstar claimed my litigation with IBM , XXXX XXXX and Seterus as the reason they refused to take my XXXX payment or give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: First National Collection Bureau, 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:
I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is putting a delinquent account on my XXXX credit report, when it fact this delinquent account does not even exist. Their client, XXXX XXXX, used them to collect a debt that insurance paid, and they are inaccurately reporting bad data in my credit reports. I WANT THEM DELETED ASAP I believe that they might be under violation of the FDCPA for misrepresenting the fact I owe them money. I need them rectify ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Gitsit Solutions, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The whole purpose of the suit is due to wrongful foreclosure on XXXX XXXX, 2015. We have challenged Kondaur the proof of the matter, they refused to show up for Federal Court to prove themselves to be right in the First place. This was discussed on several occasions. They could not provide to us any evidence. Therefore, they did show up for Federal Court, nor did they respond to XXXX because Kondaur did not have any proof their only proof is to evaded in every way. The fact that Kondaur breach the loan modification and forbearance plan is evident enough. 
This case should not have escalated to this status. All Kondaur had to do was to continue the modification that was set forth by XXXX and continue to accept my payments {$1100.00}.. We disagree with the opinion of the court, we had requested a mediation and trial in person. Further documents will be filed as suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Seattle Service Bureau, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
National Service Bureau , Inc . 


This company claims I owe {$12000.00} for a car accident where I was rear ended by a mustang where it was there fault for speeding around a roundabout and improper following distance which is on file with a police report. Not only has XXXX threatened to send me to jail if I do not pay back the money I DO NOT owe on behalf of XXXX XXXX, they also have issued a Driver 's License Suspension Request and once I called the company, I was told I need to " Be a big girl and own up to my responsibilities or I will go to jail. '' This company is beyond XXXX

Company response to consumer: Closed with explanation