BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry 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 2016-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not possess any working credit cards after bankruptcy XXXX. a XXXX credit card showing balance of {$1700.00} in 1991 appeared on XXXX, transunion credit report. I contacted collection agency advising these were not my charges, they referred me to XXXX who referred me back to collection agency claiming they sold account and could not proceed. Went back & forth and finally XXXX XXXX said they could not provide me with copy of charges as they were all unverifiable! Negative info remains as of today.

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 2016-09-14
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
The company provides me with misinformation every time I call regarding my account. My account information is never correct and I receive a different inaccurate reason for the failure of the account to be correct each time. Every time I am advised that the account will be corrected, but it has yet to be correct when I follow up. I was recently advised that I needed to make a physical payment since my direct debit was requested to be changed and that no direct debit would be withdrawn. However, both the physical payment ( {$820.00} ) and a direct debit ( {$630.00} ) were withdrawn. Furthermore, when I made the change to my direct debit amount, I did not authorize the direct debit amount that they withdrew but had made a request for the amount of my monthly installment to be withdrawn ( my monthly installment is supposed to be {$820.00} but on XXXX/XXXX/16 it stated my monthly installment was {$1.00} and yet {$630.00} was withdrawn ). I can not get accurate information regarding my account any time that I call to inquire. Further. when Fedloan servicing took over my account from XXXX, they did not transfer my loans as a full consolidation like XXXX had previously completed for me. Therefore an additional consolidation had to be created in order for them to be included in the public service loan forgiveness repayment option and the repayment plan is therefore extended on those particular loans. Accurate information is vital to being able to manage student loan repayments and this company lacks the resources and tact to do so. I will be escalating this as far as I need to to ensure that others do not have to endure this lack of professionalism in the future and to ensure that my issues have been rectified. 

The University XXXX XXXX XXXX XXXX XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: SUNTRUST BANKS, INC.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: Torres Credit Services, Inc.
State: MD
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:
Pursuant to XXXX XXXX, the alleged account ( Torres Credit Services and XXXX XXXX XXXX, does not belong to me. I have continued to request for validation and verification but to no avail. This company is reporting an illegal debt on my files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: VIRTUOSO SOURCING GROUP, LLC.
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 was paid

Complaint:
A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.

Company response to consumer: Closed
Consumer complaint received 2015-04-03
Company: Vantage Sourcing, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received this email with an attachment which I do not want to open. They portray themselves as an employment agency with the title for their LLC as " sourcing and Support ''. This is false pretense & whoever approved the LLC name and nature of business should be fired. Also, there was no option for communication tactics that rules over email communication. I am not opening the attachment nor calling the numbers. I would like a cease filed on this company as email communication is a breach of security practices under the FDCPA privacy act. My laptop is connected to my work and now they can all see my personal information. I would like to know how they are able to communicate by email, they also do not state the fdcpa " this is an attempt to collect a debt.. '' '' '' Here is the body of the email but I am not opening the attachment to copy that and I do n't see a way to attach it. Nor did I give anyone permission from Vantage for email communication. 

" Dear XXXX XXXX, In the interest of getting this notice to you as quickly as possible, we thought you would appreciate receiving it in an email. Our records indicate that we have your permission to communicate with you at this email address. 
If you are not XXXX XXXX, please click here or call us at ( XXXX ) XXXX to remove your email from our mailing list. 
If you are XXXX XXXX and you do not wish to communicate through email, please click here or call us at ( XXXX ) XXXX to receive no further email communications. 
To maintain security and for your protection, we have securely encrypted the attached document. To open the PDF attachment to this email, you will be asked to enter the last XXXX digits of your social security number as your password. We look forward to speaking to you soon at ( XXXX ) XXXX. 
Thank you, Vantage Sourcing Service & Support TeamPlease do not reply to this email, as it was sent from an unattended mailbox. 
CONFIDENTIALITY NOTE : The information transmitted, including attachments, is intended only for the person ( s ) or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and destroy any copies of this information. 
Get XXXX XXXX XXXX XXXX attachment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested a payoff only to find that it is {$16000.00} though the car sold for $ {$23000.00} and I put {$8000.00} cash and have payed XXXX payments at {$52000.00}. I wastold that XXXX held most of the {$8000.00} and because I make a great deal of payments early before my due date most of it goes toward interest opposed to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Van Ru Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding balance for a medical bill in the amount of {$240.00} that went to collections in XXXX, XXXX. Van Ru Credit Corporation had obtained the debt and seeked payment. I began paying off the bill gradually with a final payment of {$70.00} made on XXXX XXXX, XXXX. Once I made the payment, I received no more letters and phone calls. On XXXX XXXX, XXXX at XXXX ET, I received a call from Van Ru Credit Corporation requesting a payment for the amount of {$70.00}. I repeatedly told the representative that the balance had been paid in full with a Confirmation Numbrer verifying the payment made. The representative had then begun to harass me, completely ignoring that I had mentioned numerous times that I had made the payment. She then completely gave up and transferred me to a Supervisor who then seeked payment for the balance owed. I told the Supervisor 5 Times that I had made the payment and have a confirmation number. The supervisor kept over-talking me every time I said I made the payment. I then told the Supervisor either you accept the Confirmation Number or this call will end. I then gave the Supervisor the Confirmation Number and the call ended. On Friday XXXX XXXX, XXXX between XXXX and XXXX, Van Ru Credit Corporation called me repeatedly 4 Times. I then called them only to talk to another representative. I told her I made a Payment to bring the account Paid in Full with a Confirmation Number. The representative kept saying I still owe the money as she could n't find a confirmation number in my record and that I must pay it or the calls will not end. I asked the representative by request a Letter validating the remaining balance owed of {$70.00} and she kept ignoring my request and persisted in requesting a payment to be made. I then told the representative that By Law, I am allowed to request a letter in writing verifying and validating the debt owed to Van Ru Credit Corporation. The representative decided to say that a letter will be sent. I asked how long it will take to receive the letter? The representative said " When I get around to it, you will get it. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent in XXXX some more information is The money was XXXX XXXX I won XXXX XXXX forced me to send XXXX XXXX of it to the IRS for taxes. I had to sign to do so or it would be seized. So I did do.the irs never received it. That left me XXXX XXXX to us bank on the other file # XXXX XXXX XXXX did start that XXXX file and did sue in the XXXX  case and sued Trump I believe with my tax money XXXX XXXX and no authority from me to use it. 

I

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 2015-09-29
Company: Van Ru Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They keep calling my land line phone number to collect a debt for the person who, apparently, used to have my current phone number. I 've had this phone number for approx. 5 years now, and they continue calling for someone else, asking if I know this person, if I have any information about their whereabouts, etc. I have no idea who this person is or where he is, etc, I 've asked them to stop calling my number, and they keep calling it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Fay Servicing, LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
we have been trying to resolve our mortgage problem with a deed in lieu of filing. To this point we have signed all the paperwork and vacated the property. We were participating in the " cash for keys '' program. All the paperwork we have signed and submitted states the property must be in broom swept condition. Also we were told that as long as the property was vacated in broom swept livable condition we would receive some compensation. Now that the house is signed over and out of our control we were told that because we left items in the house we will not receive any compensation. All the items left were usable by the next owner. we were never told that the house had to be empty to the walls ... I have called my account manager numerous times and never get a call back I always have to contact them. My last contact was 11 days ago and I have still heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My issues with Sallie Mae are two-fold. The first is that I defaulted and they harassed me constantly, calling up to 10 times per day from multiple numbers. They also called my family members multiple times trying to reach me, using contacts I never provided them. Some of the calls are actual people, some are robo-dialed. 

My second issue is regarding their customer service. There is NO WAY to contact these people via chat or email. I assume this is so it 's harder for you to keep a record of communication, making it easier for them to continue shady business practices. As someone with very XXXX that has a lot of issues with telephone communication, it 's basically impossible for me to deal with them. I even completed their customer service form stating this and guess what? They called me anyway. I do n't think they even read them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Account Control Technology, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive phone calls from an agency looking for someone with the same name as me. The agency 's phone number is XXXX. The main person that has been calling me is XXXX. I have actually returned the calls to speak with people there and even spoken with XXXX regarding the mistaken phone number. When they call me, they immediately want to confirm personal information which puts me on guard because in today 's world, someone calling you wanting to " verify '' your birth date and address as soon as you confirm your name, puts up a bit of a red flag. They would not go into more detail as to why they were calling other than to apologize about the mistake. However, it continues to happen. They are primarily calling my employer ; which I really do n't appreciate one bit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-27
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
AES http : //www.aessuccess.org/ is a company that handles my XXXX private student loans : XXXX loan is in my name solely and then the other XXXX are co-signed ( XXXX by my mother and XXXX by my father ). All XXXX of us log in separately to AES website to pay our individual bills. My complaint is against their customer service and their website on how the loan and billing information is displayed and how the payments are distributed. The information is misleading and the balance does not always accurately reflect a true balance. I logged in this month and the system showed me a balance which matched the exact amount that I have paid on the loans solely in my name for the past 10 years only to find out that AES applied that money to the loan my father co-signed on because his was also due. The information their website showed me did not give me any reason or indication that the money I was sending was going to be applied differently. When my father logged in to pay, his amount was less ( because my money paid part of his loan ) and now my account is delinquent. All three of us logged in and at the time of log in, satisfied the payment balance ... but their system is glitched or does n't properly show the information because the full balance was n't paid because their system never accurately showed the information. Money was sent to the wrong place and then because of it, the wrong balance was shown to my father who then paid less than he usually does ( thinking the rate changed or something happened to lower the payment ). It 's confusing. It creates undue stress and anxiety. Their system needs looked at and their customer service investigated. The supervisor, XXXX, also gave me conflicting information and admitted that she read the screen wrong. Which leads me to believe they struggle with getting accurate information out of their own system. Please investigate and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: VERITAS FUNDING, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law. 
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer. 
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation