BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: Utah System of Higher Education
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans were recently transferred from XXXX to UHEAA. Since being transferred, I have had double payments withdrawn from my checking account. I was also sent a letter dated a month after they claim my IBR application was due. They told me repeatedly they would fix double payment and over payment issues, but never did. They told me they would put a hold on my direct payment, while issues were being resolved. They did not do this and continued to pull XXXX times my IBR amount out of my checking account causing a severe hardship for my family. We work hard to have good credit. Contact links on their website are frequently broken. They take weeks to reply to emails. If you read the reviews on their facebook page you will see XXXX people with similar complaints. They straight up lie to people. They take 60+ days to process IBR applications. We never had any issues with XXXX and have had nothin but problems with UHEAA. They need to be seriously looked at for bad or illegal business practices. They are ruining peoples ' credit and their lives. Please help all of us find resolve.

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 2016-07-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report I notice a delinquency, for a charge of {$190.00}, that had been sent to collections. I had never received that service ( XXXX ) or received a bill from ( XXXX ). XXXX has acknowledged the mistake and has claimed to be fixing the issue. I did not find out about this charge until the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have filed my complaint in XX/XX/2021 I NEVER received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both XXXX AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEWHOME! The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. The law is noticeably clear to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX XXXX # # # # XXXX, XXXX  XXXX XXXX XXXX # # # # XXXX, XXXX XXXX XXXX # # # # # # # # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit collection agency has placed and erroneous amount on all three of my credit bureaus stating that i have charged in the amount of {$530.00} dollars i only charged {$58.00} dollars on this account, midland credit has inflated the original credit amount of XXXX and turned it into {$530.00} dollars they have charged me a 50 % percent increased i never ever charged that amount, i would like for midland credit to provide the original contract with my signature and the credit amount that was issued to me. 

I am requesting this company to validate this debt, provide the original signed contract and the fees which made the original amount increase by % 51 percent. 

They have falsified this information on all three credit reports and for there dishonesty this account should be deleted in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
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: Account status incorrect

Complaint:
To whom th is may concern : I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau (  XXXX , Experian,   XXXX    )  are neglecting to verify the accounts properly to determine which ones are duplicates o r original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

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 2021-05-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX, I realized that there were some atm withdrawals from my Chase bank account at chase in the amount of {$7000.00}. I called XXXX on XXXX when I was gon na buy a nice gift, and I saw there were insufficient funds. So I saw atm withdrawals and other unauthorized charges. I had used the card for XXXX and such and I had no idea this happened. I also need the {$24.00} in fees refunded. There were also fraud alerts and I said I never authorized the charges and called and the agent said they think its fraud. I even filed a police report and everything and they still want to hold me responsible. By the way, they need to remove my name from any consumer reporting agencies they reported me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. 
I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Naviant has repeatedly called my Family and associates, who are not co-signers on my loan after my both have asked them to cease and desist. 

They have also threatened my family and told them that I will be arrested if they sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal blocked my account for no reason and will not help me with getting it back. 

It has to be a mistake since I didn't violate any of their rules. I have not been able to get help from them. They simply won't tell me what the reason is, they don't reply to emails and they are holding my money. 

I'm filing this complain because I feel they are not doing their job properly and it is affecting me. I have been a costumer for more than 12 years and for no reason they are treating me like that. If they don't want to do business with me that's alright, but they are holding my money. 

XXXX XXXX My account : XXXX Thanks for you help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
State: PA
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: Billing dispute for services

Complaint:
Long story making sure I Filed a fraud dispute on my synchrony bank XXXX credit card There was XXXX they were from XXXX eats first of all I wasnt even notified by my credit card company that my account was being charged most credit cards give you a heads up of some type of transaction history visa XXXX  credit card synchrony bank Fail to let me know that there was transactions on my card.. but I found my dispute I received a letter from synchrony bank telling me that my claim was refunded and I should receive the refund within 5 to 10 days I also received an email from XXXX eats letting me know that they were going to refund me the money as well XXXX Visa did refund me but then they took the money back And I have never received a refund from XXXX eats like they told me but they have my old card on file which is now canceled I have screenshots and emails from both parties agree to give me the money back and they never did

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-17
Company: GMA Investments, LLC
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:
XXXX XXXX calls from Summit Receivables at least once-twice a week. I do n't know what this debt is, but I receive calls from an unknown number from her and then XXXX from her XXXX on XXXX XXXX from a XXXX number XXXX and XXXX from her on XXXX XXXX from a XXXX number XXXX. In all the messages she leaves she says, " I 'm calling in regards to a file we have in your office ... ..trying to reach you in reference to this file. '' The message is very vague and then she wants me to call her at XXXX which is not the number she calls me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech / Greentree has held my mortgage for many years. XXXX XXXX, 2016 I received a report indicating that my escrow account was {$1500.00} + short and they were raising my monthly payment by {$100.00} to cover. This includes a " at their discretion '' {$500.00} + cushion. 
I understand insurance and tax rates increase but {$1000.00} in a year seems unlikely. Also since they have been managing the account they should have already established those balances last year and not come up short mid year. Why the sudden jump? It 's either mismanagement or just plain stealing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have asked for my over payment returned to me by check then by transfer as per their instructions, all have failed. Then the they required proof of my account belonging to me! 

I closed this account last month and was told I could reopen in within 60 days however today they reneged on that promise also. 

My card is " XXXX '' XXXX. XXXX XXXX XXXX XXXX, SD XXXX. Phone # XXXX I will again try to send them proof of my account. 

This is a ridicules demand. 

Most likely designed to delay a customers money. 

I request my money be returned with interest. The same they would charge 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 2021-05-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I .C. System states on my XXXX  report that I owe {$330.00}, but when I disputed the pet insurance XXXX XXXX XXXX XXXX XXXX debt collection report through XXXX XXXX, it was immediately removed. I contacted the company directly about removing it since it was removed on XXXX XXXX. I explained with deep concern how much COVID-19 has affected my life, how I do not have the finances to pay it off, and there was no compassion from the woman on the phone. She said she will forward my request and I never heard a follow-up about it. I want this removed on my XXXX  account.

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 2015-03-22
Company: World Acceptance Corporation
State: NE
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by green tree from XXXX services. They mailed my first statement on XXXX XXXX with a due date of XXXX XXXX. No problem, but when I tried to pay the bill they denied me access to auto pay which is the only pay method online that does not have a {$12.00} service fee. I called and they said to download the form and fax it. The site blocks me from downloading the form. I want to pay my bill without getting a XXXX XXXX credit card or incurring a fee everytime I pay my mortgage. Paying by mail is not a secure way to pay your mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This company takes peoples escrow and does not pay the taxes or insurance. This is stealing. They need to be investigated. They are profiting off people by means of fees, extra payments. They send out statements after theyre due then charge the homeowner with a late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime bank closed my account after suspending it for No reason what so ever, I provided them with all documents they requested but after they saw I put a complaint in with Americans with XXXX, upon closing my account in they never sent me a check, no answer on any emails I send and I ask nicely in every Emaik about my funds and explained that is my rent money that theyve held no for 2 weeks and my landlord wants to evict me. I have all the emails and conversations I am disgusted that this is how they treat a loyal customer of 4 years for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted XXXX XXXX XXXX to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XX/XX/XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make 71 payments of {$49.00}. 
Resurgent Mortgage sold their debt to XXXX XXXX XXXX in XX/XX/XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted XXXX XX/XX/XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Grant & Weber
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an auto loan that went into default in XXXX of XXXX with XXXX XXXX XXXX XXXX. They eventually transferred the file to some collection attorney who I have never received a phone call or paperwork on. Back at he end of the year knowing I was getting to the 7 year mark I started a dispute with XXXX to get this item removed from my credit report. Based on previous credit reports obtained from XXXX and the correct data of when the loan went into default the 7 year mark would be XX/XX/XXXX. I received info back from XXXX  stating the company has certified the info is correct. I than sent a letter with back up paperwork with previous credit reports from XXXX  showing where it was originally noted that this info would come off my credit report in XXXX of XXXX. Please note that it is not on my XXXX  report or XXXX and hasn't been for some time. After XXXX  received my 2nd dispute the results came back ( which I will attach all info ) and states the company that reported the information has certified to XXXX  that the info is correct. I have sent dated documents to XXXX  which I will enclose and I feel that this Collection agency is lying and not giving them accurate information. Please help me as this company is reporting negative and inaccurate information on my report. I have tried to reach out to them via letter and have been unsuccessful in receiving a response. Name of Collection Firm is Grant & Weber

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 2021-05-14
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received multiple different copies of my file. 

In each copy, my information were incorrect, multiple files and multiple SSN ( wrong ) being reported. 

I submitted request for them to fix and never got a response, inclding a request to freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Oracle Financial Group LLC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Business and Professional Services is reporting a debt in collections to the credit bureaus. This debt was discovered during a review of credit reports in XXXX. They were written and asked for full validation under the Fair Debt Collection Practices Act. They refused saying the request was " untimely ''

Company response to consumer: Closed with explanation