BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am being constantly harassed and threatened. I often receive numerous phone calls and/or texts in one day. I 've told them to stop. I am enrolled and my loans are in good standing. I 've changed my number 7-8 times because of stalking but I keep getting contacted about student loans on the new numbers. Frequently they use spoofed numbers that are similar to mine. 
I am a good student and my loans are in good standing. 
They are harassing me anyway. I 've had people follow me into restaurants and say threatening things in my earshot. 
They are using illegal means to get my new number which is supposed to be private for my personal physical safety because of the stalker.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have 20 missed payments from Navient on my credit reports from all three credit bureaus, XXXX, XXXX and XXXX that I want removed. I have been sending Navient letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that XXXX sued Navient because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of Navient offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a VA loan for my home from land Home Financial. During COVID they offered payment assistance for the mortgage that was to be resolved by a loan modification. I received a loan modification which was supposed to have a three-month trial and if all provisions were met, then it would become permanent. I sent in all the notarized documents in XX/XX/2021 and made monthly payments as stipulated. I also obtained tracking information to as proof that the company did receive the loan modification paperwork. About two months later, I began to receive collection information to which I called the company and resent the loan modification docs and proof of delivery. Also noted that the company cashed the certified check that was requested of me. I continued to received collection notifications over the ext 17 month, I called the company XXXX times, requested to speak to a manager, and was told managers don't speak with borrowers. They directed to me three different divisions within land home financial. This company only communicated by generic email addresses so you never really get the chance to speak with a person whom toy can call back or provide further info. I have made every mortgage payment in a timely fashion and sent proof but they still insist on the collection and potential foreclosure. Recently I found out my loan modification was never entered into their system or processed. Again, i was told to call back in a week all the while, i make monthly mortgage payments that my back insists are made and provide electronic proof of transfer while Land Home Financial still struggles with answers as to why the loan modification was never processed and why the money I spend every month is not applied to my mortgage. Since I have tried in vain repeatedly to get answers, I finally resorted to hiring an attorney in the hopes that I can get answers and land Home Financial attention to solving a problem that should never have existed in the first place. I hated even spending XXXX dollar to hire a lawyer as this was totally unnecessary if their departments would communicate with one another. This company will provide the VA loan but are completely unreliable at servicing the VA loan appropriately.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: GA
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2022-07-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Remove All Old Addresses and Personal 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 2022-07-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At some time in 2019, I ordered a toolbox online. The transaction was charged to my PAYPAL CREDIT ACCOUNT # XXXX. Synchrony Bank, a debt collection company ( as stated on their communications ) is handling the issue. 
After more than 30 days time, I had still not received the ordered item but I did get a statement from PayPal Credit showing the purchase. I believe that there was a minimum payment due. I paid it. I then began in earnest to track the seller. Very long story, but hes a scammer from XXXX and is well known on the internet. I guess PayPal would have more information about him as they obviously sent him a payment. 

Subsequent investigation shows the seller may show a mailing label as proof of delivery. Representatives on the phone from the collection agency admitted to me that they are aware of fraudulent shipping label or delivery information. 

XXXX XXXX XXXX XXXX and I never received the ordered merchandise. Synchrony Bank has been asked many times to send me proof ( verified ) that I received it and Ill pay it. Not a mailing label. A commercial shipping document showing where it was shipped from and where to be delivered. Proof of delivery. If a commercial delivery was made to my address then they will have a document saying do. I never received anything. 

PayPal was aware I had not received it. I told them when I made the minimum payment. And during this entire time period Synchrony Bank has been adding late fees, adding additional interest on top of the balance every month.

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 2017-09-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After I legally terminated my car insurance with XXXX, I have received messages from an unknown company asking to further contact them without any disclosure of the XXXX  amount. The Credit Collection Services were notified via text that I have email record that can justify that I terminated the policy with XXXX as of XXXX XXXX. Although the existing policy was due to be expired in XXXX XXXX the new Insurance Career, the effective XXXX XXXX XXXX was effectively taken place as of XXXX XXXX. Then I sent a notification via XXXX to XXXX agent, and later was told the agent was dismissed. 
Thereafter, I spoke to another agent who had documented the fact in order to report it to other representatives with XXXX. The fact of the matter remains a bad faith, regardless of the dismissal of a clerk a client should not be responsible for paper trails. Please reach out to the collection agency to stop harassing me for debt that I do not owe. The company can be reached at XXXX, XXXX, and the RE : # XXXX XXXX regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. 

Id like my money back ASAP before I take this to small claims. 

Note from the images below XXXX has not once tried to contact me, but was CCd on every email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX claims I owe {$510.00} for a credit card ; this is invalid. This account should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive submitted multiple disputes to XXXX  ( account # XXXX ) to have my account deleted as a result of identity theft but I am still receiving emails as of XX/XX/2022 in attempt to collect a debt not owed. I have email confirmation from the original creditor, affirm inc., that these charges were a result of identity theft. I also made a police report and have been in contact with an investigator. I would appreciate if my XXXX  account were to be closed immediately and the collection attempts were to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is  unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me 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 2022-09-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had an inflated debt over {$1000.00} With XXXX XXXX and an agreement to pay monthly until the debt was resolved. In XXXX XXXX discarged the debt, wrote it off even though we had an agreement, no one notified me of the change, and i was still paying on the debt as agreed. Today I received notice of a collection on my credit report, looked it up and its a {$210.00} debt i knew nothing of. No letter, no phone call, and it dropped my beacon score XXXX pts. I had an agreement with XXXX, paid like i was supposed to, dont have an agreement with this company and XXXX XXXX its charged off. Horrible business practices by credit collection services. I told XXXX i had XXXX, going thru XXXX, and was on social security and they did this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/12 I went to associated bank to deposit {$620.00} on my XXXX card and the atm ate my money and gave me a receipt that said transaction can not be processed. I have been In talks with both banks and the {$620.00} was recovered but in order to get it back my bank has to file a dispute. XXXX said they can not file a dispute because theres no record of the amount being deposited. XXXX and Associated Bank spoke with each other and chime told the Associated Bank Manager that they cant file a dispute. Now associated bank refuses to give me my money without a dispute even though XXXX ( bank manager ) said she will handle it with her atm department. I even have video evidence of the atm eating the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Personal information incorrect

Complaint:
My current address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Please remove these addresses that I have never lived or belong to a relative : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
It's been months already that I'm disputing these inaccurate items on my account. And up to this date, I hadn't received any replies from the bureaus and the creditor itself. I already filed a dispute on XX/XX/2021, concerning several accounts that reported false information. And on XX/XX/XXXXXXXX, I filed a dispute again, but no response came from them, and they refused to remove these inaccuracy items from my credit report. These inaccurate items collect these amounts from me {$670.00}, {$6900.00}, {$0.00}, {$81.00}, {$2700.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TIDEWATER FINANCE COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls multiple times a day and will usually leave 1 voice mail message. On XXXX XXXX, XXXX at XXXX and XXXX, XXXX XXXX, XXXX at XXXX and XXXX and on XXXX XXXX, XXXX at XXXX and XXXX the company left voicemail messages at the same telephone number multiple times in 1 day. I have kept these voicemails as evidence of the violation of the FDCPA.

Company response to consumer: Closed with explanation