BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My Spouse and I both have a inquiry on our credit from a XXXX used cars. 
We have not bought or financed a auto from this institution. We have XXXX continuously requested for this to be verified several times. So it can be removed because it was not done with our consent. Equifax keeps saying its verified! Which is not possible when we have tried to contact this company that SC XXXX shut down and the XXXX revoked their license. I have informed Equifax of this fact! But yet they keep saying they verified it belongs to us! How is this possible when the Government of SC shut them down? Can you say someone at equifax does n't do their job? I can vouch we have disputed this so many times and still it 's hurting our score a a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo charged an overdraft fee to my checkings account. The ATM located at the branch in XXXX XXXX was not working on Friday XXXX XXXX, 2015 and I could not make a deposit. So I made a check deposit using Wells Fargo Application. As of today XXXX XXXX, 2015 the check still pending. The bank does not recognize its ATM malfunction and wants to charge me a fee and not refund my account for their technical malfunction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a Mortgage Loan with Capital One in response to a " Paradise '' promotion we received on XXXX XXXX, XXXX. The promotion was for existing Capital One Venture credit card customers, and promised XXXX bonus miles if we refinanced our mortgage with Capital One. We proceeded with the refinance, making sure to reference the promotion with our loan specialist many times to ensure we would receive the promised reward. We closed our loan on XXXX XXXX, XXXX, and the loan funded several days after. The fine print of the promotion stated that the XXXX points would be deposited into our account within 60 days of the loan funding. As of XXXX XXXX, XXXX, the promised points have not been deposited. We followed up with our loan specialist on XXXX XXXX, which was beyond the 60 days promised. We received a response on XXXX XXXX that we would see the points on our XXXX statement. On XXXX XXXX, we received our XXXX statement but the points were not deposited. Our loan specialist appears to be doing what he can to make sure Capital One complies with their promotion, but unfortunately Capital One has failed to deliver what they promised. The promotion was the main reason we chose to refinance with Capital One, and feel that we were deceived by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: AES/PHEAA
State: MI
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 was a student at Indiana XXXX XXXX XXXX until XXXX XXXX. After this, I began paying my monthly payment to XXXX XXXX Loans at XXXX dollars per month. After six months, and XXXX other student loan payments I realized that I needed assistance in repayment. I contacted XXXX to be told that they has sold my loans to AES. 

Upon contacting AES, I registered and agreed to their three month reduces payment program. The program allowed me to make half payments of XXXX dollars for three months. This phone call took place on the XXXX/XXXX/XXXX. The woman on the phone explained to me that my payment due on XXXX/XXXX/XXXX would be included in the program, and if my online statement had not changed, that I would need to call back on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I check my online AES account and see that I have no due balance. I contacted AES customer service, and was told that my XX/XX/XXXX payment had been covered by a forbearance and that my half payment program would begin on XXXX/XXXX/XXXX. The details of what I was told have been documented by AES, and I have spoken to numerous supervisors about this. 

Believing that I did not have an XX/XX/XXXX payment, I received a letter around XXXX/XXXX/XXXX explaining that my loan was 14 days past due. I immediately called AES and explained the situation. The supervisor first explained to me that he was sorry for my misinformation but that I do in fact owe money. I asked the company if they allow their customers to be misinformed and then held accountable for their own mistake. The supervisor then informed me that he would submit my account for review, and that in 5 days I would no longer be past due. 

Two weeks passed and my account still remained past due. I then called AES again that they informed me that there is no 5 day deadline and I would have to wait, but that they would be turning my information to a collection agency. Afraid, I then had to make a XXXX dollar payment. XXXX for XX/XX/XXXX, and my XXXX for XX/XX/XXXX all at one time. ( Defeats the purpose of saving money through the reduced payment program. ) I have still been trying to contact AES and have yet to receive any answers. I believe that it is horrible that a borrower calls the company to pay any payments to avoid default, is misinformed and then held accountable for the companies mistake. I would like answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I Was working and going to school things got tough had to move and end school didnt want to end school but had to due to financially problems did n't have enough money to pay off my loan and still is looking for work until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Trans world systems collection agency called my place of employment and asked for my name. They ask me if I was the person the were looking for and presented me with an unknown date of birth and social security number. When I told them that I was not that person, they ask for HR. 

I told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They contacted my son at work twice on his phone even after he told them, that was n't his number and he was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Paypal Holdings, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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: Problem with personal statement of dispute

Complaint:
MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKEXX/XX/XXXXTO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.

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 2017-05-04
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a 1 year lease in  XXXX  with   XXXX   XXXX   XXXX  , shortly after the apartment were purchased by   XXXX   XXXX   XXXX   in Georgia. I remained until   XXXX   XXXX   when my lease expired and I submitted paperwork that I would not be renewing the lease. I moved and had no issues until a few months after I received a call stating that I had been sent to collections ( I received no communication from the apartment complex itself ) for the carpet being destroyed, oven not being cleaned and trash left in the apartment, with none of this being accurate. I recently checked my credit report and noticed that this had been posted, I contacted the agency,  Rent Recovery Services  and asked them to send me proof of debt which I received via email. A few things jumped out at me right away, especially since I knew their claims were false. The move in move out inspection agreement though signed off on the move in portion dated  XX/XX/XXXX , theres no sign off or documentation of the state of the apartment for the move out, which I did in   XXXX  . Also, theres no stipulations about being required to purchase replacement carpets especially after residing there for 3 years. There is absolutely no proof of their claims either by the move out agreement or pictures taken and would like all collections attempts to be stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: VA
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:
These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Need to move into a XXXX facility. Can no longer afford to pay this morthage. Would like to have what monies I 've paid in marked off as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my bill to University XXXX New Mexico XXXX XXXX XXXX through my bank checking acct at XXXX XXXX Bank on XXXX XXXX, 2015. They kept sending bills even though I sent bank information twice. Now I am in receipt of a collection letter from Transworld Systems Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: IN
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 would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and 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 non-monetary relief
Consumer complaint received 2017-05-04
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Empire Resolutions Group
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX with Empire Resolutions has called my ex-husband, his Mother, and his brother, when he has my phone numbers and I have spoken to him about my desire to pay the debt. His illegal calls were made after I tried to set up a payment, but the lawyer promising me to have my divorce settlement keeps promising a date for my money, then having a reason for pushing it back. I have been trying to get this divorce settlement for over a year and this is the reason that I could not pay the XXXX bill. The original bill amount was XXXX. I would happily set up to pay this amount. XXXX XXXX XXXX led me to believe that the amount he quoted me was the original debt amount, less fees and late charges. It turned out that it was the full amount with fees and finance charges. He threatened to take me to court if I did not agree to pay the full amount, which he said would easily cost me XXXX times the amount. When I called him back he said that they were not a debt collection agency but a pre-law company and that their lawyers said that the amount of the debt was low so they would not take off the fees. I believe he was lying to me and trying to threaten and scare me into agreeing to pay the full debt to his advantage. i am trying hard to pay my debts and do not plan to file bankruptcy. I am sick of all the collection agencies using these tactics to collect their fees. This man should lose his job. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Plaza Services opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since    XXXX   XXXX      a mysterious payment from Plaza Services appeared as a collection on my  XXXX  report. I check all my physical mail and email, I never had any collections or payments due to "   XXXX   XXXX   XXXX   '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN just  to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with   XXXX   XXXX   XXXX  , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called   XXXX   XXXX   XXXX   to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan for my home was with XXXX XXXX XXXX. It was sold recently to XXXX I was working with company to do a modification, because of problem, s I was in forclosure..I mailed and faxed all my info to complete the modification. 
They sold the servicing rights XXXX this is the worst company, every day i call they tell me they dont have my information from the previous service company. 

in the mean tome my house is still in foreclusure and my attorney says it will be sold if i do not receive a modifcation. 
But everytime i call they tell me they dont have my information from previous servicer.. 
They are holding me XXXX. 
i need help, Plus I told them that I want to make a payment,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: JH Portfolio Debt Equities, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.

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