BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Delta Management Associates, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I was told by Delta Management that my loan would be taken up by another party and congrats I would be able to return back to school soon after not hearing anything from anyone I returned call to Delta Management and spoke with a young lady whom stated to return call at later time as it was n't showing whom my new loan server was and sometimes it takes so time, ok did and still no answer or reasoning so In turn called XXXX and asked them to help that 's when they stated I only made 6 payments and loan was in default not information I was given and why would I pay 6 payments and not three more so then I asked for all calls to be pulled as this is incorrect this was on XX/XX/XXXX this was reported, I still have n't heard anything from XXXX as agent assured me I would so I called back at XXXX XXXX to speak with XXXX on the escalation team whom stated to me they had request out to Delta Management and Delta never responded and they had 7-10 business days to do so, ( which was a lie ), as I spoke with XXXX from escalating team at XXXX and he stated that had reached and it was under review ( why lie to student ) I in turn called Delta and they stated they had, Delta also informed we that they could not provide me with date they do n't it out even though it affects me that was XXXX XXXX loan rehabilitation ManagerXX/XX/XXXX I had spoken with previously about his associate misinformation on XX/XX/XXXX which he totally ignored on date listed all he responded with was that my information was no longer in his office XXXX and Delta provides students with wrongful information and students in turns pay for it again I was really excited about going back to school why would I get to six payments and stop paying all of which were always auto deducted from my account so I would never miss one. Be very careful and write down everything being told to you by whom and what time. Delta Management is responsible for miscommunication as agent didnt did n't know what they were talking about and now after paying 6 payments XXXX wo n't me to start all over again when calling to pay 7 was told they no longer had any information for me in there office and did n't know why shaking my head awful. Delta Management and XXXX wants to keep students in debt longer watch it and then for XXXX to lie stating that they never received information from Delta is crazy.

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 2015-08-04
Company: Crosstown Law, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This complain contains a report I obtained from the annual credit bureau website Where Experian with XXXX different addresses At the same time I requested to Experian to remove this inaccurate addresses from my credit report and they ignored all my disputes I live in XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or any others inaccurate addresses They must be remove All inaccurate names in 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
Consumer complaint received 2016-03-12
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a " Pinnacle Checking '' account on XXXX XXXX, XXXX, after reading an advertisement for a {$200.00} promotion. The terms of the offer are as follows : " To qualify for the {$200.00} cash bonus, within 60 days of opening your new Pinnacle checking account, you must receive direct deposits totaling {$250.00} or more. Your direct deposits need to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. The cash bonus will be deposited into your new checking account within 30 days from end of month in which direct deposits totaling {$250.00} or more are made to your account. Account must be open and maintain a positive balance in order to obtain the bonus. 

Can not be combined with any other promotional rate or reward/bonus programs. Valid only for individuals who have not had any consumer checking relationship with First Niagara in the previous 365 days. Customers may only receive a bonus on XXXX account. Customers must be residents of XXXX, XXXX, XXXX or XXXX to participate in this offer. Bank employees and members of their household are not eligible for this promotion. The cash bonus will be reported as a payment of interest in accordance with Internal Revenue Service regulations and will appear on your IRS XXXX for the year in which the bonus is paid to you. Promotion runs through XXXX/XXXX/XXXX and can be withdrawn at any time. Account must remain open for 180 days to avoid a {$25.00} Early Account Closing fee. All accounts subject to approval and applicable fees. '' I received a direct deposit of {$250.00} from my employer on XXXX XXXX, XXXX. I have not had any consumer checking relationship with First Niagara in the previous 365 days. I am a resident of XXXX. I believe all requirements of the promotion have been met, but I have not received the bonus yet. Per the terms of the offer, it should have posted by XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I was approved for a forbearance. I was informed one of the options was at the end of forbearance, they would just add the payments to the end of the loan. Each quarter they would contact me and using emotional blackmail, convinced me to continue the forbearance. Also, I wasn't making enough money to cover, so why not? 
What they failed to tell me was the principal doesn't change and they entire years worth of payments would be added onto my principal. For instance, in XX/XX/2020 my remaining balance was ( I'll round up ) XXXX. The payoff on my statement shows XXXX. My payoff if I were to refinance or sell the house is now XXXX. Why in hell would I ever approve an extra ( actual net XXXX ) increase in my principal? If my balance was XXXX, how does it now increase? They never explained that when I asked. Their paperwork does not state. 
I get it, I wasn't making payments as part of the forbearance, but the principal if I were to refinance is not XXXX higher? Thats like three card XXXX. 
The agent told me I am paying down the principal, yes no $ hit, I'm on my 3rd mortgage payment since I got a new job in XXXX. If I had known, I would have exasperated my savings, or worked 3 jobs, oh right, there was a pandemic, there were no jobs. 
Sorry. I digress. This was predatory because of my last name. 
What can I do?

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 2021-06-18
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Profit Recovery , Inc. is falsely harassing me and trying to collect {$72.00} + Interest despite, I have clearly explained why I do not owe any money to their client by a letter on XX/XX/21. Can you please help me stop this harassment as they do not seem to understand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Paypal Holdings, Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
A company called XXXX called me at XXXX on XXXX XXXX, 2016. They do not leave a message, call repeatedly and have finally called late at night last night. I do have some past due bills but have been working with the companies to repay, but do not know who or what company this call is for. It has become ridiculous trying to keep track of who is calling for whom and why. 

Please let me know what I can do to stop this nonsense! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XX/XX/2017 I ordered three items on line from XXXX and XXXX Order # XXXX. I used my PayPal account to pay for the transactions. I did not receive any of the items that I ordered by XX/XX/2017 so I called the company. They said they did not have the hat. PayPal had already billed my credit card. The company then sent me the top and necklace but not the hat. I contacted PayPal to dispute the charge on my credit card when the seller had not sent the item, did not have the hat in inventory, and refused to let me cancel the order for the hat. PayPal told me they were handling the matter with the seller. They gave the seller 10 days to answer the complaint. I talked with people in the XXXX in the customer service who did not understand the problem and did not try to help with a resolution. Today I received an email from PayPal telling me that in order to cancel the hat I have to, at my own expense, return the top and necklace, otherwise I have to allow the billing for the total amount of the order ( {$200.00} ) and they do not have to fulfill the complete order. This is a total ripoff of the consumer. They should not be allowed to do this to consumers!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, we have fallen behind in our mortgage loan and Ocwen Loan Servicing LLC, is the servicer for the loan. We have applied for a Loan modification, submitted all of the documentation to Ocwen and they are stating that the process can take 30 days. The only way to get answers is by making scheduled appointments with a designated Relationship Manager who is only available by appointments. In the meantime, the bank, XXXX has foreclosed on us. I have explained to Ocwen that the Bank has foreclosed and they said to me that they have no records of this information. I contacted a forecloseure lawyer and with his help he did confirm that they did start the Foreclosure. How is it possible that Ocwen does not know. Moreover, why does their loan mod process have to take 30 days. I do not want to loose our home. We have been living in here for the past 15 years and we are back on track with both of us having full time jobs. We are capable of paying our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have previously requested that Experian remove a public record from my credit report as it has been over seven years. This was a state tax lein from the state of Alabama. This tax lien is not even mine! I filed separate returns when I found out what she did. This tax lien belongs to my ex-wife whom i divorceddivorced in XX/XX/XXXX. She has since passed away on XX/XX/XXXX from XXXX XXXX. The other XXXX credit reporting agencies have already removed this item voluntarily, but not Experian. How long is my former spouse going to punish me for divorcing her? The Consumer Credit Agency laws clearly state this should be removed after seven years except for bankruptcy. I would like to know what motive does Experian have to keep this on my credit report? Furthermore Experian had a duplicate tax lien on my credit report and it was also in the county tax recotds for all to see! This is an outrage that Experian is allowed to treat consumers in such a manner! 
Yes, you may publish this in any media!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
An erroneous default judgment was filed against, The courts issued and order that canceled the default judgment on XXXX XXXX, 2016. Experian credit bureau had been reporting this on my credit report. I disputed it in XXXX 2016. I received an result of the investigation despite providing copies of the canceled order and Experian continues to have this on 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 non-monetary relief
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing inquiry 's on my credit file with Experian since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a experian representative. The rep told me the only way they inquirys could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have informed Experian that I was never late on XXXX from XXXX to XX/XX/2015. Please move these late reportings from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Carter-Young, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
CFPB Complaint Experian XXXX/XXXX/16 Account XXXX XXXX Filed a dispute with the CRA, XXXX XXXX shows account paid but failed to provide complete information. I than requested this information from XXXX XXXX the furnisher at the address provided on my credit report. ( See attached letter ) I sent this request certified and return receipt. XXXX XXXX reply was that they sold the account. ( See attached letter ) I sent my request to the only furnisher listed for this account, no other contact is provided on the Experian Credit Report, or any other credit report for this account, no address or other name. 

In the past I attempted to contact this other company XXXX XXXX, that XXXX XXXX keeps insisting I do. I sent a request to this other company certified/return receipt mail, they never responded to my direct dispute. They did however immediately take action to sue me. ( See CFPB complaint XXXX ) XXXX has already agreed to delete this account. CFPB Complaint # XXXX Company responded XXXX XXXX said : Explanation of closure Based on the complaint, XXXX XXXX XXXX # XXXX has been deleted from your XXXX credit report. In order to protect your privacy, we will mail an updated copy of your credit report as well as the full results of our reinvestigation, to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
Relief We received your complaint about XXXX XXXX XXXX # XXXX in your credit report, and apologize for any difficulty you may have experienced. The item identified in your complaint has been deleted. 

Attached : letter direct dispute XXXX XXXX XXXX. Certified/return receipt/mail, Response from XXXX XXXX, Experian Credit report and this letter of this CFPB dispute

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 2021-06-18
Company: National Credit Adjusters, LLC
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:
This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -NCA # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 have repeatedly tried to get my credit report updated. The last dispute was XX/XX/XXXX. The results were once again deemed as accurate. This account from XXXX XXXX  has not been updated since XX/XX/XXXX and is now charged off. However, this account is still showing as open and this is adversely affecting my credit score. I have contacted XXXX XXXX on several occasions as well. They indicated that the account was sold to XXXX XXXX. This was never updated on my credit report and is still showing open and owned by XXXX XXXX. I have tried repeatedly to have this corrected and this has yet to be done by Transunion.

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