BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX about this.

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 2016-08-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my loan with HSBC in XX/XX/XXXX. I 'm in the process of refinancing and they still have not released the proper book and page number. I notified them of the same in writing on XXXX and again on XXXX. They said they never received the first letter, but after speaking with them on XXXX, they said the release was recorded on XXXX. Not sure how they somehow just decided to record a release on the mortgage when they said they had never received my correspondence on XXXX and it was the same release they originally recorded with the incorrect book and page number. Have talked to them over several occasions and they still have not released the proper book and page number per my attorney. They were sent a copy of the paid mortgage listing the correct book and page number. This has caused me damges, time and money. What recourse do we have to obtain that release before interest rate rise again. My banker recommended that we file the compliant with the CFPB. There should be LARGE penalities for companies that cause these problems and headaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I reviewed a copy of my credit report today and noticed that my credit score tumbled. I took a closer look to determine why and notice that a company -- XXXX XXXX XXXX XXXX reported that I had an account with them that is seriously delinquent in the amount of {$180.00}. I have never hear of the company. I have not received any phone calls or notice from this company regarding this debt, nor have I received the opportunity from this company to verify this debt before it was placed on my credit report. I called the company and spoke with a XXXX XXXX. XXXX XXXX provided me with the account number for the debt which is XXXX. He stated the debt was sold to XXXX XXXX so he is not sure why his company is updating the debt with XXXX. I told him that XXXX XXXX is reporting the debt to XXXX and that I was planning to report his company 's behavior to CFPB he said to go ahead. I called XXXX to file a dispute and XXXX agreed that it is strange that XXXX XXXX XXXX would sell the debt then turn around an report it on XXXX XXXX, 2015 on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This credit reporting agency failed to provide proof of their investigation of all inaccurately listed bankruptcy filing. I have not received any bankruptcies petitions showing my signature. 

enclosed is a letter from my court clerk showing that I do not have any bankruptcies filing in their record. 

The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear grave responsibilities, 15 U.S.C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The grave responsibilit [ y ] imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute.

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 2016-03-13
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Payoff process

Complaint:
American Express will not allow me to pay off my just-assessed {$75.00} annual fee without first paying off the $ XXXX+ balance covered under a special 0 % APR for purchases I have made. I was not prepared to pay that off until XX/XX/XXXX expiration of that offer. While this 0 % rate does n't expire until XX/XX/XXXX, AMEX tells me to pay off the annual membership fee, I have to first payoff all purchases made ( {$4700.00} ). Further, they tell me I have no ability to allocate funds from my {$150.00} payment just now -- toward paying off the {$75.00} annual fee which is collecting XXXX cents in daily finance charge ; but AMEX refuses to announce when a fee will be assessed, nor allow me to payoff the {$75.00} fee in advance. I can not touch the annual fee even though, in writing, telling them {$75.00} of the {$150.00} payment ( min. due {$47.00} ) I just made is to be allocated toward the annual membership fee. Seems deceptive and a " gotcha '' way for AMEX to collect XXXX cents a day until I can payoff my entire balance. I thought the CARD Act allowed me to allocate payments how I see fit, for any amount over the minimum payment due, to any bucket of fees or charges on the card?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-24
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
After being fully discharged from a Chapter XXXX bankruptcy, and XXXX loan representatives signing legal documents that the debt had been cured, Seterus, Inc. has failed to fully discharge the account, complete " cram down '' and issue me a Full Reconveyance. I was only made aware of this lien when I ran a credit check listing Seterus , Inc. as a stakeholder. I question the legalities of all practices, I have provided the company with formal dispute and court documentation which they have failed to comply with. I have been given conflicting information from, rude and ill trained representatives. I have been assured several times over that an " expert '' whom I have XXXX access/communication with is working on my case. I have been hung up on or disconnected after hours of being on hold, only to speak with a representative of a department that I did n't even ask for. I do n't understand why a company like this is still able to practice and take advantage of people who are already consumed by other financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Genesis Lending
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
im a former XXXX student in XXXX MA. i took out a loan i was promised job placement and never received it. now im stuck with a loan that i can not pay back. please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: First Advantage LNS Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Collection at Law, Inc. A.P.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from an attorney claiming that he will help with a law suit filed by XXXX XXXX bank for unpaid debt. I never had debt with XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was XXXX at XXXX XXXX XXXX of XXXX XXXX California. Had difficulty paying the debt to the hospital or organization in which the debt originated, but had paid some of the amount in the beginning at the beginning of the agreement. Was XXXX twice since diagnosed in XX/XX/XXXX and again in XX/XX/XXXX that led to XXXX and being out of work for 4-months. Debt was turned over to USCB America who has been receiving the debt since around XX/XX/XXXX to present. They were deducting funds from my account on some months twice where i was n't informed, and since the last conversation XX/XX/XXXX they are claiming that they have n't received any payments and now only willing to settle if I pay half of the interest which was never agreed upon. It 's not a whole lot of money, but I hate feeling like we as consumers have no rights. I spoke with one of there staff members on XX/XX/XXXX, who discussed the payment history with me, because the first two payments made, they claimed they had no knowledge. Any assistance would be appreciated. I just want to get debt settle prior to the new year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX has taken an excessive amount of time to process a loan request for her client, which in turn is holding up XXXX closings contingent on closing this loan, which I am the seller. She has assured everyone involved that this loan is moving as fast as possible yet we seem to be getting no where. Every loan down the line is approved and waiting on XXXX XXXX to do her job in a timely manner. She has given XXXX possible loan closing dates with none going through. Now we are in the XXXX season and everyone expected to be moving into homes before XXXX which does not appear is going to happen. She does not return phone calls, text or messages. She sends one reply after hours so no one can contact her. Her client is upset, I am hot. Does this woman realize that she is affecting numerous loans and lives that are all contingent on her doing her job. We are losing locked in interest rates, past contract dates etc., and she says we should be able to get them extended because she extended her clients. It should not have to come to that and and it would n't if she would have been on the ball from the beginning. If she has to many responsibilities maybe she should be relieved of some so that the loan can be processed in an efficient manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Coastal Financial Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The fees associated with Hunnington are very high and not necessary. Since XXXX of 2015 Hunnington made a mistake on double charging debit card holders one weekend. They did fix the fees associated with the account. But since then we have incurred lots of fees that have financially ruined my income and life. In XXXX there were almost {$700.00} in fees, XXXX {$500.00}, and who knows what I am accumilating this month. 
The customer service I am recieving is " there is nothing we can do about this '' they are telling me to watch my account better and use my ledger better that is all. 
I have been lied to from the customer service representives and then still charged fees and the bank refused to correct them. 
XXXX XXXX - I asked if the deposit on the XXXX would cover any negative charges. The customer service advised that I was in 24 hour grace and there would be no fees. So I found out I had XXXX {$37.00} fees the next morning. 
I called and asked them to waive them, they said I am not elgible. I was told to go to the branch and do a " Force Pay '' and went to the branch. Guess what they said they could n't do the " force pay ''. So I was lied too XXXX. in that XXXX instance. 
Other promises and lies are " pay this now so no fees get incurred tomorrow '' So I deposit the balance. Wake up and there are the fees. The same run around after numerous supervisors and chats. " Sorry your not elgible for any more fee reversals ''. 
I have lost upwards of {$1100.00} in fees in 3 months with this bank. They have charged a {$37.00} fee for a {$1.00} transaction. These are irreprehensible and I can not get any solution. The Michigan Attorney General suggested I reach out to Consumer Finacial Protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX

Company response to consumer: Closed with explanation