BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-07
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was harassed repeatedly by this debt collector, even after I 'd formally requested contact to cease ( was considering bankruptcy ). I reconsidered and enrolled in college to allocate upward mobility and eventually alleviate my debts. A questionably documented suit ( for which I was never served papers ) against me was filed in XXXX but no action was taken ( obviously ) until seven days ago ( MORE than three years afterward ). " Judgement '' was awarded in favor of the debt collector and my bank XXXX XXXX XXXX XXXX Bank ) allowed my ENTIRE account balance-holding my livelihood to be seized. I had contacted the collector the same day my account was frozen and informed them the entire contents of my account was from Federal Student Aid and Federal Work Study, the debt collector/attorney response was obvious irritation at his lack of legal grounds. His responses were then short, informing me to contact my own attorney before the seizure commenced. He implied there would be no action from his firm to stop the what was already set in motion. I received the certified letter of garnishment two days AFTER my account was frozen. I JUST TODAY at the end of my " grace period '' received my bank 's process of the paperwork ( which contains no state seals whatsoever ) and their decision in the matter. Currently, I am in the middle XXXX and the time limit given to me for my resolution of the issue was impossible for my success. The process of allocating legal assistance as well as frantic damage control from the impending financial ruin ( homelessness, loss of continued education, ETC. ) that seizing my entire account 's contents has caused, unfortunately has exceeded the timeframe of a week. PLEASE keep in mind the process began midweek and those seven days included XXXX weekend and this past weekend-I literally had two business days. I am NOW currently unable to feed myself, purchase the means to continue my education, and facing eviction because my account 's balance, which has ( since XXXX ) 100 % federally funded ( XXXX XXXX XXXX Bank ) account is now negative. Federal student aid and Statewide grants are EXEMPTED from garnishment! I have US federal government issued documents and statements, XXXX XXXX XXXX Bank monthly statements, financial award letters, countless emails, and numerous documents ( including but certainly not limited to the IRS, XXXX accredited educational institutions ( A prominent XXXX college and the state university ), ETC. proving the validity of my statements of this illegal seizure. My rights and welfare has been grossly violated with this POORLY handled affair.

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 2017-05-02
Company: SLM CORPORATION
State: CA
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:
On  XXXX   XXXX ,  2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : SALLIE MAE Accou nt :  XXXX  Opened on  XXXX   Amount  : {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: U.S. BANCORP
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
on or about XXXX/XXXX/2015, i requested that u s bank send me a modification package. 
owr, which I did not receive within 5 days the notification of receiving.nor a respone to my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-20
Company: Pinnacle Credit Services, LLC
State: NE
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:
Pinnacle is false reporting saying that they are a financial corporation and that I have a loan with them ... .they are actually a collection agency and it 's a collection for XXXX XXXX. I have disputed this many of times with the bureaus and they verify as accurate ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}

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 2017-05-02
Company: SYNCHRONY FINANCIAL
State: CA
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 received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at    JCPennys o n  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did . SYNB/OLD NAVY   XXXX / XXXX / XXXX  &  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from SYNCB  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.

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 2017-05-02
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX    XXXX    Experian  continues to report inaccurate negative items on my report that I have previously disput ed 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.

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 2015-10-15
Company: Comerica
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
have fraudulant charges on my card ... .did report it on XXXX/XXXX/2015. 
XXXX/XXXX/2015 they gave us a conditional credit of $ XXXX..but..on same day they took it away ... we filed XXXX-trackers as of today XXXX/XXXX/2015 we have gotten no explanantion. 
on XXXX/XXXX/2015 letter it states that they took {$190.00} back ... but ... around XXXX/XXXX/2015 they took another {$190.00} off of account..operator confirmed that she had never saw that done..but again no answer. filed another tracker plus said it shows still pending. on XXXX/XXXX/2015 talked to another operator which stated this company has hit our account hard and again..cancelled card again..they never stopped these fraud charges ... .so far direct express was suppose to give answer within 90 days..which was XXXX 2015 and has not. so far they have taken $ XXXXx2 plus over XXXX in fraudulant charges from XXXX, just now got that info waiting for verification letters tyo come in mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Pinnacle Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: SC
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 behind by over a year in payments and was not even aware this had happened. I called Navient to explain to them that I was unable to pay what they were wanting every month and if I had any options in lowering the payment or even a forebearance. I was hung up on. 

I tried again a month later and the best they could do is a temporary forebearance. So I took it. Now my income driven plan is ending so I called to discuss renewing it. I make the same amount of money as last year and was told that I was n't eligible and again I was hung up on. With XXXX dependents with major health issues and a stagnant income I ca n't afford full payments. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Pinnacle Credit Services, LLC
State: UT
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:
I found a bill for Pinnacle on my Credit Bureau. I contacted Pinnacle with no response. I disputed with the collection agency, who state they verified the debt. I then contacted the original creditor with all of the information on my credit bureau report and was told that they do not have any information on me! A debt validation letter was sent on XXXX/XXXX/2015 with no response as of today, it has been XXXX days with no response and it is STILL on my report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Pinnacle Credit Services, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The date of the debt for first delinquency is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a letter stating I owed a debt from Credit Collection Bureau. Starting receiving phone calls regarding the same debit from United Legal Group as well. I responded to the debit collection letter from Credit Collection Bureau requesting verification, and cease and desist communication via phone. Both companies did not respond back, the information was then placed on my credit report, and United Legal Group has begun calling. Received call on XXXX/XXXX/16, told them I requested verification and a cease and desist, and the rep " XXXX '' stated I needed to fax it in as well, I requested on the phone again about verification and cease and desist calling me, and she refused stating nothing will change till I fax over the information stating " We received your letter, however you need to fax it as well ''.

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
Consumer complaint received 2017-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On  XXXX   XXXX , I discovered  XXXX   XXXX   XXXX   XXXX  was re-inserted onto my credit file. You are required to notify me within 5 days of re-inserting a previous deleted item. I did not receive a notification. Please delete this immediately.

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 2017-05-02
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Yesterday I received a call from NAVIENT because I was supposedly {$90.00} dollars past due and they called be to make a payment arrangement I told them my payments were on time and I did not have to make any payment until the  XXXX  of  XXXX , they told be that my payment from  XXXX  was reversed to my bank and I told them that my bank does not accept reverals because I have the  XXXX  account and once the bank makes the paymeny it automatically deduct the money from my account, the  1st  person I spoke to was very demanding saying that I have federal loans with them and did not let me talk, the 2nd person told me he did not know that and my payment was reversed for  XXXX  $ and I have a federal loan with them. I told him that I paid  XXXX  $ on  XXXX   XXXX  and  I donot have federal loans.with them because I only have privateloans. I spent  4  hours on the phone with the  3rd representative explaining the situation that on  XXXX  they said my student had a balance for  XXXX  for {$140.00} and from  XXXX  on they were going to increase because even I am fullimte graduate student I maxed out the deferment time and by  XXXX  my loan was going to increase which they had to give me the lowest I could pay which was  XXXX  $ and they told me I could make several payment if I can not pay the full amount of {$230.00} as long I do not pass the deadline to pay.     For  XXXX  I made  XXXX  payment an sent  XXXX  $ total, for  XXXX  I did the same and sent {$230.00} before the  XXXX ,  Yesday  my account appeared as past due. I do not know what they did but now I 'm supposedly have to pay {$150.00} for  XXXX  but today I just received a delinquency letter for the amount of {$240.00}. and the letter was sent to my cosigners again when my loans are on time and with no delays.     The have a lot of people putting their fingers on the accounts, they call you and said the payment was reverse and whatever comes to their mind and they put your account on past due even if the account is on time. They should not have people with no knowledge managing these accounts and they continue messing with my credit and my cosigners credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: Progressive Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Progressive Financial Services XXXX Inc. and I agreed to the minimal payment of {$5.00} a month on an overly inflated student loan total of {$59000.00}. I work 20 hrs a week at $ XXXX. I pay rent, phone and the IRS. I can barely buy food. I was told that I was eligible for the {$5.00} a month plan. So I faxed them a doc of income, pay stubs and references as they requested only to get a phone call saying that my monthly payments will be {$27.00} a month instead. I told them that 's not what we agreed on and I can only afford our original arrangement and the agent kept trying to " talk '' me into it and threatening to garnish my wages if I do n't pay the {$27.00} a month. I told them no deal and now they are constantly calling me, several times a day, at all hours of the day and never leaving a message. 

I thought that if I offer what I can pay and they accept that, they would finally get off my back and take my loan out of default. Not try to reel me in under false pretenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
So far this morning they called me at XXXX, XXXX, and XXXX. I am currently at work and unable to answer the call and as I am typing this at XXXX, they are calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is stating I owe a debt of {$260.00}. I repeatedly disputed this claim several times via mail over the past 2 years because this is not my debt and fraudulent activity with this account. I have never signed a contract or even received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt .

Company response to consumer: Closed with non-monetary relief