BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
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:
Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I pulled my credit report, and there are XXXX inquiries, of which I did not make. I sent a letter by fax asking hat they be removed, and I also called Experian directly and spoke with XXXX. He said that I would have to have a letter from each company stating that I did not request these inquiries to have them removed.

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 2015-07-09
Company: CIG FINANCIAL LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Cig financial in California repo my car now they want money from me. They are calling my wife and me telling us if we do n't give them XXXX $ they are gon na take me to court and take my last penny. Also said that when my kids get older and work my debt is going to transfer to them. I better pay or im gon na go to jail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX college sold a XXXX debt to XXXX collection 4 years ago. No have disputed this debt with both parties I did n't get a loan from the college withdraw from class within 24 hrs. I ask for proof cause I do n't know what this XXXX is for never received it. XXXX listed this debt XX/XX/XXXX now they have reagent his debt. As reported XX/XX/XXXX. Please will you investigate this debt I ca n't get anywhere and no one is letting me know why I owe them. I filed with credit bureaus 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 explanation
Consumer complaint received 2020-01-20
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express, who I do owe money to, is calling my relatives and friends asking for me!! I have asked them not to do this and just this morning my brother called me to say they called him looking for me. This is extremely unethical and probably illegal?? 
This is the number that constantly harasses me and my family and friends. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dont have credit card XXXX XXXX XXXX in my name and Social security

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have had trouble with my mortgage company. I am in a trial payment plan, that should have ended. I have made payments on time, but yet Amerihome has not granted and the payment plan on a permanent basis. They are also reporting this account late on my credit. When I asked about the modification, I was told that they have just taken over XXXX accounts from XXXX. That has nothing to do with me. I want my modification permanent that has been long overdue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I Have Been Contacting Experian, XXXX And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A FTC Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.

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 2015-11-05
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was out of USA and i dn t understand what is that compagny and why is that amount

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 2016-09-19
Company: Meridian ARG Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: Experian Information Solutions 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:
XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

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 2017-02-17
Company: Miller, Stark, Klein and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech formerly known as Green Tree Servicing, LLC made an interest and principal payment adjustment for my XXXX 2015 monthly payment of which Green Tree Servicing has already acknowledged in the past to making adjustments and still has not been corrected. Adjustments seem to take place when I make an additional principal payment on my fixed rate mortgage that has no prepayment penalty. Adjustments of daily interest occur starting the XX/XX/XXXX and is added to the next months monthly interest. Also their website financially binds the clients and I absolutely did not agree to the Web term use. The website disclaimer reads in part, " You ( and not Ditech ) assume the entire cost of all necessary servicing, repair and or correction. The same disclaimer wording also for Green Tree " You ( and not Green Tree ) assume the entire cost of all necessary servicing, repair or correction. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I over paid my Chase credit card via bill pay by {$3600.00}. They tell me it will take 10 business days to refund my money. That 's absolutely absurd. One has the feeling that Chase purposely delays repayment in order to gain financial advantage for the bank. When you multiply all the accidental over payments, it 's a significant amount of money. It takes two days for my electronic bill pays to be received, yet it takes Chase 2 weeks to refund my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Collections Acquisition Company, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Credit Card Receivables Fund Incorporated
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call today from a company claiming to be XXXX XXXX, XXXX, from telephone number XXXX. The person speaking said their name was " XXXX XXXX. '' They claimed to be trying to collect on a XXXX debt in default since 2012. This debt is one which I settled with XXXX XXXX approximately 6 months ago in an out of court settlement. I informed them the debt had been settled and they requested confirmation of this. The e-mail they gave me was : XXXX ( very suspicious ). 

I can find no record of this company, beyond complaints about it and suspect it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Financial Data Systems
State: NC
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:
I have been trying for 2 years to have this debt verified or either removed from my credit reports. In the last 5 months alone I have sent XXXX certified letters requesting the debt be verified and for an accounting of why it says I owe the amount they have placed on my reports. To date I have not received so much as a correspondence from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Rent Recovery Solutions
State: MO
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:
This company is charging me for a debt that is not mine. I had a lease with my wife, we separated finished our lease she renewed by herself I never signed anything and I guess she broke the lease and now this company has a collection on my credit report which is wrong. I need help as I tried to resolve myself and could n't even obtain the validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Viking Client Services
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from " Viking Client Services , LLC '' stating that I owed {$1400.00} to XXXXXXXX XXXX XXXX XXXX I called XXXXXXXX XXXX XXXX XXXX and they did not have a record of this issue, and I do not have any record or receipt for the Account Number that is listed in the debt collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company, diversified adjustment has reported to the credit agency XXXX in the amount of XXXX this is a violation of the FCRA. this company has never notified me of any debt, I still have no idea who they are and why they are on my credit 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 2016-01-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Strategic Alliances, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been called again about XXXX XXXX XXXX who is using my phone no. as his. I have a case pending and now have XXXX more agents trying to collect from me. The First financhial asset management from XXXX Fl. XXXX and a call today from XXXX New York XXXX. They did n't give me there name. This has gone on now for over two years and i had my phone no over 14 years so know he is illegally useing my no. and they are harrasing me about it again. Please open a new account to stop this from going on. Thanks You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I supposedly have a debt with fifth third bank. I recieved a call from a XXXX XXXX with a XXXX saying im being sued for XXXX dollars i never recieved a notice in the mail. I dont even know what its all about. He demanded i get a prepaid card and all kinds of stuff threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
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:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: TN
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  Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/XX/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 explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Per XXXX app and XXXX XXXX, My Equifax has not updated since XX/XX/XXXX in XXXX XXXX  and since XXXX in XXXX App with my membership that show all 3 credit scores. I have called Equifax who keeps telling me that it is because nothing is being reported which is absolutely false because the other two bureaus have been reporting each month with no issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XX/XX/XXXX i was sent an escrow analysis stating that i have a XXXX, XXXX dollars escrow shortage, and that my city taxes were raised now from XXXX dollars monthly to XXXX dollars monthly, bringing my monthly mortgage payment to XXXX, XXXX. XXXX. I was originally paying XXXX dollars monthly. My township stated tht my mortage lender only paidapproximately 7000 dollars in taxes for XX/XX/XXXX. However my bank is saying that they paid them approximately11,000 dollars for XX/XX/XXXXresulting in me having to pay this. I can not afford my mortage payments anymore because my escow was so severly mismanaged. Iam the only tenant in my building whose taxes were raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I need my bank Huntington bank to approve my account information is correct so I can use the app XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I received a credit report notification saying that Portfolio Recovery Associates is reporting a Collection Account on my 3 primary credit reports. They allege I owe XXXX XXXX XXXX the amount of {$1400.00} That debt is not mine. I asked for debt verification but they can not verified the account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Credit Shows that I have 6 missed payments on all 4 Student Loans. I was in deferment the whole time. XXXX Has had me on it since they bout out the original debt. Please help update that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The account was closed on XXXX XXXX, 2013 with a balance of {$0.00}. Now 4 years later the company call me daily and harassing me with a debt I do n't own. I received letter for settlement agreement for an account closed with XXXX  balance on it as he show on my credit report. I have to blocks all income numbers from XXXX and unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX 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