BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi ... .I have had to report issues to TRANSUNION , XXXX and XXXX numerous times. XXXX XXXX XXXX continues to attempt to collect a debt from me that is not mine. XX/XX/XXXX someone got a cable service in my name. I did not even have a drivers license.I was born in XX/XX/XXXX. I was not old enough to have this type of bill at all. The reporting company is XXXX. I have told them and they do nothing about it. I also have a medical bill which is not mine from XXXX XXXX XXXX. This is not mine and needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My loan was in deferment/forebearance and XXXX reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains. I contacted Trans UnionXXXX and XXXX and they said they were going to contact XXXX and nothing ever happened.

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 2016-06-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Fell behind on my student loan payments and have not been able to catch up due to other living expenses.

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 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Delbert Services
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/XXXX I applied for this loan via phone @ ( XXXX ) XXXX with Western Sky in the amount of {$2600.00}. W. Sky charged a {$75.00} processing fee. I faxed ( XXXX ) XXXX all of the required documents to a rep. by the name of XXXX ( XXXX XXXX XXXX on XXXX/XXXX/XXXX. The money was deposited to my account on XXXX/XXXX/XXXX in the amount of {$2500.00}. My payment schedule is as follows : One payment on XXXX/XXXX/XXXX in the amount of {$120.00}. Beginning XXXX/XXXX/XXXX ( 47 ) monthly payments@XXXX. MY APR IS 139.13 %. MY TOTAL PAYMENTS WILL BE {$13000.00} BY THE TIME I AM FININSHED PAYING THIS LOAN OFF ( XXXX/XXXX/XXXX ). Account Info : Account # XXXX Western Sky Financial , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. I later received a pamphlet in the mail with Delbert Services. I do not remember when I received the pamphlet. I did not know who they were. The pamphlet stated that the loan had been assigned to Delbert Services Corporation. It also contained my account number, and payment details. I went to their website www.DelbertServices.com, put in the required information and low and behold their was my loan info from Western Sky! Their address : Delbert Services Corp., XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX. Then on XXXX/XXXX/XXXX when I checked my bank account statement I saw a withdrawal from XXXX. I had no idea who this was! I then read my email that stated cash call would be making a withdrawal in the amount of {$290.00}. I realized from the amount that this was part of Delbert Services. XXXX has been making withdrawals from my bank account since XXXX/XXXX/XXXX in the amount of {$290.00}. As of XXXX/XXXX/XXXX I will have paid {$7700.00}. I have never been delinquent on this loan. This is the latest email that I have received : XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Loan # XXXX Dear Borrower, This letter is to remind you that your scheduled payment of {$290.00} will be electronically withdrawn on XXXX/XXXX/XXXX XXXX XXXX. Please make sure funds are available for this transaction. Pursuant to your loan documents, a fee of {$29.00} will be charged for any returned payments. If you have any questions, please contact our customer service department at ( XXXX ) XXXX. Sincerely, XXXX , XXXX . 
This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Transunion did not remove the item from my credit report. Transunion did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Transunion to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.

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 2017-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
FIRST THIS IS NOT A REQUEST FOR ANY FREEZES OR SECURITY ALERTS TO BE PUT ON MY FILE. 

TRANSUNION CREDIT IS IN VIOLATION OF THE FCRA. SPECIFICALLY SECTION 609. I RECEIVED A NEW CREDIT REPORT TODAY AND THERE ARE XXXX ITEMS STILL REPORTING THAT THEY CAN NOT VERIFY BY THE LETTER OF THE LAW. 

1. XXXX. THIS ACCOUNT SAYS IT HAS BEEN CHARGED OFF. I CONTACTED XXXX MYSELF AND THEY COULD NOT LOCATE AN ACCOUNT FOR ME YET TRANSUNION REPORTS IT AS A NEGATIVE ACCOUNT. I HAVE ASKED THEM TO SUPPLY ME WITH THE SIGNED APPLICATION FROM XXXX AND THEY REFUSE, ALL THEY DO IS SAY IT HAS BEEN UPDATED. SECTION 609 OF THE FCRA SAYS THAT THEY HAVE TO HAVE ON FILE THE ORIGINAL SOURCE DOCUMENT TO PROVE VALIDITY OF THE ACCOUNT AND THEY DO NOT HAVE IT AND YET THEY KEEP REPORTING IT TO SIMPLY HURT ME FINANCIALLY. THEY ARE BREAKING THE LAW. 

2. XXXX : CAN NOT VERIFY THIS ACCOUNT, NO CONTRACT WITH MY SIGNATURE ON IT AND YET TRANSUNION KEEPS IT LISTED AS A NEGATIVE ACCOUNT. THEY ARE ONCE AGAIN BREAKING THE LAW AS THIS ACCOUNT CAN NOT BE VERIFIED PER SECTION 609 WITH PROPER SIGNED DOCUMENTATION. BECAUSE I NEVER HAD AN ACCOUNT WITH XXXX. THIS ACCOUNT IS NOT MINE.

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 2017-03-02
Company: Paypal Holdings, Inc
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I contacted PayPal to inquire as to why a transfer of funds was " Pending '' and not sent. I was informed by " XXXX '' that the funds were in fact sent but were currently " at the Federal Reserves so they can confirm the money and the bank account are [ mine ] through the Federal Reserves clearing process. '' I asked to speak with a manager and proceeded to hold 10 minutes. Once the manager, " XXXX, '' got on the line she stated PayPal no longer had the funds and that there is a 3-5 day clearing process by the Federal Reserves. I stated the Federal Reserve does not " hold '' funds as it is an automated clearinghouse function. XXXX stated PayPal does not hold any funds. Before disconnecting I confirmed what I learned from my inquiry was PayPal sent the funds to the Federal Reserve and the Federal Reserve currently had my funds to confirm they were actually mine and my bank account was actually mine. XXXX confirmed this was accurate. I stated I would be contacting the Federal Reserve. 

Following the call I contacted the Federal Reserve and was told " PayPal continually tells customers money is being held by the Fed. '' I also learned there is a max of 2 days to hold funds. I inquired about who governs PayPal and was told the CFPB. Once I disconnected from the call I logged back into my PayPal account and the transaction was magically marked " Completed '' and no longer " Pending. '' Can you please explain how UDA ( A ) P would not apply to this situation? Is this not an example of a misleading act ( or even practice given the statement made by the individual with the Federal Reserve related to PayPal continuing to tell customers the Fed is holding their money )?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?

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 2017-01-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XX/XX/XXXX the collection company " XXXX '' was removed from my credit report due to a credit dispute that i initiated. Upon looking over my credit report XX/XX/XXXX I have noticed that the collection was placed back on my credit report by Equifax without any notice to me at all of the collection be placed or going to be placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EOS Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Concord Resolution Inc (Closed)
State: OK
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
A PayDay Loan Company is trying to send my " account '' to collections and Concord Resolution Inc contacted me on their behalf attempting to get my SSN, Bank Info, ect. 

XXXX. I have n't received a PayDay Loan. 
XXXX. None of this shows in my credit report. 
XXXX. Concord Resolution keeps calling me incessantly with an automated message to call them and " file a formal statement on my behalf ''. 
XXXX. They are n't giving me the name of the Pay Day Loan Company that is supposedly launching this complaint. They are just threatening me to try and obtain my banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: FIRST REPUBLIC BANK
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am constantly receiving " Notices to Foreclose '' because my lender, First Republic Bank, is not managing my loan properly. I make monthly payments and they apply them to reduce the principle of the loan instead of making the monthly payment as intended. Out of frustration, I set up my monthly mortgage payment as an auto-debit through my XXXX checking account. They did n't get that processing handled either and, again, I received a " Notice to Foreclose ''. I do n't know what more I can do to get these payments made properly. I am completely convinced that they are making errors in order to charge late fees. I am concerned about their errors as it relates to my credit scores. I have owned eight homes over the last 30 years and I have never, ever had these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why? 
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application. 
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Greetings, my name is XXXX XXXX XXXX and my social security number is XXXX. I am frustrated with all three credit bureaus, because I believe my actual credit scores should be higher than they are. In the past, I have paid off several accounts, maintained my credit cards below XXXX %, maintained employment and I am not default on any student loans. In addition, no matter what I do, my credit score still remain below XXXX. I am trying to obtain a business loan for my branding and development company here in the United States. I am an American citizen but I feel I am being treated unfairly, as it relates to my credit scores. Also, all XXXX bureaus have me residing in XXXX at one time and I have never lived in XXXX. 
Please increase my credit scores with all XXXX bureaus above XXXX, so that I can obtain a business loan. And so that I may do my part in helping to keep America strong and great. 

Reapectfully, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX Jeep Cherokee through Ally Bank on XXXX XXXX, XXXX. The Capitalized Cost Reduction, as shown on the lease contract, was {$7000.00}. The Adjusted Capitalized Cost at the beginning of the lease, and the total amount financed by Ally Bank, was {$26000.00}. 

On XXXX XXXX, XXXX the vehicle was stolen and was later recovered with damages. The vehicle was then taken to XXXX XXXX in XXXX XXXX to be repaired. On XXXX XXXX, XXXX, the vehicle was involved in a fire at XXXX XXXX and was deemed a total loss. 

The lease contract clearly defines the Unamortized Capital Cost of the vehicle as being synonymous with the lease payoff amount prior to the end of the lease term. Using the formula provided in the lease contract, the lease payoff at the time of the total loss was {$25000.00}. 

On XXXX XXXX, XXXX, XXXX XXXX determined the Actual Cash Value of the vehicle at the time of loss as being {$28000.00}. On XXXX XXXX, XXXX, XXXX XXXX faxed Ally Bank a request for a Letter of Guarantee with a settlement amount of {$25000.00}. 

Rather than sending the Letter of Guarantee, Ally Bank stated that they would need to see the vehicle valuation report before issuing the Letter of Guarantee to insure that the settlement amount was for the full Actual Cash Value of the vehicle at the time of loss. 

Ally 's Total Loss Department claimed that, per the terms of my lease contract, the insurance company owed Ally Bank the full value of the vehicle so that Ally could replace their car. However, nowhere in the lease contract does it say in the event of a total loss that Ally Bank would be owed the full Actual Cash Value, the full Fair Market Value, or the full settlement amount paid by insurance. 

After receiving the vehicle valuation report, Ally Bank felt the valuation was too low and demanded the valuation be increased before they would issue a Letter of Guarantee. On XXXX XXXX, XXXX, XXXX XXXX provided Ally Bank with an increased vehicle valuation of {$29000.00}. 

On XXXX XXXX, XXXX, Ally Bank finally provided XXXX XXXX with a Letter of Guarantee stating that they would release the title of the vehicle upon receiving settlement a check in the amount of {$29000.00}. 

The settlement amount Ally Bank received for the total loss exceeded the lease payoff at the time of loss by {$4000.00}. While Ally Bank profited from the total loss of the vehicle, I was left with nothing to put towards replacing it.

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