BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: URS Holding, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I live in Florida, and I am currently under garnishment to XXXX. Over 12 years ago, after a spotty payment record, I contacted them to set up a payment plan. They said if I paid {$150.00} a month for one year on time, then my loan would come off my credit report and I would be in good standing. 

However, at the end of the year and XXXX on-time payments, they then said they I had to pay {$400.00} a month! I told them I could not pay that amount, and they said if I did n't, they would garnish my wages. I later found out they were supposed to negotiate an affordable payment in good faith, but they never did. The garnishment was initially 10 % of my salary, which was about {$300.00}, so I figured I would let them garnish my wages & it would get paid off. However, the garnishment was later upped to almost {$400.00} as a new Florida law allowed them to college up to 15 %. I have been paying between $ XXXX {$400.00} a month for over 12 years. 

At the time of the garnishment, I owed {$31000.00}. I have been paying for over 12 years, and now I owe over {$36000.00}. When I contacted them over a year ago to find out my balance, they wanted to to verify various phone numbers and addresses that I may have had for over 10 years. Some of them I did n't not recognize, but may have been addresses for my husband. We are still legally married but have n't been together for over 13 years so I do n't know all of his former addresses and phone number. Because I could n't verify every single one, they would not let me do an address change or send me a statement to see what I had paid. They said they were being nice by letting me know my balance over the phone - {$31000.00}, which is exactly what it was when they started garnishing my wages! They also offered to make me another loan! I asked them why would they make another loan if they have to garnish the one I already have? 

The sad thing is that, if my loan had been rehabbed, in 1 more year I would be eligible for loan forgiveness for working for XXXX. Right now I am eligible for nothing & there is no end in sight. I talked to a clerk at an attorney 's office who had sent a bulk email about my servicer, XXXX XXXX XXXX, doing robo-calls. She said they can keep garnishing your wages, and she had a sister who tried to pay off her garnishment but was refused. They make more money charging you monthly, and she said she will probably be paying this the rest of her life. 

I do n't know what else to do. Do I have to keep paying this amount for the rest of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
To avoid any unnecessary delay tactics from Transunion, such as stating this complaint is not coming directly from me the consumer. I have attached my I.D below to prove this is a direct consumer complaint. If Transunion believes this complaint isn't coming directly from me the consumer, they must provide proof with documentation to validate this claim. There are several inaccurate and unverifiable accounts Transunion is reporting on my consumer report in violation of the FCRA. I have mailed several dispute letters directly to them. This includes a dispute letter from over 60 days ago and a demand to comply letter, both of which received NO response. Additionally, I have attached these two letters below which outline all the false negative accounts and relevant correspondence dates. All letters were sent using USPS certified mail giving me proof they were delivered on time. These false accounts currently reporting on my Transunion credit report are deeply frustrating and is a violation of the FCRA. According to the law all false and/or unverifiable data must be deleted. I implore the CFPB to help hold Transunion accountable and not let them delay solving the real issue here.

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 2016-08-11
Company: JP RECOVERY SERVICES, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
JP Recovery Services contacted my XXXX XXXX XXXX in laws my husbands employer my XXXX sister and my daughter regarding a debt with a local hospital that I had a payment plan with - their unethical practices including telling my I laws and my husband employer that they were going to show up with documents - when I tried to contact them they refused to give their company name and at a second attempt I was put on hold and then sent to voice mail

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There 's a problem with my homeowner 's insurance. I purchased my home XX/XX/XXXX, and my insurance, through XXXX, was setup to be paid with an impound account through my mortgage. For some reason the mortgage company did not renew my insurance account and therefore it was canceled XX/XX/XXXX. When I went to refinance my home this year, the mortgage company saw that I did n't have insurance and added it to my account. The insurance they 've added is much more expensive than my original policy, and I do n't believe I should have to pay the added premium on the months they 're trying to back-bill me for. 

I 've reached out to the mortgage company and have not had success in getting their help. I have called atleast twenty times these last few weeks, and I have made no progress in getting this issue resolved - I 've called today four times, and I have been hung up on every time due to problems transferring, and one representative refused to to transfer me because there 's a balance on my account. 

The person I have been working with his XXXX from the insurance department. XXXX is supposedly a manager in the department. He told me that he would take on my trouble and get to the bottom of it. However, I 've been waiting for over a week for XXXX to call me back, and when I called back in to get a status I was told that there is currently no ticket open, documenting my trouble. 

I just need to get this resolved, so that my credit is n't damaged. I have a balance on my mortgage that I am ready to pay today, but I have to resolve this issue first as it has substantially increased my monthly mortgage cost. I am also in the process of obtaining my own homeowners insurance. 

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 explanation
Consumer complaint received 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To Whom It May Concern : On Friday XX/XX/XXXX my wife and I booked our anniversary trip to XXXX XXXX using our Capital One credit card rewards. The trip ID is XXXX which included 3 nights from XX/XX/XXXX XXXX XXXX. The reservation was for room type XXXX XXXX XXXX XXXX and the total reward miles was XXXX. When we arrived and the XXXX to check in, the front desk pulled up our reservation using confirmation # XXXX. They had this reservation for a standard room and not the XXXX XXXX XXXX XXXX. Their response was Capital One has been selling consumers the wrong room type. Since it was my anniversary and I had traveled over 4 hours I was forced to pay cash for the 3 night stay. I have asked Capital One to refund me the amount that I paid for the XXXX XXXX XXXX XXXX. They have chosen not to do so at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is the second time this has happened in a year. 
I was charged an overdraft fee of XXXX on pending items that were not overdrafted and my account balance was positive when the overdraft fee was applied. The charging of the overdraft caused my account to overdraft and then I was charged XXXX more in overdraft fees! I understand if I truly overdraft something but these charges I am being overdrafted on for XXXX didnt even fully come in and leave pending status until after the XXXX was charged. Citizens Bank was sued for this very practice some years ago and had to return fees collected to it's customers. I am very upset as I tried to reconcile with the supervisor on the customer service line and she would not listen to me or look at my account, she only wanted to tell me the overdraft policy. I know what the policy is. She would not look at my account or hear me out that the account was POSITIVE when the fee was charged. At no time was it ever negative on my mobile app or my online account, in fact I added XXXX to make sure it would not go negative when the pending items came in as cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few months ago, I started receiving statements from midland credit management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX ( XXXX ) XXXX attempting to collect a debt that i don't owe and today I received a statement from XXXX XXXX consumer support services saying that " after reviewing all their information, that they conclude that their records are accurate ". Now, I would like for them to explain how they conclude that their records are accurate when the SSN given is 2 digits off from mine ( but the SAME last 4 digits in which thats how their getting me confused ) AND the date of birth given to me is a few years older than me ( I'm not telling how many years due to the fact they can easily figure out my birth year and amend their records ) AND that I have never had XXXX credit card from XXXX XXXX  or any other bank. But their records are accurate? Maybe the federal trade commission can shed some light on this issue for me. Thank you very much. reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are negative remarks on my report that are 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 monetary relief
Consumer complaint received 2016-05-05
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i was called on XXXX/XXXX/16 on my cell phone i returned the call to XXXX and they stated that i had a medical bill from XX/XX/XXXX, i tried to explain that i havent been to this place and XXXX insisted that i was the patient and they would not provide me with validation of the debt because the 1st collection notice was already sent and i must dispute and request this in writing. they called me again on XXXX/XXXX/16 i tried to explain that i have not received the validation of this account still as i did n't have a debt with them. they said they dont have to send me this and threated credit reporting my call was transfered to XXXX XXXX the manager and he said they wo n't send me anything unless i put it in writing the dispute. I 've tried to explain several times that i was n't the patient and had no idea

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-17
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: Old information reappears or never goes away

Complaint:
There are big differences with XXXX Scores in each bureau.

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 2018-09-26
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I recently I went to court and was ordered to pay XXXX XXXX XXXX XXXX {$320.00} for pro-rated rent. XX/XX/XXXX I have attached my proof to this complaint. The collection agency has put a crazy amount on all three credit bureau for XXXX. I do not owe this amount. I have already paid what I owed. I'm currently in the process of buying a home and this is impacting my process. I need the company to remove this collection from all three credit bureau 's. I need them to produce a lease with my signature for XX/XX/XXXX showing I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Experian Information Solutions Inc.
State: MO
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:
My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have  either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX  {$31000.00}

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 2022-02-21
Company: ENCORE CAPITAL GROUP INC.
State: MI
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:
The account with MIDLAND CREDIT with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the Bureaus have conducted a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX  has reported a fraudulent address to credit bureaus and I am in the Missouri Secretary of State SXXXX XXXX XXXX XXXX. Refer to Missouri Statues Chapter 589.

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 2022-08-04
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After changing my phone number, I don't have access to my account anymore, because the bank sends a code to the phone number on file each time when a customer tries to log in. KabbageXXXX wouldn't even send me account statements. I have informed them several times that I have changed my phone number but they seem to ignore it. 

I sent them a written request on XX/XX/2022 to either change my phone number or to close my account. Today, on XX/XX/2022 I received a message on my new phone number from a lady with the name XXXX acknowledging that they received my letter and asking me to return her phone call. When I tried to return her phone call, someone else answered and refused to transfer me to her. This lady who would not identify herself also refused to discuss my written request to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: MS
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:
This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is done by me. Experian did do an investigation and responded by saying they did not believe I was responsible for summiting the claim, which is an insult to my intelligence and ability find information given by the FCRA.

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 2020-08-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  We have YET ANOTHER PROBLEM WITH SLS -- -- -- -- THIS IS OUR FOURTH ( 4TH ) CFPB COMPLAINT AGAINST SLS IN ALMOST AS MANY MONTHS -- -- -- This is NOT a duplicate complaint. 

We have had to re-email the SAME DOCUMENTS MULTIPLE TIMES -- -- SLS claims they only receive one attachment when there are multiple attachments. This is clearly another attempt to defraud their investors and their own clients. 


-- -- -- -- -- -- -- The INCOMPETENCY of this company is RIDICULOUS. ********************* They were just nailed for committing loan fraud and violations of their servicing agreements See attached Consent Order -- -- -- -- - Apparently they are going to continue to commit fraud regardless of how much they are fined. SLS HAS ALREADY BEEN FINED FOR THESE SAME ISSUES, YET THEY KEEP VIOLATING FEDERAL AND STATE LAW. THEY OBVIOUSLY THINK THEY ARE ABOVE LEGAL RAMIFICATIONS FOR THEIR ACTIONS. WHEN IS SOMETHING GOING TO BE DONE ABOUT THIS? 


-- -- I have attached the documents here to this complaint as that seems to be the only way to get SLS to accept and process the documents they need for the short sale. Also attached is our authorization, as it seems to be the new excuse SLS uses in order to not address complaints made against them. -- -- -- - I expect this file to be moved forward appropriately and 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 2016-08-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX a debt collection agency added an alleged delinquent account to my credit report for a medical bill from XXXX. I had medical insurance at all times and all bills that were submitted as a claim were paid by my insurance company. There was no claim submitted to my insurance for the bill they are claiming is delinquent. I am not responsible in NJ for a medical claim that was not submitted in a timely manner by the provider. 

I have called the agency but they refused to remove the debt from my credit report. The agency is Remex, located at XXXX XXXX XXXX, NJ XXXX. Their phone number is XXXX. The alleged account number ends in xxxXXXX. The charge amount is $ XXXX.My health insurance company, XXXX XXXX XXXX , has no record of a claim being submitted for XX/XX/XXXX for me from the provider, Immediate Walk-In of XXXX, NJ. 

This same company did the same thing to my son about 2 weeks ago for the same alleged debt type and the same amount. He paid the account charge of {$91.00} by credit card because he didn't know how to dispute it. This alleged debt also should have been paid by medical insurance but only if the claim was filed by the provider.

Company response to consumer: Closed with explanation