BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I enrolled for a payment plan with discover after they failed to inform me that my payment was returned by a bank account that was close. The automatic payment that discover set up was XXXX dollars and the payment was made on XX/XX/XXXX,  which was the due date. Discover failed to mention that this payment plan would not cover the full past due balance. On XX/XX/XXXX they reported a 30 day late payment. When I signed up for the payment plan they did not mention anywhere on the plan that the past due balance would not be cover and that I would have to make an additional payment. If i was aware of this I would have made the full payment on my own. I signed up for the automatic payment so I would not have to worry about being unware of a late payment again. 
I called discover explaining this to them and they said there was nothing they could do. I even said that I would make the missing portion of the automatic payment now and they stillsaid that there was nothing that could be done about the inaccurate reporting. I am reporting in hopes that you can remove the 30 days late as I was clearly unaware that the automatic payment would not cover the full past due balance. 

XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX NY XXXX social security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: U.S. BANCORP
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
US Bank reported a credit card in my name that I do not recognize nor never applied for.

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 2021-08-31
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
To Whom it May Concern : I am contacting the CFPB for a fraud I reported to my bank, who shall not honor the transaction in first place and refused to take any action for it. 
I wrote the check, as ( Screen Shot XXXX at XXXX XXXX.png ) shows, to the payee, XXXX XXXX for XXXX XXXX, dated the check - XX/XX/2021, for tuition that is due XX/XX/2021. 
However, I found out a couple of days ago, that the check was altered, as the enclosed image shows ( Screen Shot XXXX at XXXX XXXX.png ), with an altered date, XX/XX/2021. I understand the bank has the right to deposit prior to that date, but not if the check is altered. I contacted the payee right away and warned that it is a criminal offense to forge a check. The payee denied the wrongdoing, and claimed its the bank that altered the check. 
As a person majored in Banking law, I treat such issue seriously. So I called my bank, Santander, this morning, for over an hour. I explained to them patiently and politely that it should not accept the check in first place, and at least for now, they should void this transaction, and file a claim against the payee bank for the fund for me. I refrained myself to advise them to do an internal audit for their operation practice, and of course they did not give me the honor and opportunity. They just blatantly denied me any repercussion. After being put on hold, politely requesting to review by a supervisor and getting the same answer, the conversation was over, as below screenshot shows, when the conversation was ongoing. 
I tried to solve this issue with Santander, and apparently it wont go anywhere, even when I told them that I will escalate to the CFPB. 
The fund is not in a great amount, but I could imagine consumers without knowledge of the UCC, banking regulatory rules and agency, or the way to file the complaint. What are the remedies for them in such violation? 
Thank you for reviewing my complaint and I am looking forward to hearing back from you the result. 
Best,

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 2017-02-14
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed money from XXXX to get me through college and borrowed {$30000.00}. Fast forward 9 years out of school and I owe them {$32000.00}. I have continued my payments through out those 9 years and have nothing to show for it. I went on an interest only plan and they kept that going for 5 years. At the time I thought I had lowered payments because I was struggling. Now they jumped my payments up to {$460.00} a month and it 's difficult to cover. Why would they let that go for 5 years with the only letter coming one month before they spike up the charges. And on top of that, it was very difficult to find someone to talk to about my situation. It 's not easy living paycheck to paycheck and to add all this on top of it. It 's dragging me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Physically signed a letter with the apartment complex itemizing what I was paying for which included a garage. This was for a short-term lease ( 9 months ) XXXX Apartment sold and under new management XXXX XXXX Moved out of an apartment after paying for the full month back in XXXX XXXX Email response to the new management to their claim that I owed an additional {$380.00} XXXX Notified by National Credit Systems that the alleged debt is now under collections XXXX Letter to NCS regarding their information appears fraudulent and I disputed its accuracy. That agreement showed no garage was being rented. 
XXXX Notified by XXXX  that they are reporting this ( disputed ) collection in my credit report. 
XXXX Talked to XXXX  about this disputed issue being reported. I was told they blindly accept any agency 's claim as being truthful and accurate. They bare no responsibility to even ask if claim is disputed. 

My attempts to talk to NCS about results in the same way, they ask if I am going to pay or not. I told them " no it is a disputed claim '' and they immediately hang up. They refuse to listen as to why. In my opinion NCS is using the credit reporting agency as leverage to force payment ( bullying ). And XXXX  has no idea what records the agency is withholding from them such as the consumer is disputing this claim. They blindly trust the agencies as the claim is both accurate and not contested.

ALL Credit Reporting Agency 's must take a simple step to ensure the claim being reported to them is not being contested by the consumer by simply asking that very question. Truth and Accuracy matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have 2 mortgages on our home. The 2nd mortgage was discharged in a bankruptcy and according to the company it has been written off. We had damages to our property which was covered under our XXXX  XXXX XXXX XXXX They wrote the checks to our first, second mortgage company and to us. We forwarded the checks to Shellpointe Mortgage Servicing and without our knowledge or signature they deposited the checks. We are now left with no funds to repair our damages and the first mortgage company is saying we must repair the damage in 60 days. When we contact Shellpoint  they always say we can't find your account etc until you get the right person. Basically they have fraudulently taken the funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a notification that some company by the name of amsher collection had added an ac count to my credit reeport. I have no clue who they are. they have not sent me a piece of mail allowing me to dispute or to say yes or no I am familiar with what they are talking about. I don't have a clue as to what they are talking about or who this company is that they claim to represent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Pendrick Capital Partners Holding, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got multiple calls from company named " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a medical bill payment scam. They are trying to scam me for paying a medical bill i do not owe. I don't know how they got access to my medical record and believe they have stolen the medical records. They say to have sent the medical bill but i have not received it on my mail. They called me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". 

The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXX  XX/XX/21 XXXX XX/XX/21 XXXX XXXX  XX/XX/21 Have contacted transunion and creditors on multiple occasions to remove these from my report as they were not authorized. Creditors will not supply any proof to validate inquiry or delete. Transunion refuses to delete.

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 2016-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been attempting to pay off my house mortgage. For the last year I have paid large amounts of money payments toward the principal. If I missed a month I was assessed a late fee even though I was well ahead of scheduled pay off. On XXXX XXXX, 2016 I submitted a payment that covered all the money owed on the statement. XXXX XXXX, 2016 I received a statement stated I had a XXXX Balance, XXXX XXXX, 2016 I received a statement statin I owed {$140.00} and that I needed to wire the money. The XXXX XXXX, 2016 I received stated I now owed {$390.00} which included {$13.00} for a county recording fee which I understand. 
When I called customer service I could not understand the representative and asked for one that spoke English. The second representive 's English was just a bit better. When I ask her why the amount owed had risen so much she had an off line conversation and got back to 15 minutes later saying " INTEREST ''. My response was {$170.00} interest on a statement that said {$140.00} five days before. " YES INTEREST '' I requested to talk with a different Representative that could explain the bill. I received XXXX who found some issues and concluded the bill was {$170.00} today. I asked him if he would accept a check and he said yes but that it would cost me an additional {$20.00} because it was not with the same back and that I would need a little extra because the bank would hold it for 10 days. XXXX did an excellent job. 
My complaints : That the customer service personnel were not trained " INTREST '' is not an explanation as an answer. 
With the difficulty in the language barrier, I believe the Bank was hoping I would pay the additional amount instead of challenging it. 
The late fees and necessity of charging me {$20.00} for writing a check from another bank. 
After paying XXXX dollars of interest why is it necessary to make closing so hard? 
When I was force to retire 8 years early because of a loss of job this bank was the ONLY bank that would not work with me on my home mortgage and Credit Card debt.

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 2021-08-31
Company: EQUIFAX, INC.
State: NY
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:
I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXXXXXX XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account was compromised by Wells Fargo. I began with a balance of XXXX. I drove to Wells Fargo e the with a friend because my mechanic charged me XXXX to fix my XXXX. As I gave the Teller my ID and Check she stated my account was XXXX XXXXXXXX. She said XXXX XXXX was paid and I never authorized Wells Fargo to steal my money. 
Then she said because my checking account Sat idle fees were assessed but these fees were a violation of my disclosure agreement. Because I made a written and verbal communication complaints. My checking account was closed with a negative balance. 
Therefore, because my Rights have been violated by Wells Fargo refusing to refund my monies that I didn't authorize I'm requesting punitive damages and investigation.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This morning I just submitted my 3rd or 4th dispute with transunion against a XXXX account that all of a sudden just start showing as open on my credit report. This account is closed/charged off. I have let all 3 reporting agencies know this and transunion is the only one to continue reporting this false information on my report. On the report it says that the company derogatory mark is charged off/closed. But transunion is reporting it as open and reporting false payment history, lowering my credit score. This issue needs to be resolved 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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I submitted disputes and an FTC report for a fraudulent hard inquiry. 

Transunion - XXXX XX/XX/2021 XXXX - XXXX XXXXXX/XX/2021

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 2022-04-14
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have previously submitted a XXXX  Complaint to XXXX XXXX XXXX XXXX XXXX back a few years ago for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to Elevate Recoveries. 

I explained the situation to XXXX years and they left me alone. Now 2-3 years later, I now have Elevate harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous Elevate associates and asked repeatedly if this issue was on my credit. They said no. 

I have at least requested that Elevate provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. They have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. 

Elevate Recoveries is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested on previous calls with your company. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Failure to provide accurate amount of refund. The refund amount should reflect from the time I started my XXXX XXXX time, XX/XX/2019.

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 2015-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ProCollect, Inc. has been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

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