BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: AES/PHEAA
State: CA
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 applied for the REPAYE program in XXXX, 2016. As of today, XXXX XXXX, 2016, my application has not been processed. It 's been 5 months. Fedloan Servicing has given me incorrect information time and time again. They asked me to pay an incorrect amount to process my application on more than one occasion, and I keep receiving bills for payments using the standard 10-year repayment program, which amounts to {$950.00}. I can not afford that payment. My loans have been in forbearance for 5 months now with no resolution. This morning I was told to continue to wait and check back since I have no other option, and to ignore the {$950.00} payment when it is due. I can not afford that payment, nor can I ignore it. Fedloan Servicing is giving me incorrect advice that could lead me a default of my student loans, while taking too long to process a REPAYE application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/22 I disputed the accuracy of account XXXX XXXX XXXX XXXX # XXXX with EXPERIAN due to inaccurate information. EXPERIAN stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate and unverified information listed on the account. This is a violation of the FCRA. Also, the " Date of Last Activity '', " Date Reported '' and " Date Opened '' are inaccurate ( please see attached document of the two credit bureaus showing different dates ). These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have five days to notify me they have received my dispute- they did not.

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 2022-10-17
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I had XXXX so I wasnt able to work so I was late on my payments I reported it to td Bank, XXXX they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a contract with XXXX. They had to come out five different times to get the satellite right and they still did not get it right. I finally told them to come get their equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Main Street Personal Finance
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was paying on a payday loan from Approved Cash the best I could. I had yet to pay this month 's payment. I was waiting on my money to come in. I had told them that I would pay this month. I had not paid on the third, yet told them it would be after the third before I would pay. I received a voicemail on my phone saying if I did not pay it now she would charge me with fraud. She said that she would call the police and have me arrested that day. I ended up having to borrow the money from my mother to pay the loan off. I went to another store to pay and was told that she should have not left that message. I was afraid to call or contact her store even to tell her it was paid. I was afraid that even when I paid it off that she would have me arrested.

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 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-01-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
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 are two account that say they are BB and T, I am currently in the hospital with XXXX XXXX and I know nothing about these account

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 2016-02-26
Company: CCS Financial Services, Inc.
State: TX
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:
Disputed debt, failed to respond to Dispute Notice, continues collection efforts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: GA
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've attempted to remedy this issue with Equifax Credit Information Services , Inc. but they are willingly non-compliant I notified them on XX/XX/2022 of the inaccurate information that they are unlawfully reporting on my credit report but they did not correct any of the violations nor have they provided me with no means of verification or proof that the inaccurate items that I'm disputing on my credit report are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case MIDLAND CREDIT MANAGEMENT is attempting to collect as XXXX XXXX XXXX These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Original Creditor is XXXX, XXXX, then it was sold to XXXX , XXXX and now XXXX XXXX XXXX has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting Springleaf on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open one because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him a name and details of his friend in XXXX, XXXX who will receive the wire transfer money from me. Once the beneficiary receives the money, he will call my boyfriend 's friend to confirm that he receive the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. So on XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his XXXX Bank account in XXXX. But after an hour or two, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said it was already debited from my account and was already sent to XXXX Bank. So my bank called XXXX Bank to request for a call back funds. 
XXXX Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX 's XXXX Bank account. But because XXXX Bank can not get hold of XXXX XXXX, XXXX Bank closed his account so that he could n't withdraw the money. 
XXXX persons from XXXX Bank called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 
Every time I made a follow up, my bank said they have not received a response from XXXX Bank. I was too worried because my boyfriend needed the money. 
So on XX/XX/XXXX, I sent a letter to XXXX Bank to please send me back the money. But XXXX Bank did not reply. Again on XX/XX/XXXX, I sent a follow up letter but still no reply. 

Please help me recover my {$12000.00}. I just borrowed that money from a close friend. Hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.

Company response to consumer: Closed
Consumer complaint received 2022-06-03
Company: Credit Plus Inc
State: NJ
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:
I do not recognize the following inquiry on my credit report CREDIT PLUS ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Kinum, Inc., Indianapolis, IN Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022, I was interviewing companies to provide pool cleaning services at my home in XXXX, AZ. The first pool company came to give me a quote. They checked my water metrics and pool equipment. They gave me a monthly quote for the pool cleaning service per month with 1 day per week coming to clean my pool. 

I had received an advertisement from XXXX XXXX XXXX for {$99.00} per month. I called them to see if they could accommodate this price. They said they had to have someone come check the water and equipment. In XX/XX/2022 this shady guy came to give me a quote. He said the pool needed the water to be pumped out & drained, acid wash the pool walls, refill the pool with water, and put all the chemicals in the pool. By the way, the pool was crystal clear and pool walls clean when he communicated that all this work needed to be done prior to the monthly pool service being started and quoted me an outrageous price. They never disclosed that they would charge to give me a quote and I never agreed to any charge for giving me a quote. 

I had another XXXX XXXX XXXX the next day come to give me a quote. They checked the pool water metrics and equipment and gave me a monthly pool service quote. Like the first pool cleaning company they didn't say I needed what the XXXX XXXX say I needed done to my pool and just gave me a quote for the monthly service anything the other In XX/XX/2022 XXXX XXXX XXXX came to give me a quote for monthly pool. I never agreed to start pool service with them, signed contract or service agreement, and they never cleaned my pool. 

A month later I get an invoice for them coming to give me a quote which they never disclosed they would charge me for giving me a quote neither did I agree that I would pay them for giving me a quote to clean my pool.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: SUNTRUST BANKS, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XX/XX/2015RE : XXXX XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXXConsumer Financial Protection BureauSir/ Madam : Good morning from XXXX XXXX XXXX Connecticut and thank you for reading this. 
In the effort to pay off our total mortgage balance of {$6500.00} XX/XX/XXXX, we made an additional payment of {$2000.00} to the $ XXXX amount for Escrow we were told was short, with a note requesting that the extra {$2000.00} be applied to the Principal. 

Days later, I contacted Suntrust over the telephone and inquired what the balance was so we can proceed with paying off the total mortgage expecting the amount to be {$4500.00} because of the {$2000.00} additional that should have been applied to the principal. 

I should point out by the way that we are enrolled in their automatic monthly payment. 

In any event, during that telephone conversation, I was informed that the amount was still {$6500.00} and when I asked how that could be, when we had made an additional {$2000.00} extra to the principal, she said " let me put you on hold and I 'll check '' and shortly thereafter said yes it should have and then apologized and assured me that it would be corrected immediately. 

Believing what I was told I waited several more days before contacting Suntrust again and to my astonishment was informed that the amount was still the same ( {$6500.00} ) and when I asked how that could be since I just spoke with someone days before and was assured it would be corrected, she apologized and said it would be done and to call back after XXXX days. 

I did XXXX more times after that. 

Over all and in a span of a month and a half at which point I have made XXXX ( maybe even XXXX ) telephone conversation with a CS representative, I would essentially be told the same story. 
That they are sorry and it would be corrected immediately. 

In fact sometime early this month I was contacted by someone at Suntrust who told me to request for an " escalation '' to resolve the problem. Imagine that. 

Considering Suntrust is a XXXX dollar corporation this unusual " mistake '' can not be coincidental, which prompted me to write to their CEO accusing his company of engaging in fraudulent practice because maximizing the interest payment is about the only sensible conclusion that would explain what we had encountered. 
Sincerely, XXXX XXXX ( I am the husband )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
SunTrust Bank is reported inaccurate and defaming information about me to XXXX XXXX XXXX. I have called SunTrust Bank to get this resolves and the SunTrust representative ca n't will not give me any information pertaining to this matter but only to call XXXX. I contacted XXXX and they advised me that Sun Trust is reporting that the reason for the FRAUD notation is because : ATTEMPTING TRANSACTION IN AN UNPLEASANT MANNER. This is a complete false information and I am requesting SunTrust Bank to remove this information immediately in order for me to open a checking account with my current bank.

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 2015-03-28
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I am writing today to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the FCRA, Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX  showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " 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 monetary relief