BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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:
Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX XXXXXXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird that XXXX XXXX  XXXX didn't notify immediately but instead waited 1.5 so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being XXXX I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and XXXX. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX  XXXX accountable. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This is the e-mail that I received, I want to know if this is legit -- Original Creditor : Advance America ( Cash Advance ) Subject : Unpaid debt of Advance AmericaFile Number : XXXX : $ XXXX ClientWe regret to inform you that due to your unpaid debt amount of {$570.00} to Advance America ( Cash Advance ) from today we have passed your case to court. You are now to be contacted by official court attorneys, who will notify you of the hearing date. Therefore you will be served a subpoena to appear at court where you can present your defense. 


We still have not received any payment or answer from you. Therefore, we regret to inform you that if we do not obtain the payment of {$570.00} in full before end of the day, we will have no other alternatives but to undertake court actions against you so before something goes wrong I thought that I shall call you and notify you about this matter. But as I was not able to reach you so I am sending you a final notification EmailAs we put your Social Security Number into our National Checking Database System we found that you have been never charged for a fraud activity & that 's the reason we have decided to give you chance to take care of this issue outside the Court without having a negative report on your Credit History and Social Security Number. 


We would advise to treat this matter with urgency and we believe you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible. 


We still trust court actions will not be necessary and look forward to receiving payment by return. 


If you wish to settle the outstanding amount or if you have any questions regarding the current situation please do not hesitate to send us an XXXXXXXXXXXX are sure the problem will be solved soon, as we have no doubt in your cooperation. Federal law requires us to notify you that this is a communication from a debt recovery corporation. This is an attempt to collect a debt. Any information obtained will be used for thatYours faithfully, Department of Cash advance America

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: First Data Corporation
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX personal checks were stolen from me the end of XXXX 2015. XXXX check was cashed for {$30.00}. The other check was not used. I contacted my credit union immediately and placed a stop payment on the check for {$30.00}. The credit union reimbursed me the {$30.00}. I filed a police report and the thief has been apprehended and charges filed. I received a telephone call from TRS Recovery Services asking for payment on the {$30.00} check ... ..I told them it was a forged stolen check. Then in a few days I received a debt collection notice from TRS Recovery Services for the {$30.00}. I did not respond as I had spoken on the phone to them already. I tried to use a check at a local store after this incident and was refused. I contacted Telecheck XXXX XXXX XXXX an affiliate of TRS Recovery Services , Inc., filled out their form and attached the required police report, bank information and faxed it to them. They sent back a letter from their resolutions departmeent stating I sent accurate information. According to Telecheck my account is cleared. I just received a second debt collection notice for the {$30.00} from TRS Recovery Services , Inc . I have attempted to reach them by telephone and get a recorded set of instructions, and when I press XXXX to talk to a representative no one answers and it disconnects. I tried calling the resolutions department at Telecheck XXXX XXXX XXXX with same result. They are affiliates who are taking advantage and collecting money they are not entitled to. I wo n't be sending them anything. I also am concerned about my personal information I submitted on their form ... .soc. sec. #, bank routing and account #, DOB, name, address, telephone #. I 've had to close that bank account and open a different account. I see there are many other complaints about TRS Recovery Services , Inc. and Telecheck XXXX XXXX XXXX from others. They are financial predators. How can I protect my identity now that they have personal information? How can I stop the harrassment of debt collection attempts? Thank you for your kind assistance.

Company response to consumer: Closed
Consumer complaint received 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). I have advised them that under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Navient Solutions, LLC.
State: NJ
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:
My monthly payment amount changed on at least two separate occasions, one of which I was not sent prior notification of the change. I was sent correspondence on XXXX/XXXX/XXXX that notified me that my new monthly payment increased to {$1100.00} after review of my loans. I made the aforementioned payment for the month of XXXX XXXX. However, I recently reviewed my loan status and the new monthly payment was now {$1200.00} which is due in XXXX XXXX. I was not sent prior notification of the new monthly payment amount. I contacted the loan servicer and was informed that they will send it to their account department for review. This is not the first time that a change in my monthly payment has occurred without prior notification. Another incident like this occurred last XXXX XXXX and there was no change in interest rates nor do I have any delinquent loans. I currently have an extended repayment plan which should not have variability in payment amounts unless changes were made, which I did not make any changes in XXXX and there were no interest rate changes in any of my loans. I am very concerned about these sudden changes in loan payment amounts without adequate explanation by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Commercial Trade, Inc.
State: CA
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:
Collection Agency is trying to collect money I do not owe, for a vehicle that was impounded. The vehicle was not mine nor registered to me. I have repeatedly told her this issue is not mine, it is my dad 's ( we have the same name. ) it has been disputed with the XXXX credit bureaus but she told me she will not remove it until it is paid. I repeatedly told her, it 's my dad 's, and she said she has documents with my social security number that links it to me. I have asked for the documents or proof, which have been denied. I 've been told to have my dad call them to pay the debt and then they will remove it. She will not release information as to how my social security was obtained, which I believe was obtained in an unethical manner through a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Tran Union several times regarding debt on my credit report. I have sent in supporting documents several times regarding this debt. Tran Union is refusing to remove the debt from my credit report. I have put in several disputes with Transunion regarding a false debt against XXXX XXXX XXXX for amount of {$3000.00} dollars. I have also sent in over several times my supporting documents to show the debt is false. This false debt continues to remain on 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 2020-11-11
Company: EQUIFAX, INC.
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:
I am writing to you in regard to accounts that are coming up on my credit report. I have absolutely no knowledge of these accounts and have sent letters requesting validation to them, to no avail! Also, I do not recognize the account names and account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
My credit Report has negative information for over 10 years, which should be exppired. They have not done so to this day  XXXX   XXXX ,  2017 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously submitted a complaint with the CFPB ( No. XXXX ) regarding myfedloan.org failing to give me all of my qualifying payments toward the public service loan forgiveness program. After submitting the complaint, myfedloan corrected the majority of my payments. While I should be eligible for forgiveness in XXXX of XXXX, they said XXXX. I stopped fighting at the time because I was so tired of dealing with them. Now they have changed the eligible payoff date to XX/XX/XXXX, which is absolutely wrong. I have not missed a single payment since they previously said XXXX of XXXX, so it's impossible that it would have gotten later. I have asked them to fix this and to also credit me with the payments they had already failed to credit to show an eligibility date of XX/XX/XXXX. However, they responded that they looked at it and made a determination, but that still shows XXXX of XXXX, which is eight months after I will have made the 120 qualifying payments. 

I am attaching printouts of the payments I have made on this loan since XXXX of XXXX ( in two attachments- one from before myfedloan took over serviving, and one PDF since they took over servicing my loans ), proving that XXXX of XXXX is when I am eligible for forgiveness for making the XXXX payments while working for the State of Tennessee ( I have had the same job the entire time ). I am also attaching two PDF 's  showing the myfedloan.org loan details reflecting incorrect forgiveness eligibility dates of XX/XX/XXXX. 

I have always been enrolled in automatic withdrawal payments, have never missed a payment, and I have re-certified my income every single year in the income based repayment plan. I have met every obligation and myfedloan is trying to rob me of qualifying payments. Thank you so very much for your help, I appreciate it so very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number keeps calling me but never leave any messages on who they are or what the call is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted the company to let them know this account has been previously removed due to ID Theft. The company sent an affidavit to be motorized and returned. The company agreed to remove the debt from my credit report. That was over 60 days ago, they said they would remove it refused to send me anything in writing. I am very upset and requesting the company remove the items from my credit report. They told me I must wait until they 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 2016-04-26
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
FIDELITY PROPERTIES Account # XXXX I have XXXX unverified accounts from FIDELITY PROPERTIES. I had previously disputed this account. I have never done business withFIDELITY PROPERTIES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt FIDELITY PROPERTIES and I believe it is a XXXX violation. I request thatFIDELITY PROPERTIES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FIDELITY PROPERTIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers # 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 2017-03-15
Company: The CMI Group, Inc.
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is completely inaccurate and not mine. They have even said this but yet they still report it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: Brown and Joseph, Ltd
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A collection agency called and STATED that he was from XXXX XXXX then STATED that we owed {$840.00}. We were confused because we remembered paying it. My husband paid it and we then discovered from the insurance company, XXXX XXXX XXXX XXXX XXXX, that the debt is not owed. The name of the collector is XXXX XXXX XXXX. My official insurance company 's name is XXXX XXXX at XXXX XXXX. My insurance is paid up until 2021. Here is what he sent me afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: NY
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. I would like to request that the following account XXXX Account # XXXX be blocked and removed from my report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation