BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On Saturday   XXXX   XXXX   I used my debit card at a   XXXX   ATM machine and also mad a gas purchase and food purchase as well. This was the last time I seen my wallet and cards in my physical, I didnt realize until sunday night that I did not have my credentials and check my online banking and realized some fraud charges were made to the account that I did n't authorize. I file my claim with citizens bank and from the jumb they made me feel guilty because they said the account was a fairly new account, and now because of this i feel like im not getting proper results and customer service. I spoken to about  XXXX  different ppl and they have all told me different things, then I was informed when I went into the bank today that they have dismissed my claim. I know have  XXXX  different claims numbers because I reopened the claim ... ... ... I spoke with a lady named  XXXX  who is a a lead supervisor over a debit card claims debt, she has been very agressive and unprofessional to me, if you do your research and hear all the calls I have placed with citizens bank because they are all recorded these ppl are mean and rude, and really made me feel bad about having a new account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage with   Ditech.
Ditech   is directed to escrow funds for Taxes and insurance that come out of my monthly installment. My ending balance in escrow at the end of  XXXX  was {$420.00} after paying my taxes of {$2100.00}. However Ditech said they received a second invoice from the municipality for taxes and paid them again in the amount of {$2200.00}. In this case my escrow was in a negative balance and  Ditech to o the liberty of charging me on my escrow account showing I had a negative balance. The taxes have been paid in full with  Ditech se cond payment a nd Ditech was  issued a payment back from their tax department on   XXXX   XXXX   XXXX     in the amount of the first check of {$2100.00}. However my escrow account has NOT been credited. I have been paying interest on money they stole from me. I have been trying to get a payoff since    XXXX   XXXX   XXXX      and no one is helping me. I fee l Ditech is us ing my money. Fraudulently added {$2200.00} onto my account without my permission and I have been being charged o interest while they are using my money. I have also been paying interest on my balance of the loan because I can NOT get an accurate payoff statement. Please help me resolve this fraud! How many times do most people ever review their escrow account and get taken ... I can assure you if the tables were turned I would get penalties, interest and a bad credit rating.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Brelvis Consulting, LLC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was trying to contact  XXXX  about an approval for repayment plan, I dialed the number on the invoice  XXXX  and was directed to th e Student Loan Help Center. Aft er about a half hour of talking I found myself agreeing to a consolidation of  XXXX  student loans with {$0.00} monthly payments and forgiveness of all loans after 20 years ' all based on my annual income. In addition  XXXX   XXXX  explained to me that there was a {$790.00} fee to cover enrollment fee and the legal process to consolidate into  XXXX  loan. Later that night I read the document they sent for signature, signed electronically, authorizing the fee to be deducted from my account and finished. Shortly after I read on dept of education that there should be no fees incurred for student loan help or consolidation. I tried calling  XXXX  to leave a message to cancel and the call was answered by a general phone line and I was unable to leave a message. I did send an email to their support center and will request a refund in the morning. The funds were withdrawn as soon as I hit Finish. Please advise if this is a scam and how I can get my money back

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 monetary relief
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.

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 2021-12-15
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be XXXX  % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2017-04-18
Company: CITIBANK, N.A.
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On   XXXX   XXXX   XXXX    , my wife made a credit card payment to   Citibank via phone for {$100.00}.
This payment was processed and then on the same date, Citibank made an unauthorized payment process for {$2900.00} to pay the balance on the card. We did not authorize this payment. The bank then charged our account for an overdaft. My wife contacted Citibank and their response was sorry nothi  ng they can do.

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 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD Astra Recovery has been provided with a cease and desist along with a written request for resolution as the account from original creditor XXXX XXXX reporting with a balance of {$2100.00} was opened as a result of identity theft. Today I received a threatening message from XXXX from XXXX XXXX advising she will take all necessary measures to have me served at work or at my home and that they will use law enforcement if needed. This is unnecessary and aggressive debt collection tactics that are illegal. I have completed the identity theft affidavit and have faxed the information to AD ASTRA RECOVERY XXXX which is their fax number on their website : adastrarecoveryservicesinc.com. They also received a certified letter which I have confirmed receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Ive  am sti ll paying for a Student Load  (   XXXX   XXXX   XXXX   ) si nce   XXXX    .The original loan was    XXXX  Dollars I am still paying extremely high late fees and high interest for over 20 years later for this loan due to a default. .I make prompt monthly payments.Can you help help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX 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 2022-05-02
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:
XXXX, TRANSUNION XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX & XXXX XXXX CO : XXXX -- > {$13000.00} XXXX XXXX XXXX  XXXX : XXXX -- XXXX : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-03-04
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: Account information incorrect

Complaint:
They have continued to report the wrong balance on my XXXX XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

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 2021-12-15
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for {$650.00} on Monday XX/XX/2021 into First Bank Florida. The check cleared the XXXX XXXX on XXXX XXXX ( See Attached ). As of XX/XX/XXXX the funds are not in my First Bank Florida account. I would like to know where the funds are and why they are not available after they cleared XXXX XXXX bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX 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 2017-04-20
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called  Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called  Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since   XXXX  . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA  Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ...  XXXX , the  Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it   would be on the entire balance of {$4600.00}.     They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18
Company: TekCollect Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never received medical care at this facility.

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