BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-20
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion contiunues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i asked Transunion to remove the payments and all they have done is lower the reported payments that i make. I ask the bureau to make transunion remove my child support payments from being reported.

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 2015-08-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a short sale close to four years ago to HSBC. XXXX years in the process after submitting many documents they claimed they lost my file and that I had to start over. Over the last XXXX years, my attorney and myself have provided all documents to HSBC well before the deadline with a faxed confirmation as proof and now for the XXXX time, HSBC has closed the case and denied claiming they did n't receive the documents despite the proof we sent in. I have had a cash buyer waiting to purchase at a price acceptable to HSBC. Even knowing this, they are asking me for the XXXX time in two years to yet again provide documents only because they claim to not receive. I feel discriminated against, as I know short sale process, and this is very unusual how I have been treated even after following their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I am currently an American Express Business Platinum card holder. For almost the last month I have been unable to use any of Membership Rewards for travel purchases or transfers. I have contacted American Express multiple times and am continuously transferred to multiple departments, all telling me different reasons for why the site is down as well as different time frames that it should work again. I have not received any call backs regarding the issue and am now going on almost 30 days of being locked out of using any membership rewards points I have earned. At this time the only help I have been offered is to have their 'travel team ' book my travel for me for a fee. It seems ridiculous that AMEX has locked me out of my account and is forcing me to pay a fee to book travel that I should otherwise be able to do for free on my own via the amex travel site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been on XXXX since XX/XX/XXXX. Firstly, XXXX XXXX XXXX XXXX AES ) has my out of school date as XX/XX/XXXX on its statement which is incorrect. The out of school date should be XX/XX/XXXX. Secondly, my loans came out of forbearance XX/XX/XXXX and I have been making a payment every since ; however just discovered AES has been charging me a {$15.00} late fee when my loan has not been late XXXX days. My XXXX direct deposit does not hit the bank until around the XXXX of each month. The AES due date is the XXXX of the month, and I just discovered that the student can request a due date change. Why did not AES mention this due date change to a XXXX student? I discussed my situation with an AES rep several times. Payments on the XXXX loans are {$37.00} each, and AES has assessed XXXX late fees of {$130.00} to my account. XXXX attached statements of XXXX loans that started out as {$3000.00} loans and are not up to {$5100.00} each. Also, attached is the payment history that shows the late fees. I want these late fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: AES/PHEAA
State: LA
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 've disputed and fought with fedloan servicing over the reporting of my accounts for the last 6 months and their record keeping and responses have been nothing but shameful. It makes me sick to think that they are in charge of so many consumers debts because they ca n't get mine right nor can they even respond with the appropriate accounts with the correct date opened etc. It 's truly a disgrace. I have disputed XXXX particular accounts with Fedloan Servicing and their first response to my XXXX page dispute sent Priority Mail was all of XXXX sentence long and just simply stated they could n't report any corrections before my credit report was reporting accurate information. How is it that I spent hours typing up this dispute and they spent {$20.00} to mail it and make sure it was received to receive a pregenerated generic response. I spent hours on the phone with customer service, I spoke to managers, and noone could understand what was going on with my loans. I sent a second letter disputing the XXXX accounts and sent my mail certified and received a response that did help me to understand the reasoning behind their decision, however, they listed XXXX accounts opened in XXXX of XXXX and only XXXX opened in XXXX of XXXX. The XXXX accounts I was disputing were both opened in XXXX of XXXX so truly their response still did n't answer my dispute/complaint in regards to the XXXX accounts opened in XXXX of XXXX. NOWWWW after reviewing my XXXX credit file, suddenly there are no longer XXXX derogatory accounts XXXX opened in XXXX of XXXX and XXXX opened in XXXX of XXXX but now as of XXXX there are XXXX derogatory accounts including a new one supposedly opened in XXXX of XXXX. Never did I have a student loan in XXXX of XXXX and I 'm confused as to where this even came from. Now I 've got to spend hours of my time to complain and tell this story and try and get a response from them that actually makes sense. Nowhere on the national student loan database nor on the Fedloan Servicing website do I show any loan opened in XXXX of XXXX. This has been an absolute nightmare and I 've put at minimum 40 hours into researching and trying to make sense of what Fedloan servicing has done with my student loans that are now preventing me from getting a home. Please see the attached documentation and try and make sense of their insanity. There were only XXXX derogatory Student Loans with them in XXXX reporting to XXXX and as soon as I start disputing and trying to make sense of their insanity, they then go and throw an extra loan with the same derogatory account history as the accounts I 've been trying to dispute. This has got to be illegal and I will not stop fighting until my credit report is correct. After 6 months and a multitude of letters being sent, this should not be an issue I 'm still having to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.

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 2021-08-04
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I tried to pay off and close my credit card with BB & T / TRUIST. Their website would not allow for pay off. After being on hold for approximately 1.5 hours, the best answer we could get was, " wait a day and see if your account was charged ''. This is unacceptable. 

XX/XX/2021 Payment did not go through, called in to BB & T / TRUIST again and was told that they could not accept a payment of more than {$5000.00} over the phone. When asked to speak with a manager or supervisor, I was hung up on by XXXX and another individual by the name of XXXX who both work in the credit card call center at XXXX This is horrible customer service and quite frankly feels as if they are making it hard for me to pay off and close my line of credit with their financial institution. 

Sincerely, 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 2016-11-03
Company: SUNTRUST BANKS, INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust 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 explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2016-09-22
Company: AES/PHEAA
State: CA
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 keep asking my student loan servicer to send me a copy of the original promissory notes on each of my Federal loans ( my copies were stolen out of my home ), and the loan servicer has only provided copies of the promissory notes for XXXX loans - there are XXXX other federal loans that they service for which they will neither send copies nor explain why the copies have not been sent. I 've been attempting to get these promissory notes since XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.

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 2015-08-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX multiple times to try and get my SCRA benefits put in place. I even emailed them a document of my military XXXX orders to their SCRA department. The dates of these emails were XX/XX/2017. A few weeks later my account was closed and sold to a collection agency 2 weeks later as reported by my monthly credit report. I did not receive any emails back from there customer service after XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA
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:
XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?

Company response to consumer: Closed
Consumer complaint received 2016-01-05
Company: Credit Karma, LLC
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Mortgage paid off in good terms when sold. Is marked as " closed - Derogatory

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 2016-04-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: CFM Group LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you

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 non-monetary relief