BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Amsher Collection Services, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern : I opened up a XXXX XXXXXX/XX/XXXX. I paid a deposit of {$360.00}. After a short period on the XXXX plan I realized their service was not acceptable. I decided to return to XXXX. On XX/XX/XXXX, I went to the XXXXXXXX  location in XXXX XXXX XXXX Iowa and returned the device. I was within the 14 day grace period for cancellation without penalty. I also spoke with the XXXX rep, I believe her name was XXXX and told her I no longer want to be a XXXX customer. I explained to her the situation and she said that she understood and apologized. My daughter who is in college in California also returned her device on XX/XX/XXXX. I told the agent to discontinue my service and I ported out the ONLY 3 lines that should have been activated. Documentation is attached At this point, I believe I did my part to end my contractual obligation with XXXX. I also was expecting a refund of the deposit I put down. Which I have not received. This is the second time this has happened to me with XXXX 

XX/XX/XXXX, I noticed a collection on account from Amsher Collection Agency. I didnt receive any correspondence from XXXX prior to the collection that was placed on my credit report. After I investigated the situation further. After I told the rep I would like to cancel my service and ported out the only 3 lines that should have been activated. XXXXXXXX  continued to bill me for 2 lines of some random numbers and services. The phone numbers XXXX, XXXX and XXXX XXXX are the ONLY numbers that should have been activated. The customer service rep DID NOT communicate that there was any other important information. So I was oblivious to the whole situation. When I reached out to XXXX they told me my account was closed and sold. Therefore, they could not provide any information. However, when I spoke with XXXX they told me that XXXX still owned the account. Im extremely frustrated. I didnt receive my refund and I have a collection debt that I do NOT owe. I believe this a predatory practice as I have spoken to several other customers who XXXX  has taken this action toward as well. Lastly, I have provided proof of the return of lines and random lines. I would like support with removal of this collection account as well as any other legal action I can take toward XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2016-05-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have spent years trying to work with XXXX XXXX and now Navient to pay an affordable monthly payment. I can not understand how they can base my required repayment on my gross income amount, without taking my monthly expenses in to account. If I received and my gross monthly income, I would n't be in this situation. I 'm exhausted with the process of submitting paystubs and paperwork, only to be sent a Repayment Plan in an amount that I simply can not afford. I originally borrowed about {$26000.00}. As of this date, they state that I owe over {$40000.00}!! I 've requested forbearances because of their unwillingness to work with me to provide an affordable monthly payment. These forbearances only accrue outrageous interest, which in the end, does nothing at all to help me payoff this loan. In this economy, why should I be paying over 7 % in interest?? This is unfair, nefarious, greed that has ruined my credit and caused many sleepless nights. I feel like they have me just where they want me and as long as they can play this evil game, they can continue to accumulate thousands and thousands of dollars. I truly need your help to stop this abusive behavior because I have no idea how to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The card has been paid off for well over two years and I have about 5,000 reward miles that they will not allow me to redeem. I 've tried contacting them and get the explanation that my account is not in good standing. I do n't see what more I can do than having the card completely paid off. The out-sourced support person can only say in broken English " you have to get your account in good standing ''. I will certainly never do business with Capital One again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
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:
I noticed on my latest credit report that I have quite a few fraudulent unauthorized inquiries listed for the following : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXXInquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX - XXXX Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX I asked that Transunion investigate these fraudulent inquires and remove them from my credit report immediately,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: PA
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 have informed you that I did not give anyone the right to open nor list these accounts on my report. As the consumer I informed each company that I didn't authorize any of this over 90 days ago and yet I am still being violated. I don't want to seek the fine related to this violation of my right but I will if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have never had any contact with this company in my life and I now just found out that they had put negative information on my credit report. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company has failed to validate this collection for XXXX XXXX. The company threatened to take me to court to obtain another settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CITIBANK, N.A.
State: NJ
Product: Payday loan, title loan, or personal loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am complaining because I have noticed a negative action on my credit report regarding a late payment to it. I called customer service, not once, not twice, not three, but FOUR times regarding it. Each time I get passed to another customer service person to start over. This is unacceptable to me.Due to this horrible customer service I have recently closed all my back accounts with Citibank, and I want to pay off my loan that I have with Citibank, so I never have to deal with them again. My loan was reported past due to the credit agencies, which is Citibanks fault because it has been automatically deducted from my bank account for the last 2 years. I never paid with check in any way and I do not even know my loan number, so the lateness is probably from one of their unqualified employees that currently work there. I have called to resolve the issue numerous of times and they have not helped me out in any way, instead they put me on hold, and pass it to another person. To resolve this issue, I would like all fees associated with the lateness reversed and I would like it removed from my credit report immediately. Once that request is completed, in full, I want to pay the loan balance off and close it out. I would also like a written statement explaining your companys position and what you will do about my complaint. Citibank is terrible, please do not use them for anything.

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
Consumer complaint received 2021-10-12
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Am a Barclay 's XXXX XXXX Mastercard customer and have had an account for many years. I have always had my auto pay set up to pay the full statement balance on the due date. 

On my XX/XX/21 statement I had a balance of {$3400.00} and had autopay set up to pay the full statement balance of {$3400.00} on my due date of XX/XX/21. However, the payment did not process until XX/XX/21 resulting in interest charges of {$73.00} and a late fee of {$29.00}. After speaking with Barclay 's customer support both fees were waived and no explanation was given for the delay in the payment. As a one off issue I was satisfied with the resolution. 

However, on my XX/XX/21 statement I had a balance of {$4800.00} with autopay set up to pay the statement balance of {$4800.00} on my due date of XX/XX/21. The payment was made in full on XX/XX/21. However, on my XX/XX/21 statement I had an interest charge of {$42.00} based on a 14.99 % rate on a balance of {$3400.00}. After speaking with Barclay 's customer support they agreed that no interest should have been charged and it was erroneously charged due to a 'technical error '. The charge was waived. 

I am satisfied with the resolution that I received ; however, if a 'technical error ' resulted in erroneous interest charges on my statement I am sure it is happening to others as well. The support representative I spoke to filed an internal complaint at Barclays with the case # 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 2021-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Card opens through XXXX XXXX XXXX in XXXX of 2018 has been charged off or sold to another company Portfolio Recovery account status remains open on my credit report through Portfolio Recovery and reports a incorrect balance owed and timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.

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
Consumer complaint received 2021-10-12
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I asked the company if they could send me proof that this is my information and I didnt get a response from the company. I didnt have service with the company at all. XXXX sold my information to a debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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 was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is in regards to complaint # XXXX. The bank reached out and did some research and realized that they never had our loan endorsed by HUD. They sent a letter saying that it was never endorsed, and that they actually added {$13000.00} back in XXXX for our initial PMI downpayment. I followed up with Citizens and asked the questions below, but have not received a response, and they closed the complaint out. 

1 ) Are we going to be refunded for the monthly PMI that we paid as well? If the loan was never endorsed by HUD, why would we be paying monthly PMI payments to Citizens? Those payments are supposed to go to HUD for FHA backing, and if they are not going to HUD, why were we charged monthly for this? Ultimately, Citizens is still pocketing well over {$12000.00} from us from those monthly payments. Could we please get a full breakdown history on exactly how much we paid ( both up front and monthly, and a statement on how we can come to a resolution here? 

2 ) Why were we never notified about this refund back in XXXX? This is a pretty big error, and we were never notified about it at all. Also, since it was a pandemic and money was tight, it would have been nice to have an option to get that money back as a check rather than putting it towards the principal of the loan. If we never had to pay that to begin with, it would still be liquid for us during this time ( rather than on the back end of our loan ). 

I even told the Chairman 's Office that we did not want to be annoying and submit another complaint, but they closed the previous one out and have not responded. We would just like a true resolution here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient solutions Reported on My XXXX Credit file that This one Account is Closed With Multiple Late Payments.
They pick up A New Loan in XX/XX/XXXX Which aim current With. They Late Pays On This Closed Account in 2014 should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for a BP Credit card from XXXX XXXX ( Phone # XXXX ), website : mybpcreditcard.com, with a credit limit of {$500.00} in XXXX 2017. In XXXX 2017 with the exact same information on my credit report my credit limit was stepped down to {$110.00} which damaged my credit rating by escalating my debt ratio. I had a XXXX XXXX in late XX/XX/XXXX and just got home the fist week of XX/XX/XXXX and have been trying to get house work caught up and pay the bills that did not have auto pay already attached to the accounts. Why would you grant credit just to rescind it 30 days later. XXXX XXXX appears to be notorious for doing this and it makes no sense, nothing changed on my credit report from the time credit was granted 30 days prior. Yes, I had a XXXX XXXX, but I 'm still employed, still earn the same income at the same job. This is why they had to solicit me 4 times before I accepted the credit offer, because I had heard of this problem with XXXX XXXX. How many hard working families need to have their credit damaged by this 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 2021-10-12
Company: Mountain Run Solutions, LLC
State: PR
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account that I previously disputed and had deleted reappearing on my credit report. It is illegal to reinsert information on my report without notice according to 15USC 1681i ( 5 ) ( B ) ( ii ) ( iii ). This XXXX account was deleted from Experian on XXXX XXXX. Attached is a screenshot of the proof of deletion directly from my Experian account and the law about this reinsertion.

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