BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-22
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a letter to the collector requesting validation of a debt. The information that was provided to me from the creditor is contradicting to that of the credit bureaus reporting. The collection company has failed to correct the reporting on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine and Weiner placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX account # XXXX date opened are different from transunion then XXXX transunion date opened is XX/XX/XXXX XXXX  date opened is XX/XX/XXXX date of last active are different from transunion then XXXX transunion date of last active is XX/XX/XXXX XXXX date of last active is XX/XX/XXXX please delete this acount for multiply inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX Account # XXXX has violated my rights. 

On XX/XX/21 XXXX XXXX XXXX received my request to validate a debt they claimed that I owe their company.

They have not responded to my request to this dat e and they are in default. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction s.

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 2017-04-06
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have XXXX lenders stating that I owed them a {$4000.00} loan from XX/XX/2006. I have a private loan but it not them. I am attaching documentation from University XXXX and neither of them is the Lender. They are destroying my credit.

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 2017-04-05
Company: Peterson Enterprises, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hi this debt on my XXXX report from valley empire collections is innacurately reporting negatively on my credit report. This debt has not been validated I have not received one notice nor any proof or disclosures of this debt. It is in the amount of XXXX and acct number showing is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: WESTERN UNION COMPANY, THE
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have my international westernunion account with whom I do my business all over the world. 
The account was valid because I created it in XXXX with all the vouchers and I used it. 
But for 6 months the account has been on hold since I arrived in XXXX where I had vehicles and other goods in the port. 
They asked me for XXXX and I sent them but they answered me a first time to be patient and I have it. 
Still having no news of them I left for XXXX or I have big stock of XXXX. 
Arrived in the XXXX XXXX they ask me for documents with a certificate of residence and I have also provided them. 
They send me an e-mail that I had to go and make on-site transfers to their branch in the country. 
But in the clauses it was not agreed and in addition why did they ask me for proofs in these XXXX countries knowing that in the end they will tell me to go to their local agency of these countries? 
At the moment I am out of liquidity and they tell me again to call them or I used to call them and we had a long discussion and they reassured me that the account will be active in the shortest possible time. 
But up to this day still nothing and my goods are still stored in the countries ports where I incur taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to get a loan modification or HAMP, Principal Reduction Alternative and Bayview Loan Servicing says I am not eligible for a loan modification because I did a XXXX-Out Refinance transaction in XXXX and had equity in the property which was fully paid on XXXX XXXX XXXX. I applied for a trial loan modification when XXXX XXXX XXXX was servicing the loan and was approved for a Loan Modification as per the attachment on XXXX XXXX XXXX. For some reason unknown since this loan is with the same investor they will not review any option for a loan modification. 
Please advise how I may save or keep the home because Bayview Loan servicing is saying that I need to pay the past due balance in full to reinstate the loan. 
Currently the home is not in foreclosure. Please advise any option available regarding a loan modification for to keep the house from Deed in Lieu, Foreclosure or Short Sale, my cell at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Bank of America charged me an overdraft on my account ( {$35.00} ) for withdrawing at my ATM. They said I already had overdraft protection on and thus should not have an option to withdraw more, but they apparently the ATM prompted me with an option to agree to waive that protection. I am XXXX, thus did n't read it. I called to get the fee waived out of courtesy, but discovered they had predatorily ignored my request to have overdraft protection on. They were in the wrong.

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 2015-09-09
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage on XXXX/XXXX/15. My mortgage company reported me late to the credit bureaus. I contacted my mortgage company to discuss why they reported me late when I was n't and they indicated that even though I made my payment on the XXXX/XXXX/15, it was not posted to my mortgage account until XXXX/XXXX/15. The mortgage company indicated that if the payment is made after XXXX., it is posted the next day, making my payment late. I paid my mortgage online using their website and my statement indicates that payments received by XXXX local time will be applied the same day as received. I can not control when my mortgage company posts my payment to their system, however, my payment should credit my loan account the day it is received. I spoke with an account manager who said there is nothing that can be done. Per my research on the Federal Trade Commission site, " a servicer must credit payment to your loan account as of the day is it received ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Re : Macy 's credit card issued through " department stores national bank ''. 
Macy 's representative in XXXX, XXXX XXXX ( NY ) prompted me to open Macys card account with offer of additional 40 % off atop the daily discounts. So, I then spent 2 hours time putting together sizeable wardrobe. When cashier helped me open account by phone and having to provide significant personal info, I was then told " denied ''. Interesting because I am a XXXX, excellent credit, XXXX debt, never denied such in my life. I overheard someone else in store saying same thing happened to her and another. This was XXXX XXXX, 2015. I left store without purchase. Today XXXX/XXXX/15, I receive a Macy 's credit card, never again elIgible for the 40 % incentive for new accounts. I suspect scam luring cutomers into opening card, not to mention the personal information used for marketing sharing. I am on phone with card company canceling and am also now told that the 40 % had a {$150.00} cap. I know what I heard as well as telling rep I was off to " spend a lot of money '', so I 'm certain she understood it was more than {$150.00}. 
Again ... .arguably ... a scam and what a waste of my valuable time. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On TransUnion they have a XXXX XXXX listed as a name I have used. This is incorrect and fradulent information. I have never had this name before. Also they have an XXXX Credit Card lists that I am sure was opened by XXXX XXXX. This needs to be removed from my report. I feel my step-brother has done this as he as used this name before to get items at other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: AL
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:
I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for

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 2022-04-17
Company: EQUIFAX, INC.
State: AL
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:
I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When borrowing from Navient we were informed that there would be various repayment options, that they would work with us to make sure we can afford payment after graduation. Now that I have graduated and am looking for help with repayment ( specifically lowering my monthly payment ) there is " nothing they can do. '' Each representative we have spoken with is rude and takes no interest in helping their consumer. My cosigner and I were told separate things by separate representatives -- one taking information to help accomplish an income driven payment system and the other informing us there was no option for income-based repayment. When asking to talk with a supervisor, I was denied such privilege and was told there was nothing they could do for me. I have never been treated so poorly and lied to so blatantly by a company. They promised to help with repayment after graduation and when that day comes show absolutely no interest in helping their consumers. They would rather consumers default on their payments than make any sort of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I covered my step children on my health insurance plan because their father refused to during court proceedings. The step children now have outstanding medical bills that the creditor has filed against me on my credit. I have no parental or guardian rights to the children they are still XXXX custody of their natural mother and father. The medical facility billed me as their father even though I proved to them I am not the natural father and have not adopted them. I only covered them as a benefit to them in a time of lack of coverage from their natural fathers responsibility.

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 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I requested credit line increase and they did not notify me of the hard inquiry.

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 2017-04-06
Company: Navient Solutions, LLC.
State: NY
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:
Original loan through XXXX. In XX/XX/XXXX I called them to get payoff amount. On XX/XX/XXXX I called back to confirm payment and that my loan was paid in full. The confirmed that it was. On XX/XX/XXXX, they reversed a XXXX dollar payment to my account. This XXXX dollars was for a different student and they had applied it erroneously to my account. They confirm that they never called me, and it was n't until XX/XX/XXXX when I started getting email from Navient ( which I did not recognize as I never had a loan through them ), saying that I had payments on a student loan due. I have tried for a year, personally and through attorneys, to get in touch with someone who can help in Navient and have not been able to do so. They keep calling as debt collectors, refuse to let me speak with anyone who can help, and tell me that Navient is correct, and I owe money ( which I believe was their error and I do n't ). They are currently charging me the XXXX plus the interest for 10 years, which is inconsistent and unfair since the reason I paid off my loans years ago was to avoid interest. I am told no one can help me, there is no resolution center. They continue to harass me every day, including nights and weekends, and I have no ability to speak with anyone who can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times

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 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was talking with a mortgage company about checking rates and told them specifically and directly to not put a hard knock/inquiry on my credit. When I checked my credit report, they had not only done it once, but put a hard knock/inquiry on it twice. The company is XXXX XXXX XXXX XXXX and they put the inquiry on Transunion. While other credit companies provide the option to dispute hard knocks/inquiries, transunion 's online portal does not. Upon these two hits my credit score plummeted from XXXX to XXXX!!! 

If there is any assistance you can provide, please do. I closely guard my credit score and hate that this company put hard knocks on my credit after explicitly telling them not to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: College Foundation, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX is reporting in my credit file that I have an account with their company. However that is inaccurate information. College FOUNDATION acct # XXXX date opened XX/XX/1999 should be removed from my report is over 7 years old.

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 2017-04-06
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being charged for an overdraft fee when the online banking and mobile app state otherwise regarding funds available. The process of them debiting and crediting my account is off from what they were explaining to me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: LN CAPITAL CORP.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been helping client of mine with a mortgage application and working w XXXX Mortgage has been nothing but a nightmare come true, starting from their representative to their processing and underwriting. In my past 15 plus years experience I have never dealt with people more unethical and nothing but bunch of non experienced bunch of nobodies.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-14
Company: TCF NATIONAL BANK
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I was informed that TCF National Bank had closed my checking account. This decision was made because, in the words of the branch supervisor and managers, that I forgot to send in a requested Questionnaire that would update my current information. They also claimed that that the questionnaire had nothing to do with the bank, but was requested by the " XXXX. '' Yet the letter that accompanied the form mention nothing about a federal agency, but only TCF policy. I sought help from your agency and from the best of their knowledge they told me that they could n't find any law on file that stated that the federal government would send a questionnaire and suspend my checking account because it was not returned. Furthermore, what I find most offensive is the fact that my assets are now frozen. My funds have not been returned to me, they denied automatic transactions between my creditors, and I ca n't withdraw my money. However, they are allowing deposits into my account despite the account being officially closed. I have been misled by bank managers, been cheated out of my finances, and caused great distress over this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Revenue Cycle Management
State: NH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04
Company: Home Loan Center, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
About Lending Tree that collected debts on my account and help me to fined a lender mortgage for my home loan.as a know Lending Tree was collecting debts and fine the lender mortgage to finance my loan.But now the Lending Tree was lost contact and connections regarding to my housing loan.

Company response to consumer: Closed with explanation