BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In reference to a previous case with cfpb XXXX this loan is not involved in a active litigation. Complaint and Request for Qualified Written Response ( QWR ) from J.P. Morgan Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My debit card was used by someone else online and my bank had to close it and issue another one. Equifax put that on their report as an alert and lowered my score dramatically as I did something wrong. That needs to be corrected. That agency constantly sends letters for more information when I try to correct wrong data but never does anything positive ( I sent them all info they requested three times already via post office and online ). Their credit score is lower than others by almost XXXX points. They also report accounts that were deleted and do not appear on any other credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Platinum Holdings Group, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Monday XX/XX/XXXX/17 I received a call at my employer by the name of a gentleman XXXX XXXX. I 've asked him please do not contact me at work and to call on my cellphone. Everyday since, either him or another employee have continued to contact me on my work phone and I continued to ask them to call my cell, the one woman who called me said you wo n't have to worry about the calls, because you will be sued and served in person at your job. I 've asked for any documentation in regards to this debt that I owe and they could n't provide me with anything. I informed them I have never received any documentation or any phone calls from them which I 've had the same cell # for 10 years. They have also called my Mother and told her everything about my account and that I will be sued if I do n't call them. They have left threatening messages on my cellphone and also my work phone. Telling me it would be in my best interest to contact them by the end of the day or they would continue to contact my employer. They called my job again today XX/XX/XXXX/17 and I informed them I wanted to deal with the company ( original debtor ) regarding this matter, I 've read bad reviews on this company and I 'm tired of them harassing me at work and I informed them I would pursue with a complaint. XXXX then yelled over me and said I was " Ignorant '' for believing what I 've read and I will be sued by him. I received an email from them stating they would " Settle '' however that 's not a settlement amount he told me that was the full amount due. I 'm tired of the calls at work and now on my cellphone threatening to sue me, when I have never received anything from them whether in the mail or on the phone until recent, and they claim they 've been contacting me. This XXXX is also acting as if he 's an attorney. I also thought it was mandatory as a debt collector to always say, " This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose '' They have not once said that to me on the phone, but was in this bogus letter I received. I want this company to stop calling me at work and now on my cellphone and calling me names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2015-05-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a memory foam bed through XXXX XXXX on XX/XX/XXXX because they offer no interest financing for 2 years ( or even longer, but we opted for 2 years ). Not surprisingly, this offer is still listed on their website, here : XXXXHowever, this offer is serviced by Wells Fargo and they are refusing to honor the terms of this agreement. Wells Fargo started charging me interest on roughly half of the remaining balance starting in XX/XX/XXXX ( which is 14 months after the purchase ). When I called Wells Fargo customer service, the rude representative told me that " I signed '' an agreement saying that the no interest period was 12 months. That is n't mentioned in the agreement I signed. According to my records I did not sign any such thing. Unless they can furnish the document, then it did n't happen. Also, if the representatives story was actually true, why would interest charges only apply to a fraction of the remaining balance and not the full balance? Also why would it start to happen 14 months later instead of 12? I have n't used the credit to buy anything besides my bed and pillows. Somewhere a mistake has been made. Wells Fargo should not charge interest until XXXX XXXX as per their agreement! Which they are not honoring. So far I have accumulated {$330.00} of erroneous interest charges according to the statement on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My parents, XXXX and XXXX XXXX, obtained a loan from XXXX some twenty years ago relating to flood damage to their home in XXXX. They made payments on the loan for years. They are both now deceased. 

XXXX XXXX passed away on XXXX XXXX, XXXX, and XXXX XXXX passed away on XXXX XXXX, XXXX. Both died intestate, and without assets. No estate proceedings have been, or will be, commenced. 

Bayview is attempting to collect the loan despite the fact that both parents died without assets. 

In addition, Bayview is attempting to collect this debt from the decedents ' daughter, XXXX XXXX, who bears no legal responsibility for this debt. They are sending demand and collection letters to XXXX XXXX at her address at XXXX XXXX XXXX, XXXXXXXX. The decedents, XXXX and XXXX XXXX, never resided at XXXX XXXX XXXX. 

Finally, Bayview is falsely misrepresenting that this is a mortgage debt and that there is a mortgage on XXXX XXXX XXXX, XXXX XXXX 's residence, when that is not, in fact, true. XXXX XXXX is an apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
I obtained a loan from Springleaf Financial 's ( now OneMain ) branch in XXXX, Pennsylvania. At the time the loan was made, I provided the lender with a routing number and checking account number from which to withdraw the monthly payment. 

I recently changed banks. Well before XX/XX/XXXX 's scheduled withdrawal, I logged into OneMain 's website and submitted a new routine number and account number corresponding to the new checking account. I have since logged back into the website to verify that the new account information ( XXXX ) is displayed as the payment account. 

Nevertheless, OneMain has made 2 attempts in XXXX to withdraw the payments from the old account at XXXX. XXXX refused to honor both drafts, and charged me {$35.00} for each dishonored draft. 

Calls to both the OneMain branch and web support center did not provide an explanation for the unauthorized drafts against the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Just as what happened at XXXX XXXX XXXX whom transferred my account without my consent to Huntington Bank monies were removed via late fees which now are getting close to {$1000.00} per month for the last 3 months. several times late fees were changed to my account without any reason at first they were removed now they 're getting worse. I called and requested that charges be removed and my account audited for the year. Bank officer on phone XXXX said they would send me a email how to get a audit, the email never came. I requested this on XXXX/XXXX/2016. Now I have filed several complaints which have proven with paperwork to be correct but I have never been refunded on any of the cases I filed with CFPB, FTC, DOJ or any legal agency even though my paperwork was use to prove cases. This I believe is a criminal organization which seems to get people inside banks, agencies to commit fraud then violate me in trying to protect reputation including Federal agencies whom I sent paperwork and went in person to give paperwork to FBI, IRS etc. As for CFPB I have received after filing complaint a call which states that I should call a phone number I do so but the number never answers and phone company states number out of order. Just In the last several months means to directly contact Huntington has gone from website there is n't any chat, email or a direct address to headquarters when there used to be able to do so online. 
In conclusion I have filed similar complaints sent in evidence as I did for my former home address when several banks fraudulently use a similar address to mine to file fake mortgages then when I reported case to FBI and police cases would be filed without trial to protect government officials involved in fraud. ( XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX ). I sent in claim paperwork to DOJ law firm in XXXX and have heard nothing for the last 3 years, likewise for my bank complaints like XXXX and now the same thing at Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: United Student Aid (USA) Funds
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 'm filing this complaint in regard to my student loan with Navient and the collection agency XXXX. This complaint, steam from having multiple agencies and collecting agencies demanding payment on this student loan. Now, you would think all these agencies would communicate with each other, but they are n't sharing the information of withholding my IRS return. I have found out from requesting a credit report, that this action has a negative reflection on my credit score. I have attempted to explain my situation, within reason to the XXXX credit bureau ; XXXX, XXXX formerly known as XXXX and XXXX XXXX. I have experience in contacting these organizations are very unreasonable and inhumanity. Yes, my student loan is in default from not having mean fully employment, in other words, I have regain employment from alone period of live changing events beyond my control. I ask of you, the Ombudsman Group to assist me with XXXX, ( XXXX ), in reaching some common ground within reason. I thank you all your assist and look forward to hearing from soon. XXXX has my file not Navient trace number : XXXX Acct Number : XXXX XXXX. At this time, XXXX is demanding payment and is threating me with garnishment of my salary. I have forward a request for delay. Once again, I truly thank you. 

Sincerely ; XXXX

Company response to consumer: Closed
Consumer complaint received 2016-04-22
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.

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 2016-05-05
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.

Company response to consumer: Closed
Consumer complaint received 2016-10-14
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my account at Huntington Bank in XXXX on XXXX XXXX XXXX and they kept it open and continued to bully me through unauthorized usage of my account which is unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I always pay my auto loan online using my credit union 's online bill pay feature. For that reason, I never open the bill envelope from Nissan Motor Acceptance Corporation because I 've never paid by mail. NMAC I just found out has been charging me a {$22.00} late fee each month for years now because I paid past the XX/XX/XXXX of the month. This is wrong for many reasons. No mortgage company ( which essentially the NMAC is ) ever applies a late fee until at least two weeks into the month. To apply a late fee for paying past the 2nd day of the month is unheard of in the mortgage industry. For that reason, I am asking that they refund all of the late fees they charged me plus the interest that accrued on those fees. I have never missed a payment nor have I ever paid past the XX/XX/XXXX of the month ( perhaps only a couple of times ). So their late fees are simply outrageous and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-16
Company: National Arbitration Forum
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I 've not had any written communication from this company. I have received two calls that do n't say it 's debt collection but that 's implied. They do n't say who they 're calling for. Here 's the transcription of the messages left from the two calls. 

XXXX/XXXX/15 XXXXHello, this is XXXX. We have some papers in your name and address that 's??? an investigation. They require your immediate attention. We need a return call back to me so that we can report to you 've been quoted in compliant in our investigation. Our office number is XXXX XXXX ) XXXX Please reference file number???? when calling. Have a good day. 

XXXX/XXXX/15 XXXXThis is the final courtesy call from XXXX XXXX XXXX before reporting that you 've been uncooperative in the investigation against you.??? hear from either yourself or your legal representation today we 'll be left with no recourse other then to report your noncompliance in this issue to the proper jurisdiction. Our office number is XXXX XXXX ) XXXX Please reference file number????. Thanks, we look forward your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: AMCOL Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A third party collection company is reporting an alleged debt to the credit reporting agencies. They never sent a notice of attempt to collect or right to dispute, nor any communication whatsoever. I only learned of the activity while checking my credit score. Also, they are reporting the same alleged debt XXXX and attempting to collect XXXX for the same alleged debt, which is related to a medical bill which was previously paid by insurance then reversed recently after my former employer illegally rescinded the policy and retroactively cancelled coverage by more than a year. The matter is currently under investigation by the EEOC, USDOL, XXXX and pending civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Negligent negotiator assigned to the account and after a 60 day extension was given on the file, the lender has retracted from their agreement and issued a foreclosure sale date for 30 days demanding we close escrow prior to the foreclosure sale date. Short sale negotiator is asking for documents that have either already been submitted or are ridiculous such as " a list identifying all parties in the transaction '' and XXXX documents when the property is not in a XXXX. We previously had to escalate the file because of this negotiator because she consistently told us the property was just going to foreclose rather than trying to help us. Negotiator 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: Netspend Corporation
State: IN
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation