BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am aware that TransUnion had a server error last year whereby multiple credit files had inquiries inadvertently removed. I recently checked my TransUnion credit report and can not with any certainty recall the history of any of the hard inquiries on my report. Therefore, because I feel victim to the lack of data integrity and the fact that TransUnion failed to follow the legal requirement of FCRA Section 611 stating that the credit bureaus must notify me within five days of reinsertion of inquiries, I ask that they remove all inquiries from my report. 

Please request that TransUnion remove the following inquiries : 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

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 2017-03-13
Company: RICHLAND HOLDINGS, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Did not know I owed this to XXXX 7 years ago until went to rent another Apt paid this bill in full to Richland holdings. They said they would remove from my credit report. They just keep resubmitting it I called them and they told me to show proof I paid this was 7 years ago and 3 moves. they told me to go ahead and dispute it was removed nad now is back. I am just wondering if they are collecting and not paying companies they are contracted with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Says no payment history for my Missouri child support. Also, says account closed. Not true. I have court ordered garnished payment of {$400.00} a week. Some of that is for current orders, but the rest is suppose to be applied to arrears, it 's not being reported. There are XXXX accounts on my report and they both say the same thing. As you can see from my recemt pay stub, i have made payments and the total I 've paid since XXXX of 2015. That doesmt include all the payments made before this year. Also, it says nothing reported for employment. I have been employed by systems Contracting since XXXX of this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Optio Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2017 I wrote XXXX, XXXX and TransUnion about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

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 2017-03-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Ad Astra Recovery Services Inc
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX XXXX center removed XXXX collection accounts but it is back on my credit report. Those XXXX accounts should have never been on my credit report. I had insurance at the time and I was not there on the day they claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank. 
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft. 
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again. 

Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer. 
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.

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 2017-02-05
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AES/PHEAA
State: MS
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 called FedLoan servicing on XXXX XXXX, 2016 requesting documentation to show exactly how much I owed on my student loans because my original creditor refused to proved me with original documentation regarding my loans. My mother and I signed the PARENT PLUS XXXX contract and filled it out in the financial aid office at XXXX XXXX XXXX. I have yet to receive any original documentation regarding my loans. I called back today, XXXX XXXX, 2016, and they are saying it will yet another 7-10 business days before I receive any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: Credit Karma, LLC
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX

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 2016-08-31
Company: AES/PHEAA
State: NY
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:
My husband and I consolidated our student loans after we got married to reduce our payment size and interest rate. Now, he qualifies for a Public Servant XXXX. The XXXX applies toward all his loans except the spousal consideration loan. Most of his loans were included in the spousal consolidation. When he asked them to forgive his portion of the loans, they said federal regulations prohibit undoing the spousal consolidation loan. We would have never agreed to the consolidation if we knew it would exclude us from government programs. Why ca n't we restructure the loan? This has been a road block for many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.

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 2017-01-31
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender has stated as of today XXXX/XXXX/XXXX the clients file was denied due to the active sale date on the loan - I advised the lender that this file has been in review for over 2 months with them continuously requesting docs to be updated and provided - I was advised on XXXX/XXXX/XXXX that the sale date was on hold/postponed and the file was in review, that noting was needed for that review. We have left several messages for the relationship manager assigned to the file with loss mitt with never receiving a response - I spoke to a rep today that advised the loan was denied a modification because of the sale date and that I should just resend the package and hope for the best ....

Company response to consumer: Closed
Consumer complaint received 2015-07-15
Company: RMS-Recovery Management Services, Inc.
State: NC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: IQOR US INC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02
Company: CIR, Law Offices
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: RMS-Recovery Management Services, Inc.
State: CA
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 was contacted via telephone XXXX of Recovery Management Services that I was in debt {$4900.00}. I disputed the amount and wrote a letter to the company asking for verification and sent it Certified Return Reciept Requested on XXXX XXXX, 2015. I wrote another letter asking them to cease and desist further attempts to contact me which was sent same method on same day. I got my return reciept back with signature XXXX as recipient on XXXX XXXX, 2015. I am still receiving calls which I let ring and I got a notice in the mail that they are now willing to negotaite to settle but still have not proved I owe the amount they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have contacted AWA collections 3 times by certified mail as well as disputed the XXXX fraudulent accounts with all XXXX credit bureaus and they allege the accounts belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, XXXX has been two months and they still ignore me but yet and still they continue to report the accounts. Accounts Numbers XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Monterey Financial Services LLC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX XX/XX/XXXX and the XXXX, XXXX, XXXX, though agreeing to take Medicare insurance, has sent an invoice dated XXXX/XXXX/XXXX for collection. I have repeatedly asked the collection agency for certain information and explained the insurance and included a letter from the Doctor detailing XXXX contractural obligation and repeated abuse by XXXX. I have not received answers to my specific questions to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Equifax regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.

Company response to consumer: Closed with explanation