BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Money withdrawn from my savings account in the amount of XXXX $ to pay for credit card bill with out my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Optimum Outcomes, Inc.
State: ND
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have disputed this account become I have XXXX. This account is n't mines. I have always had XXXX as an Insurance. By Law you ca n't bill someone who is insured by XXXX for out of pocket expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: GA
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:
INFORMATION ON MY CREDIT REPORT IS INVALID AND NOT METRO 2 COMPLIANT AND NEEDS TO BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Convergent Resources, Inc.
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:
Utility company billed me for an account that I never had. I did not own, rent or have any business with the account service address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a loan out with Citizens One Auto Finance for my XX/XX/XXXX XXXX XXXX when I was in XXXX. I paid off the loan and received a payoff statement from the bank dated XXXX XXXX, XX/XX/XXXX. The VIN # on this vehicle is XXXX and the account # is XXXX. 
On XXXX XXXX I went to the XXXX to get plates for my truck as I permanently move to XXXX XXXX XXXX, XXXX to address on front of this paper. I sent my XXXX plates back to the XXXX in XXXX, With XXXX auto insurance in hand, title, and payoff letter from this bank, the XXXX would NOT issue me plates dues to no signature sign off on the payoff letter. 
Product Vehicle loan Issue Managing the loan or lease

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
The company is reporting an inaccurately low credit score for how I am keeping my accounts and will not adjust it. I am getting penalized for using my credit, while others are rewarded for spending money with high vehicle and mortgage payments. This inaccurately low score is affecting my financial and other reputation unfairly.

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12
Company: Convergent Resources, Inc.
State: NC
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:
I was billed this amount even though I closed my XXXX accout before the next billing cycle. I do not owe this amount. I have talked to XXXX on several occassions. They agreed they would dischare the amount that XXXX do not owe if I resumed my cell phone service with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: TN
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:
My loans are now handled through Navient. Since I began my repayment after going through the rehabilitation process, I have very carefully noted my daily balance as often as I can. A couple of months ago, I noticed a fairly significant leap in my balance and emailed Navient to get some answers. I got a stock response that never really addressed the issue, my balance was adjusted back to where it should be, and all correspondence about this complaint were erased from my messaging history. Also about a month or so ago, my balance jumped again, this time they claimed the interest compounded. I do n't fully understand that, but I got no warning or information until I emailed them about my jump in balance. Leaves me with little confidence they are doing right by me. The fees for my loan are also severely hefty in comparison to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I viewed my credit reports and was shocked to find so many errors and incorrect information on my XXXX, XXXX, and Experian credit reports. There's many errors including incorrect personal information, wrong account dates, wrong account statuses, incorrect balance reporting, and inquiries that don't belong to me. I contacted XXXX over 45 days ago and the incorrect information has not been removed so I'm taking a step further to contact the CFPB to fix this 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 2015-05-11
Company: Sortis Financial, Inc.
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I started a deed to land contract with XXXX XXXX XXXX XX/XX/XXXX. The loan was then sold to Clear Spring Loans XX/XX/XXXX. This company then started to report this as a conventional home loan/mortgage. I have never had a home loan or mortgage with this company nor any other company and I am looking to have this and all record of it removed from my credit report. I have repeatedly contacted this company in writing and in phone calls to have this resolved and have not been given anything in writing and definitely nothing in the phone calls. They have since started to report incorrect late payments on my report and have stopped reporting ontime payments. They are intentionally hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Hello There, Commercial Loan Office From Rabo Bank Had Contacted Me Her Name Is XXXX XXXX To Refinance My Commercial Property, She Made All Kind Of Promisses Of Course Not A Single One Came Through. 
( 1 ) Loan Amount {$240000.00} ( 2 ) Closing Cost {$1500.00} She ordered The Apprasail {$730.00} I Paid For And Volunteerly Sent Me A Copy Of The Report Witch I 've Never Asked For. XXXX Called And Told Me Oh I Have Thee Best News You Have The Value And We Are moving Forward, Two Days Later She Calls And Said Oh We Only Can Do {$150000.00} NOT {$240000.00} I Go Why She Goes Just Because I Said No Just Return My {$730.00} Appraisal Fee I Have The Value I Have The Credit Its Your Problem Not mine. 

Her Manger Steped in XXXX XXXX And Said If I Move Forward With The Transaction They Will Credit Me The {$730.00} I Said Ok. 

I Was Contact By The Escrow office To Set Up A Signing Appointmet, I Asked Her About All the Term Of the Loan Come to Find Out That I Would Have A 5 years Witch No One Had Disclosed that To Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, and XXXX Account # XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: MARINER FINANCE, LLC
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.

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 2016-08-30
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted my a member of Richard Sokoloff 's office who threatened to sue me regarding XXXX outstanding debts ( less than a year old, less than {$300.00} each ). I was not notified via written mail details of the debts they were collecting to attempt, or over the phone. Due to the fact I was caught off guard by her phone call and scare tactics, I provided my credit card information to her over the phone. After researching the XXXX name, Richard Sokoloff, I realized that there are many outstanding complaints on him and that he was in fact censured and has been been disciplined by a state licensing authority. This office needs to be shut down, before more consumers are hurt and taken advantage of.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-22
Company: Capstone Funding Group, Inc.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01
Company: Diversified Consultants, Inc.
State: OH
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:
Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

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: Senex Services Corp.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
the collection agency calls me and just are nasty. they using profanity and threaten me stating I better pay my bill. I asked for a supervisor and instead they hang up on me. I know that for the time they are saying I owe I had health insurance. so I do n't know why I owe them money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
Opened a credit card account with Barclays Gold Card account. I am in the military and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX XXXX prior to the opening of the account. This is false as Barclays knew my XXXX XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.

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 2022-04-18
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I got a message from XXXX saying that there was a problem with the website and my information my have been seen on the website. I was XXXX  with XXXX and when I was in the XXXX  someone got access to the account and used money when I was in the hospital. When i got out of the XXXXl .I could not talk clearly. I email key bank and got a letter in the mail saying they got the complaint. I don't receive anymore information from them so I called and was informed there was no complaint so I file another complaint. I didn't get a response so I called again and was told that my account was closed. After that I got XXXX letters from my bank about identity theft and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: Streamline Recovery Inc
State: TX
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:
the original creditor stream elc account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time XXXX

Company response to consumer: Untimely response