BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Credit Central Holdings, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am just struggling to pay my bills since this COVID virus out break and i am on XXXX and living alone myself just to made my ends meet. the Loan place keeps calling me every day i had a naught of it so i had my number change but they are a called my aunt number and harassing her. The loan names is Credit Central Loan gency in XXXX, Alabama i just own {$400.00} dollars my payment {$64.00} a month if try to explain them im the only one living in this house and pay my high price Electric Bill and about 15 others bill to take care of myself. And now everything is in a mess. I've try to tell them if i have extra money left over from paying my bills i will pay them. But also i have alot of people told me about Credit Central they will Harassing you to death. And them lied about or some issues! im getting tired of this please send a letter or something to them to quite calling my aunt and family members and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've dealt with Navient XXXX XXXX XXXX many times starting from XX/XX/2019 to the current date ( XX/XX/2019 ). Anytime I make an additional payment they somehow administratively XXXX up the payment to be disbursed to the wrong loan. 

The loan is a Consolidated Subsidized and Unsubsidized Loan. They have a system set up on their website to allocate funds to a specific loan ( i.e. highest current balance, highest current interest ratel, or prorate across selected loans etc. ). I want to pay my loans off as fast as possible, so I have chosen to submit additional payments to the the Consolidated Subsidized loan, which has the least amount of principal left. 

Anytime I make an additional payment, I have to call them and correct their mistake because they will always split the additional payment between the Subsidized and Unsubsidized Consolidated loan. After calling them and having the additional payment made to the Subsized Loan, they automatically prorate the next payment, so my automatic payment isn't being distributed the way I want as well. I spoke to them on the phone and requested they not do that, but do it every time. 

It seems their website has a system in place to help the user, but their system isn't functioning properly when you choose what you want. 

Also, it seems silly that I need to take time out of my day consistently to make sure they are applying my additional payments to a loan I have specified to them numerous times. 

My additional payments are {$100.00}, and my automatic payment is {$290.00} and it comes out every month on the XXXX. 

I thought it would be fair for me to put in an official complaint so they understand my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Thank you for your recent contact dated : XX/XX/2019. 

I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit AgreemenXXXX ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Seterus, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I received a Modification on my home with XXXX XXXX that did not lower my Mortgage enough to help make payments affordable.I had to find more work since I am on Social Security XXXX.I made all monthly payments even though some were sometimes late. 
In XX/XX/XXXX I was granted a Disaster Forebearance for 6 months because my work was affected by the Hurricane. The Forebearance was extended an additional 6 months because my financial situation had not been resolved. 
In XX/XX/XXXX I applied for another Modication to include the money owed during the Forebearance but was denied for all programs. 
I was told by SETERUS INC that I could not make the XX/XX/XXXX payment because it would not be accepted until the months owed during the Forebearance were paid.I have applied for HOME SAFE GEORGIA to pay the arrears and am awaiting their decision. I informed the Mortagage Company of this. 
I have been in frequent contact with the SETERUS INC to keep them informed of the status of the application but was told on XX/XX/XXXX that I received an INTENT TO ACCELLERATE in XX/XX/XXXX DURING THE FOREBEARANCE that is still active and they could start FORECLOSURE. 
I AM IN FEAR OF FORECLOSURE.

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 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX XXXX close my account for no real reason no bounce checks nothing. ( XXXX ) the branch manager seems to have issues to how I take money out as well as an issue after I use my card at the window to how I take money out. My next issue I get Cashier checks and she wants ID in which I have and ask for more ID than is required. I been doing this since I open the account. I found this to be bias ( XXXX ) the branch manager.  There was no need to be so nasty as if I cant say anything and she took it personal on me. I have also contacted an attorney to the situation of how she just for no reason closed the account. Bank of America has not or created so bogus reason for the closing of the account. I find ( Jessica ) the branch manager very bias towards her actions and have spoke to several other legal people to my rights and filing a law suit on Bank of America and there employee being the Branch manager ( XXXX ) she has an attitude towards me since the day I get cashier checks. As if I want to withdraw money is my business as well into question her on her Bias actions. I'm also filing a complaint with the US Attorney office as well as the Bank Comptroller on her actions. No notice or phone call to her actions at hand. And Bank of America on the phone tells me they have a right base on her actions. It seems very bias and XXXX motivated on her part.

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 2019-05-03
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit collection services is reporting a collection on my credit report. It is showing under XXXX XXXX. I have requested validation several times, with no response. The account is inaccurate and a result of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While trying to extend my forbearance on my loan with Fifth Third Bank, which I have had a 12 month, and a 3 month extension for a total of 15 months, I was told that there were no extensions beyond the 15 months. I have researched the CARES Act, and the allowance of 2 extensions, or a total of 18 months. Are they not aware of the laws put in place to support those affected by the COVID-19 pandemic?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I received a payment from a friend in the amount of {$65.00} I was out of town and had car trouble, and the money was to help me out. When I attempted to transfer to my debit card, I kept getting an error message. Thinking the issue may be with the card, I added a different debit card I have with another bank. I was still unable to transfer the money. Upon reaching out to the " help '' section, I learned my account had been frozen because I'd evidently added a debit card that was already linked to another users account. Which probably is my husband, and it's a joint account. Since that time, I've sent multiple documents from both banks, photo 's of the actual debit cards, and copies of my non expired driver 's license multiple times. My account remains frozen and I am still unable to access my money. I've sent dozens of emails, chatted with customer support via the app chat support, and called and spoke to representatives. I believe XXXX is willfully and intentionally holding my funds unnecessarily and without merit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: HW Holding, Inc
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I was alerted through credit monitoring that a company named Hunter Warfield in XXXX, FL reported a fraudulent collection account under my name and ssn #. I immediately contacted Collection Attorney XXXX XXXX who sent a letter to the company requesting court documentation confirming the account however no court documentation or court judgments were provided. Attorney XXXX requested court documentation again in XX/XX/XXXX however Hunter Warfield failed to provide any court supported documents as required by the State of Michigan for non-payment of rent complaints. Instead the company continues to report inflated amounts for a fraudulent collection account to all 3 credit bureaus in attempts to ruin my credit. A 7 Year Fraud Alert was initiated on my accounts in XX/XX/XXXX after I received alerts for Homeland Security and the US Dept of Personnel in Washington, DC indicating that my personal information was compromised from their databases, and this information was sent to all 3 credit bureaus. The fraudulent entry of Hunter Warfield needs to be removed from my reports unless they can provide court documents, court judgments, or other court documentation for the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple written communication with the debt collection agencies LVNV Funding LLC, XXXX XXXX & Resurgent whom all are attempting to collect on the same debts. In addition I have requested a debt validation of the debt and neither of the above identified companies has provided me with the requested information. 

Several request to have this information deleted from my personal credit file was also request and the above mentioned named companies has failed to remove this information from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

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 2018-05-17
Company: Accelerated Financial Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received notice from relatives that AFS collection company has contacted them asking for information about me and gave personal information about me. They have obtained addresses and phone numbers of relatives too. The amount and statue of limitations is up and I had previously paid the company I have not received a notice of any information. I told them verabally to stop contacting me but they refused. They call repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX BOD XX/XX/ SS # XXXX SPS Serving has not updated my mortgage pay off and this is affecting my credit. 


They are the worst mortgage company. they would not help me to refinance my mortgage. I had to find another mortgage company XXXX XXXX and they were very helpful with my re-finance. The mortgage has been paid for two weeks and still they send me letters that my mortgage has not been paid. 

Solution : update my mortgage as paid off and stop harassing me for none payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Items ordered at XXXX 's online on XX/XX/19 totaling {$710.00} were returned to XXXX XXXX XXXX XXXX, FL store on XX/XX/19, 2 weeks before my payment due date of XX/XX/19, resulting in a credit balance as of XX/XX/19. Despite the fact that a credit balance existed on the payment due date of XX/XX/19, Macy 's began harassing me by calling and leaving messages for me on a daily basis. When I spoke with 2 Macy 's representatives on XX/XX/XXXX, I was told that I would incur a late fee because I had not paid my minimum payment of {$27.00} on the payment due date of XX/XX/19. I advised the representative that on XX/XX/19, based on my merchandise return, I had a credit balance and no payment was due XXXX   's. XXXX seems to believe that they can require credit card customers to make a minimum payment even when the customer has a credit balance. In fact, the first representative insisted that my return, although it was made 2 weeks in advance of the payment due date, would not actually be credited until my next month 's statement! Apparently, XXXX  's has found a way to require customers to make so called minimum payments for merchandise that the merchant has already received back in its stock!!! This smells like fraud to me! After having my attorney speak with the 2nd representative, supposedly no late fee will be assessed. I have no idea whether or not XXXX 's will continue to harass me or whether they will waive their late fee! CFPB needs to investigate this practice!!!!!!

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 2017-11-21
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center. 
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.

I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.

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 2019-05-03
Company: Experian Information Solutions Inc.
State: CO
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:
I have previously filed a CFPB regarding XXXX XXXX and it was resolved to my satisfaction. However, XXXX  ; Experian and XXXX are not removing this negative item and it is harming my credit score. ( Please see pages 17 and 18 of the attached credit report. ) Therefore, I am filing a new complaint against XXXX ; Experian and XXXX because I have tried to fix this issue with them, but they are still reporting the late payments.

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