BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-06
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. 
At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. 
Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
I took out a loan for a vehicle that I purchased in 2018 with Ally Financial. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

Ally has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my Ally account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to Ally and XXXX about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, 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 2021-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I was contacted by Navient and told that a private loan held by them would enter into default if I did not make a payment. A payment arrangement was made for XX/XX/XXXX. On XX/XX/XXXX, I received a letter claiming that this loan was in default. After calling to discuss it, I was told that they had never received any payment and that my loan could not be removed from a defaulted state. After checking recent bank records, I saw no evidence of any attempt to collect the payment as arranged. This is counter to the agreement made with Navient 's customer service and when this was mentioned, my complaint was dismissed with a statement that it " did not go through '' and the agent I spoke with ( " XXXX XXXX, '' likely a pseudonym ) attempted to pressure me into making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed a debt on my credit report on XX/XX/XXXX from receivable Performance. I asked the company to provide me with a validation of the debt, I also told them that this account is not mine. I send them a letter certified. which was received and signed on XX/XX/XXXX by XXXX. As of today XX/XX/XXXX I have not received anything from this company and they are still reporting this debt as mine on my credit report. Im attaching a copy of the letter and the certificate of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Storehouse Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The website https : thetexasmortgagepros.com advertise rates on their website without disclosing the criteria for the rate and apr. When I called and asked for a rate, I was quoted a whole lot different rate than what the site is advertising. After a lot of questions, I was told those rates are for " preferred '' borrowers only without disclosing what a " preferred borrower '' is or what constitutes a " preferred borrower ''. 

The advertised rate is nothing but a bait and switch strategy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had my loan with Citi Bank since XXXX. I was no the rapid pay, by paying morgage every two weeks. In XXXX I was laid off of my job and I contacted Citi about refinance for a lower rate. My rate is 9 % and from start of loan until XXXX I was never late. They never lowered my rate. In XXXX I asked for assistance and was told, I could do a short sale on my home that I had not missed a payment on. I lost all my savings, and XXXX k paying my mortgage when I did not have a job. I became employed in XXXX. I was totally broke by then and I struggled to pay house hold bills even though I had a Job. I turned off phone, cable and did not go on any trips for over a year. In XXXX XXXX I was informed on XXXX/XXXX/XXXX that my check was returned NSF. I was never called about this, when looking a my bank statement I had more money than I thought and I looked for my mortage payment and it was not taken out I called Citi and was told I had to pay for XX/XX/XXXX through XX/XX/XXXX payments and fees from the attorney. While speaking to the agent, they was calling the wrong number and sent information to wrong email account. I was not notified of a Forclosure until XXXX/XXXX/XXXX. When I asked for my represenative she was very rude and short with me. I provided her with correct conact infomation and she gave me the attorney number and said I could do a short sale. I only owe {$69.00}, XXXX. I have asked XXXX to allow me to continue every two weeks payments so I could keep payments up and get out of debt, and was told " no we dont have that program anymore '' I feel that Citi is not helping me and want to take my home. I have not been given a court date to dispute the Forclosure. I would like my original payment of every two weeks and an new support person for assistance.

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 2018-06-06
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.

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 2018-06-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IN REGARDS TO : EQUIFAX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX. THERE HAS BEEN A ON GOING PROBLEM IM HAVING WITH EQUIFAX NOT SENDING ME MY RESULTS AS I HAVE REQUESTED VIA USPS MAIL INSTEAD OF SENDING THEM THRU THERE ON LINE SYSTEM IN WHICH HAS ME BLOCKED OUT AND DOES NOT WORK SINCE THE DATA BREACH OCCURED. I HAVE SENT COUNTLESS DISPUTES AND EVEN MADE A SEVERAL PHONE CALLS WITH REPSENTATIVES TO REMOVE AN ADDRESS FROM MY CREDIT REPORT THAT IS FRAUDLENT AND IS NOT MINES. I AM A VICTIM OF IDENTITY THEFT AND THEY DO NOT DO PROPER INVESTIGATIONS EITHER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I am attaching the investigation requests I sent to the credit bureaus on XX/XX/XXXX. Almost 90 days have passed without a response. They were supposed to respond in 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't know what these are on my credit report and it needs to be removed immediately. I will take legal action and I will file complaints with the XXXX and CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact  Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, my parents purchased a savings certificate for ~ {$1300.00} from XXXX XXXX, which has since been purchased by Wells Fargo. I went to the Wells Fargo branch in XXXXXXXX XXXX XXXXXXXX, PA but they were unable to help me and it was nearing closing time. I contacted customer service who assured me a branch could help and I went to the Wells Fargo branch in XXXX, PA. When I showed the Personal Banker the Savings Certificate, she stated there was nothing that she could do but she would " go through the paces '' anyway. After roughly 30 minutes of being on the phone I was told it was either cashed or there is nothing that can be done. There was no supporting documentation to show it was cashed and the bond states it " Must be surrendered '' upon cashing it in. I then sent an email to to the board on XX/XX/XXXX. I spoke with " XXXX '' several times who asked me to fax a copy of the certificate to him on XX/XX/XXXX. I sent a copy to fax number XXXX referencing the case number he assigned which was XXXX. He finally indicated on XX/XX/XXXX that they could not do anything to help me. I asked for a letter stating they can not help me and indicated that the funds do not just disappear.

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 2020-08-20
Company: AES/PHEAA
State: FL
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 am the cosigner on the student loan.The loan states I can get a co signer release if 48 payments are made " on Time ''. 
My son pays the loan early and has not missed a payment in 60 months. 
They will not release me as cosigner because he pays the payment Early. How bissare is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made payments on my card 3 days ago and today and they have still not posted by Capital One. When I called and asked why oh, I was not given a good reason and I was told to wait until next Thursday. I don't think it's good business to hold a consumer 's money and do not give them the benefit of using that money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Payward Ventures Inc. dba Kraken
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I previously disputed an account on my credit report with XXXX for XXXX XXXX XXXX. This is a paid collection, however XXXX XXXX XXXX is not a Licensed collection agency in the State of North Carolina. Therefore its against regulations for XXXX XXXX XXXX to continue to report negative information on my reports. When I attempted to disputed this on my credit report XX/XX/XXXX with XXXX, they denied my request on XX/XX/XXXX leaving the paid collection on my reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2018.

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 2018-03-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been harassed by CMRE Financial Services multiple times in the past 3 years. In the past 3 years I've paid them at least {$400.00} each time I've been told that I paid them fully and the issue was resolved, I even set up payment plans with the company and they came after me again. I recently paid them an additional {$54.00} in XX/XX/XXXX for a bill I do not believe was mine just to get them off my case. I was recently contacted by them again on XX/XX/XXXX. XXXX has admittedly told me there are many different accounts under my name and that people aren't careful enough when entering in the debt 's. So sometimes it is under the wrong person. I have definitely have 100 % paid much more than I could have ever owed. I need someone to investigate this company. The number they called from XX/XX/XXXX was XXXX My transaction XX/XX/XXXX showed up in bank as XXXX XXXX XXXX XXXX CA XX/XX/XXXX Debit card transaction {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The sales clerk informed me that a solf inquiry was to be pulled on my credit report to see my score, but it ended up being a hard inquiry not only by the dealership but multiple underhand " banks. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize or have authorized the noted inquires on my credit report. Please remove inquires on my credit report immediately as this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with countywide that had already been released. We continued to pay Ocwen under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to XXXX also under threat of foreclosure for a brand new loan no one ever gave us. 

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. 

The only explanation is that the loan started over. - what does this mean? What is this loan?

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