BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: ABSOLUTE FINANCIAL SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A company claiming to represent our original creditor called and threatened legal action if not settled that day. The call came on XX/XX/XXXX at XXXX. The phone number on my phone records shows XXXX. They had personal information and balance of debt owed. A settlement was agreed upon and automatic payments were set up. {$120.00} to be withdrawn every two weeks starting XX/XX/XXXX until {$970.00} was paid. The last payment of {$100.00} was withdrawn on XX/XX/XXXX. We received no final paperwork. On XX/XX/XXXX we received a summons from the court that the actual debt collector was suing us for our full debt amount. We learned the company withdrawing the money, Absolute financial services LLC, was unreachable and in no connection with our original creditors, the debt collector they sold our debt to, or their law offices. We have since entered a case through the courts who in XX/XX/XXXX ruled in favor of the plaintiff, the debt collector and still owe the full amount of our debt. The judge sent us the fair trade commission information of the ongoing case against absolute financial services in hopes we can recover our money lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN  XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX   XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.

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 2020-06-28
Company: EQUIFAX, INC.
State: NY
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to make it to the bank before they closed on Saturday XXXX, 2020. By the time I got around to the drive-thru at Wells Fargo on XXXX XXXX  XXXX, XXXX Tx XXXX. The police told me that I could only use the ATM because the bank was closing. Since I was going to XXXX XXXX XXXX to ride jet ski 's I decided to go head and put the cashiers check in my account through the ATM machine. So when I checked my account on Tuesday it said the funds were not available. This is when I called Wells Fargo at XXXX and the lady that I talked with said that the funds would be held til XXXX because the person that gave me the cashiers check had a returned check. I know my check was for {$7500.00} but ever month before this month I have deposited regular checks from the same person and bank for the last XXXX years. I called the Wells Fargo again on XXXX, XXXX and again on today XX/XX/2020. Today I put my boss who gave me the check on the line so XXXX transferred me to her boss XXXX who told us we need to have his bank call XXXX. This gets even better at XXXX XXXX  when The XXXX  XXXX XXXX opened he called his bank and she gave her number for us when we got Wells Fargo on the line. I had Wells Fargo on the line and we also had the lady from The Bank XXXX XXXX on the line the call went all the to the customer service department. She tried twice to reach the branch where the check was deposited and know answer. They still have my cashiers check and I do not have the funds available. I also learned that they never submitted the cashiers check for funds to be released.

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 2020-06-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This email is being sent because of the undue burden placed upon me in an attempt to repay a student loan. 


SUMMARY In XXXX my student loan was consolidated with Navient in the amount of {$21000.00}. To date, I have paid {$74000.00} and STILL have a balance due of {$52000.00}. In addition, I will end up paying back an estimated {$160000.00} in total with the Income Based Repayment Plan currently being offered by Navient. This would be {$140000.00} in interest on a {$21000.00} loan. 


DETAILED INFORMATION On XX/XX/1996 the original principle on my consolidated FFELP Student Loan was {$21000.00}. 

Over the last 29 years, I have managed to stay out of defaulting on this loan by making payments totaling XXXX XXXX XXXX XXXX XXXX XXXX  Dollars and XXXX Cents ( {$74000.00} ). 

During this time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX Cents ( {$37000.00} ) in interest has been CAPITALIZED, converted into principle. 

To pay off this balance using the Income Based Payment Plan, Navient has provided an estimated pay off date ofXX/XX/XXXX. This entails XXXX @ $ XXXX = {$87000.00}, which when added to the {$74000.00} I have already paid would be a total of {$160000.00}. This is an estimated {$140000.00} in addition to the {$21000.00} loan, nearly 7 times what was borrowed! 

With {$74000.00} already paid, this debt poses an undue financial burden on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started the process to refinance our current mortgage ( with Mr Cooper ) and obtain a home equity line of credit for an addition on our home on XX/XX/2020. We were helped by XXXX XXXX from Mr.Cooper, our mortgage company, whom led us through the beginning of the process to start our refinance and credit line. He told us our credit was outstanding and we should do a different type of loan that would lower our monthly payments. He then told us we have to pay a fee from XXXX whom they ( Mr Cooper ) solely uses for appraisals. I paid the fee immediately, putting my trust in our mortgage company. They sent a woman to appraise my home that, not only, ran through my home without asking questions in under 5 minutes missing many key points of upgrades done, but also used unrealistic comps for my home. Before she left my home, the day of the appraisal, she asked me if I had any comps for my area. Strange, to say the least, especially after I paid XXXX to my trusted mortgage company to hire someone to ask me to do her job. I received the appraisal that was dramatically lower than what it should have been. I handed the appraisal over to a local realtor and appraiser, that laughed at the appraisal stating this is insanity! The woman hired by Mr Cooper Mortgage comped my home with comps that are abundantly less, not only figuratively and cosmetically to my home but that had variances on the property, in flood zones and on slabs. 
I sent in a request to revise my appraisal to XXXX ( the manager at Mr Cooper ) that told me my issue would be escalated in the company. I received a call from XXXX stating the appraisal was in review due to the fact it was indeed wrong. I received the new appraisal just 3 days later stating they increased the value a measly XXXX. Without sending a new appraiser, still using the same unrealistic comps. This company is completely NEGLIGENT and does not care to correct their appraisers after they admittedly state there is an issue with whom they forced me to pay to appraise my home and asked ME FOR COMPS! This business is horrible and misleading. Then they use the excuse its the law we can not use any outside appraiser why???? Why because they will state the truth not getting paid on the side to LIE about the worth of a home?????? Shame on this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$47000.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$43000.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX US SM BUS ADMIN ODA : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I checked my credit report Transunion and noticed fraudulent inquiries on there

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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Recently I reviewed my credit reports and saw there was fraudulent accounts and inquiries all of which I never opened nor gave permission. After submitting a dispute through the major CRA 's about this situation where these accountthat are not mine and they opened an incident ticket for me. They informed me that they needed an FTC Identity Theft report which I then submitted to them. But upon checking my reports and credit history, the accounts identified remain on the reports negatively impacting my financial profile.

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 2019-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my phone while Im at work.

If I dont answer my phone they call my parents or my other family members.

They harrass by keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have disputed inaccurate items from my credit report and the credit bureaus haven't answered me

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 2021-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Credit bureau refuses to conduct proper investigation of accounts I have disputed. I have dispute accounts on my credit report multiple time since XXXX of 2020 for inaccurate reporting. On my last 2 disputes I clearly requested that I be provided proof of the methods used to verify my accounts and I was not given them. Where is the proof? what documents were used? Who did they speak to? where is a copy of the certified mail receipt? I was given nothing that I asked for. Equifax has continuously reported inaccurate and unverified information on my credit report that has significantly caused harm to my family and I and I refuse to take this matter lightly. I demand that these accounts be removed from my credit or that I be given the proof that I asked for. Also the credit bureaus claims the the furnishers sent me the documents that I requested and that to is a lie. I have received nothing via mail or by email. I have attached both of the letters that I sent specifically request proof or that the items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BB&T CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection 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 2019-03-25
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted the company in an email that i can not make mt oayment on Monday, XX/XX/25, they will not extend my repayment until Wednesday XX/XX/XXXX, when i will have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
This account is negatively affecting my credit. Is a very old account and I need it to be removed from my credit report. They do not have my signature to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have send several letters to Equifax, disputing errors and asking to fix my credit since a litle over 4 months ago they erased my credit history, though intentionally hurting my credit report and my ability to get credit, i have file two other complains to CFPB, send already 3 letters directly to them with a copy of the report my driver license, SS card, yet 4 months later my credit is not fix and still reports only two accounts, i am a responsible person that work hard to build my credit and this company refuses to fix their error, only two accounts are reporting, I just open my business and got I got deny credit for not having a credit history letter is attach.. see below what they report only two lines of credit Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX  XXXX XXXX {$3500.00} - Revolving Current XXXX  XXXX You have 1 Closed Account Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One So i was previous told by Capital One representative, while on the phone, that I would only get charged if, IF, my balance remained above {$0.00} BALANCE. Like all other credit cards i have, if you use money, and the next month you only pay partial, then of course, you'll get a fee from the remaining balance. 

The problem thought is not that I didn't pay and bring my entire credit card balance to {$0.00}, yes, i paid full to {$0.00}, but that after i did so, and the new cycle began, i was notified of a {$3.00} dollar charge of interest. Hold on, that is ridiculous. If you pay the full amount before its due date, bringing it down to {$0.00}, why should i be required to pay for something i am not depending on, like any interest? I mean, i paid the whole balance, all before the due date. Yet, even thought the new cycle began the next month, and even thought my balance showed a {$0.00} before hand, when the new cycle updated, it had a {$3.00} interest charge. 

When i contacted Capital One, the rep explained to me that if I didn't use the credit card for the upcoming cycle ( or month ),  then the {$3.00} would be removed. No reason to be charged. 

So then, i didn't use my Capital One credit card, just because i am not fully certain about them. 

The new cycle began, and guess what -- my new balance was {$6.00} cents. I was charged another {$3.00} ... ..but i didn't use the credit card at all ... .for a whole month. 

Again, i called the first time, and was told that i would not be charged and the balance would be removed. Check my history, the person i spoke with after my XXXX bill was released XX/XX/XXXX. 

I was told while on the phone that yes, i had to have 2 months of {$0.00} balance ... .in order to have no interest. That's not what i was told about previously - check record, it sounds like an intentional lie. It is a joke and a fraud ... and to make it clear ... while on the phone, the guy said that if i didn't use the card, the balance would be canceled ... yet that has not occurred ... He lied to me..he lied while on the phone. That is ridiculous. I don't car about the XXXX dollar fee as much as the lie to me. It insults me to be charged and mislead.

Company response to consumer: Closed with monetary relief