BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: NEW YORK COMMUNITY BANK
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My account is es crowed with NYCB and I see a significant delay in paying my home owner insurance payment. Two months back I have opted for new home owner insurance policy, informed bank about it and I made couple of call to inform them about my new insurance premium payment. Insurance agent sent them invoice but bank never paid them. I have received a cancellation notice from insurance company, I called bank on XXXX XXXX 2017 to inquire about the payment and they admitted they never paid it ( my online account says they paid premium but it was not the case ) but there a confusion from their side ( not sure what it is ). When I asked them did they get cancellation notice from insurance company, they said yes as they got it on XXXX XXXX 2017 then why did n't they act immediately? why are they waiting until I call and let them know about missing payment? I call them on XXXX XXXX, they initiated payment on XXXX XXXX ( online account says disbursed on XXXX XXXX - false details ). Today is the last day insurance company would cancel my policy if they do n't receive payment, I called bank, CSR says we need allow 7 days to deliver the check, and CSR assumes it will be delivered and insurance would reinstate the policy, who is responsible if payment is not made by end of today? what if damage happens over the weekend? Bank put me corner and I was in scary mode now, surprisingly second time happening this to me like this as Title company never paid premium amount to insurance for which I lived in home for 7 months without home insurance and no one took responsibility about it. Always CSR speaks something not sure it is recorded they assume a lot but they do n't take responsibility, they give robot type answers, not allowed me to speak to their manager when needed. But CSR gave random answers, different CSR 's give different answers. I 'm worried and I see negligence from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I first started building my credit history beginning XX/XX/XXXX with a secured credit card. I got a XXXX XXXX account a month later. 
A year later, I converted my secured card to an unsecured card and also got a XXXX account. In XX/XX/XXXX, I got a credit increase on XXXX XXXX. 
In XX/XX/XXXX, I legally changed my name and reported this to XXXX XXXX. In XX/XX/XXXX, I  reported the name change with Social Security. Since I was on a debt management plan beginning XX/XX/XXXX, I reported the name change to them in XX/XX/XXXX or XX/XX/XXXX.

In XX/XX/XXXX, I reached out to XXXX  and XXXX  directly and sent them proof of the legal name change. I got some reports updated. In XX/XX/XXXX, however, I contacted my XXXX attorney because XXXX  continued sending me E-mails under my old legal name despite having asked them in writing to remove my account with that name. 
After being denied for a loan by XXXX XXXX in XX/XX/XXXX, I wrote a letter to TransUnion and attached several documents, including a drafted letter sent by my attorney. I pulled a report from XXXX under my new name and found that I have been on TransUnion 's file since XX/XX/XXXX. This was inaccurate since I've had accounts opened before then. 
So, using XXXX, I filed an internet dispute on XX/XX/XXXX, and I called TransUnion because I got a letter saying that they needed me to submit another copy of my social security card and state ID, which I did. I called them up in XX/XX/XXXX and found that the copies I submitted were illegible, so I sent it again using a different service to ensure that they were legible this time. I also went on TransUnion 's web site and found a report under my old legal name, and this one said that I have been on their file since XX/XX/XXXX. So, in my new letter, I asked TransUnion to merge both of those reports together. 
A month later, I have not received any updates or notices that the process was completed, and web sites like XXXX are not seeing my payment history or credit age yet. Also, public records web sites used for background checks don't have me listed under my new legal name.

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 2017-07-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Ditech Financial LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX, I faxed my mortgage company seeking clarification on fees I was charged. They appeared on myXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX, statements. Fax and statements attached for your review. After two months they send me a payment history, also attached for your review. The history show the charges, which I already show on my statement, however FAIL to detail/clarify, how exactly I incurred those fees. Or how is it that Ditech had the right to charge me those fees. Consequently, NO response was provided, they simply provided the information I already had, in a different format. Ditech has done this in the past. They sneak in fees here and there and hope you do not question them. I highly doubt I am the only person they do that to. I bet they have STOLEN Millions of dollars from customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: ECMC GROUP, INC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.

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 2019-08-05
Company: Embassy Loans
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
Embassy loans was paid an closed on XX/XX/2015

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 2019-08-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 I had a TD bank checking account balance of XXXX with 2 outstanding checks totaling less than 200.00, leaving me with at least 200.00+ in my checking. On XX/XX/XXXX, the automated system said I had a XXXX dollar balance. I spoke to TD bank and this is what happened. XXXX from TD Bank told me that she saw something called " deposit correction '' in my account, and that unfortunately sometimes an employee of the bank puts money in an incorrect account, and that she would e-mail her with copies of my bank statement and the withdrawing of my personal checking and savings account. She told me the person who did this was XXXX XXXX, Teleservice Manager at the XXXX, New Jersey TD Bank. To make matters worse, as I had XXXX in my account the day before, she withdrew XXXX - XXXX from my checking account, and then took XXXX from my savings as I had overdraft protection to total the XXXX. She left me in a dire situation as I could not pay my bills, the 2 outstanding checks were going to bounce so more fees, and the overdraft fee. XXXX gave me the name, number of the employee, her manager and his number, the CEO 's number, but due to it being a weekend, was unable to contact these specific people. 

She told me I should contact XXXX XXXX and ask her to refund my accounts, or talk to her manager to help rectify this situation XXXX XXXX at XXXX, and then gave me the CEO XXXX XXXX at XXXX. 

I should not have to contact anyone to solve this problem due to an internal error that they made and how am I supposed to figure all this out? And that I need to investigate their system 's internal problem. I have never heard of anyone being asked to resolve this error. She left me in a financial hardship situation as I am on Social Security XXXX and the 2 outstanding checks were going to bounce as well as the fee for overdraft protection, etc, not to mention possibly affecting my credit score which used to be XXXX. I live in XXXX, MA and my TD Bank is in XXXX, MA. I have never authorized anyone to just withdraw money from my accounts. What she did was illegal and she should solve this immediately. 

Also, by the way, since that was the exact amount of my mortgage, who I do NOT have automatic withdrawal with, I thought it was my mortgage company XXXX XXXX, so I had filed a complaint with you as I didn't know at the time it was actually from TD Bank and not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me, so I sent a letter out to the company to ask them to remove the account from my credit report and the company has not responded. It has been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Self Financial Inc.
State: MD
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:
On XX/XX/XXXX I went to my local XXXX XXXX and my card was stolen. I did not realize what had happened until XX/XX/XXXX because the purchases were not flagged by Self FinancialXXXX XXXX XXXX XXXX XXXX I contacted Self Financial and made them aware of over XXXX transactions totaling close to {$700.00}. The customer service representatives continued to not include all of the transactions that were fraudulent and lessen the amount owed. I also contacted the police and the incident was investigated throughly by XXXX XXXX XXXX and the perpertrators were captured on camera. Despite the fact that I offered to provide the police report, XXXX. XXXXXXXX XXXX information for direct contact, and proof of the theives existance ( Security officer at one of the stores is a witness ) Self Financial continued to deny my claim, because they said that transactions happened after the incident occcured. This is a lie, and comes from a place of profound ignorance of facts. 1. ) As I mentioned earlier in this letter, Self customer service agents did not record all of the transactions made by the theives so it makes it look like transactions came in after the fact. 2. ) The only transaction that " officially '' came in after the incidents was a refund of XXXX from " XXXX XXXX XXXXXXXX '', The thing that frustrates me the most is that even though I submitted this dispute three times to Self Financial they never contacted me to get the police report, or any information from me for verification. I have not only been victimized once but three times. 1. ) By the perpertrators of the crime, 2. ) By Self Financial who continues to treat me as an accomplice/or a liar and 3. ) My creditXXXX  score has been gravely affected because the credit card has a high balance that I did not create. This is a list of the transactions made by the theives : 1. ) XXXX {$100.00}, XXXX. ) XXXX {$1.00}, {$160.00}, {$87.00}, {$160.00}, {$24.00}, {$10.00} XXXX. ) XXXX XXXX XXXX {$100.00} and XXXX ). XXXX {$8.00}. Please note that all of these stores are located in the same place at a large indoor mall, therefore it is very easy to just walk from one store to the other. I used the card at a XXXX XXXX and the XXXX XXXX ( were it was stolen ) earlier in the day at the same mall. On a final note and something I have been pondering... sometimes I make a purchase and the transaction comes in as pending and then gets processed many days later as posted. Why is Self punishing me for something they have established as common practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Navient Solutions, LLC.
State: MO
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:
I contacted Navient by phone in XX/XX/XXXX after i withdrew to stop my loan and they agreed to do so.i also asked about the income based plan and was denied. Instead I was given the option of deferrment. I contacted them again in XX/XX/XXXX when i saw that they had turned it in to the XXXX. I was informed that another loan had been disbursed under my name which I informed Navient and the School that that was fraud. They blew me off like it was nothing. I contacted them again in XX/XX/XXXX after i disputed it on my credit and asked again can I get on the income based plan. Once again you are not eligible but we have something called forbearance. I never agreed to deferrment or forbearance in which I was placed. I was enrolled into XXXX XXXX XXXX XXXX in XXXX Missouri which seems not to exist because I can't find any info on the school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, XXXX UPDATE : Attached is EQUIFAX involvement " in whole or in part '' with this matter in a letter sent from XXXX XXXX. to the consumer ( me ). EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX. services. There is XXXX on my EQUIFAX consumer credit report to dispute ... This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX. What EQUIFAX information was used to reduce my credit line??? My EQUIFAX consumer credit score XXXX over XXXX ) during the time this incident happened is attached to this complaint. After paying down debt to reduce my debt to credit ratio, XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my XXXX XXXX. line of credit for my XXXX XXXX credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER XXXX XXXX. received my {$2500.00} payment, XXXX XXXX. reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a XXXX XXXX XXXX Credit Card XXXX representative XXXX XXXXXXXXXXXX XXXX that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my Experian, TransUnion and Equifax XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX. I received letters from XXXX XXXX. stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Tried to remove all negative thing from my report and inquiry

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 2022-03-03
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had this account with Wells Fargo Bank since XXXX. I never had a payment issue with this company. I received a letter in the mail dated XX/XX/XXXX, that states my account is closed due to inactivity. Upon receiving the letter on XX/XX/XXXX, I called and spoke with one of Wells Fargo 's customer service representatives. She indicated that the account was not closed that I need to activate the card then use it to prevent the card from being closed. I explained to the representative that I need to locate the card to activate. She asked that I call back once locating the XXXX. After searching, I located a card that expired XX/XX/XXXX. I called back to advise them I did not find the new card -- and was told by another representative that the account was closed. I asked how so ... when 5 minutes ago the account remained open. The representative apologized but repeated your account is closed. I asked to speak with a manager- I was transferred, but wasn't certain I was actually speaking with management because that person did not provide any assistance other to say I can reapply. I explained Wells Fargo did not provide an opportunity for me to keep the XXXX account open. You never sent a notification prior to closing my account? He did not reply. Only repeated, I can reapply because the credit card is closed and Wells Fargo does not offer that type account anymore. I advise this action does not sit well with me and I will be taking this complaint further. Not only did you not act in my best interest or give me an opportunity to decide if I wanted to close this account... you are not trying to repair the damage you caused by closing my account. My payment history is flawless with your company. And my credit history with the credit bureaus are Very important. By closing my account this will definitely cause an issue with my credit score. Is this some type of tactic Wells Fargo is using to get people to apply for additional credit? I am very disappointment with your service and this company. Why would any company try to penalize a consumer for not using their card?

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