BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan that is six months old and serviced by Green Tree Servicing LLC. I have had nothing but problems with this company. Now they have issued my insurance premium to the wrong insurance company as of XXXX. I switched insurance carriers in XXXX, more than enough time for Green Tree to update my escrow account. They 're customer service is horrid and yields XXXX results. 

They also drafted my XXXX XXXX payment on XXXX XXXX which ignited another nightmare round with they 're lousy customer service who could n't explain why my XXXX payment would be drafted two weeks early. Needless to say the people on the phones could care less and I suffered the consequences of overdraft fees incurred by this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Temporary lifted security freeze at all 3 credit reporting agencies. XX/XX/2019 to XX/XX/2019. Made my new car purchase on XX/XX/2019. Contacted all 3 companies to reinstate freeze, but Experian made it impossible. Other two companies EXCELLENT in process. But when you try to contact a human at Experian, it is next to impossible at both XXXX or XXXX pushing the old 00000 got you no where and saying " representative '' didnt work either. Once human contact was made, was advised I had to honor the dates requested leaving me wide open for fraud. Refused to assist or give me supervisor and eventually hung up. NO COMPANY SHOULD HAVE THIS POWER WITHOUT RESTRICTIONS!

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 2017-02-17
Company: Conn's, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. 
I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX  credit reports this information is " accurate and has been verified. '' 5 )  On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Pendrick Capital Partners Holding, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX has been contacting me repeatedly. I informed the agent not to call me when during my work hours XXXX to XXXX on XX/XX/2019. On XX/XX/2019 they called me twice in the span of an hour and a half. 

When I called back, I requested information on the individual or entity that is claiming that I owe a debt. They agent informed me that it is coming from a contractor who worked at XXXX Hospital. I informed the company that I was insured and received no communications about the debt until four years after the fact. She informed me that my ability to dispute is over cause its past one year and that " I NEED '' to resolve this debt. She would not let me get off the phone and I had to hang up. 

They were unable to provide me contact information for the company that is claiming that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: EQUIFAX, INC.
State: AZ
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:
I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I noticed a Collection account that had appeared on my credit report on all three credit bureaus. It was opened by Diversified Consultnts. To which they said I owed them {$250.00}. original company XXXX. I have disputed this matter by certified mail on XX/XX/18 and XX/XX/2018 in which both response from them was a copy of a itemized bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11
Company: EQUIFAX, INC.
State: MA
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 talked to XXXX XXXX XXXX XXXX about a car loan that was on my Equifax credit report that I never had But my XXXX does ( auto loan ) so I wonder if it could be her

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recently sent a letter to Department of Revenue regarding me not receiving my state taxes. I submitted documentation stating I do not own any monies to Department of Revenue. Then all of sudden get this letter from a PennCredit regarding vehicle taxes never register my car for a different state.. I think this is a fraud please help I have supporting document ... 
XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank uses fraudulent techniques to induce customers to sign up for " Priority '' banking packages. 

One of the " perks '' listed is to be able to deposit checks via ATMs. 

Go to : https : //online.citi.com/US/ag/citibank-location-finder There is a specific filter for " Check Deposit ATMs '' There are NO " Check Deposit ATMs '' in the United States XXXX 

So either Citi has a tech bug or they are breaking the law. I contacted the executive office with this concern and after weeks of effort all I got was a " thank you for your feedback '' cut and paste without addressing the issue. My follow ups via encrypted e-mail, which Citi forces you to use, have gone unanswered. My e-mail to the VP of Customer Complaints went unanswered. 

Citi has not offered any solutions to my problems. Currently, my only option is to deposit checks of a certain value by mail. For an " Internet banking product '' this is completely unacceptable.

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 2017-12-02
Company: EQUIFAX, INC.
State: FL
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:
Equifax refuses to delete XXXX XXXX XXXX XXXX. I have submitted my ID theft affidavit by certified mail back on XXXX XXXX and placed a fraud alert on my account. XXXX and XXXX have deleted the fraudulent collections. I am requesting that equifax deleted the fraudulent collections has I have not done business with these companies not have I applied for any accounts with these companies! Section 605B states that the Credit bureaus must delete and block the fraudulent accounts from reporting after receiving the proper documents. If not deleted within 4 days of receiving this complaint my attorney will be forced to file a lawsuit which would be in my favor as XXXX XXXX Equifax information services, LLC ( XXXX. ) XXXX. Equifax has violated the federal law and I am well aware of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: CA
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 dont understand why my loan went from {$5000.00} to {$7000.00}???????? That is unbelievale I can not afford to pay that off, I am currently not enrolled in school and currently not working, I dont know where to get that kind of money?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had been investing in XXXX on coinbase. On XX/XX/XXXX I saw my checking account had been charged 4 transactions. 2 for {$200.00} and 2 for {$100.00} from coinbase. I looked at my account on coinbase and no currency had been added to my account, it was only a debit from my checking. I called my bank and reported the charges. The next day XX/XX/XXXX, they were credited back and my checking account and my coinbase account were where they should be. On XX/XX/XXXX I got an email stating because of the reversal by my bank they were taking the funds back. They then withdrew those same 4 amounts from my coinbase account leaving me with nothing. I have had multiple contactys both by phone and their email support and I get the same answer that they will assign to specialist and no one ever follows up with me. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AES/PHEAA
State: PR
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 have submitted an Income Based Repayment Plan ( IBR ) request four straight times since XX/XX/XXXX. The first was a renewal. I included my latest tax return and a letter, as I have done since XX/XX/XXXX. It was denied because I did not include my federal income tax return as notified on XX/XX/XXXX. 
I explained that I dont file federal income tax return because I dont live in the United States. 
I wrote a letter and resubmitted a new IBR payment request, explaining that I dont file for federal taxes. I also had to explain what my monthly gross income was, since according to the customer service representative, they simply cant divide the annual gross income by 12. They also keep asking me for paystubs, which I cant provide, because as I have explained so many times, i am XXXX XXXX. 
And so, once again, on XX/XX/XXXX, my IBR plan was denied because I did not include my federal income tax return. 
On XX/XX/XXXX, a third IBR request was denied because my tax return does not show my gross pay, asking me for pay stubs or a letter from my employer. Once more, I AM XXXX XXXX. This I explained in my letter. 

XXXX XXXX, keeps nit picking at my IBR requests and finding excuses to not accept my IBR requests where everytime, I have included my most recent available tax return and where they can find how much I make a year and divde it accordinlgy to reach a monthly gross income. 

XXXX  XXXX is being capricious and arbitrary in making their decisions to not accept my IBR requests. The problems started last year, when my XX/XX/XXXX approved expired. Since XX/XX/XXXX, I have been losing my automatic forbearance periods on each request that is denied. 

I demand that XXXX process my IBR requests, since every time, I have provided them with my tax return and a letter explaining what my gross income is. I also want my automatic forbearance time credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this account with a collection company called XXXX. XXXX  via XXXX  and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been disputed these fraud collection accounts on my report since XX/XX/2020. I understand COVID is a thing but after 9 months of continuous dispute letters and the items are not even in investigation is a little too far fetched. I've provided adequate documentations to prove that the accounts are not mine and yet the bureaus have not even been able to open my letters it seems since the accounts are still showing. This seems to be my last resort before I shell out money for lawyers instead of letters and preferably the bureaus will be more inclined to listen then. I'm attaching ID proofs to this complaint because I'm hearing the bureaus are closing these complaints fraudulently by stating that " they can't prove my identity ''.

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 2021-08-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I submitted my Public Service Loan Forgiveness information to FedLoan and they disregarded the documents I sent to them and said I didn't qualify and refused to accept my military service dating from XXXX XX/XX/XXXX and I am still XXXX XXXX XXXX XXXX to this date. FedLoan declared they could only count a years worth of my payments as qualifying. I called them and they said to send my paperwork again. I recently sent it in again ( XX/XX/XXXX ) and they wrote me back declaring that only 22 of my payments count towards PSLF. FedLoan refuses to count any of payments made dating back to XXXX when the loans were consolidated to qualify for the PSLF. At this point I should have 108 qualifying payments. When reached out to again FedLoan has yet to respond. They are doing their best to cheat military and public service members out of the PSLF. I would like to have them held accountable for wasting my time and will file a lawsuit if necessary to have them abide by the law created for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the 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 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took out a promotional 0 % interest on my Bank of America card in XX/XX/XXXX that expires in XX/XX/XXXX. I then took out a second promotion of a 1.99 % rate ( {$1800.00} ) through next year ( XX/XX/XXXX ). As my XX/XX/XXXX balance is coming due, I called BOA to ask how to pay off the 0 % promotional balance and was told any payments made would go directly to payoff that 0 % balance. At the advice of the BOA representative, I made an {$800.00} payment on XX/XX/XXXX, then called today, XX/XX/XXXX, to get the payoff for the remainder only to find out that the {$800.00} went to my second promotion because there is a law in place that says it has to payoff any balance with interest FIRST ( even though the 1.99 % rate is benefiting me as a consumer for another year ). So now, if I don't pay the FULL balance to the tune of {$3600.00} ( which I do not have by the way ), I will be charged 30 % interest on {$2400.00} ( $ XXXX/m ) going forward. Please tell me how that helps me as a consumer in not being able to specify where I want my funds allocated for the payment of the promotional balance. Also, tell me where BOA 's responsibility lies in telling their consumers misinformation, and to educate people from falling victim to this scheme.

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 monetary relief
Consumer complaint received 2018-03-12
Company: JPL Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
JPL recovery solutions keeps calling me and several of my family members harassing them about my whereabouts. Theyve claimed that I used each family member theyve called as a reference which is untrue. Ive gotten 2-4 calls a day. This has been going on since XX/XX/2018.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation