BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortage was transferred from XXXX XXXX to SLS effective XX/XX/XXXX. During this time tax statements were being printed. I paid my taxes directly to the taxing authority and uploaded documents to the new servicer, SLS same day while on the phone speaking to a representative. The representative confirmed receipt of the documents and the system was updated to pay the XXXX  and XXXX  taxes the following year. When I logged into my account today the same taxes I paid on XX/XX/XXXX show paid again although the system was updated not to pay until the following year and a esrow analysis was completed with raised my mortage to were I will not be able to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: CURO Intermediate Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with Rapid Cash they told me I signed so I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2017-09-21
Company: Paypal Holdings, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage servicing company is refusing to drop PMI even though my LTV is 77.71 %. They send me a letter demanding I get an appraisal for {$400.00} before they would drop the PMI payment in addition to several other conditions. 
I could be wrong, but when I look at the law, when you are below 78 % the PMI supposed to be dropped automatically. If that is true, I would greatly appreciate not being charged for something I do not need. 

Regards, 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 2018-07-21
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX   continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX  to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX  telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX   and should get a 20 % cancellation rate off my loan. Nothing has been applied.

I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
RE : Complaint ID XXXX. On XX/XX/22 I received an E-mail from a XXXX XXXX XXXX claiming to be from the Office of the Chairman at 'Citizens '. She said after failing to contact me at my home phone number she sent me this email requesting that I call her at this phone number XXXX. Well I did call this number, over 12 times between then and XX/XX/22 and always got the same recorded message about how she is usually in the office between XXXX and XXXX. I am beginning to wonder if she ever is 'in the office '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My wife and I filed for a deferral payment option in XX/XX/XXXX due to the wife having XXXX for a XXXX  and our insurance not covering all the costs. 
Once they connect you to the correct department to discuss the deferral option, They run a check to tell you your account will qualify, After they told us our deferral was APPROVED they emailed us an agreement to sign. Once the document was signed, we emailed it back to a XXXX XXXX on XX/XX/XXXX at XXXX, he then responded only moments later with " I sent it over for processing ''. We assumed all was ok, until My wife went to pay our account online through their portal this month. Once my wife saw something odd online, she asked me to call. Once calling and entering my info, they transferred me to collections dept, So I knew something was off. They instructed me that my payment is past due. I said no it is not!! Look at our account, it's always paid as agreed. They instructed that our payment was late since XXXX, and that our deferral for XXXX did not go through. I asked how is this possible when they ( XXXX ) told us it was approved, the 1st collection rep I spoke to said well your document wasn't signed. I reminded him that was looking at the actual email with the signed document attached to it with their representative, XXXX XXXX name attached to it, the representative was unresponsive and unwilling to answer any further questions, I went through this with 3 separate collection agents from Nissan, with the last one saying he was the lead supervisor and there was no senior advisor above him. He only stated his name as XXXX with ID XXXX XXXX was not able to answer why the deferral was rejected, when they explicitly tell you, your deferral has been approved and walk you through the process of sending the actual document. He then proceeds to go through the same process again, make a payment now, and we can defer your next payment, so you are not late. I then stated, why would I set up a deferral option when you didn't honor the last one to begin with. 
I again and repeatedly asked for his supervisor, he was unwilling to give up any information to solve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The bureaus didn't respond to my request about the changes on my accounts.

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 2023-09-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 on my citicash card ending in XXXX I disputed a charge from an XXXX for {$190.00} from XXXX. 

At the XXXX XXXX XXXX I had called an XXXX and gave them my Citi XXXX number I was not in XXXX When I went to the XXXX stand there was no XXXX which I had called and no message from an XXXX driver. 

When I received my statement there were two charges for {$190.00} from the XXXX XXXX. I talked to XXXX at Citi on XX/XX/XXXX at XXXX XXXX  He said because I was a valued customer he would remove {$180.00} When I called next morning to pay my {$710.00} Citi bill the {$180.00} had not been removed Also XXXX said he had emailed me a letter about protesting the second XXXX {$190.00} charge as I had not received the original letter sent to me. From XXXX XXXX  on XX/XX/XXXX I talked with three or four reps from XXXX and XXXX until XXXX XXXX  mostly waiting on hold.. 

I told them I had memorized the card ending in XXXX and wanted to keep that credit card number. Also I did not want the hassle of calling ten companies to tell them because of a disputed charge I had to give them a new autopay CC number. 

XXXX the US supervisor who I got to after an hour took 15 minutes and removed the second {$190.00} XXXX charge and tried to help me keep the XXXX number I memorized, I am XXXX XXXX XXXX by the way. but he would have to go through fraud and I would have to get a new card to memorize and call the ten companies i have on autopay. After waiting another XXXX XXXX i got to Fraud in XXXX and they hung up on me. 

I am asking for the XXXX card to be reinstated and the removal of both {$190.00} XXXX charges I have disputed I spend {$100000.00} a year on credit cards and have an XXXX to XXXX credit score so I am worth keeping as a customer and having my request heard. 

Thank you XXXX XXXX PS I dont have these problems with 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 monetary relief
Consumer complaint received 2018-04-10
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DIVERSIFIED CONSULTANTS IN is trying to collect a bill from XXXX for an account I have already disputed. I cancel service with XXXX within 14 days of starting the account, and was supposed to not owe them anything. They started by billing me $ 500+ and eventually tried to bill me {$98.00}, but should have billed me XXXX .... I disputed this before with another credit collection company and they did not provide proof it was owed within the 30 day limit and had it removed, only for it to appear again under this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I currently lease two XXXX  cars and during my almost 3-year term all goes smooth. On month # 30, end of XXXX I get hospitalized and I miss a payment. After 5 days I realized I had to pay and I went ahead to bring my account current, with penalties. Mid XXXX my credit score dropped 65 points! I called BMW finance and explain the situation, I am told they can't discuss or resolve over the phone but to email/fax documentation as medical would be an exception to look into and adjust my credit back. I sent pages of medical documentation ( E.R, family doctor etc. ) Three weeks after I received a letter from BMW finance saying " documentation is NOT sufficient '' and credit will not be adjusted back. They did not provide any reasons nor they included what needs to be provided to be " excused ''. How can human beings not be sick and not ruining their financial life. This is absurd. I will pursue this to any extent of the law it allows citizens to do so. Never mind, I have leased 7 cars and been a good customers, never late payment etc. you get seriously sick and now can't get a business loan, refinance etc. What's the reason documents from hospital and doctors were not accepted, why this credit can't be adjusted back, why they refuse to speak over the phone and they have the unilaterl right to report consumers and ruin people life to the credit bureaus? Absolutely illegal! and I have leased two cars so the reports hit me twice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX HAS violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: Ability Recovery Services, LLC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt appeared on my credit report and I have no knowledge of this debt and no one has sent anything to verify this debt. I have seen several reviews about this company attempting to collect debt that has not been disputed. I have not received anything in writing about this debt and It has been falsely placed on my credit report. Under the FCRA a client is supposed to receive notice about what goes on their credit report and the credit bureau is supposed to thoroughly review and verify these items. According to the FCRA If a consumer makes a timely request for debt validation and a debt collector fails to provide proper validation or does not respond at all, the debt collector may not legally continue to pursue the debt. If collection activity continues, the consumer may file a lawsuit in state or federal court for violation of the FDCPA. This DEBT was listed as XX/XX/2018 and nothing has been received.

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 2023-04-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
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 following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX  Acct XXXX. : XXXX Date XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX XXXX XXXX XXXXXXXX, and ChexSystems are all in direct violation. As Ive yet to be contacted via phone by any of these entities regarding the deletions or blocks that they detail in their previous responses. These blocks XXXX XXXX XXXX places on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX DOB XXXX SS XXXX. I am looking to get help to correct my credit profile that has several errors that are causing me issues. First up the misspelling my name please remove any other spellings. I am a victim of fraud and I have fraudulent addresses on my credit report. I never lived at the following addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX C M/R XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these cellphone numbers that do not belong to me error : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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