BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
In XXXX, I signed up with the national debt relief to eliminate some debt. In XX/XX/XXXX, I completed my last payment. One of the creditors was Discover Bank Student Loans ( SLS ) ( hereinafter " Discover '' ) and it was the last creditor I paid off. The settlement agreement was established on XX/XX/XXXX. The balance was {$16000.00} ; settlement amount was {$9700.00} ( amount that I paid ) ; and the write-off amount was {$6400.00}. Around XXXX XXXX, I received an alert that I have negative activity on my credit report from Discover. I then got all of my credit reports and found that it showed late payments from XX/XX/XXXX up to XX/XX/XXXX with Discover. I disputed the negative activity with my credit reports and they came back as unchanged. I called the Debt Relief company to figure out what happened, since I already paid off the settlement amount. On XX/XX/XXXX, I found out that my settlement agreement was made on XX/XX/XXXX via certified verbal approval by manager XXXX XXXX at Discover. As of XX/XX/XXXX, my credit still showed as being late on payments for Discover. I called Discover and they said they still own the loan, so I gave them the information about the settlement agreement and a few days later when I called back they said my account was fixed and I had a XXXX balance. Since then, I have tried to get a paid in full letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no success. Every time I call they have some excuse about why I have not received it. My credit report still shows up as negative for Discover from XX/XX/XXXX to XX/XX/XXXX and I've had my credit limit reduced on another credit card due to the reported late payments. I believe Discover has violate the Fair Credit Reporting Act. They furnished and reported old information and furnished and reported inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: TX
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:
Contacted student loan servicer ( Navient ) o n  X/X/2017  to  request a copy of the loan promissory note. I spoke with  XXXX  at Navient and was told that Navient DID NOT have any promissory notes on file for m y 18 loans. I  am under the impression that this information has to be provided per FDCPA guidelines, how else would the creditor know how much to collect how often and under what terms? I need to have documentation that shows me that what " they say I owe '' is truly what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
so the name of the company is specialized loan servicing LLC. Account number is XXXX Account : XXXX. 

So I am in Chapter XXXX Bankruptcy, but this Mortgage lender is not a part of it, My lawyer has already sent them a Written letter letting them be in contact with me to discuss anything. 

When I login to the Website I get this message " XXXX Not Viewable The Account you have selected can not be updated or viewed at this time. Please Contact Customer Assistance with questions or further information at XXXX XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Status : Bankruptcy " Even though I have been with this lender over a year, Never missed a payment and never late on a payment, And my lawyer has already written a letter giving them permission to allow access to all the information explaining they are not a part of the Bankruptcy. 

What I want is to have access like I feel I should have to my information since this is my Mortgage and I have a right to all my information. Very poor Customer service also. Have been treated like I am in default with them and talked down to. 

I Would like for them to apologize for treating me this way and most of all, I would like access to my account again.to

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 2020-01-21
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Law Firm regarding a letter sent of an unrecognized debt with no information regarding supposed debt. Therefore, I promptly responded in writing a notification requesting verification and validation of unrecognized debt. Received no verification or validation of unrecognized debt. I never received any notification from debt collector. Law firm did not provide verification or validation of supposed debt and now threatening lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger. 

Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ). 

At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date. 

Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}. 

The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order. 

No balance is due on this account. 

I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt. 

Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid. 

They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA. 

The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have two home mortgages that were enrolled with XXXX XXXX, under the false advertisement of them collecting and submitting my payments bi-weekly. Our mortgage lendor clearly indicated we would save money by paying biweekly through them. I was unaware that they were not sending payments bi-weekly until this year when I started receiving account statements. I had never received statements until now, only letters stating they were withdrawing the money biweekly. I called them immediately and they claim that my original paperwork stated they were only holding the money and paying it by the due date. 

In my research, I have now found their consent order. I received NO notification about this, and could not register for repayment because I knew nothing of it. I have all paperwork ever sent from them, and there is nothing about the order to refund payment, or a deadline to do so. 

I would like help canceling their 'services ' so I do not have to start a long drawn out battle like I've seen others have had. I would like my fees refunded since inception ( XX/XX/XXXX and XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed by a person that was able to hack my work app. I work for XXXX and they contacted me from the companies phone number. While speaking to me they were able to see my location and everything going on, on my XXXX app. When you speak to people from the company they can see that information. This is where it went wrong. 
I don't know if the guy was able to mirror my phone or what but he said they were updating their system for payments. I had to sign into my bank app from my phone to get some XXXX information. About 30 seconds after I was on my app I was hung up on. I immediately had a bad feeling and checked my acct. XXXX $ was transferred through XXXX to the scammer. His email came up as XXXX and phone number XXXX on the XXXX transfer. 
I contantacted the bank immediately. The second person i spoke to at the bank bank tried to make it sound like I gave him my information when I gave absolutely no info to the scammer. I have called and complained XXXX times to the bank on this issue but they are claiming there is no fraud. I made a police report to XXXX on XXXX XXXX NY. The Police report number is XXXX ( identity theft XXXX ). The number for XXXX XXXX is XXXX. 
I don't want to have to take legal action but that will be the next step if there is no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job In XXXX of 2019 and could not make payments due to a Financial Hardship on my Toyota Financial Account. 
a total of 8 payments were missed ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the year 2019 ). 
Repossession of the vehicle occurred which resulted in me paying the past due amount to regain possession of the vehicle. 
I was told by a Toyota Financial Representative that if I had paid the amount in full to get the vehicle back my credit will not be affected as in Late Payments. 
I can not qualify for a home loan because of negative payments and or reporting reflecting on my FICO Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently purchased an engagement ring for my fianc but once Covid-19 surfaced I was unable to make payments and immediately informed XXXX XXXX about my situation. I was able to have my payments deferred until XXXX but I still willingly make payments when I can. In XXXX, XXXX XXXX attempted to take money out of my account but there was no money because I was not working. I incurred a returned check fee from my bank because of this. I called my bank ( XXXX XXXX ) and explained my situation also stating that I explained my situation to XXXX XXXX as well and they understood. Therefore, my bank removed the fee because XXXX XXXX deferred my payments until XXXX and understood my situation. 

I discovered that XXXX XXXX tried to take a payment because I was still set up with autopay. So, I immediately called XXXX XXXX to have myself taken off of autopay. When I was able to gather money, I paid my bill for the month on XX/XX/2020 although no payment was required. A week later, I received a notice saying that funds ( which were available ) were returned to my account. I figured there must have been an error somewhere, so I once again paid my monthly bill on XX/XX/XXXX. This payment was successful. 

XX/XX/XXXX, I was notified that my XXXX credit card was put on hold and I was charged a returned check fee. I called my bank and asked why the payment was not successful the first time when I definitely had funds in my account and they said they put a stop payment on my account due to the crises. I asked to have the stop payment removed and I immediately called XXXX XXXX to let them know what happened because I had now incurred a returned check fee from them due to this unforeseen situation. I explained the situation to the young lady representing XXXX XXXX and she assured me that the fee would be removed since there was a misunderstanding and the hold would be lifted on the card. 

Earlier this week, XX/XX/XXXX, I saw that my statement for XXXX still had the returned check fee on it after I just spoke with someone about the issue. I called XXXX XXXX again and was severely mistreated by a representative named XXXX. He continued to belittle me by making it seem as if I did not know what I was talking about. I then asked for a supervisor and had an emotional breakdown mid conversation because I am trying to support my family during this pandemic and continue to be a great customer yet the XXXX XXXX employees continued to say that it was my fault that I incurred the charge and they refused to remove it. I brought up the fact that I was lied to about having the fee removed and the blame continued to be placed on me. 

Therefore, I want to report this issue to prevent it from happening to anyone else, especially during the tragic times that we are facing. I also would like to have this fee removed from my account. I would greatly appreciate having this issue investigated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Champion Mortgage assured me on XX/XX/XXXX by a supervisor that my moms property taxes and our line of credit request was received and that they will deposit it in her acct. the supervisor assured me within 5 days it is now the XXXX and i was told that our request was denied again. last year their incompetence costed my mom who is XXXX years old penalty and a lot of heartache. they are at it again! the request was originally sent on XX/XX/XXXX and they lied and said they called me and i denied the request which is a lie. they record all conversations and i would like the conversation of me denying. no calls were ever made to me and this Co should be investigated thoroughly ... on XX/XX/XXXX once again i faxed over another line of credit request and realized ight away signature was missing. within! 5 min i re faxed and now they are denying again. I'm certain there is something that needs to be done with this shady Co. XXXX ( supervisor ) called and confirmed the receipt of the new fax and said $ be deposited within 5 days ... today the story changed again. ive requested a call back from her and nothing so far

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My mother is XXXX XXXX XXXX, legally XXXX and lives in another state. I have full power of attorney including financial power of attorney I am missing several key medical expenses that I need as soon as possible to file her tax return. She has a costco citi card. I work full time and am trying to do this at XXXX in the morning before work. My time is very limited. 
I called Citi, was on hold and finally was transferred to a manager -- XXXX employee number XXXX. He refused to help me and REFUSED to transfer me to his manager. 
He insisted that I MAIL the confidential power of attorney for processing. This is a confidential and time sensitive request. I need the medical expense NOW I am FULLY holding CITI responsible for refunding my mother 's taxes because they refuse to provide the information that I have a LEGAL right to in a TIMELY manner. 
Every single financial and consumer business has asked me to email or fax the POA. I am struggling to understand why CITI consistently treats their customers like trash. This is by far the WORST credit card company I have had to deal with. I have NEVER filed a complaint with the CFPB until I had to interact with CITI. I am also requesting that COSTCO sever their relationship with CITI

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Professional Recovery Management
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:
I received the response from XXXX XXXX XXXX through the CFPB portal. XXXX XXXX XXXX   mentioned that I have disputed this previously in an attempt to discredit my claim, which is unfortunate. When researching XXXX XXXX XXXX it appears they operate out of a trailer in a rural town in Tennessee. When reading the reviews of XXXX XXXX XXXX online it appears this attempted intimidation tactic to discredit claims on small debts is a wide spread problem for this small company that should be addressed. 

When researching this company I attempted to locate their license to practice debt collection in the state of Tennessee but was unable to locate the record. When searching for their license I searched for the business name, XXXX XXXX and XXXX XXXX. 

I searched for their business license and what I found continued the record of disturbing information about this company. It appears XXXX XXXX XXXX lost their license to practice business in the state of Tennessee on XX/XX/XXXX and continued to do business, illegally, until they applied for reinstatement on XX/XX/XXXX. I used complaint dates filed against the company to determine the likelihood that they continued to operate without a license during the lapse. 

This company is attempting to collect a debt for a utility at a home I never resided in, owned, leased or rented. Property records show I never owned or had any interest in this property, this address is not located on any of my credit files or reports and I was not even living in the state where this account was opened when this account was opened. I understand that this small company has some big issues, but since I have now been advised to submit this information directly to the credit bureaus and cut XXXX XXXX XXXX out of the discussion I wanted to provide this update to the parties involved so we all get a good idea of they type of company we are dealing with, which is exactly why the CFPB had to be established. I will include XXXX XXXX on this dispute so they receive an official copy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
description : I got a leased car XXXX XXXX XXXX from XXXX XXXX   XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Ascendium Education Group
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I set up auto payments with XXXX/ Ascendium but once i gave them my info they sent garnishment to my employer ( not a problem ). They have since sold my account to XXXX but they are still garnishing me. XXXX advised that they now have my account for repayment but i advised that I'm still being garnished by previous company. They advised to call them to see why garnishment is still in place since they sold my account. I'm being bounced around, nothing is being reolved. I feel as if I don't know who i should be paying. If they sold/forwarded my account why are they still garnishing me. This is why i don't give my account info/ employment info out, i don't need several companies drafting or doing whatever they want with my account. I am a single parent trying to pay off this headache of a loan all while still being able to take care of my XXXX kids and other financial obligations. Garnishment is {$170.00}

Company response to consumer: Closed with explanation