BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been impacted by covid pandemic. We are unemployed both myself and my husband with no income. We barely have anything to pay home, utilities and food. The company was reached several times. They refused to give me forbearance or deferred on account of a pandemic. This is inconceivable.They are forcing me into making monthly payment with income that I do not have,. I wanted to request deferred for year until things get better hopefully by then I can resume my payments as described. They will force me into income then change the monthly as described in their forms.very deceptive .This is unethical and unjust when I am unemployed due to the covid pandemic. They found loopholes to say they dont fall under cares act. Claiming they are under banking ... This is contradiction, of which all banking institutions have given deferred on mortgages loans and credit cards. How do they justify these loopholes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Capital One Sent me a Platnum Visa pre-approved invitation along with a specific approval number with an allotted amount of time to respond. 

On XX/XX/XXXX I applied using Their own CapitalOne platform for said card and was was denied that card based on a lie. First lie that was told to me was my score was too low and it was not low. Second lie was, they did not have my accurate information. That can not be true because I have a MasterCard with them since XX/XX/XXXX. 

Because of that direct denial my scored dropped 14 points and dropped my scored with XXXX, XXXX  and XXXX. 

I called and mail them correspondence to fix the issue but all I've received from CapitalOne are lies and misleading information. 

I spoke with someone name XXXX ( not sure of the spelling of her name ) on XX/XX/XXXX to fix the pre approved issue and remove the hard inquire from all there bureau and to get a credit increase with my card on file with Capital One, but not only did she lied and try to confuse me. 

She told me that I can not get a credit increase because I'm not being proactive and requesting a credit increase. That is a lie because I've been doing so for almost a year and continue to be denied. I asked her what am I doing that does not qualify me to get what I am asking for and she had no answer for me because I am doing everything right. I make my payments on time and my debt to ratio is exactly where I should be to qualify me for the card I applied for and the credit increased I keep asking for. She advised me to apply for a credit increase and of course I was DENIED! 

Here again, is another company that offer FALSE services to improve my credit and once again instead of doing what is being advertised and offer specifically to me. They did the opposite and destroy my credit instead. 

I've done everything they ask of me but they are not doing what is right and what they are advertising they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, XXXX XXXX XXXX XXXX XXXX purchased my second mortgage as I understand it in XX/XX/XXXX. Statebridge is the servicing company assigned to the loan. 

After almost no contact from Statebridge I hired legal counsel as of XXXX XXXX to assist me in the modification/communication process. Statebridge requested my " wet '' signature on the letter of representation which was provided to them in a timely fashion. Both myself and my attorney have faced a complete lack of response to our many attempts in contacting/communicating with Statebridge since XX/XX/XXXX. My attorney has agreed to and will provide his log of attempted contact with Statebridge. My attorney advised me last week to seek another avenue that is more cost effective rather than continuing to pay his hourly rate as Statebridge refuses to contact him/office. To date we are at 5.5 hours of attempted communication from his office. Both via email and phone. 

Areas of concern : Complete lack of communication/refusal to communicate Payments being processed but not applied to the loan ( I have statements from Statebridge reflecting this ) and can provide bank statements showing funds debited from my account. 

Statebridge issuing a NOI ( Notice of intent ) regardless of payments made to and processed by Statebridge. 

The state of the Assignment of Mortgage. As I understand, it is not in legal form. Please see attached document. 

Refusal to answer direct questions. 

Refusal to accept/process payments. 

Please see attached doc " Statebridge email '' Please see link below for XXXX  : XXXX : XXXX Please see CURRENT ALERTS FOR THIS BUSINESS in link. 

To be quite honest I am completely baffled as to how this company is allowed to continue conducting business. Truthfully I am at a complete loss as what to do at this point. 

I have or can gather any documentation you would like to view. I have a few recorded phone calls of payments being made. Also the call where I was told they could not accept payment in that department and there was no one available to speak to me and someone would call me back ( with no return call ). 

I need help! 

Thank you for you time. 

XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I noticed a derogatory mark on my credit file for a medical bill from OUTSOURCE/MEDICREDIT INC for {$62.00} However, I have not received any communication from the company regarding any outstanding medical bill or any debt incurred. 

I phoned them and discovered they had outdated information regarding my address and phone number. 

I immediately paid the debt and explained that I never received any information from them regarding the debt. They still refused to remove the mark from my credit file. I believe this is unfair and illegal predatory behavior to collect a debt that I have no information on but is consequently hurting my credit

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 2023-05-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The 3 credit reporting agencies are violating my rights as a consumer defined by the FCRA to have an accurate and precise report. The account in question is XXXX XXXX. They are all reporting a balance on this charged off/ closed account. In addition, they are all 3 reporting monthly on a debt account that has been closed and written off for approximately 6 years which has lead to undue stress and multiple denials while trying to obtain lines of credit. My credit scoring and reporting has been negatively impacted by their violation and inaccurate furnishing of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: New Era Asset Management, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency contacted my mother whom does not live with me or live in the same city as me about the debt, I never received a phone call from the agency prior to this, my mother is the one who called me about this. 

I received my first phone call and spoke with the man who was handling the debt case. He was very brass, not polite nor professional and aggressive while speaking with him on the phone. After this encounter, he has repeatedly called my mother and myself and the phone numbers would be from XXXX NY and then it would come from a number that is local and because my phone number is from a different state than where I live, the number would come from the same area code as my number so they are attempting every tactic to get intouch with me even though we had already spoke. 

On XX/XX/XXXX he called my mother and gave her my personal information and information about the debt. My mother contacted me and told me he called her. I immediately called him and told him it was against the law to give my personal information and the information regarding the debt to someone other than myself. The individual became very aggressive towards me and then started asking me how I pay my other bills and says " I am looking at all your information on your credit report and nothing is late, so how do you pay your bills? '' I explained that I have been very sick since XXXX and on a leave of absence for work and paying this debt was on the back burner just like those affected by Covid-19. This individual started accusing me of fraud and I clearly stated that he is not to contact my mother again and I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: AR
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 called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Radius Global Solutions LLC claims I owe {$190.00} to XXXX XXXX, this amount is from a closed checking account number ending in XXXX. The account was opened fraudulently by XXXX XXXX reps, XXXX XXXX had a scandal of opening consumer accounts in order to boost executive profits. The amount, {$190.00}, represents a debit card purchase in amount of {$290.00} from XXXX, a mens t-shirt ordered and not received.. The item was shipped via XXXX, in which case, XXXX driver ( s ) have a habit of forging signature, leaving package where it is lost/stolen as is case here.. The purchase was disputed as item not received, a provisional credit issued in amount of XXXX The credit was later reversed, XXXX XXXX accepts forged signature, XXXX, as being true and correct, I never sign my name as XXXX. The credit was reversed back out of account, overdrawing it, two funds transfers in amount of {$50.00} brought the balance to - XXXX Complaints were filed with CFPB against XXXX XXXX for opening account which was not authorized, as well as debit card transaction, in which case, item lost/stolen with forged signature by XXXX driver.. XXXX XXXX replied in part by claiming the purchase was authorized, despite account opened fraudulently and non-receipt of item with forged signature... Please advise Radius Global Solutions I refuse to pay this amount, {$190.00}, from an unauthorized account and an item never 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 2019-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In the winter of XXXX I took out a Pay Day loan for {$300.00} at the Check N ' Go in XXXX, IL. XXXX of XXXX I relocated from XXXX, IL. to XXXX, IL. Too the best of my knowledge the debt was paid off before I left as they'd been debiting money from my pay checks. On the XXXX of XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX XXXX. They asked for credit card information, banking information, how much I was paid and how often, and information about where I worked. They said I had committed fraud, that I had a court case, and that I was going to be arrested. On XX/XX/XXXX they contacted my daughter and asked where I was living. They threatened to come my daughter 's home, my place of work, and threatened to call me at work. I am XXXX and have been taken advantage of financially before. I am on government benefits and work part-time and it would be a hardship to take on an additional debt. Due to my XXXX I struggle with concentration, processing information, and understanding others. I have also filed a complaint with the Illinois State 's Attorney General 's office. The State 's Attorney General 's office directed me to file a complaint with the FTC and I was directed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus September 06, 2022 to resolve these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never did business with this company and this debt is a result of fraudulent identity theft. This debt is a result of fraudulent activity.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to fixed this suspicious information. I think you have not investigate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. These items was already included in my prior complaint and I included it again : XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Not sure of the dates, besides today, XX/XX/XXXX. This happens on and off, where PNC will sometimes not cooperate with linking other accounts and things of that nature. Its a real pain in the XXXX, especially during COVID Crisis, that I am not able to access my money. I need to move money from my outside savings to my pnc. It also makes little sense because it will be allowed, like PNC allowed it, but then one day be restricted again. And I, and Im sure many others, are forced to wait days for access to our money. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a request ( and {$100.00} ) to have my PMI cancelled on my home mortgage via a Broker 's Price Opinion ( BPO ). The lender is LoanCare  XXXX XXXX XXXX, XXXX  XXXX, VA XXXX. XXXX. We brought the house on a short sale in XX/XX/XXXX for {$270000.00}. The house was in need of significant interior work. The house had a reverse mortgage on it from the previous owner of {$470000.00} at the time we closed on the house. We have performed all the necessary work and extensive upgrades to the property. We've on several occasions with real estate experts inquired about the current value of the home. Using the latest comparable 's in the immediate neighborhood from two different brokers, they estimated we should go to market at {$370000.00}, well in excess of the necessary value to have the PMI release from our loan. The broker chosen by the lender, came to our house on Sunday, XX/XX/XXXX. On Wednesday, XX/XX/XXXX, the broker called me to give me advanced notice the the lender was going to reject my request. The broker arrived at a value base on his comparable 's of {$350000.00}. He informed me the lender did a in-house quality review process and lower the BPO value to {$300000.00}. That value is clearly to meet their predetermined desired outcome. I've reviewed in detail the final BPO. The comparable 's they used are not in similar neighborhoods. I believe this is pure fraud on the lenders part to manipulate the numbers. I could request a full appraisal of the property, but once again the lender chooses the appraiser of which I have no confidence that it would be a fair appraisal with adjustments to achieve the lenders desired outcome. The house directly across the street sold for {$320000.00} with the original XXXX kitchen and XXXX sq. ft. Our house has been remodeled throughout with a new/remodeled kitchen and floors. The subject property is XXXX sq. ft, using simple math that would equate to a value of {$340000.00}. That value is not considering the {$20000.00} renovation for the kitchen. They can't really believe the BPO value is {$300000.00}.

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 2020-07-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
History : - my mortgage of {$400000.00} originated by XXXX XXXX is closed in XX/XX/XXXX by my loan agent XXXX He ( XXXX ). 1st Payment due is on XX/XX/XXXX. Before 1st payment due I received loan service transfer letters, new loan servicer is XXXX XXXX/XXXX  tells my payments should be sent to them starting XX/XX/XXXX. So did I. 
- Late XXXX LoanCare/XXXX suddenly sent me mortgage bill after I have paid it to XXXX XXXX. I logged on XXXX website with my account number on the bill and sent them messages and XXXX XXXX  letters. They still asks me to ask XXXX to forward my payment to them. They are now saying service transfer date was XX/XX/XXXX, not acknowledging or mentioning XXXX XXXX  's letters I provided to them. The loan was sold on XX/XX/XXXX or XX/XX/XXXX, service transfer has occurred in XXXX! I am attaching the 2 service transfer letters. 

- Now loancare reported delinquent pay to XXXX  damaging my credit.

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 2020-07-15
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
My student loans have been dismissed due to long term XXXX. Naviant still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.

Company response to consumer: Closed with non-monetary relief