BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
I did not give any kind of Consent to anyone to open these fraudulent Accounts I'm a victim of Identity Theft and now these Accounts are being sold to Creditor which is totally Wrong. This is not right!!!

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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
To whom it may concern : I am writing to inform you about some incorrect information I noticed on my TransUnion credit report I have 3 collections from XXXX XXXX XXXX in the amount of {$1000.00}, {$4000.00} and {$5800.00}. The collection agency told me they would have this false information removed and it has not been yet. I have a letter stating the removal of these accounts. 

Also Collection account XXXX XXXX, I do not have any knowledge of this account and XXXX XXXX XXXX is reporting a collection for XXXX XXXX  XXXX in which I filed a Identity theft report for that account thru the FTC. This is for this account and the account XXXX XXXX that is on my account.

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 2019-09-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX submitted a credit screening on XX/XX/XXXX with Equifax , where on the XXXX I submitted the despite in question # XXXX and provided by fax myself on XX/XX/XXXX legitimate information regarding payment in full on XXXX XXXX in XXXX Washington which reflected on my credit report thus effectively holding up on a rental unit I amply for. Stagnant along with foot dragging with continuous disregard to my inquiry by Equifax has put my future and kids at risk and has caused great heartache and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Collector : I just noticed that your company is reporting the following account listed below on my credit report. 
Creditor : Account : This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you and the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined? 
Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind in payment Ocwen offered a modification if I paid the arrears. I did and became current they inturn approved a loan modification and I was on track but in the interim they turned my mortgage over to PHH they refused to continue with the loan arrangement instead they offered a Balloon Payment with a 15 year term payments only applied to the principle and also said my wife had to be included on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a Simple account because they were having a bonus. As soon as I transferred XXXX, they locked my account.Their excuse was they can't verify me.I assure you there is no problem verifying me.I 've had all the big banks with no problem whatsoever. I immediately called and sent a message to close this account because I found this very suspicious. That would of cancelled the transfer. They WOULD NOT close it. So they stole XXXX from my XXXX account. That seems very serious to me. If I could file theft I would have. 2 days later they now have my money. I again told them close my account and return my money to XXXX. They WOULD NOT do it. Now i'm forced to send picture id, ss card picture and statements, which I did. They then tell me they can't accept the statements and send a verification letter, which I did. 9 days later my money is still locked. I called up and went off on them cursing, which is the only reason they sent me a message.Now they say the verification letter I sent has a 1 888 # and they want a direct # to a XXXX rep. After a lot of trouble XXXX called them and we did a 3 way call. My money was unlocked and I immediately transferred it back to XXXX. I told them close my account 2 wks ago and they will not close it. So i'm contacting the CFPB not only because I want my account closed but to get this corporation on record. They are locking peoples money once its transferred and using verification as an excuse for whatever scam they are trying to pull. Its very suspicious that they cant verify people AFTER they receive the money. All banks verify people thoroughly BEFORE money is exchanged. Why they will not close accounts is also suspicious. Its not just me. There is 151 complaints on the XXXX about this company that I found, probably a third are the same issue as me.XXXX knows how many more innocent people are being screwed over. These scumbags are locking peoples money for wks, months, i even read a yr. There is something seriously wrong here. If ever a corporation needs investigating, this would be it. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
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:
XXXX Bank now Santander Bank is reporting my accounts which I closed in XXXX. The account was XXXX in XXXX. But Santander is reporting I owe them XXXX, this account was XXXX in court XXXX. 
they should correct this information on all reporting agencies.

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 2019-09-13
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I am reaching out to CFPB regarding a signature loan with Navient XXXX XXXX. I have tried several times to inform them that the amount they are requesting me to pay monthly is unreasonable. The company has provided an interest only payment option as of XX/XX/XXXX for me to pay which is of no benefit to the loan. The option keeps them from calling me, which a representative informed me can be eight times a day. This form of harassment is asinine and should not be a business practice for a federal loan provider. I obtained this loan back in XXXX for a University that I did not graduate from and have been stuck with this burden ever since. When I was a minimum wage worker and not pursuing a college education, to keep navient from consuming 90 % of my income, I was forced to use the forbearance option as my only solution. Today, they want me to pay on the interest of the loan and when I can't afford that, they harrass me and my family with robo calls. The state of Georgia allow debt collection to begin at XXXX XXXX, the current time is XXXX, Navient has called me three times from three different numbers while I am at work. How can this be fair to consumers who only wanted to get a college degree?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Navient Solutions, LLC.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX refuses to send me an itemized statement and bill. I have requested this in writing multiple times since XX/XX/2018. I have made payments to this account. They will not respond.

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 2018-06-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 XXXX 's XXXX credit card was turned over to Portfolio Recovery. However i was in a debt consolidation program who immediately contacted Portfolio Recovery and settled the debt and paid Portfolio Recovery. Portfolio recovery has reported the difference of the settled amount as an open balance to the three credit bureaus. I have disputed the debt with the credit reporting agencies and Portfolio Recovery advised the debt is valid. The debt is not valid and they have had this negative remark on my credit files for over 7 months. This is fraud and would like action taken against this company. My credit score is being affected and i request this debt removed and my credit history fixed. It should not have been reported. I have documents to support my claim. Please help me get this corrected and also i feel action should be taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
submitted a dispute describing multiply violation on credit report but yet still Experian claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.

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 2018-12-24
Company: ASSOCIATED BANC-CORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have multiple mortgages with many different servicers and Associated Bank is on a completely different level in terms of their inadequacies. Attempting to work with Associated Bank is the single most frustrating experience of my life. Its like taking a step back into 1970! You can literally do NOTHING online except view a statement. You can't view specifics on your account, request a payoff, view escrow account -- NOTHING. In the 20+ years I've had mortgage accounts, I've NEVER spoken to the servicer as much as I have to with Associated Bank over the past 18 months. Most recently, they made another error on my escrow account. Luckily the taxes are only due twice a year on this property, so they can only botch it up semiannually! We went through the regular dance on XX/XX/XXXX where they call, so we pay the shortage. I called back on XX/XX/XXXX to find out what it will take to just pay the entire escrow shortage, I cut them a check for {$1600.00} and we're done. Nope! This time as an added twist to their incompetence, they start sending delinquent notices! Apparently, although I paid exactly what the rep told me to refill the escrow account, they later decided I should give them another {$1000.00}! 

Finally, after wasting another hour of my life on the phone with this listless band of halfwits, my checking account was debited over the phone for another {$100.00} for the payment shortages, and I've requested another {$1000.00} to go into escrow. I'm sure that in XXXX, they will be sending me a refund again because my escrow account is over-funded! 
Associated has clearly shown their inability to simply balance and pay an escrow account. I want to have my escrow account dropped w/out any charge. If anything, they should be paying me for all my time and frustration!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I applied for a XXXX 's XXXX XXXX XXXX in a XXXX 's in XXXX, TX, and was approved. I used the card to make a purchase of {$270.00}. 

On XX/XX/XXXX, I received my XXXX 's XXXX XXXX XXXX and my first bill in the mail. The bill had been due on XX/XX/XXXX, one day earlier, and had ARRIVED TOO LATE TO PAY ON TIME. 

On XX/XX/XXXX, the same day I received the bill, I immediately went online, created an account, and paid {$270.00}, the full balance reflected on my bill. At this time, I noticed an additional charge : a {$27.00} late fee. I called customer service at XXXX, where a customer service representative by the name of XXXX agreed to waive the late fee via a {$27.00} credit to my account, which he said " would be reflected on the next bill. '' He also strongly encouraged me to sign up for paperless bill via my email account. I agreed. 

On XX/XX/XXXX, I received my next bill, which DID NOT reflect a credit of {$27.00} as promised. In addition, I have been charged interest on this fee which I was never supposed to be charged, bringing my account balance to {$29.00} instead of {$0.00}. 

As of XX/XX/XXXX, I have not been able to obtain satisfaction on this issue. I was lied to and then cheated out of money by customer service. My XXXX 's XXXX XXXX XXXX ( administered by Wells Fargo ) has caused me nothing but grief and has cost me a late fee for a bill I received after it was due and then additional interest on top of that late fee.

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 2019-09-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reason to believe that Navy Federal Credit Union is harassing me with location services and investigative services through the XXXX XXXX XXXX XXXX, since a private investigator was hired to locate my car. ( Please see Factual Content & CFPB COMPLAINT #  XXXX ). I have reason to believe this because when I spoke with a representative ( XXXX or XXXX ) at Navy Federal Credit Union over the phone one evening she said that XXXX XXXX will locate me. The tone behind what she said seems to imply a threat or investigative services, and this bothered me. It still bothers me. 

In the past a private investigator was hired to confiscate my property, and I am concerned that even though my car loan payments are current someone is still being hired to locate my property, observe, and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: BB&T CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account

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 2019-09-13
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I applied for student loan forgiveness with the XXXX DOE on XX/XX/XXXX, for my many years of teaching with them. I received approval in XX/XX/XXXX. I immediately faxed the approved student loan forgiveness to Granite State Management & Resources, from XXXX XXXX XXXX, here in XXXX, NY where I live. I fax successfully went through and I received the ok, as I always do when I send a fax out from this library. 
Granite State Management & Resources, has told me over the phone that they have never received this information. It is on record with the XXXX DOE and apart of the fax system at XXXX XXXX XXXX, in XXXX, NY. 
I have also been on unemployment since XX/XX/XXXX. 
I have sent them documentation on several occasions proving my unemployment. Granite State Management & Resources, is also telling me that they have not received the information, even though I have an ok that that information was received through fax. I have recently e-mailed them proof of my unemployment. 
They continue to add on cost to my student loan, refusing to issue me my granted student loan forgiveness from the XXXX DOE. They have also ignored the fact that I have been on unemployment from XXXX and then again consistently since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I refinanced the loan with another bank. The bank sent the check to upstart. It came back due to bank error. Turns out Upstart did not endorse the check and they have admitted to that ( I have the email ). It took 10 days to get a new check to them and now they are charging me an additional XXXX of interest and still they claim I owe them XXXX and additional interest accrues. This was their error yet and they admit to it but now they will not respond. I have also reached out to the General Counsel who said someone woould get back to me and no one has and i reached out to the CEO with no response. Unless you all can fix this and make me whole I will do something I do not want to do and take them to small claims court as well as look into a class action as I am sure this is not the first time this has happened Pretty sketch the check for XXXX was not endorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
ATM transaction for {$120.00} was cancelled. Amount was never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There's more to the issue than what options were available. 

The account through Bluebird through American Express was used to make a purchase in the amount of {$49.00}. Funds ended up being added to the card later, in the same or similar amount as the purchase, but were subsequently removed. 

A separate account, the one for which the purchase was made, has recently informed me that the funds were returned from them to the Bluebird account, but since the funds were added and then removed again, I had not recieved the benefits of the returned money. 

Now, the second account has been temporarily suspended, until I can repay the returned funds. 

Additionally, Bluebird has also Permanently suspended my account, and will not allow me to contact them to resolve this issue.

Company response to consumer: Closed with non-monetary relief