BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After waiting for over a month, I received a response from US Bank regarding my complaint with you. Once again, they neglected to provide any answers. I 'm attaching the response letter with this complaint. As you can see the response letter is pretty generic where there telling you and what income they used as well as the expenses they used to do their calculations. I had asked for NPV data they used to review my loan for modification. As per treasury guideline, they are obligated to provide me the NPV data used for review. 

U.S. Bank has been giving runaround and putting me further and further behind for over one year. They have not honestly reviewed my loan for modification. As it looks like, they have no intention for reviewing my loan for modification. I am at a huge risk of losing my home due to their negligence in solving this problem. Please help me. 

I am asking U.S. Bank to provide me with the complete NPV data they used for their latest review. Failing to provide a non-technical explanation is a violation of treasury guidelines. 

Once again, they are asking me to appeal the decision by XX/XX/2017. However, they are not providing any information to appeal with. How am I able to file an appeal when there is no information provided?

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 2015-06-26
Company: State Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received XXXX services from XX/XX/XXXX-XX/XX/XXXX. XXXX received in XX/XX/XXXX did not appear to have proper insurance reimbursement and network adjustment through XXXX. Contacted XXXX and provider. XXXX response was unclear but blocked further inquiry. Began monthly letters to provider ( XXXX XXXX ) asking for clarification of charges. Provider only responded with additional invoices which had different amounts almost monthly. Received occasional phone calls from provider rep who agreed to look into the account but never submitted requested information. Engaged a medical billing dispute firm in XX/XX/XXXX. They also did not get the requested information. 
Today we received a notice from a collection agency in Wisconsin who asserted that they had been retained to collect the amount due, now shown as {$2100.00}. We had not been advised that this action was pending. Sent certified letter to that collection agency stating that the account is and has been in dispute since XX/XX/XXXX. We are basically being asked to pay an amount that they say is due without providing any substantiation. We are able to pay and have offered to do so with validation of the amount due. Total lack of response and responsibility by provider. May simply be a matter of how the charges were coded for insurance reimbursement ; but they have been unwilling to take necessary steps or provide the information that we requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: First Recovery Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get calls from the number XXXX. I have explained to them that the number of the person they are looking for does not own the phone number that they are calling. The XXXX representative hung up in my face and the XXXX said that they would remove me, but they have continued to call. The company is supposedly called 1st Recovery Associates.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-23
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Credit & Collection Recovery Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A debt collection company Known as Credit & Collection Recovery Services, INC. also known as XXXX called me and was very rude and harassed me. They said I have two accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I request a dispute of hard inquiries on my credit report with Experian and was told by management team members that I could not dispute the inquiries and that they would have to remain on my files for XXXX years. I said these companies I have not requested services from. The team member said let me tell you how it works, at which point I ask to speak to her XXXX. who also said XXXX you have these inquiries from shopping at XXXX and purchased a vehicle in XXXX of XXXX the dispute was not filed, I reviewed my history with XXXX only to learn my purchase was only with their company because they have their own financing within the company. and my vehicle was purchased on a different date than what's on my credit report. I feel as a consumer I should have the right to file a complaint regardless of the outcome. and I don't think these people are lawyers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I firmly believe that Navient has been scamming me out of money for many many years. I was actually never given notification that XXXX XXXX had been taken over by Navient, which I found extremely odd given the amount of debt I owe. You would think the company would reach out even by letter or e-mail to let you know they were taking over thousands of dollars in student debt. Looking over transactions since XX/XX/2008, I 've noticed some very questionable business. Not only have my loans grown by thousands since I 've been paying for the past 8 or so years consistently ( over {$400.00} ) but the payment history is never consistent on their end. There are certain months where only {$1.00} is applied to my principle balance, and the remaining {$420.00} is applied to interest alone. The interest and principle payments are never consistent. The interest payments range from $ XXXX-over {$400.00} per month ( with my minimum payment resting at around $ XXXX monthly. ) My loans are split into XXXX separate ones based off semesters, and my highest interest rate is 10.5 %. However, a {$10000.00} loan is now sitting at over {$13000.00} EIGHT years later. I 've had multiple calls with Navient where they will not allow you to overpay on a loan in order to pay it off. They actually have said over the phone that they can not take a payment higher than {$500.00} at a time, but they will gladly put your loan into deferment or forbearance. This option is offered when trying to OVERPAY on student loans. If you make an extra payment online it automatically goes toward interest, which they also fail to explain online or over the phone. I 've been told in order to pay extra on the debt I must write and mail a letter stating the extra amount is to hit principle alone, and that it is still not guaranteed. I 've held credit cards, car loans, and other forms of debt that I 've had no problem paying. I work XXXX jobs consistently in order to make sure my student debt does not fall behind. While I 'm taking steps to pay off this debt in a reasonable time frame ( I will be XXXX in one month ) Navient makes it nearly impossible. Please explain to me how a debt can have a MINIMUM payment of over $ XXXX monthly, no consistent paper trail, multiple " fees '' that are n't outlined, and a significant increase in total debt owed after almost ten years of consistent repayment? I believe I 've paid over {$30000.00} in interest alone over the past 8 years, and I 'd like some answers as to how that makes any sense when dividing my interest and principle balances owed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Describe what happened so we can understand the issue ... 
Contacted on XXXX XXXX CST by XXXX XXXX HR Manager ( XXXXXXXXXXXX ) and Hiring Manager and XXXX XXXX ( XXXXXXXXXXXX ) Human Resources Department for XXXX XXXX XXXX XXXX for a online interview and briefing for a position on the job search engine XXXX., All of the company history and stats were provided. Our temporary office is located at XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX, United States. Expanding their businesses/customer reach by setting up a branch in XXXX, AL which will be commissioned on the XXXX of XXXX and that 's why we are employing online. I was advised that it will be strictly an online and work from home job until the branch is commissioned. The working hours are flexible and you can choose to work from anywhere of your choice. The pay is {$25.00} per hour during full working hours and the training is {$18.00} per hour and you will be getting your payment weekly via check or direct deposit working 30 to 40 hours weekly ( 6-8 hours daily ). If you are employed, you are going to be working as a full time employee and not an independent contractor. Benefits : Health, Dental, Life and AD & D Insurance, Employee Wellness and 401k plans. Paid Time Off and Holidays with Generous Company Discounts. 
The website was provided and the position description, Also, particular software was needed for the position and their would pay for it ( XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, XXXX, XXXX and a Time Tracker ). The funds for the software/working equipment will be provided for me by the Company via check. The check will cover the cost of a laptop, printer, scanner, time tracker with a fast internet connection you need to start working with. The check was mailed and delivered to my home via XXXX or USPS courier service and once I receive the check ; I needed to have it deposited to my bank account for immediate clearance. The funds will be credited and available in your account for cash out within 2 business days. I needed to purchase the working materials from any of the their certified vendors who we have been buying from for years. A check was mailed via XXXX. I opened a separate business account just for this job. On XXXX/XXXX/16 the check was deposited. Regions back cleared the check on the XXXX. I took the monies allocated for supplies and deposited in the vendor account with XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX : {$3600.00}. 
The bank cleared the check and then held me accountable for the cashier check not being valid. I have the bankers name and documents to support all.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : 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 non-monetary relief
Consumer complaint received 2017-03-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Asset Acceptance, unbeknownst to me, sued me and won a judgment by default against me this week on a debt that is 9 years old. I no longer reside at the address they have on file, which is partially incorrect as the address they disclosed lists my address as an XXXX even though it is a residence. I was not properly informed by this company of them attempting to collect a time-barred debt and only found out today when I received a notice from the county clerks office sighting an involuntary lien document recorded against me this month. This company once again is violating the FDCPA law by sueing debtors on time-barred debts and winning judgements by default against these debtors due to lack of proper notice. 

The claimant/creditor is ASSET ACCEPTANCE LLC XXXX MI. XXXX TELEPHONE- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-01
Company: Southwest Credit Systems, L.P.
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: Personal information incorrect

Complaint:
Debt is not owed and is showing up on my credit report using an address that I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Earlier this year back in XX/XX/XXXX or XX/XX/XXXX of this year I made contact with General Revenue Corporation in regards to a debt I owe XXXX University for a semester 's tuition. I called General Revenue to set up a payment plan in regards to the debt I owe. Initially when calling them General Revenue asked for the full amount of {$3100.00}. I do not know the exact dollar amount, but it is an amount I nor no one I know has the funds to pay. Under the XXXX of the constant past phone calls and letters in the mail I went with the payment plan option I was offered. The plan was for an amount of {$190.00} to come out bi-weekly. Once I realized my mistake I immediately called back General Revenue to if not delete the payment plan negotiate for a much smaller amount that will not affect my bank account so heavily. Unfortunately I was too late everything was finalized and nothing else could be done outside of paying the full amount. 

The next day I immediately went to my bank to block access to General Revenue so the funds would not be taken from my account. I put an ACH withdrawal stop so the funds of {$190.00} would not be taken out as payment. Unfortunately earlier this week in checking my bank statements I could see a check had been cleared in the amount of {$190.00}. I called my bank to see why this had occurred and was informed that it seems the money was pulled directly from my checking account and not my debit card. At which point I realized I had mistakenly setup the payment plan with General Revenue using my checking account number and not my debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Late fee

Complaint:
Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.

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 monetary relief
Consumer complaint received 2015-06-16
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Accts # XXXX, Has violated my rights 1. Acct # - XXXX Acct Name - XXXX XXXX XXXX 2. Acct # - XXXX Acct Name - XXXX XXXX 3. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 4. Acct # - XXXX Acct Name - U.S. DEPARTMENT OF EDUCATION 5. Acct # - XXXX Acct Name - XXXX XXXX XXXX 6. Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATION/XXXX  XXXX XXXX Acct # - XXXX Acct Name - DEPARTMENT OF EDUCATIONXXXX XXXX XXXX Acct # - XXXX Acct Name - XXXX XXXX XXXX 9. Acct # - XXXX Acct Name - XXXX XXXX XXXX  15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-02-06
Company: Lenox Financial Mortgage Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a technical issue regarding listed borrowers on a XXXX Mortgage interest statement ... ... I 'm aware and comfortable that only one designated ( listed as primary ) borrowers tax id number can be listed on this statement My issue is with Lennox Financial Mortgage Corporation saying they are not allowed to list multiple borrowers under the Payer's/Borrower '' s name ... ..I have previous and current years examples of other lenders listing multiple names on this form

Company response to consumer: Closed with explanation