BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-23
Company: TMX Finance LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Contacted BSI Financial on XX/XX/2020 to request bereavement due to being impacted by Covid-19. The company will not process my request even though my loan is backed by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a personal loan from XXXX XXXX when I was in my XXXX program back XX/XX/XXXX. this was not a school loan because it was used for incidentals, like food and rent to tide me over until I got a job, after I had received my student loan and my classes were already paid for. Well I filed bankruptcy and added this loan XX/XX/XXXX. The debtor kept calling me and sallie mae changed to navient and then navient sent the loan to collection agency XXXX XXXX XXXX. Well at first I thought that it was a federal school loan because they insisted that it was. but when I consolidated my loans they stated that this was not a federal student loan so it could not be consolidated. They had been harassing me every day and I stopped paying because I contacted my legal services and they said that these privatized loans are not student loans but some unscrupulous lenders try and collect after bankruptcy. I gave them the chapter XXXX bankruptcy and discharge papers ; yet they are still harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
2 months ago i was served well my son was left paperwork from gurstel law and he was questions and asked personal information as to who lived here and now todayXXXX i get a letter with my husbands name on a debt when this supposed debt i was not with my husband and they have my sons last name which my son never gave to him he is a minor and i feel harassed as well my husband with his information and my son being questioned this is against the law because a officer cant even question a minor if an adult is not present.they are sending em letters that i have a lawsuit in court and can be sued when i already tried to resolve this and they did not accept

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Chase Card member XXXXervices notified me of unexpected sudden reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of Chase 's Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I WAS FULLY COVERED BY XXXX XXXX XXXX XXXX WHEN I WENT THRU XXXX. ALL MEDICAL INSURANCE INFO WAS SUBMITTED TO FACILITY, BEFORE XXXX BEGAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received services from a medical group. The claims were paid by my health insurer. A year & a half later, TSC, a collection agency, billed me full charges for the claims, plus interest and penalties. I disputed the claims. I sent TSC a letter with a report from my health insurer 's subrogation company that verified that all claims had been paid by the insurer. I sent this certified mail with return receipt. The letter asked TSC to substantiate its requests for payment with written, itemized claims documentation. TSC has not provided any written, itemized documentation to substantiate the claims, but has continued to robocall my home & cel phone, send erroneous bills, demand payment with penalties and interest, and threatened legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never heard of Midwest Recovery. Last week, I saw XXXX collection accounts on my credit report ... XXXX for {$720.00} and XXXX for {$720.00}. I have NEVER had any dealings with these people, and they failed to provide me with the letter that is required by law before reporting to the credit bureaus - therefore denying me the right to 30 days to dispute the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took this loan to study XXXX XXXX  after I retired from teaching. I needed to have something to do in my retirement. After a year into the program, I realized that I may not b able to repay this loan if I continued with the program. So, I dropped out of the program and started to repay the loan already taken. 
Now, with the loan forgiveness program, I would like the remaining of my loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have created a consolidation of credit reporting agencies through XXXX and noticed that my address is wrong. I have tried to contact the credit reporting agencies for resolution of a bad address. XXXX  and XXXX  were very responsive and I was able to verify that my address with them in one phone call. However, with Experian I have run into nothing but roadblocks. Because 2 of the 3 reporting agencies were correct I concluded that Experian had to be the one with wrong address for me. I live in Virginia and the address listed is from Georgia. I tried to create a complaint online and and when I pressed continue, I got an " OOPS, we're sorry! '' And an " Call us toll-free at XXXX '' I tried calling and all I got was Freeze press 1 and Fraud press 2. I did not want to freeze so I pressed fraud and it said to press 1 to freeze. Frustrating!!! All I want to do is to talk to someone to check my address!! 

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 2020-03-04
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 HAVE APPLICATIONS THAT HAS BEEN FILLED OUT USING MY PERSONAL INFO AND MY INFO HAS BEEN USE FOR MEDICAL SERVICES THAT I DID NOT GIVE CONSENT I CONTACTED XXXX, EXPIERAN AND XXXX  TO HAVE THEM REMOVED THEY WOULD ASSIT ME OVER THE PHONE SO I MAILED THEM THE DISPUTE ASKING THEM TO BLOCK THE FRAUDLENT COLLECTIONS AND INQUIRES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Needed to temporarily unlock my account. Unable to do through on line system due to inconsistencies. Tried multiple ways to get to a live person to get this resolved. Even did an on-line search about how to get talk to a live person. Apparently this is a common problem with experian. System told me to submit documents via us snail mail. Home loan is waiting on this report and doing it Thru the mail is too slow. Its ridiculous that I cant reach a live person when the automated system cant resolve the problem. Very frustrating since I depend on them without a choice and they have nothing in place to problem solve with customers who fall out of the normal algorithms.

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple hard inquiries on my credit reports. The only credit Ive taken out, in two years, are 2 leased cars, one from IXXXX the other was XXXX ( which I didnt end up taking ), and a XXXX XXXX  credit increase. 
Dates and companies : XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXXXXXX XX/XX/XXXX YXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/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 2021-03-11
Company: ALLY FINANCIAL INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am trying to close my Ally Invest managed account and requested funds to be transferred using their " real-time '' option which states 1-2 minute transfer time. I have been trying to get the funds sitting as CASH since XXXX. 

After multiple calls, emails, and chats the funds will not transfer. It appears they are holding the funds ( $ XXXX ), XXXX. Hold times are 3.5 hours or more. 

They keep saying " today or tomorrow '' for the transfer to occur.

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 2016-10-13
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The loan company that I consolidated my federal loans with refuses to lower my interest rate by 2 % as was agreed upon despite years worth of on time payments. I consolidated my loans in XXXX. Under the agreement, I was to receive a 2 % drop in interest rate once I paid XXXX payments on time. I called them when it was time for the interest rate to drop and they stated XXXX payment was late. A mistake had occurred because of a federal holiday falling on the day that the payment should have gone through from my bank automatically. They cleared it up with the bank and stated they now counted the payment as on time. In order to further avoid this mistake, I backed up the payment date so that I paid early every month. They now state that because my payments came too early, they were not " on time '' and refuse to lower the interest rate. Then my employer paid lump sums and they sent me something saying I could count that as years worth of payments and was paid ahead, but again, because I did n't make XXXX payments within the time period, they state they do not have to lower the interest rate. Overall, the interest rate should have been lowered 2 % in XXXX and I should receive credit for the difference of interest I have paid since then. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: MSW Capital, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!

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 2022-09-16
Company: EQUIFAX, INC.
State: TX
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:
I asked the XXXX dealership not to run my credit and they did without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Someone wrote me a bad check, I even thought it was suspect so I called fraud department before it cleared to see if they could cancel it or flag it or investigate it they said no it looks okay. The next day it cleared then later bounced but I never took any of the money out so there was no issue. The next day they closed my account said it was under investigation in the fraud department and gave the account to a XXXX XXXX who is on leave, so thats not okay, my money was frozen and no timeline on when it will be looked at? So I spent hours on phone and in banks with every department and all I could get was her managers number XXXX XXXX who will not and has not returned any phone calls to me bankers or bank managers in over two months and this is after I received a letter in XXXX from chase saying they closed my account and I will receive my funds in ten days that was 40 days ago, still no returned calls I even got her managers number XXXX XXXX and he wont answer or return calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the XXXX  dealership not to run my credit and they did without consent.

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 2021-11-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Ocwen Financial Corporation
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:
Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX  and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to responsibly manage my situation with Navient, yet every time I call them and I speak with someone they ( the agent ) end up hanging up on me. Today I was being asked some questions that the agent told me could potentialy lower my monthly payments, but when I told them I was un-employed the last thing I heard was a grunt and they hung up. This is not the first time this has happened. On a seperate occasion last week I told them I was not capable of making large monthly payments, and when I was asked how much I could pay, I responded to the agent and he told me he would return my call. I never received a call from Navient in regards to that conversation. Now they are telling me that a payment I had agreed to make with them did not go through. I am trying very hard to be responsible given my situation with un-employment, while also trying to avoid any kind of delinquency but Navient is beginning to demonstrate some rather sketchy behavior. I feel helpless in this situation because I am trying to call, and I am trying to reach a solution, but I am recurrently being hung up on, and when I try to call back no one answers.

Company response to consumer: Closed with explanation