BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-05
Company: Fedloan Help
State: SD
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:
A third party had called to consolidate my student loans Fedloan Help, XXXX, CA XXXX Email : XXXX. 
They said my loans would be forgiven after 10 year making a payment of XXXX per month. I had them set up taking the payments out of my checking account starting XXXX. 
I receive\d a notice XXXX of XXXX stating my I needed to start making payments. I called the Fed loans discovering there has not been any payment made to my loan. I called Fedloan help and they informed me that they collect the money for a year then start making payments. I told them that I wanted to discontinue there assistance and will pay my loan back myself. They told me I would receive a refund. Soon I received this e-mail. 

Refund Hold Letter Hello, This letter is to advise you that your refund is approved ; however your refund is on hold temporarily. 
Unfortunately all outgoing refunds will have a 15 to 30 day delay due to lack of funds and donations to the organization. Upon receiving our next round of funding, any refund that we are holding will be issued immediately to the address we have on file. 
We apologize for the delay and we appreciate your understanding in this matter. Thank you again for your continued support in our organization and we look forward to resolving this temporary issue as soon as possible. 
Best Regards. 
Fedloan Help Team

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a checking account at Huntington Bank in XXXX, Ohio. I was given a adverse action letter that stated I was unable to open an account. When I asked the bank representative why? He could not give me an answer. He told me to refer to my credit report. When I looked at all three of my credit reports I did not see any derogatory information ( no liens, no judgments, etc. ) I contacted XXXX to see if there was any outstanding balances owed or if any derogatory information existed and I was told there was n't. Given this information, I went back to Huntington to inquire further and I was told from the bank representative to contact XXXX XXXX as this is the third party they use when deciding if an account can be opened. When I contacted XXXX XXXX to see what was on the report that would hinder me from opening an account the representative, XXXX, stated she did n't see anything that would spark any red flags and was willing to contact the bank on my behalf. She sent the full report to me and I emailed it to the District Manager to see if an override could be set in place based on the lack of evidence as to why I was unable to open an account. She still declined the override after I provided her a copy of my credit report, the chexsystems report, contacted her with the representative from XXXX XXXX on the phone, and the emailed report from XXXX XXXX which ALL did not show a reason as to why I would 've been declined. I also provided the district manager with my existing account number at Huntington as I already have an account there and was simply attempting to open a separate account for convenience. To date, I have not been given an answer as to why the account was denied. No one can tell me why the system automatically declined my request nor was the district manager willing to research the issue. As a consumer, I have a right to know why I am being denied access to a checking account. I have done my due diligence to figure out why the account was being declined, but everything I researched showed there should be no problem. Reaching out to the CFPB was my last attempt in trying to figure out why this problem exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Navient Solutions, LLC.
State: CA
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 currently have XXXX loans that were originally taken out with XXXX for XXXX aka XXXX, fast forward they are currently being serviced by navient. for the last XXXX years I have been repaying them under the income based repayment plan. just recently we renewed the terms and agreement, come to find out they have been harrassing me and threatening to purse legal action because I 'm currently XXXX days past due. they have been removing the agreed amount out of my account yet they are only applying it to the original amount that I could n't afford and they have been calculating interest and damaging my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: DISCOVER BANK
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Discover is not posting payments on time. My bank shows an earlier date when payment was withdrawn from my account, and Discover shows a later date. Why is there a later date? Is Discover getting more interest than is due by posting on a later date?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Wilson, Riley & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
They have called myself and my parents looking for me from a blocked number and also from XXXX, claiming they are with the sheriffs office and will be showing up to my home to serve me a court order, over a month later no one has showed up or sent me anything by mail. I have no clue what the debt is for, they called my mother and yelled at her for no reason. I called them today and a male answered sayung the company is 'Wilson , Riley and Associates ', he asked if the sheriff showed up for me yet, i told him no and i requested a validation letter, he confirmed my address ( not once did he verify if i was the right party ), and i still do not know what the bill is. Research on XXXX has stated this company is fraudulant

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, 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 explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Calling many times a day about payment that are n't overdue. XXXX is the number calling. Wo n't leave messages.

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 2017-01-05
Company: ROC Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted by a Company named API Recovery Solutions. I was told that I had 2 days to pay the debt or I would be taken to court. I was so scared that made a payment. After researching the company online I can not find any legit reviews for them actually being a company. Everything I read says that it is a scam. I am not sure what to believe at this point. I cancelled my bank card and told the company to leave me alone and they said they would take me to court and garnish my wages. I want to get this paid but I am not paying a scam artist.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Credit bureau is reporting inaccurate information that is not mine. Creditor has no contract with me therefore information is unauthorized. 
XXXX acct # XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I mailed a Multiple Inquiry Removal Letter in XX/XX/2017 and XX/XX/2017 by certified mail and I also did a dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letters and the online dispute and they completed the request. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is related to XXXX. My original mortgage servicer Bank of America ( BOA ) responded to my demand letter to my current servicer XXXX. 
The XXXX XXXX foreclosure sale was changed to XXXX XXXX. Both XXXX and BOA received my dispute by XXXX XXXX. The property was not sold, but ownership was transferred to BOA. 
BOA is now trying to sell the property at a profit, more than my original loan. 
I am sending a letter demanding they either 1 ) return the property to me, free and clear of the debt and any liens, or 2 ) reach an equitable settlement with me. 
BOA refused to work my HUD counselor and I to resolve this. 
BOA sold the loan to XXXX, and XXXX refused a sale that would have paid off the loan, so UCC rules were invoked. 
I gave XXXX, XXXX, and BOA 30 days to respond, they have done nothing but delay. 
Now BOA is claiming ownership and seeking outside counsel? 
How much time and money are they willing to put into this when they are clearly fraudulent?

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 2017-03-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had several accounts at BMO Harris Bank in XXXX that were closed on XX/XX/XXXX. I had to wait until XX/XX/XXXX to access my funds to ensure there were no outstanding claims against the money. They closed my accounts and gave me the remaining balance. I was contacted by a debt collector XXXX in XX/XX/XXXX ( almost a year later ) indicating I had an overdraft charge. I filed a dispute and they stated I would get something in the mail. I never received follow up on this despite repeated attempts to obtain resolution. Then In XXXX, I was contacted by a debt collector, XXXX for the same debt. I have been disputing this debt for an additional 2 1/2 months, in writing with the debt collector and the bank. No one has provided me with documentation that proves I created the overdraft, who may have been paid with funds, or anything other than a bank statement showing a " previous balance '' from XX/XX/XXXX, a month after the account was closed. I have spoken with multiple employees at BMO that confirm I owe nothing. I have confirmed with all of my creditors that no payments received by them were drawn on BMO after the date I closed the account. After 6 months of calling them and being repeatedly told I did not know anything, I was finally offered to be transferred to the credit reporting area of the bank " If I thought that might help '' and the employee there said I owed it but hung up on me when I attempted to find out what caused the charge in the first place. I am still being reported delinquent and still getting calls well after the 30 day window for dispute resolution. Each attempt to get information ends in my being directed to take it up with whichever party I do not have on the phone. This is impacting my credit and I am getting no where with either the lender or the credit reporting agency.

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed a paid, closed student loan accouns a number of times as having incorrect data listed. Each time, TransUnion has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX/XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years.

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 2016-07-22
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PINNACLE CREDIT SERVICES I asked PINNACLE FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and PINNACLE CREDIT SERVICES is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). PINNACLE has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want PINNACLE CREDIT to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days PINNACLE CREDIT SERVICES did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for PINNACLE CREDIT SERVICES. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants PINNACLE CREDIT SERVICES TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because PINNACLE CREDIT SERVICES says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
PINNACLE CREDIT SERVICES is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A court day for judgement from Nationwide Cassel L.Prepresented by XXXX XXXX, IL XXXX Is over 15 or 16 years old. They have issued a summons to appear in court to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company was notified I requested debt validation and still no response. Its inaccurate information that is unauthorized

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 2016-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-01-28
Company: Global Recovery Group
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted over 9 times after I spoke to a representative at this " Global '' company. The rep, XXXX, told my daughter he was a Private Investigator and had papers that I would be served at my job. He said to call back XXXX, and left a claim number. I called the number moments after she gave me the message. I spoke to a very rude rep, requested to have proof of debt sent, and she refused. I requested a supervisor and she refused to transfer me to a supervisor. After she hung up on me, I received 4 phone calls at my place of employment from XXXX and the same rep that called my daughter, XXXX, was calling stating he wanted to verify employment. I told him he needed to call the work number for everyone to verify employment, as we do not verify employment directly through my employer. I told him I was ending the call and hung up. He called my cellular phone an additional 4 times after that, and finally calling my job one final time threatening to come to my employer and serve me with legal papers.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-10
Company: Pinnacle Asset Management, LLC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX claims that I owed them early termination fees on a modem contract. I paid my last bill and told them to cancel my contract because they breached the terms of an all inclusive and unlimited contract by slowing my modem to crawling speeds. 
Before canceling I called to complain several times and they finally agreed that they were blocking my use because it was too heavy with lots of hours watching videos. 
Now they have sold my so called debt of XXXX usd to Pinnacle, a company that never answers telephone calls. XXXX is also saying that they no longer own the so called debt and that they can not and will not get involved. 
This is abusive practice against a consumer because now I am left with a negative item on my report and i can not talk to anyone who can help. Neither XXXX or XXXX can help either. 
Please help stop the practice of selling one 's information to third parties and allow consumers to resolve issues with the original company. And by the way, neither XXXX nor Pinnavle will send me statement showing that I was ever billed the termination fee or a copy of my final statement. 
Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WA
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 i have several accounts that have violated my rights. *15 USC 1681 602a states i have the right to privacy and *15 USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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