BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I called Aidvantage to request my Parent Plus loan be refunded for the payments I made during Covid ( since XX/XX/XXXX ). I have called several times to request status on my refund. As of today ( XX/XX/XXXX ), my Parent Plus loans have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: United Shore Financial Services, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with my Boyfriend. We went through all the steps of underwriting, They had numerous approvals asking for some clarification or additional information, which we provided. On the last and final item the Underwriter asked for ( Bank statements for the previous 3 months showing that my pay-check went into the bank account ) I supplied more than the months requested along with the company payroll summary showing each pay-check and the Net amount of each check which lined up exactly with the supplied bank statements.

The underwriter then turns down my loan because he says I am married! I am NOT Married, I am single and Utah is not a community property state. The Underwriter waited until my earnest money was not refundable and I was set to close to make up that I am married. 

I took additional classes and training to be able to secure a good, salaried job and once completed I got a promotion. 

I have found out that the lender also completed a XXXX stating false reasons for his turndown and again making a false claim that I was married to owner of the company I work for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Healthcare Receivables Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted company and requested written proof of debt and personal liability which to date has not been provided. XXXX found the charges unrelated to service provided and denied claims. I dispute the accuracy and legitimacy of these charges. Further more this third party debt purchaser is reporting medical information in violation of HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2019-02-06
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, XXXX XXXX, to inform them of the error. XXXX XXXX stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is XXXX not in the US. XXXX XXXX nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: AL
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 been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Allgate Financial, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On or about XXXX XXXX, 2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their BNY Mellon account # XXXX, Check # XXXX. On or about XXXX XXXX, 2022, I contacted XXXX our of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed 2 days earlier by a person named XXXX XXXX. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for BNY Mellon, as requested, and have now been waiting over 120 days for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from BNY Mellon, because they tell me that I am not the account holder for this BNY Mellon bank account from which the fraud occurred. I am merely the PAYEE. I have been unable to receive any updates from XXXX investments, as they say they are waiting for an update from BNY Mellon. 
As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that BNY Mellon needs to be accountable to me, the PAYEE of a check written from their account, and please reimburse me for the check that they allowed to be fraudulently cashed. 

I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XXXX XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Borenstein & Associates, LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On Friday, XX/XX/XXXX at exactly XXXX. mst, I called into Borenstein & Associates office to discuss a current judgement that my husband has XXXX XXXX. I did not get the name of the gentleman that took my call. My recollection of his voice, was he was younger gentlemen, if that helps any. I had called in to see what arrangements we could make on this judgement. My husband had received a letter that was sent to his parents secondary home here in Colorado. The letter was addressed to my husband and when his parents finally returned they delivered it to us last week. The letter was date XX/XX/2016. Which I had explained to this gentleman that we had just received the letter. I had asked if we could discuss the options that were laid out in the letter, since I was calling to see if we could possibly pay the account off that day. I had told him that one of the offers was to pay XXXX and the judgement would be settled. He told me that that offer was no longer available and I asked if we could come up with another offer that would be acceptable by both parties and he said no that since we owned our home they would get their money no matter what when we sold our home. 
I believe this not the best business practices and I was offended by his lack flexibility to work with me and also for his threatening remarks. 
I am desperately trying to clean up our debts and very willing to pay back what is owed, but I will not allow a person/company to threaten us. I 'm afraid that now they will harass us even more because we did not settle this judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Approved Mortgage Corporation
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I WAS TAKEN ADVANTAGE OF BY WINTERWOOD MORTGAGE IN INDIANA, HE TOLD ME TO LIE ON MY PAPERWORK, HE CHECKED MY CREDIT ABOUT 5-10 TIMES WITHOUT ASKING ME, MADE ME SIGN THE SAME DOCUMENT ABOUT 5 TIMES ( Mortgage Application Document ). WHEN HE ORIGINALLY CHECKED MY CREDIT, INSTEAD OF TELLING ME ALL OF THE STEPS HE WAS GOING TO HAVE ME TAKE HE JUST TOLE ME I NEEDED TO DO ONE THING, THEN ANOTHER, THEN ANOTHER, THEN ANOTHER, IT WAS SO EMOTIONALLY EXHAUSTING AND I HAVE BEEN WITHOUT A HOUSE/APARTMENT OF MY OWN SINCE XX/XX/XXXX OF 2016. HE ALSO MADE ME CALL A LOT OF PLACES FOR THE SAME THING MULTIPLE TIMES, IT WAS THE WORST EXPERIENCE AND LET DOWN OF MY LIFE. I AM ALMOST XXXX AND I HAVE NOTHING TO SHOW FOR IT, I THOUGHT THIS WAS GOING TO BE THE NEXT CHAPTER OF MY LIFE BUT NOW I AM SET BACK NOT ONLY FINANCIALLY BUT EMOTIONALLY, I AM BEHIND ON {$6000.00} THAT THEY WILL NOT GIVE BACK TO ME.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: PA
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:
Navient egregiously over charges on interest rates, particularly for institutions that are overseas. They are also confusing and misleading with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Navient Solutions, LLC.
State: NY
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 paying this loan for XXXX years and my overall balance has not gone down. They are not willing to work with me to help me make my payments lower. All they could do was offer me a temp 3 % interest rate and randomly I was taken out of the program. I was n't even told. Now my payments went from {$550.00} per month to {$800.00} per month. I ca n't afford it and I am going to have to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX through the XXXX I was charged from numerous international companies in small amounts, all documents attached below, and some large amounts all. these companies continued to charge my account even after I had called the bank and reported the false charges. The bank has stated they have sent me a text message on XX/XX/XXXX but that had nothing to do with these charges. The bank waited until the XXXX to send a alert to me stating there had been fraud which I replied no to, they then followed up with a message saying they would contact me back which they never did, I called them a hour later and they told me my debit card was hacked and the account was secure. I continued to receive charges up to the XXXX even when pending charges, they let the charges continue. each time I called back was a different excuse, and the phone recordings as they stated will show so. Ive recently called back asking about XXXX XXXX liability and them telling me they escalated the case ( when they told me I would get a call back in 3 business days ) and they denied even having zero liability then not being able to do anything about it, and the escalated case was entered incorrectly and its going to take another 7 buisness days. Every time I call there's a new excuse and they need more time. I have filed a police report and I will be contacting a lawyer, but this is very stressful as it was close to {$4000.00} and they denied the provisional credit and the cases. They keep stating, after lying and giving odd reasons about my debit card being hacked, that it was now used on my phone, even though all these charges were international.

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 2021-01-06
Company: EQUIFAX, INC.
State: MS
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 been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: GA
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:
Disputed the alleged debt with the debt buyer by the name of XXXX management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of XXXX is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
XXXX management or XXXX are both reporting to Experian and XXXX  under different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.

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 2022-10-18
Company: SCA Collections, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted company and requested written documents showing ownership and liability of debt as to date none have been provided. XXXX XXXX has reviewed and found the debt unauthorized and/or not provided as such this debt is not valid. Further more this debt was purchased by a third party debt collector Who is reporting medical information in violation of HIPAA laws.

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 2021-01-06
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation