BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The loan was approved for a trial modification while the XXXX law Firm was representing XXXX and XXXX XXXX for a loan modification in XXXX of XXXX. Thereafter, XXXX and XXXX XXXX made all of the trial modification payments and has continued to do so and SLS has accepted the payments. Unbeknownst to XXXX and XXXX XXXX, the permanent modification was allegedly sent to XXXX XXXX XXXX XXXX # XXXX, an address that was not listed anywhere in the RMA or application for assistance nor did the XXXX XXXX XXXX request for documents to be sent to this address. Additionally, the XXXX specifically requested assistance on the primary residence and listed the mailing address for the subject property of XXXX XXXX XXXX XXXX XXXX, FL XXXX. On XXXX XXXX, XXXX, the XXXX Law Firm contacted SLS to inquire as to the status of the permanent loan modification. IN response, on XXXX XXXX, XXXX, XXXX informed our firm that the permanent documents were sent to the alleged address provided by the borrowers and that the loan modification was being rescinded. We have attempted to ask SlS to re-open the modification and comply with the terms and conditions of same. However, SlS refused to comply with the offer and now wants our clients to begin the process from scratch. As the failure to timely submit the loan modification back to the lender was due to the fact that our clients did not receive a copy of the modification until the modification was sent to our firm, SLS must be required to finalize this loan modification.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: NY
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:
I received an alert from experience that there was a hard inquiry under my info for Bank XXXX Credit Card XXXX XXXX. 
I did not at any time make this application. Was on hold with XXXX credit card XXXX department for over an hour. No help provided. Just left on hold.

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 2021-03-17
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 3 Direct certified letters to LVNV in no reponse back as to when or how this is my bill. I have contacted all 3 credit agencies over the last year only one removed from report. It is inaccurate until they can show me how this is mine. I still have received nothing except a signature of someone recing letter nothing in reponse sent back to me where this is mine. PLEASE help me get this taken care of I dont know what else to do besides pay for something that does not belong to me.Creditor Information LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XX/XX/XXXXXXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from Credence Resource Management LLC which states they are collecting a XXXX dollars debt for XXXX XXXX XXXX from me. I called XXXX XXXX XXXX XXXXo confirm I dont owe any debt. I also researched about this company online and this company is a scam. Even though its a scam, it can still bring the victims credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Keep getting emails that I have sent large payments to ( in this case : XXXX XXXX ) companies via PayPal. I do not even have a PayPal account!!?? 

This email was sent on XX/XX/22 and says to contact PayPal Help-line at XXXX. 

I usually delete these but it is getting very annoying!! Please help!! 

Thank-you!! 

The transaction ID is given as : XXXX and the amount is given as {$500.00} quantity XXXX and Company listed is XXXX XXXX XXXX I have no idea who that is and most certainly did NOT order anything from them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Company Name : Portfolio RC Is asking me to pay {$1100.00} Which is unfair because I only used {$500.00} I credit to make a purchase but the accumulated interest made the amount due now over double the amount used initially. Id like to fix this off my credit history so I can help recover my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: MiraMed Revenue Group LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
This is from XXXX Hospital where my insurance says they double billed me & wo n't pay. 
So I have been making payments to the hospital. 

Therefore it should not be in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, 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 2022-04-09
Company: EQUIFAX, INC.
State: MS
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 Convergent Account XXXX XXXX XXXX - # XXXX XXXX  # XXXX XXXX XXXX XXXX - # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: STATE FARM BANK, FSB
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
State Farm Bank has decided on XXXX XXXX to block access to my data accessed through the bank 's website. I manage all of my finances using XXXX by XXXX. See below for the email. I spoke with XXXX XXXX XXXX, at State Farm Bank on Saturday, XXXX XXXX. He said that this was a bank-wide policy, and there were unable to reverse their decision to restore access. He informed met that this policy change is being done to protect my information. The use of my information and the trust that I place in XXXX in my business. The blocking of my access to my information I have been harmed. I will be closing these accounts if this access can not be restored. 

Here is the text from the email provided : You are receiving this email because you have been identified as a State Farm ( R ) customer who has a relationship with XXXX ( Finicity ) and XXXX XXXX XXXX XXXX ( XXXX ) provider ( s ) .1 State Farm works hard to stay up to date on the latest ways to keep your personal information secure. With that in mind, we 've decided to discontinue your XXXX provider 's access to your online account information as of XXXX XXXX, 2016. This means you will no longer be able to include any State Farm products within your XXXX provider 's website view.2 We apologize for any inconvenience this may cause in managing your financial accounts, but we believe it is the best way to ensure the details of your account with us are safe. Learn more about how State Farm keeps your personal information secure by visiting our privacy and security page. 


You will still be able to access your State Farm policies and accounts anytime by logging in online using the button below. You may also access your account information on the go with our Pocket Agent ( R ) app, which is available for Android and iOS devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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 never authorized these inquiries. I have never gave anyone permission for these inquiries. I do not have accounts connected with these items. I do not know the origins of these items. I do not recognize them and I want you to delete them because its a fraud!!

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 2016-11-15
Company: STATE FARM BANK, FSB
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I was solicited by a state farm insurance agent to refinance my vehicle with state farm bank. The proceeds of the state farm loan were to pay off the prior loan. The prior loan was paid and the release from the prior lender was sent to State Farm for filing. State Farm did not file the release from the prior lender but instead held it and still holds it. I wanted to sell me car and pay off my state farm loan. The problem is that the buyer said I had to get the lien from the prior lender removed from the title. When I asked State Farm to submit the release to the XXXX, State Farm said it would not unless I paid off the loan to it. It told me to tell the buyer XXXX to accept its guarantee that it would release the prior lien when they were paid off or I should find someone else to buy the car. I went to XXXX to avoid problems with receiving payment. And, I think I should be allowed to sell my car to who I want to sell it. If State Farm had released the lien of the prior lender when it received it as it should have then I could go to XXXX, tell XXXX that I owe State Farm and they could pay State Farm and I could stop paying interest and insurance ( also through state farm ) on a car that I want to sell. But as it stands now, I have a title that shows a lien holder who has been paid off and can not sell the car. When trying to get the problem resolved I have talked to a number of people at State Farm who have given conflicting answers and told they would escalate the issue but nothing happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-18
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i have sent this company XXXX letters disputing the debt and asking for validation. I even dispute it with the credit bureaus. They ignore me, but they went ahead and verified it with the credit bureaus. how can they collect a medical debt when i have insurance, plus i dont even know who the original creditor or doctor is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
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:
Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the Equifax data breach/identity theft. all is begin investigated by the FTC. The FPCA is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've just reached out to Great Lakes, the loan provider, so maybe i'm jumping the gun. 

In 2018 I made every payment on time and in the same amount and the balance dropped incrementally from about {$81000.00} to {$72000.00} at end of year. My interest rate is 6.8 % on every loan that is bundled together in this payment. 

Meanwhile, my XXXX from Great Lakes shows {$8500.00} in interest paid in 2018. I'm not great at math, but this would imply an actual interest rate between 11 % and 12 % for the balance I carried. 

Is there any world in which this would make sense? My concern is that I was overcharged in 2018 and likely in past years as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Allied Interstate collection agency in Ohio called about what they said is a debt I owe. I have no credit card collections or debts. They tried to tell me it was a debt from many years ago. This is n't my debt, if it were, that seems like unfair tactics to reopen a debt when a debtor has passed the statute of limitations on collection. By allowing creditors to continue to call and try to trick consumers into acknowledging a debt the law is not holding it 's promise as to being fair and having an actual statute of limitations. The Allied Interstate company contact me trying to get me to acknowledge a debt, which is clearly not owed by me, and is not my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the last 5 years from years XXXX Wells Fargo has charged me {$35.00} per over draft over 100 times. Totaling over {$3500.00}

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 explanation