BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: Trans-Fast Remittance LLC
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did a international transfer on XX/XX/2016 of XXXX to XXXX ( XXXX ) using 3-5 days of remit service and they showed on their website credit date of XX/XX/2016. I received a confirmation email from their system as well as one of their agents emailed again confirming the date. I did n't receive the money on XX/XX/2016 and when contacted them by calling, they simply denied saying XX/XX/XXXX is a holiday and the amount will be credited on XX/XX/2016. I will incur monetary losses due to this delay. When initiating the transfer their system was n't able to verify the holiday and also an agent personally confirmed the date. They provided a range of 3 to 5 days and they are conveniently taking consumers for a ride. I see several remittance related complaints for this company and feel it 's moral responsibility to report against to protect consumer rights, they should be suspended from business for not following ethical business practices. XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A judge ordered Capital One to cooperate with us in getting a modification. Capital one have a history of lying about dates. Last time in XX/XX/2016 they sold out house even though we were not notified, and AFTER approving a modification. We kept telling them we never received the mod and they said they sent it to wrong address but never fixed it. Now after a judge overturning the sale cap one are supposedly working on a new mod but they have a sale date set for the house of XX/XX/XXXX. One honest manager said a sale date should never have been set during a. Modification and they would make sure the sale date was canceled or at least moved out by 90 days. That was 4 weeks ago. No change to sale date and no return calls from escalations. They are just lying again and stalling so that they can take the house. We are supposedly in underwriting for a mod so how can they have a sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting two accounts with XXXX XXXX XXXX XXXX both accounts start with XXXX and both are showing a late payment as of XX/XX/2016 as 120 days delinquent. Both accounts opened XX/XX/2016 which if doing the math there is no way possible that is accurate. First there were NO LATE PAYMENTS ON EITHER ACCOUNT and secondly to say an account that just opened was 120 days late when only opened for 3 months is completely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I am putting a complaint against barclays card cause in XX/XX/XXXX i lost my credit card and there were fraudulent charges made to the account. They sent a letter denying my claim saying because they were confirmations made by text of charges that were done to the account. After reviewing my text confirmation from barclays they sent a text on XX/XX/XXXX at XXXX for a charge from XXXX for {$170.00} for that was processed twice at XXXX i confirmed this charge as i knew the merchant. on XX/XX/XXXX they sent a confirmation text for a XXXX charge for XXXX in which i was in the middle of a hospital visit because i had an XXXX. I accidentally pressed 1 for confirming instead of the 2 because my XXXX and i XXXX. i received another text when i left the hospital for another charge in which i responded with the XXXX and called in and explained to the representative the situation. They are trying to say these charges were valid and i did not do any of these charges. They are trying to hold me responsible for charges that were not authorized by me.

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 2017-04-07
Company: LEXISNEXIS
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I disputed information that was on my credit report that is not reporting accurately. XXXX stated that they obtained public records items from my local, state, and federal courts through a third party vendor, LexisNexis that verified that this item belonged to me. I called the courts which was the US Bankruptcy Court-XXXX and they informed that they do not verify or validate with the Credit Bureaus. I would like this information removed off my XXXX report of the improper sharing by the credit reporting company. XXXX could not provide me with copies of any documentation associated with this account with validation, bearing my signature as requested within the 30 days as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was placed in a Rehabilitation Program with Pennsylvania Higher Education Assistance Agency ( PHEAA ) for my Parent Plus Loan. I became XXXX in XX/XX/XXXX and was no longer able to make my monthly payments. Based on my income, I am required to pay {$5.00} per month. I submitted a form for electronic payments to be deducted from my bank checking account. I received a call in XX/XX/XXXX & XXXX XXXX stating that my payment was overdue. I paid the amount by telephone, and once again faxed the form for electronic payments in XX/XX/XXXX and XX/XX/XXXX. I received a letter from The Department of the Treasury in XXXX stating that XXXX % of my Social Security XXXX Check, and my Federal Income Tax return for XXXX would be used to offset my loan. When I called PHEAA I was told that the forms had never been received. After numerous calls to the help desk I was continuously told that the forms had not been received. In desperation, I contacted their legal department and was able to speak with a supervisor. I was told that the form had been received ; however, it did not indicate whether the account was for my checking or savings account. I was told that nothing could be done once the information had been sent to The Department of the Treasury. Consequently, I have been left in dire straits for the last 2 months because of the offset. I 've done research to find out if any complaints had been filled against them. XXXX complaints have been closed with the XXXX in the last 3 years. The help desk at PHEAA is difficult to reach by phone during their business hours no matter what time you call. The help desk provided no assistance and told me that the offset will end in XXXX months. Their responses are inconsistent with the information obtained by the supervisor in the Legal Department. I am unable to access my account online to verify the payments that have been received. Once again after faxing the electronic payment form in XX/XX/XXXX, I received a call in XX/XX/XXXX stating that my account was XXXX days past due. This time they were able to locate the form ; however, the offset is still taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017 I sent a dispute letter to XXXX requesting validation of this debt - including an item bearing my signature. All I received in response on XX/XX/2017 was XXXX Credit Card statement. I again requested validation on XX/XX/2017, and again received no further information to validate the debt. On XX/XX/2017 XXXX claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XX/XX/2017 asking several specific questions to validate my debt, and on XX/XX/2017 XXXX again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.

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 2017-04-01
Company: Innovis
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only TransUnion and XXXX. This has caused undue stress in trying to remove this inaccurate information. This information appears from XXXX and keeps reappearing as a collection with a past due amount. 

In accordance with the fair credit reporting XXXX XXXX XXXX account # XXXX and account # XXXX has violated my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent.

I demand that these accounts be removed from my credit reporting file.

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 2016-12-20
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had PennyMac as my mortgage company for over 2 years and they are consistently not paying my taxes. Money is coming out of my account in escrow each month. Most recently I called on XX/XX/2017 after I received a late notice from my tax collector. They said they would process for payment. A month later I received a judgment from my township because my taxes were n't paid. A customer rep said a payment was made for {$1300.00} on XX/XX/2017 - nearly 2 months after I called. This does not include any late fees. I 'm appalled this continues to happen. I 've asked them to please remove the {$220.00} PMI fee that I pay them to insure my monthly payments are made. What assurance do I get my taxes will be paid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-26
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, ACS is has reported late payments over & XXXX 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BRite Financial Services, Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
This financial institution gave me a vehicle loan and as stated in the lease I was told that if i was ever to lose my job that i could turn in the vehicle and claim a financial hardship so that it would not go on my credit report. I have made numerous phone calls to contact XXXX who is supposed to he in charge of this and never recieved a reply. I have faxed them the documentation they requested from my previous employer stating that I no longer work there and every attempt I have made to contact them regarding this has been ignored and now this debt is in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received loans beginning in XX/XX/XXXX and had to take a break from school in XX/XX/XXXX because my grandmother was XXXX. In XX/XX/XXXX, I had my son XXXX and he was XXXX for 6 weeks, I took another break to focus on him. During the second break, I did n't know that the loans that I got in XX/XX/XXXX would not be in the 6 month grace period, as the other loans were. I did not receive or open any correspondences during that time frame. Once I realized the loans were becoming due, ( I thought all were in the grace period ) I contacted Navient to find out what I could do. At that time I was told about the income based repayment plan. The loans from XX/XX/XXXX are reporting late payments and I was unaware that I was supposed to be making payments or that I had any options. I have contacted Navient, who told me that although the see I did n't open any emails, I called the automated system from a number they had on file, so they could n't remove the late payments. I honestly do not remember calling them and not speaking to a rep. That would defeat the purpose of calling and I would have spoke to someone, if I would have known I had a balance due, to prevent something like this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company that has recently purchased my auto loan has contacted me more than 7 times in a four hour period while I myself am at work and unable to take calls for a payment that is only three days past due

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: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH 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 2016-03-02
Company: Wilson, Riley & Associates
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Obtained a XXXX from XXXX XXXX that I defaulted on due to medical illness. On XXXX/XXXX/16 I received a call from an unknown Company stating " they would be coming to my home or place of employment to serve a Court Summons. '' They also stated they were retained by the creditor for collection process. The number referenced for callback is the same number this Male ( he gave no name ) called from. I called the number and no Company info was ever given. A male answered only stating " This is XXXX ''. I stated reason for my call and after some research XXXX says " you owe {$410.00} ''. I protested and stated I was aware I owed {$300.00} and I would only pay this amount. XXXX assured me I owed {$410.00} and stated " Do you have proof that 's all you owe? ". I informed him I had spoken with XXXX XXXX and was told the amount and it was {$300.00}. XXXX said " you agreed to pay surcharges, etc and you owe {$410.00}, it 's not fair for you to not pay your bill. ". I stated I 'm not dodging payment but I 'll only pay what 's owed. XXXX then became very upset, yelling and screaming, cursing at me and threatening legal action. I went to a local XXXX XXXX store asking for help ( I still had no idea of who the company XXXX worked for was ). XXXX an employee asks XXXX what company he was with and he repliex " XXXX you need to do your XXXX job and give the XXXX phone to XXXX XXXX ''. After this he yells more obscenities and hangs up again. I then call XXXX XXXX XXXX and speak with XXXX, she then gives me Midwesterns number and they give me XXXX number. I spoke with XXXX XXXX at XXXX and he advised me to call XXXX back because that company had the loan. XXXX gave me the Company name Wilson Riley and Associates. I call back but I recorded the calls. XXXX answered and as soon as he knew it was me he berates me " I do n't respect you XXXX XXXX, etc '' ( I wanted to upload recordings but system wo n't let me ). After 4 attempts being yelled at, called names I beg XXXX XXXX to help me and take my payment. I still to date have no legal proof Wilson Riley and Associates own my debt. A payment processed for {$310.00} on XXXX/XXXX/16 from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-30
Company: Credit Card Acquisitions Group
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call from XXXX and they left a message saying " Our office has been instructed to contact notified individual by the name of XXXX this notification will be defined as formal intent to contact you regards to receiving a statement of intent by named individual XXXX prior to filing in your county jurisdiction. A mandated response is requested from yourself directly at toll free number XXXX claim number XXXX toll free number again is XXXX. '' XXXX is my brother ; I am XXXX. I called back and informed them that I am not XXXX and that they do not have my permission to ever contact me regarding my brother or his business and that they must take my personal cell number off their list. To be clear, I have never co-signed anything for my brother. The person who answered became instantly belligerent ; told me to shut up multiple times, used abusive language/tone and, in the end, threatened that he would subpoena me to court in my brother 's county of residence ( he 's in XXXX, I am in XXXX ) as a character reference for whatever he is working on. The person I interested with was the most obnoxious and completely unprofessional individual I have ever been in touch with. It takes a lot to rattle me and this one ticked me off to the core. The name of the company was " The CCA '' or " The XXXX. '' I have added them to my block list, but still would like you to take action. NOTE : My brother is the veteran, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: First Recovery Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company claiming to be First Recovery contacted my ex-mother-in-law saying I owed a debt and gave her a claim number. I looked up this company and found that these are scammers trying to collect money. First Recovery is actually a health care company yet these people are portraying themselves as a debt collection agency.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

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