BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency Source Receivables has been trying to collect a debt from me that was bought from XXXX as the original lender of the account. Prior to this, I was making payments on this account to another collection agency and without notifying me, the account was sold to Source Receivables. I have requested verification of the debt that would include an original contract with my signature stating that I am responsible for this account. I have not received this information from either the original lender or from either Collection Agency, yet this account is still listed on my credit report under a collection/charge off. I do not have a contract between myself and a third party with the agreement that I owe them money. The supposed original agreement is between myself and XXXX but no original paperwork has been sent to me with my signature for a valid debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow-up to my most recent complaint as the bank doesn't seem to be able to answer my fairly simple question regarding PMI removal based on current value ( getting a new appraisal ). 

The question is regarding removing PMI based on current value, aka getting a new appraisal. They seem to not be able to understand this part. I am aware that due to their Escrow department misapplying my payment, they previously reported my loan XXXX  days late to the credit agency. I've tried to get this corrected with them but they denied the request. The current question is : 1. I understand that I can't apply for PMI removal if there was a payment that was XXXX days late in the last XXXX months. WHEN WILL MY ACCOUNT BE ELIGIBLE FOR PMI REMOVAL BASED ON CURRENT VALUE ( APPRAISAL ). Provide a specific date when my account will be " eligible '' for PMI removal based on current value ( appraisal ). For example, I would get an appraisal and if my appraisal comes in higher than the original and I am now at XXXX XXXX XXXXXXXX, PMI would be cancelled. 

2. Once I am eligible for PMI removal based on current value ( XXXX Bank to confirm this as per # XXXX ), what is the XXXX that is needed based on the age of my loan. Is it XXXX XXXX or XXXX XXXX XXXXXXXX since the loan is under XXXX XXXX XXXX. 

The below what was in the original complaint : 1. Provide all their requirements for removing PMI based on " current value '' of the home. 2. Confirm if my loan is currently eligible for PMI removal based on " current value '' / appraisal.

3. If it is eligible, what are the conditions. What XXXX is required in order to remove the PMI. 
4. If I am not eligible right now, when am I projected to be eligible to remove PMI at XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Synovus Bank
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First progress reported this account closed XX/XX/2018. Yet first progress is reporting payment history on top of that every month As a chargeoff. This is a violation!!! Fcra indicates that information must report with accuracy and this is accurate? My score has been drastically affected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

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 2022-10-27
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2022 I submitted a claims to Equifax in regards to the breach of my privacy and consent. Im currently waiting a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
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 pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has only ever given me one option of forbearance for my student loan. Since they have had the loan for almost 2 years my balance has skyrocketed. I recently contacted them again & was once again told that forbearance was the only option. I do n't make enough to pay the monthly payment which went from {$10.00} per month to over {$100.00} per month, when Navient took over the loan. I need other options which are not being offered to me. 
XXXX XXXX College which has been out of business since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are trying to get a satisfaction/release from a mortage institute from the time they were switching names. My court house shows that I still owe the company that the now mortage comany use to be under. It is still the same loan and the company says its one of the same of the 3 different names it was listed under. I tell them the court house needs a statisfactory from the old name showing that they are paid and We only owe to the company under the new name. They keep giving me the run around stating they ca n't do it and are getting no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.

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 2022-11-04
Company: CITIBANK, N.A.
State: NY
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:
I contacted Citibank Fraud department on XXXX to inform them of various fraudulent transactions that had taken place while II was XXXX  at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I provided Citibank with the documentation showing I was detained from XXXX and thereby unable to perform any of the transactions. Due to the nature of the transactions I was provided with a new debit card and changed my PIN number. The bank informed me the matter would be investigated and I would receive provisional credit within 10 business days. On day 10, Citibank closed the matter without any investigation. This occurred three times ( XXXX, XX/XX/2022, and XX/XX/2022 ). I requested a copy of their records regarding the investigation and have not been provided with anything. 

The transactions are listed below : Checking account- XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$780.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$200.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XXXX ATM withdrawal Citibank ATM {$260.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} Savings account- XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XXXX ATM withdrawal Citibank ATM {$300.00} XX/XX/2022 ATM withdrawal Citibank ATM {$40.00} XX/XX/2022 ATM withdrawal Citibank ATM {$100.00} XX/XX/2022 ATM withdrawal Citibank ATM {$60.00} XX/XX/2022 ATM withdrawal Citibank ATM {$20.00} XX/XX/2022 ATM withdrawal Citibank ATM {$800.00} XX/XX/2022 ATM withdrawal Citibank ATM {$700.00}

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 monetary relief
Consumer complaint received 2015-07-13
Company: AMERICAN PACIFIC MORTGAGE
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Trident Asset Management, L.L.C.
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:
Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a mailed notice from True Accord Corp. dated XX/XX/XXXX stating that owe {$3900.00} to XXXX and that this balance has been due since XX/XX/XXXX. I have no recollection of ever dealing with XXXX or purchasing any thing from XXXX. 
My account # at True Accord is XXXX. I suspect that this is a mistake or fraud. I first e-mailed True Accord XX/XX/XXXX to inform them that the debt is not mine, They responded on XXXX by e-mail restating the I have an outstanding balance of # XXXX and advised me to file this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Critical Resolution Mediation LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been called several times ( XXXX within XXXX ) with this place telling me that someone wrote a check and attached my name to it, and the check was bad so I need to pay. When I question who it was that wrote it was told not my business. When asked what its for and the amount they hung up. Tried to call them back and they start scream and cussing at me, also making XXXX comments to me. They refuse to mail anything to me. But want me to pay {$200.00} to them for something that is not mine or I will go to jail. I have never wrote a bad check even called my bank to verify all my recent checks where fine which they was. Then they started calling my husband 's phone doing the same thing telling him I need to learn to pay my debt. But I pulled my credit nothing on it at all, and they wo n't tell me what the check was for or when it was wrote just keep asking for me to pay or go to jail. The number that keeps calling is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-01-21
Company: MOHELA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I obtained about XXXX in student loan debt XX/XX/XXXX. When I graduated from college XX/XX/XXXX, I was n't able to pay back my loan at the minimum payment because of other debt. They would n't allow me to use an income-based payment plan because that only calculated my income and not any of my bills. Not being able to make the payment they always suggested that I do a forebearance which continued to accrue interest. When I finally had the opportunity to consolidate my loans, the lowest rate was 8.25 %. My debt is now XXXX and I pay 8.25 % interest on it. I 'm not allowed to re-consolidate at a lower rate so I 'm stuck with this high interest debt of XXXX. I 've been making monthly payments for a few years but I can only pay $ XXXX/month because of other income obligations. This does n't even cover my interest. I will be paying for this loan for the rest of my life with no opportunity to re-consolidate at a lower rate and the principal payoff increases every month. If I was able to use the income based repayment plan and have it factor in my bills vs my income, I probably could have made payments rather than forbearance. They made the forbearance option way too easy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: VA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
The first card still had a balance on it when the new card with my name arrived in the mail. The balance never transferred over and the first card stopped working. I called and they could not figure out or help me. Ok, so I let that go. I have been using the new card with my name on it for a couple months. Yesterday I put cash on the card at XXXX like I always do. The money is not showing up on the card. Customer Service sees the transaction in system and tells me it will take up to 45 days to dispute and fix the problem. Really? They get to sit and or use my money for 45 days. They can clearly see I put cash on the card and ca n't fix this today. Tells me to check my email for progress on the dispute. This is a scam and after I get or if I get my money I will use the card until it 's at zero and then cut it up. American Express prepaid card via their Serve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
- I published a comment on an event 's XXXX  page asking if anyone was selling tickets to their event this coming Saturday. I then got several messages from people trying to sell me their tickets - Out of all the people, one of them seemed to have a high follower count so I believed they were a legitimate seller. They still insisted I use XXXX, but I asked that they transfer the ticket to me first - I felt compelled to send them the money quickly after they transferred the ticket. It took a while for them to transfer it to me. 
- They told me that the ticket would appear on XXXX ( the original seller of the event ticket ) - When I received the email appearing to come from XXXX, I promptly sent them a XXXX payment through Chase to the email they provided me : XXXX - It was hours later when I still hadn't seen the ticket in XXXX that I realized that the email I received was from XXXX- I tried contacting them to ask for a refund, but they left me on read.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card.

These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.

Company response to consumer: Closed with non-monetary relief