BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: Waypoint Resource Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Utilitiy account opened fraudlently result of identity theft. Did not sign any contract nor authorize any services to be rendered in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. COMENITYCAPITAL/XXXX ( Opened XXXX. XXXX, 2018 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITYCAPITAL/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: ACS Education Services
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I receive calls around XXXX on a XXXX basis. When I pick up the phone, no one is on the line. When I call the number back, the operator is reluctant to provide their name, the company name and they hang up before I can get the company address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a private Student loan with Navient that I was originally forced by XXXX XXXX in lieu of a federal student loan. I was not provided my options at the time and was believed I was getting a Federal Student loan. The loan then went into deferment while I went after another degree. I had no idea that the loan would Ballon to over {$20000.00}. The lender will not work with me to get the loan payments affordable and it has been a financial burden for many years now. This is money that has been thrown away for a unless degree and the loan has a high interest rate. I was not able to discharge it in Bankruptcy and the current status is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: NJ
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 noticed a few inquiries on My report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company stopped escrow without consent. It is clearly written in my contract. I have been working for a over month to have my taxes paid. This will be added now to my monthly mortgage payment. They guaranteed my taxes will be paid but still are pending. I have made several calls with no resolution. I am told it is being worked on by the tax department through the mortgage company. I do not get call backs even though I have asked to be called. I ask what I can do to help resolve this issue. I am told there is nothing more I can do. I have contacted my local tax collector and they have also sent the delinquent tax information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A payoff request for a first mortgage loan was submitted to Ditech on XXXX XXXX, 2016. In the past 4 1/2 weeks they have acknowledged several times receipt of the request yet have been unable to provide a written payoff request. They have stated that the attorney faxed it, the attorney was still working on the figures, money was applied to the account incorrectly. Every day they tell me that we will receive it tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute in the amount of {$780.00} because I purchased an item & havent received it. My bank is refusing to dispute the transaction saying its past 120 days in which the reason I notified them immediately once the merchandise had not been received, nor have I had any further communication with the merchant. They allowed my account to be debited. At this point its theft & and theyre making me liable & refusing to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Garner & Conner, PLLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted all 3 bureaus and they are not responding to the dispute letters that the dispute company has been disputing all negative items on my credit report. I've advised i should not have to get a police report. Aint no way they discriminating and don't want me to have good credit. I've called all 3 bureaus and advised them those negative items are not mine. Its been way over 8 months and no one has responded to none if the disputes that has been sent to them. Everything has been certified and still no communication. They are not doing their jobs. As per the fair reporting agency they supposed to respond within a reasonable time..its been way over 8 months ans I haven't got anything. Also as per the fair credit reporting act if a collection was sold it is no longer mine. So again all negative items Needs to be removed off my report..

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 2015-03-27
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
XXXX Associates called me and stated that I owed a bank I no longer have an account with ; they stated that I would be served a summons. I contacted the creditor and they have no record of an outstanding balance owed to them. I informed this business when they called that according to federal law that they are supposed to mail me a letter withing 5 days and included in that letter they are to state that I have 30 days to dispute which is in accordance of the FDCPA. 

I further told them that they are no longer allowed to call my home, cell or work until I recieve from them the letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX continues with their fraudulent activities regarding payments made to my account. The statement due date for XX/XX/2021 and XX/XX/2021 show a monthly payment not processed and past due. The information is incorrect and there are no monthly mortgage payments past due. Please correct these errors and update the online monthly statements. Please stop siphoning my payments for fraudulent use. 

The escrow balance is incorrect. The amount of {$1300.00} is not the correct amount that should be in escrow. Please do an escrow analysis from XX/XX/2021 to XX/XX/2021. Please stop siphoning my escrow payments for fraudulent use. Again, I am requesting that any unapplied payments should go to escrow. Please stop reporting inaccurate information on the account and correct it. 

If the payments and escrow have not been applied appropriately, that means the Outstanding Principal of {$64000.00} is incorrect. Please correct. 

Again, stop siphoning money from my account for your fraudulent use and keep my payments current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Southwest Credit Systems, L.P.
State: NJ
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:
During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: CA
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 the consumer XXXX XXXX, have been a victim of Identity theft and have fraudulent/unauthorized accounts showing up on my consumer report that originated from identity theft. I do not have any knowledge of these accounts and my information apparently was in the Equifax data breach. I have been reaching out trying to get this cleared up but haven't made any progress, when talking to the companies and the consumer reporting agencies. 15 usc 1681c-2 states that consumer reporting agencies must block and remove accounts related to identity theft, I have included FTC reports showing the accounts originated from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: CA
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Loss mitigation since XX/XX/XXXX. On XX/XX/XXXX they filed foreclosure fees and had advised that was an error when I called in XX/XX/XXXX since I was on forbearance. Now Property is under contract for closing scheduled for XX/XX/XXXX for cash offer in the amount of XXXX. When I got my payoff amount they added additional fees that were had suppose to have been removed and never were. The payoff amt is XXXX and after closing fees i would need to come out of pocket XXXX. Which i do not have. 
Ive sent emails requesting the fees to be removed and they told me they will not! And i need to complete a short sale which can take up to 90days. This cash buyer will back out by then.

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 2016-02-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting up to XXXX or more phonecalls from Navient a day, mostly recordings, for the past week to 10 days. Some calls are before XXXX & some are after XXXX. I am a co-signer on my son 's student loans but he has been making the payments faithfully since he graduated in 2011 with an occasional late payment due to lack of sufficient income at the time. Right now his income is minimal & he is in between paychecks, but he always eventually will pay what he owes. They start calling almost the day after the payment 's due date if it has n't been made on time. They also call my cell phone & my son 's cell phone almost as many times making it 10+ times a day they are calling. I 've received no written correspondence from them, just repeated phonecalls & I consider this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XXXX XXXX, XXXX I filed a complaint about the following reports being inaccurate : XXXX XXXX - date of report : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - date of reports:XXXX and XX/XX/XXXX. 
I asked for these to be removed from my report and I have not heard anything about this matter.

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 2016-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: MN
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:
I've disputed my dept of education loan payment history several times. The dept of ed says my loan was in collections on XX/XX/2018, yet the loan was paid off and consolidated by XXXX XXXX XXXX on XX/XX/2018. It's not possible for it to be in collections when the dept of ed didn't even have the loan. My credit report shows both companies servicing the same loan at the same time which isn't possible. This should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I was issued a bofa prepaid edd card in XXXX of XXXX. I was able to make a few purchases and then bofa locked my account and said i needed to have a new card reissued due to fraud. but the company wont reissue me one.i followed all the procedures the bofa wanted me to do I went to the bank twice with different documentation to prove my identity yet still they will not allow me to gain access to my accont,

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