BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.

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 2015-09-04
Company: WESTERN UNION COMPANY, THE
State: DC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I used Western Union 's online services XXXX. On the web page this company offers a high level of security for all transactions, XXXX of them is that the receiver will got the XXXX XXXX Track number XXXX to receive the money. The problem was that I never give to him the XXXX number, but he just knowing my first and last-name, and knowing my phone number could call to Western U. to change, first the receiver name ( for this change I never received a change confirmation to my mail account, in addition he needed the amount and the date of the transfer so, how this was a trade transaction he already knows these details. So was very easy for him change the receiver name XXXX unbeknownst to me XXXX and then, I do n't know how he could ask for the XXXX to pick up the money the next day XXXX XXXX XXXX XXXX. the XXXX XXXX night I called to the phone number provide by the company XXXX call us toll free XXXX at XXXX ) to cancel the transfer but in that hotline they told me that I should call between certain hours ( so it 's not a XXXX line and also the one who told me that was a record not an agent ) then I tried by chat but also I could n't do it cause the agent told me that he could n't do it for this channel so he suggested me to call to the number above provide. 
Other of the Western Unions ; security rules is that you can not make any change if you do n't call from the phone number provided on the web page but the think that Western Union should know is that now exist different programs through you can make phonecalls without use the cellphone ( physically XXXX but if the phone number. 
Finally this guy stole my money unbeknownst to me because all these security fails of WU. I would like my money back WU does n't comply with all the things that they offer in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Penn Credit Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company Penn Credit Corporation calling repeatedly in attempt to collect from a deceased relative that NEVER lived at this address or phone number. Refuses to explain how they got this phone number and refuses to stop calling, asks for the phone number dialed, even though they dialed the number. Employees are rude and obnoxious in behavior and calls are originally Robo calls followed by a live person. I have told them repeatedly that this person is deceased for approx. 10 years but they refuse to take action to cease and desist. This is obviously a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have a personal loan with One Main Financial which I have been paying on time for the past 2 and a half years. Recently I have had some issues due to medical reasons that have caused me to have to pay a week or 2 later than the due date. If I have to postpone a payment I will set up my payment on line through their website according to my budget each week. So even if it 's a week or 2 late, the payment is still scheduled. There is a girl named XXXX that will call me at work and home when I schedule a late payment. The last time I spoke with her when I was in the office ( XX/XX/XXXX or XXXX? of 2016 ) I told her she could not call me at work anymore. They are getting upset with all the calls. She would call everyday, sometimes 2 times a day. After that conversation, she continued to call. And again, sometimes twice from what my colleague at work tells me. I have logged all the times she has called if needed. I also mailed a written request to not call my work number in the future. She still calls. I understand they are concerned about receiving their payments, and I have never been 30 days late, and if they pay attention to their own website they know when I schedule my payment. I understand that if I pay late, I have to pay the late fees etc. And I do. The last conversation I had with her was borderline harassment. She was insistent that I come in and sign a paper for a deferment. I was 15 days late? I told her there was no need. I will pay the late fees. She did n't seem to like that answer. So I get a letter in the mail to sign for a deferment. Which I tore up. I do n't mind if she calls me at home, she can leave a message anytime. But I do n't want to be harassed any longer. The company I work for is getting tired of answering personal phone calls everyday and sometimes twice a day. She could make me lose my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank sent several to text to my Cell phone without my consent. On XXXX XXXX, XXXX, I received XXXX texts to my phone number XXXX from the Citibank fraud department inquiring about a fraudulent transaction with my debit card in West Virginia. The online account ( opened in XXXX or XXXX ) was not compromised so there was no need to change the user name or password. I had conversations with Citibank on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and I asked numerous representative how did they receive consent to send texts to my cell phone. Citibank had sent text prior to this incident. I asked them to send me a letter stating when they received consent. On XXXX XXXX I received my new debit card and attempted to add it to my online account. I was able to access the account with my old user name and password. I needed to add the new debit card number to the account and it should have provided me with full access. ( The usual process is to add the new debit card number to the online account and I have full access. ) I was able to access the account but with limited access because the new debit card could not be added. The rep went through several trouble shooting steps and said I needed to register for a new account to access my current account. I asked why and she said it was to access the account. I was asked to add a new user name and password and to accept new terms of agreement and I cancelled at that point. 
I have been able to access my account with the old user ID and password with limited function under my old user name and password up until Monday XXXX XXXX, XXXX. Today I was told my old user ID and password were no longer active because I set up a new user name and password which I did not. The system indicates that the terms of agreement have to be accepted for a new account to be used or setup. The rep said that the system must have pushed it through without my consent. 
I am no longer able to access my online account. Since I started to inquire about who gave Citibank authorization to send text to my cell phone. I have had difficulty accessing my account to pay my bills and access my balance. Now I am told that I set up a new user ID and Password and this was pushed thru the system. I was told that I provided consent and to check my account yesterday, to receive text and now I am unable to access my account to verify this information and they refused to provide the date that I supposedly consented. Citibank is preventing me from accessing my online account which is linked with my savings, checking and credit card account. If a new online account was established with a new user name and password then it done without my permission.

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 2020-08-18
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan # XXXX My loan was refinanced through XXXX XXXX on XX/XX/XXXX with a payout the same day. XXXX XXXX Office Manager XXXX XXXX XXXX XXXX NMLS XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold it to XXXX and the new file loan number XXXX with a first payment date of XX/XX/XXXX. XXXX XXXX XXXX They owe me an escrow refund of {$7200.00} and they need to take my account out of a derogatory status. It appears from other consumer complaints, this company has done this a lot with refinances and it does not take 17 days for them to update their records for a payoff and then create credit issues for me. This is also a VA loan so they are messing with a government backed mortgage. I would appreciate this getting resolved immediately. 

Lender has also accused me of not having appropriate insurance ( after they purchased my loan from guaranteed rate - which is escrowed into my loan ) and not my responsibility to show them. However I can. They threatened to charge me for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Collection Management Company
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a medical bill on my credit report. I carried state insurance at the time of the services. I contacted the doctors office and it was to be taken care of. Now its listed on my credit report. I called the debt collector and explained the situation and asked that it be disputed. She refused to dispute it and hung up on me. The creditor information isCredit Management Company ( XXXX ) XXXX am dumbfounded to be treated so rude and I am upset that my rights were refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: VA
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:
It has been drawn out into the open that you are not hindering records when I senta copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In theevent that you decide to not obstruct the accompanying things recorded beneathwhich are answering erroneously because of fraud, I will hand my archives overto my lawyer to begin a legitimate activity. It's my goal to not seek after anylegitimate activity so if it's not too much trouble, comply with the law. 
XXXX  XXXX Balance : {$95.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Bankruptcy XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX  XXXX  XXXX  XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a formal complaint against my current mortgage servicer, SPS ( Select Portfolio Servicing ) I am in the process of applying for a loan modification with SPS. Letter dated XXXX XXXX, 2016 ( attached ) indicates I have until XXXX/XXXX/16 to complete the application process. I received a 2nd Letter dated XXXX/XXXX/16 ( also attached ) indicating that my home is scheduled for Foreclosure on XXXX/XXXX/16. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was just reading an article about how Navient has been accused of steering borrowers towards forbearance instead of income based repayment plans, and this is exactly what happened to me. It was only in hindsight after having a co-worker inform me about the income based repayment plans that I realized I had been misinformed that forbearance or deferment were my only options. I also see from this news article that Navient is denying those claims ; however, you can add me to the list of individuals that were taken advantage of in this fashion. I guess when the rules say that the interest is capitalized back onto the loan if you ca n't pay in full, it incentivizes the lender to maximize it 's profits? 
I graduated in XXXX XXXX and was told that my student loan payment would be around {$570.00} per month, and did not begin paying until XXXX XXXX after 2 years of forbearance and deferment. I kept trying to figure out how I was going to stretch out the maximum numbers of years that I was allowed to defer, as that was the only information I was given by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are several discrepancies on my credit report. I had initiated a fraud alert but the very items in question proceeded to collections. The judgments have been ruled in favor of the collection agency based on fraudulent address ( utility bills and cell phone bills ). 
Also due to unemployment, I lost my home due to foreclosure after that I received an amended tax bill stating the credit card balances has been recorded as income on cards that we settled through a debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Beginning in XXXX, Navient cancelled a reduced rate discount on my account. I contacted XXXXOmbudsman to outline the facts, provide proof. Navient is wrong & intractable ( denies facts ). 

Since then I became unemployed & have filed Unemployment & Hardship Deferments, as well as a complaint letter to Navient & a form to consolidate all loans. Navient delays processing these items, is obscure about the process, & maintains a website that is difficult to navigate. 

I 'd like all benefits restored, all obligations bundled into one, & loan conditions and schedule that I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I live off XXXX and about {$1000.00} a month part-time work. The company I work for does captions and subtitles. It 's run into financial troubles, so often the checks are late, and a couple of times the check has bounced. This month, I have about {$10.00} in my checking account with Bank Of America when I deposited this week 's check. Because of my employer 's prior history, they put a hold on the check over the weekend. Okay. But now they told me they are holding the check until XXXX XXXX! I called the boss, and he said the check had cleared his account on XXXX XXXX. I talked to customer service, and to someone at my branch, about why they were holding the check longer, and I never got an answer. My rent check will hit that account soon, and I will be in overdraft, with my credit card linked for the overdraft protection. But meanwhile, they have my paycheck. All they are accomplishing is forcing me to take, in effect, a payday loan. I will pay it with my check next week, plus interest. How else can this be understood?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I fell that my school was place to high so that they can get extar money from me and my family!! It was way over price and the interest was way higher than I imagine before sign up and I try to get the best monthly payments but that was to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have sent out multiple letters to NAVIENT for validation of student loan accounts that are showing up on my credit report. I never heard back from them within 30 days by law. I sent the second round of letters asking yet again for validation of this account. NAVIENT has cost me more money in interest fees over the years since i graduated back in 2012. I requested the " income driven base payment '' plan and instead they demanded i go into " forbearance '' instead. This company has become so expensive and has over charged me thousands of dollars in debt due to their scams. I demanding that NAVIENT remove all XXXX accounts off of each credit bureau ( XXXX ). I would like a written letter in the mail stating these accounts have been removed or i will have no choice but to take legal action due to non-compliance of federal laws under the Fair Debt Collection Practices Act. Navient may be liable for their willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account on my credit file is not of my own doing. Unbeknownst to me XXXX XXXX placed me onto her credit cad with XXXX XXXX as an authorized user in which she opened XXXX XXXX, 2016 with a credit line of {$3000.00}. I contacted XXXX XXXX and had myself removed and advised I need this information removed from my credit file and was advised it would not be reported if I wee removed immediately. I explained to them I never asked for this and was not aware of this. I also contacted XXXX, XXXX and TransUnion and was advised to contact the creditor. I am being told by the credit bureau to contact the creditor while the creditor says contact the credit bureaus. I want this removed from my credit report immediately.

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 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a car loan opened XX/XX/XXXX with XXXX XXXX and paid off in XX/XX/XXXX. I had a excellent payment history with XXXX paid as agreed and never late. I recently check my credit reports online and XXXX XXXX is reporting my old account with various negative remarks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo has recently sent me a letter claiming that they have addressed the situation in regards to my previous dispute, and that it can not comment on certain employee disciplinary sanctions ( if any ). 

Wells Fargo had initially sent a letter to me stating that the company denies any deposit taking place on that date ( please refer to my previous complaint sometime in XXXX or XXXX 2016 ), and even claims that I was not present at the time I have stated I was making the deposit. 

I would like to know Wells Fargo 's and the CFPB 's stance on this situation. I want accountability. 

Thanks.

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