BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this account was never delinquent this's my school loan please removed all late from this account please XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address PO BOX XXXX, XXXX XXXX, XXXX  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-10-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.

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
Consumer complaint received 2016-09-20
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Dear sirs, My wife and I are being constantly harassed by this collection agency named First National Collection Bureau , Inc., located in XXXX, Nevada. The collection is for old credit cards which was discharged in bankruptcy some 20 years ago. And in which the statue of limitations has also run out. We have continuously sent them letters telling them to Cease and Desist all collection activities from us. And they just continue to do so. So I 'm contacting you to see if you can resolve this very annoying matter for us.They have been doing this to us for the last three years now. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Keep receiving phone calls saying I owe money on a PayDay Loan from XXXX XXXX XXXX. I did not ever take out a PayDay Loan through XXXX XXXX XXXX. This is a scam and they have called me and are now contacting family members. The most recent call I received came from the following number : XXXX. They call with a claim number saying they are trying to contact me and that they are attempting to collect a debt. I XXXX the number above and found that they are calling other people trying to perpetrate the same type of scam. One of the comments from the online search of this number states it is from XXXX XXXX Services. I have received calls like this before and told them I never took out a PayDay Loan and that any debt they speak of is not mine. Now I do n't answer the phone if I do n't recognize the number, but yesterday they called my mother. I do n't know how they got her information. Please tell me how to make them stop. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: Guidiville Indian Rancheria
State: NJ
Product: Payday loan
Issue: Can't contact lender

Complaint:
i had a balance on a pay day loan to Multiloan Source of XXXX. The account was submitted to collections. I started to receive phone calls from a XXXX XXXX at XXXX XXXX at work and even called my brother who not even listed on any of my information.They call threaten and try to shame and pressure me to give my card number over the phone. They leave a claim number only. When I call back they state the courts would love have my case and it on the mangers desk. I asked for written proof they send an email with no contact address or contact name. When I asked they nasty and hung up. Called Muti loan Source refer to XXXX XXXX auto refer to XXXX XXXX XXXX get a message XXXX XXXX away from desk leave a message. This has happened several times. 
My original Account # is XXXX bal. XXXX XXXX claim # XXXX Multiloan source XXXX They state they do n't know who account may have been given too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Gitsit Solutions, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Since XX/XX/XXXX I have been requesting a mortgage modification. The holder of my original mortgage was XXXX in Fl. After the federal government shut there office down, my mortgage was acquired by XXXX XXXX XXXX for over 4 years they never provided any paper work stating how and why they have my mortgage. I completed every request from XXXX to complete the documents for a modification with no success. Then I received notice that XXXX Mortgage is my new holder of my mortgage. Now, XXXX claim to have my mortgage. What are my rights? What documents am I suppose to receive from the mortgage that is true and legal. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: ACS Education Services
State: WA
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 attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted a completed package to PENNYMAC for a loan modification including a letter of authorization on XXXX/XXXX/15 at XXXX EST. The Letter of Authorization was included as part of their Standard modification package and was also sent separately as a unique, one-page document. As of XXXX XXXX, the authorization had still not been uploaded or cleared by PennyMac 's legal department. I phoned PennyMac that day and they said they woulod escalate the matter, and the issue would be resolved by end of day. Today, XXXX XXXX, again, it still has not been cleared and my client is being denied a trained housing advocate. It should not take more than 48 hours. It has been over one week and there is no good reason for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My FICO score has been dropping ever since the Federal Reserve began debating raising the bank interest rate a few months ago. Because there is no logical explanation for the drop, I believe the XXXX major credit reporting agencies are manipulating ( i.e., artificially lowering ) consumers ' scores to prepare for the rate hike. I am asking that the CFPB investigate this matter as soon as possible. 

( I understand that my complaint does not actually belong on this form. When I tried to explain that no form fits my complaint to a CFPB person, staffing the hotline, she directed me back to this form. )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have never been more than 30 days late with XXXX! My account is due on the XXXX of each month! They also called and offered me a deferment on XX/XX/XXXX and the they indicated that it was a promotion that they were running for all customers to skip XXXX XXXX 's payment. The customer service agent did n't put the extension in until XX/XX/XXXX, which is a mistake on XXXX 's end and not mine! I agreed to the terms and then 45-60 days late shows up on my credit report! I am demanding that this inaccurate information be removed from all of my credit reports and that includes Equifax , XXXX and XXXX! Even the resolution representative at XXXX requested that it be removed, because I have never been 30 days late. This is inaccurate information that must be removed from my credit report. As you see in the attachments is that I should not have a negative mark on my credit report. Under federal law the account has to be 30 days past due the due date to be eligible to be reflected on a credit report! They know that this information is erroneous and inaccurate. I was a few days late on XX/XX/XXXX 's payment and paid on XX/XX/XXXX, for XX/XX/XXXX, but I have never ever been 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a notice to pay {$1000.00}. 
It is a scam I do not have a bill with XXXX XXXX XXXX. The account was closed after 10 years. 
THE original account # : XXXXCreditor : XXXX XXXX XXXX, XXXX. 
XXXX Account : XXXX Creditor : XXXXDear CFPB : The credit card I once had with XXXX Bank was closed after 10 years. The account was in 2004.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I entered into a Home modification loan to enable me to keep my home. I had rented my home out and had a hard time getting my tenants to move including taking them to court, so the house payment was not made for 2 years. I was going to just give the house back to Wells Fargo but decided to keep it and do this modification. In the long run it went thru but they said by the time they tacked on the fees and interest etc, my new loan was going to be for {$230000.00}, how can this be? The house is not a XXXX home. Can someone explain if I got took or not?

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 2017-04-28
Company: Experian Information Solutions Inc.
State: SC
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:
contacted Experian,  XXXX  and   XXXX   from  XXXX  concerning inquires that were removed from credit report that still appears on there. they advised that they were removed. keep calling back now they tell me that I need to contact the companies that requested my report. I contact those companies and they refer me back to the Agencies. this is an on going issue that I want to have removed. I have also had addresses on the account that did not belong to me. My father was put as my husband.  XXXX  list other people names and ssn on my credit report. The last updated report received from  XXXX  had full ssn of other people that is a violation. They mixed up files. only  XXXX  address and employer should be listed on my file. Every time you call now everyone is a supervisor at Experian and  XXXX  and cant help you. The purpose of putting a fraud alert and security freeze is to be protected from theft. These companies are allowing others records to be mixed with different people and if you call to validate and have the information removed its always an excuse. When I call to check on status of disputes I will get a letter in the mail stating that it has been extended due to recent inquires. This is not acceptable.

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 2015-11-16
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX I called wells Fargo bank about a ACH transaction that was scheduled to hit my account however I was not able to see it so I wanted to confirm that it was not returned and will be paid, The customer agent confirmed that just like me she could not see anything pending on my account and assured that my deposit had gone through already as of XXXX so I should have enough funds to cover the transaction when submitted. I checked my balance all day and everything was fine and suddenly late afternoon I saw that the transaction was processed first before my deposit and the bank charged me a {$35.00} NSF fee. I called them and asked why they would process this transaction first and why was n't it showing as pending before, why the customer agent assured me that no fees will be assessed the agent replied and said that this transaction was actually submitted on the XXXX. I replied that this could not be true because their own customer agent could not locate it in their system, then he told me that we can still process it by noon the next day and charge you a fee if necessary. I replied that it was about XXXX when I saw the transaction post and that did check at XXXX XXXX and nothing was there so even the cutoff time was not accurate. last but not least I told him that I have a limited checking account that does not allow for overdraft to begin with so why would they break their own rules and pay this item instead of returning it as they were supposed to. he could not help he transferred me a another department called executive customer care who opened a case ( case number XXXX ) promised to review the recording and see what the agents promised then call me within one business day with a resolution but I never heard from them. I believe this bank continue to pray on certain groups of people. they have unfair business practices especially how they process transactions to benefit themselves and hot customers with unnecessary fees. this is again biased unfair and they can not continue take advantage of consumers and steal their hard earned money which they were already found guilty of doing. I 'm planning on closing this bank account, tell my friends and colleagues but I need to recover the amount they stole from my account prior to doing that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have multiple loans thru Navient ( previously XXXX XXXX ), I 've tried working with them about payments but they will not budge they want more than I can afford, now I think they are going to try to garnish my wages without a court order

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation