BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: Collection Technology Incorporated
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was enrolled and signed a rehabilitation agreement with the collections agency hired by the Dept Of Education Collection Technology Inc XXXX. I went with a rehabilitation instead of consolidation because I was told collection cost would be removed and the negative trade lines from the Department of Education would be deleted. After loosing employment, I continued to make the XXXX payments on the account for the 9 months we agreed to verbally and in writing. Only after making my last payment was I told that I was not able to rehabilitate my loan, after being out over XXXX. Now I have to consolidate anyway and my payments arr projected to be around XXXX a month when it 's completed. Without the credit line deletion and collection cost being removed I feel that the payments I made under the rehab program should be either refunded or applied to my interest and principle not collection cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX, 2019 I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays of Delaware by phone to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.

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 2017-07-21
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a  XXXX   XXXX  loan that became delinquent  in  XX/XX/XXXX . A ccording to  XXXX   XXXX  guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency   in  XX/XX/XXXX . I t never happened.     Notice was sent to mortgage company o n  XX/XX/XXXX  that they were supposed to give a streamlined   modification. They still are not offering the streamlined modification and foreclosure is scheduled for  XX/XX/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 2020-01-08
Company: Receivable Management Group, Inc. (GA)
State: GA
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:
Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX  XXXX has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. 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 2017-07-21
Company: Seterus, Inc.
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.

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 2022-06-17
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:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: LEXISNEXIS
State: VA
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: Was not notified of investigation status or results

Complaint:
Referencing my ongoing issues and previous complaint # XXXX, I received a letter from Lexis Nexis dated XXXX XX/XX/2022, with a Disclosure Report URL of https : XXXX and a PIN of XXXX, but I'm not able to access the report. I get an error and am not able to access my report. I first received the error without the option to submit the Captcha responses, then I was able to select the images and respond but I still got an error. 

Additionally, the current letter states that there was unverified info. associated with me from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX, as well as from the LexisNexis XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I am a member of the military and have tried to get legal assistance for what I think may be fraud and violations of consumer protection laws. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created an account on Binance.US to purchase cryptocurrency in XX/XX/XXXX and they froze my funds on XX/XX/XXXX and I still have not had access to my funds restored. A chargeback was issued on this date due to insufficient funds in my bank account. The website said my funds would be locked until I deposited an equal amount of money to cover the chargeback. The deposit for the requested money cleared on XX/XX/XXXX and my funds are still frozen. I find it odd that they will accept money from me, but I am unable to restore access to any of my funds. I have submitted multiple help tickets and there has still been no response. Many others on XXXX have had the same experience. I feel there is nothing I can do and they are unfairly seizing my funds. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have several federal student loans through Navient that were taken out in 2005 for XXXX XXXX XXXX XXXX XXXX. Through the years I have not been able to pay so I have been enrolled in an Income Based Repayment Program, which after so many years my loans would be forgiven IF I renew every year. Every year for about XXXX I have had no problems, until last year. I, like so many others lost their job during Covid lockdowns and safety measures. So I ended up on unemployment, making less than the previous year - which like so many years my XXXX XXXX XXXX XXXX ( XXXX ) annual renewal had zero problems. But when I make less money, I get repeatedly denied - just like this year when I applied in XXXX, receiving my rejection letter on XXXX. Currently I make less than {$1000.00} a month. Per the laws I am entitled to financial help, which Navient has denied for a second year in a row. Last year after literally yelling and screaming on the phone I was able to get my XXXX instated after seven months of fighting. And even then I was lied to because I was told I would only have to pay {$17.00} a month but actually paid over {$24.00} a month, so you can see I have zero trust for Navient and its practices due to their repeated disingenuous actions. 
This years rejection letter stated that because I am paid XXXX out I am not eligible for financial help. Why am I paid 12 months out? Why do I continue to be rejected when I make even less money each year for the past two years? No one will answer me in the multiple attempts trying to contact Navient. It is my belief since my loans would be forgiven in about XXXX Navient is now trying to ensure that I fail at my renewal so they can up my monthly payments, and ensure that my loans never are forgiven. Since I had so many years of successful annual renewals for my XXXX program, its really the only avenue I see from their repeated behaviors over the past 24 months. Also since the loans have been issued I have received at least three class action suit payments due to Navient 's blatant infractions, which reinforces my belief that Navient is now being disingenuous and again attempting illegal business practices ; because after all the crime is more than the fine these days. And lastly I believe I illegally paid Navient last year and now they are trying to cover it up saying I am paid over 12 months out. Thank you for your time and any help in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Block Inc, formerly known as Square, allowed a fraudster to create an account using my mobile phone number without double-checking the number. 
I am now getting calls from people who have been scammed, asking ME to ship the merchandise they ordered. 
I am filing a complaint because Square/Block should have verified the phone number and not let scammers use any number. 

Not only is it annoying and stresful to answer all these phone calls, I am also fearing my phone number will be associated with scam and automatically be blocked by automated systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: BANCO POPULAR DE PUERTO RICO
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Received a pre-approval through XXXX XXXX for a small personal loan of {$3500.00} at XXXX. 

Clicked accept offer, and once at the XXXX website, was asked for various documents. Uploaded all of these documents and received a call the next day to go over everything. 

In addition to my tax return income, I receive over {$800.00} social security XXXX pay month. I provided them my online statements from XXXX XXXX, which is where my benefits are direct deposited every month. Was told this was not sufficient to prove income ( has my name, address, deposits and my manual deposits to my bank account ). Was told they needed my award letter. No problem, I sent that. Was then told they had to have the tax form SSA 1099. No problem, I sent this. 

Told I needed to provide actual bank statements from XXXX XXXX. I explained that this is a government issued prepaid card, where only government benefit payments can be made. And that the monthly statements clearly show the SSA deposits, my name, my address, the bank transfers ( which they see on my actual banks statements ). 

Denied the loan. Was initially told it was because they couldn't use that income. Told later that information NEVER SHOULD HAVE BEEN TOLD TO ME. WHAT??? It's my loan application and my income and my denial. 

I know XXXX is going to supply some canned response that I was denied based on a credit report. Let 's see, a XXXX credit score, 1 percent credit card utilization, no late pays, delinquencies, 2 inquiries in 2 years ( 1 inquiry was from XXXX in XXXX when they did the EXACT SAME THING ) and the other inquiry nearly 2 years old for my XXXX credit card. 

The adverse action letter says to call the application review manager and lists a number with questions. Called and told there is no way to have any communication with that department or person. They will send a more detailed reason for denial upon my request. 

I asked again what specific information is not found on the XXXX XXXX statements that would verify the income. Told they can't tell me that, it's an internal thing. 

This is discriminatory lending as XXXX is refusing to include my SSA XXXX benefit pay as income. I have provided every document available that verifies this income. I asked if we could contact social security via phone to verify. Nope. But they do have the benefit verification letter yet and still this is not sufficient!? 

Funny, they pulled my soft inquiry to offer the loan last night. And that's STILL ALL THEY HAVE PULLED. NO HARD PULL HAS BEEN DONE, THAT'S HOW I KNOW IT HAS NOTHING TO DO WITH MY CREDIT REPORT. But I will bet when this complaint reaches them, a hard pull will suddenly appear.

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 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, No Account #, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-27
Company: United Shore Financial Services, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered pandemic assistance in the form of forbearance, which I took starting in XX/XX/XXXX. I was under the assumption we would be able to move any payments not made to the end of our loan. 

We took the entire extension offered of 18 months. 

XX/XX/XXXX I submitted an application on the website to do a loan modification. I checked the next day and it seemed to no longer be there, so I submitted another request. I checked back nearly daily. It came back denied, due to a previous modification, that had been made more then 12 months ago. 

On XX/XX/XXXX, I submitted another request for a loan modification. It was denied on XX/XX/XXXX. 

On XX/XX/XXXX, I called and talked to our loan representative. She said we could do a deferral of payments on the ones we missed and they would be added to the end of our loan. She said I should make our normal mortgage payment as planned. 

On XX/XX/XXXX, I logged in to make the payment. It said I was denied for the federal and I could not make a payment at all on line. 

I tried called the representative I spoke to directly-I got her voicemail. I talked to someone else, who was extremely hard to understand ( he was muffled-I asked him more then once to unmuffle ) for an hour. I came out of the phone call with no resolution. I guess the deferral was denied because it would take 30 days and at that point I would be 19 months behind on my loan, even though I was told to make a payment XX/XX/XXXX. 

I called my representative again and left a voicemail after the hour long phone call with the other agent. At this point, there is 4 days left of the month ( 2 business days ) and Im not sure whats going to happen. I dont know if foreclosure proceedings have started, I dont know if I can try to pay the forbearance payments over the course of 6-12 months on top of a regular mortgage. I have no resolution or actions to take. 

It takes at least 24 hours for someone to get back to me. While I understand its a business and there are other people in line, I should be able to talk to someone who could actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TRANSUNION is complicit in reporting an account as a charge off to my consumer report causing defamation to my character. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have filed a XXXX Cancelation of debt with the IRS for these accounts and are attempting to collect the same amount they wrote off with the IRS from me on a written off debt that they were already paid for. This is tax fraud and I will report you to the IRS as being complicit in the fraud. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and TRANSUNION are attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.

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 2021-02-10
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
It has come to my attention that payday loans and installment loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Better Day Loans, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing to repay the principal balance of the loan. However, a breakdown will be provided of what has been paid on the loans to XXXX XXXX. 

Currently, I have received {$2400.00} installment loan effective XX/XX/2020. I had paid 7 payments in the amount of {$290.00} and 1 payment for {$370.00} totaling {$2400.00}. My loan should be voided as I have paid the principal amount back in full. I have also several loans before this and have a made an overpayment that should be due back to me for {$750.00} XX/XX/2020 received a loan for {$2400.00}. Payments made to this loan {$2400.00} XXXX XXXX received a loan for {$1100.00}. Payments made to this loan {$1400.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1700.00} XX/XX/2020 received a loan for {$1500.00}. Payments made to this loan {$1600.00}

Company response to consumer: Closed with explanation