BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. I was told that federal loans would take care of the associate 's and bachelor 's degrees. About a year before I was supposed to graduate, I get pulled in the middle of class into the financial aid department. They told me that my federal loans had run out and that I would have to take out private loans to finish my degree. They had me take out a Peaks loan. Because of their high interest rates, my total federal and private loans come out to over $ XXXX. I am already in a student loan forgiveness program for my federal loan, but need help with my private loan with Peaks. I had contacted Peaks and the lowest they can drop my payments to is {$200.00}, which I still ca n't afford. There is no way the education I received from XXXX is worth anywhere near $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: World Omni Financial Corp.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle XX/XX/2015 in XXXX, SC. In the process of purchasing the vehicle I agreed to purchase GAP coverage for peace of mind. This coverage was negotiated into my financing with XXXX XXXX. On XX/XX/2015 I was involved in a serious accident in which the vehicle I had purchased suffered extensive damage. Upon communication over the phone with my insurance agency, I concluded my vehicle was a total loss. I then called XXXX to verify the process for my GAP coverage. A few months later, the threatening and harassing phone calls began. To my surprise, my vehicle is listed as a repossession by XXXX and I am suffering the unbearable consequences of a negative credit situation and CONSTANT harassment even after I have informed XXXX of my request for them, and their collections agents, to stop. Their harassment over an account that never should have been marked delinquent due to my purchase of GAP coverage has led to me losing XXXX in lost potential credit opportunities, as well as embarrassment and XXXX over a matter that should have been resolved the day I signed a contract for GAP coverage. These people are horrible, unethical, and shameful. They have ruined my credit and reputation and I am not going to sit back and take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently changed banks and changed my banking information on XXXX website. I got an email saying they have received my payment on XXXX/XXXX/2016. I checked their website and it showed my payment was current and my next due date was XXXX/XXXX/2016. I noticed the money was not taken out of my bank account so I thought maybe it was just a delay. 10 days later XXXX/XXXX/16 I got a letter saying there was a problem with my payment information. I checked the website and it now said payment was overdue. I submitted payment again and called ocwen customer " service ''. I was told that my payment was submitted and there was no problem with it. When I told the customer rep that they did not take the money out of my account and asked why, I was told that the payment did not go through the first time due to a problem with my bank but he could not tell me what it was. I told the customer rep that they need to update their website as it had incorrect information on it which caused me to assume everything was OK. He said I was being charged {$59.00} for the payment being returned even though I was told the payment was current and the website reflected that. I told him to cancel my current payment until I figure out what was going on so I did not get charged this ridiculous fee again and he told me it was too late to cancel the payment and I will be charged the fee again. So I am being charged $ XXXX+ in fees for XXXX mistakes and do not believe this is fair. On top of that I sent in a request to have my escrow account removed and was denied due to false information from their escrow department. My loan to value ratio is XXXX % but they had it at XXXX % even though I offered to provide proof of my appraisal value.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$44000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/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 2015-09-19
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This company will not stop contact me at work. I have asked on XXXX occasions not to receive calls at work, and they keep doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Credit Bureau Services, LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I technically owed the debt to a daycare provider ( XXXX XXXX ) until the provider in their negligence of unspervision, and lack of security cameras on the play area allowed another child to victimize my XXXX year old daughter by XXXX. My daughter was taken to the emergency room, the incident was sent to the XXXX hotline by the emergency room doctor, a police report was filed, and she was interviewed and examined again at XXXX XXXX. The daycare had the audacity to send the balance to the credit bureau for collections. The credit bureau made constant attempts through mail and constant phone calls. I informed the credit bureau over the phone as well as a formal written statement why the money was not owed to them for nullifying our contract by no longer providing a safe environment for my child. I also explained to them with enough detail what had happened to my child and in sheer principle of the matter the daycare bill will not be paid. I asked in every conversation to please stop contacting me, they would not receive payment and that a civil suit for negligence, accidental injury, and damages would be filed. They still continued to contact me through mail until I was served with court papers stating I was being sued for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX XXXX or Equifax. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am so disappointed in Bank of America, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't bank of America truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend bank of America and all their hidden and unjust fees and they do n't help their customers out in any way!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I received an American Express Serve Prepaid debit card. Not too long after, a fraudulent charge of XXXX was withdrawn from my account from a ATM in XXXX. However, I reside in XXXX. After speaking to various customer service representatives, supervisors, managers and so forth my dispute was not honored. They will not give me a feasible reason as to why. I asked them how could this happen when I have my card in my possession and they are well aware that I have no access to an ATM in XXXX. Moreover, all of my transactions were made in XXXX XXXX, XXXX. This transaction does not add up and they refuse to reimburse my XXXX. Furthermore, they have blocked my account in which I have my direct deposit linked to this card. I still have funds on that account that I can not use. The representatives are poorly trained and whenever I speak to them they are either fully unaware of what is happening with my account or some information is missing. Not only is this an inconvenience but it has also caused financial hardship. I am unable to pay any of my bills and the situation occurred a week before XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Am reporting in hopes of saving someone else more than thinking that I will ever get my money back. 

Was contacted this morning by a person claiming to be my son-in-law, allegedly in jail after crashing his truck into a utility pole. The voice and inflection of the voice did indeed sound like XXXX. He turned me over then to his alleged lawyer who explained the immediate need for {$2000.00} cash to get him released. Sent the money via MoneyGram to a XXXX XXXX in Delaware. Then got another phone call saying there was a new complication that another {$1800.00} was needed and realized at that point that I had been taken in. Rushed back to WalMart were I executed the MoneyGram transaction, they immediately check and the money had already been picked up. The MoneyGram reference number in this case is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Late fee

Complaint:
Customer Service XXXX. XXXX XXXX XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX This letter concerns account # XXXX XXXX XXXX XXXX. Cardholder name is XXXX XXXX. Address is XXXX XXXX XXXX, XXXX, Illinois. Any additional cardholder information can be provided on request by calling XXXX. 

For the XXXX billing period, the amount owed on the account was {$22.00}. The due date was XXXX XXXX. Payment was sent on time, but, probably due to the XXXX weekend was not recorded until XXXX XXXX. The delay in payment, at the very worst was one day. If the payment had had been recorded on XXXX XXXX, the balance on the account would have been XXXX. Instead, a late fee of {$24.00} was assessed ; this late fee is in excess of 100 % of any amount owed ( but paid ). 

Upon contacting customer serve, representative number 1, insisted that the assessed late fee was correct and adhered to policy. Representative number 1 could not explain precisely how {$24.00} was calculated. She was more concerned with explaining the loss of rewards if the card were cancelled. I asked for a supervisor. After XXXX minutes a representative from XXXX came on the line. Interestingly, she could not help with the TJ Maxx account. 

Representative number 2 was similarly as confused as Representative 1. Instead of reading the late fee policy aloud with me, in order that we might both begin to understand it, she transferred me to a supervisor. The supervisor promised to resolve the problem by agreeing to eliminate the {$24.00} fee. 

The purpose of this letter is : 1. To make certain the {$24.00} fee is removed from the account 2. To notify the appropriate governmental agencies of the excessive late fee policy. 
I am still curious how the amount of {$24.00} was determined. 

Thank you for your time and effort. I look forward to hearing from you in the near future. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I received XXXX phone calls today between the hours of XXXX and XXXX from Synchrony bank in regards to a debt on my account. I was not award of the debt owed as they had an old e-mail address and I elected not to receive paper payments. ( I only used the card XXXX and must have forgotten that I did not sign up for autopay on the account ). I picked up on the XXXX attempt at XXXX and paid the bill and updated my email address. When I asked if I could request not to be called as frequently next time I was told that they can not control the amount of times I am called as the account is called via an auto-dialer system. I said that it was abusive to be called this many times in one day on my cell phone. They said I could talk to customer service if I would like, but I declined the opportunity as I was hoping to present my issue here. I did not provide express prior consent to be called on my cell phone. The account was purchased by Synchrony Bank about a year ago and at that time, not request for consent to call was provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My name and social security was used to open numerous credit cards and loans with various banks. XXXX and XXXX has release me from being responsible for these account. However, Barclay refuse to file as a fraudulent account because of the retracted conversation in 2014. However, XXXX XXXX is the person who contacts Barclay concerning the account in my name and two other family members. They have not sent me a copy of the application and procedure of how identity was proven to them when requested. They refuse to talk to me about the case and stated that it is closed from their end. I do n't know how they accepted and approved an application fraudulently. I was told to go online to access further information on this account. However, I can not access anything because I do n't have any information on this account- no credit cards or statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
A number of my credit cards no longer give access to their interest rate when I sign in on the internet. While I can locate info on paper statement, if I go w/o paper statement, I worry I will lose access. ALSO it seems they are " hiding '' info ... when the rate is variable, it is wise to watch the rate. 
I want to access not only my balance, payment, charges, etc. -- but my interest percentage as well. I have called them, and after that nuisance, I get the rate ... but that is wrong. Should n't they be required to disclose as they do on paper statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I, XXXX contact Conn 's XXXX account. Conn 's charge off two accounts {$40000.00} # XXXX & # XXXX XXXX charged off XX/XX/2015. They contact me to pay off a balance that I did n't owe the amount there requesting to pay. I read the law if a company charge off a debt they ca n't come back and collection a full balance. We need help knowing what we can do.

Company response to consumer: Closed with explanation