BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. 

I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. 

I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. 

Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched XX/XX/2019 statement. USAA BEGAN FRAUD INVESTIGATIONS WITH TEMPORARY CREDITS XX/XX/XXXX, FOR {$52.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEVER NOTIFIED ME WHEN THE INVESTIGATIONS COMPLETED. INVESTIGATIONS ARE REQUIRED TO BE COMPLETED WITHIN 60 DAYS. RIGHT? SO XX/XX/2019 THESE TEMPORARY CREDITS WOULD BE MADE PERMANET.?? HUH? PLEASE EXPLAIN USAA POLICY ON TEMPORARY CREDITS MADE PERMANET. I DO NOT UNDERSTAND ** HOW CAN THESE CREDITS EVER APPLY TO THE BALANCE OF XX/XX/2019 WHEN THEY ARE NOT MADE PERMANET UNTIL 60 DAYS LATER.???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Grain Technology, Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am currently rebuilding my credit. I saw a product called Grain XXXX and it offers a line of credit to applicants like myself who are interested in rebuilding their credit. I visited their website and Grain XXXX didn't mention anything about their annual fees. I applied immediately and it was after I applied, I realized that they charge an annual fee once I set up my account on their mobile app. I immediately submit a request to close my account through their website. Please note that the company doesn't advertise its annual fee during the application process. I was unaware that there was an annual fee. This is deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-30
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Our co-borrower submitted a complaint yesterday. She is a 'borrower ' on our loan modification documents, but Flagstar Bank will not add her to our account as a borrower or as an authorized person. Today, she received an email response from Flagstar and CFPB that stated : " This complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' This is exactly the point she was making in her complaint. Her complaint submitted yesterday stated the following : " The mortgage for our house was modified by Flagstar Bank. In the modification documents that were signed by everyone and recorded, Flagstar included me as a 'borrower. ' Originally, I was on the deed as an owner, but I was not on the original mortgage loan documents as a borrower. During the modification process, Flagstar added me as a borrower, I think because I have an ownership interest in the property. The loan modification document that includes me as a borrower has been signed by everyone ( including the Vice President of Flagstar ), notarized, and recorded. Still, Flagstar refuses to add me as a borrower and an authorized person on the account. I can not make payments or discuss the mortgage loan even though I am technically a " borrower '' on the legal document. I tried to fix this issue with Flagstar, but Flagstar refuses to talk to me. Flagstar claimed that I am not a borrower even though my name is listed as the 'borrower ' on the first page of the modification and 'borrower ' is my title on the signature line next to my name. It is not okay with me that I am a borrower on the legal loan document, but can not discuss any matter with Flagstar or access any information about the loan. Flagstar said that because I am not personally liable for the loan, I am not a borrower. This can't be true because our lawyer told me that there are many people who are borrowers with non-recourse loans who are not personally liable for their loans. '' The loan agreement listing her as a borrower and the response to her complaint is attached.

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 2016-06-24
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been fighting this loan process since 2012. These loans were handed off from AES to NCT and I have been fighting with AES and they tell me to go to NCT. So here we are. I ca n't understand how you can keep someone in default for over 4 years and this is acceptable. I have been paying as agreed and I want to get out of default. You have ruined my credit and continue to do so and make no efforts to settle this debt. Per the terms of the agreement the loans can reach default but it does n't state it must remain in default once it is placed there. Or that you ca n't get out of default. Read section I of the agreement. I 'm not here to ask for a XXXX balance. I 'm asking to get out of default so these loans can get paid off. You have ruined my credit long enough. I live in XXXX, my loans were serviced out of XXXX and they are sitting in XXXX. Someone somewhere in some state says this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched FRAUD CLAIM. DATE XX/XX/XXXX INVESTIGATION COMPLETION LETTER XX/XX/XXXX {$470.00} TEMPORARY CREDITS MADE PERMANET. see attatched. XX/XX/XXXX statement BALANCE {$470.00}. WHY DIDN'T THE BALANCE CHANGE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint to request the cfpbs agency help. Maybe through this chanel, I can be listened. 

American Express is committing multiple violations to the Fair Credit Reporting Act and to the California Credit Reporting Act. I want to mention some of them : 1. Reporting incomplete information.

2. Failing to investigate account.

3. Negligence Breach of contract Please forward American Express the attached documents. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EQUIFAX the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the list of items that needs to be delete in my file : XXXX XXXX XXXX XXXX XXXX Owed : {$1000.00} ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I previously submitted a complaint regarding SpringLeaf Financial Services who blatantly discriminated against me as a XXXX minority regarding a consolidation loan submitted on line, whereby, the loan was approved on line and I was only required to submit additional information which was my XXXX Paystubs to finishing processing the loan. During the call, the representative asked about the vehicles regarding mileage and gave stated they were being paid via a loan and at no time did the representative state this was a stipulation on being granted a loan. They saw the credit report and obviously it was approved minus the paystubs being submitted. This request for a loan consolidation should have been processed without discriminating towards XXXX minorities. This another form of suppression. Also, when I submitted my original claim to CFPB incorporating information above and additional details, I received a call from Springleaf stating they were investigating the details. This was just a cover-up for their discriminatory behaviors. Afterwards, they send a letter with XXXX invalid excuses, after initially being approved on-line. The only requirement which was stipulated in an email which I previously attached to the original claim was their request to view the Paystubs. When I received the 2nd call from the original SpringLeaf representative, she had already reviewed the credit, debt-to-income ratio, etc. So, sending a letter after the fact, is retaliation and another form of credit discrimination, in and of itself. This company should not be in business, as they discriminate in their local offices and underwriting area again XXXX minorities in the communities around the U.S. Also, why continue to send pre-solicitations to clients via email when you have already pre-screened a candidate for approval. Again, after completing the application and being lied to after submitting pertinent documentation as proof, is another form of credit suppression and not allowing XXXX minorities access to capital in the United States. This company needs to be investigated for their illegal, discriminatory, and retaliatory practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: ACCESS GROUP INC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Navient today to inquire about the Federal government extending a forbearance and 0 % to people with student loans. After sitting in the phone tree for 10 minutes, I was given an option for them to call me back. I was never called back. NOT HAPPY! 

I've already paid over 3 times the amount I borrowed and still owe over {$10000.00} and this new law would help my family very much. To have Navient not even call me back is not acceptable, especially considering how much they have made on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Everest Receivable Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. 

XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. 

I have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. 

This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. 

I do not believe this type of business practice is appropriate, let alone lawful. 

What steps can I do to stop all this harassment?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Penn Credit continues to call me multiple times a day for a debt with XXXX XXXX that has been already been paid in full to XXXX XXXX. Confirmation number ( XXXX ) They have been supplied with the conformation number for XXXX to show this is NOT a valid debt and should NOT be reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'M CURRENTLY APPLYING FOR A LOAN MODIFICATION WITH BOA AND I'VE BEEN INVOLVED IN THIS PROCESS FOR 8 MONTHS. NOT ONCE DID THE 30 ( THIRTY ) CUSTOMER SERVICE REPRESENTATIVES FROM THE XXXX LOAN MODIFICATION BRANCH NOTIFIED ME THAT A CREDIT REPORT WAS NEEDED FOR A DECISION. I RECEIVED THIS NOTICE THAT THEY OBTAINED MY CREDIT REPORT FROM SOME CONSUMER DATABASE? IT'S XXXX PER THEIR ILLEGAL RECORD PULL. THE REPORT FROM BOA NEVER CITED THE SOURCE. I RE-PULLED MY XXXX  AND IT'S XXXX. I WOULD LIKE BOA FINED FOR TRYING TO MAKE PEOPLE FAIL THE LOAN MODIFICATION PROCESS AND ILLEGALLY PULLING MY REPORT WITHOUT OBTAINING MY SIGNATURE. PLEASE HAVE BOA FOLLOW UP WITH YOU TO GIVE THEIR REASONING, THEY TEND TO CALL ME AFTER I FILE THESE COMPLAINTS.

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 2016-06-03
Company: GVA Holdings, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
RE : Case XXXX XXXX I paid for a website to be developed on XXXX/XXXX/XXXX. By XXXX/XXXX/XXXX, the work was not done and I requested a refund [ per their 100 % money back guarantee ]. Although I requested for the site to be closed, the company insisted on working on it. I 've attempted to cancel many times, and they still have not refunded my money. I realized that no matter how many times I 've requested, the company would not refund me my money. I contacted the bank on XXXX/XXXX/XXXX to reverse/dispute the charge and put the money back to my account. then the bank to receive my money, and I have not been successful. The company is clearly a fraud and scam. I sent back the dispute forms on XXXX/XXXX/XXXX and the bank claimed that they did not received them so I resent the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I went into my bank to inquire as to the case status and I have not heard or received my money back as yet.

Company response to consumer: Closed with non-monetary relief