BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: BB&T CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. 
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. 
In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.

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 2021-01-06
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: Account information incorrect

Complaint:
XXXX XXXX is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However XXXX XXXX reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''

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 2017-01-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have both private loans and federal loans that are serviced through Navient. Every time I have tried to have them work with me in regards to making my payments affordable their only solution is forbearance. They have no other options and state there is nothing else they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I have a Paypal account where I have funds. Suddenly, Paypal sent a notice that my account is limited and that I can not withdraw my own funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Byrider Franchising, LLC
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CNAC/XXXX ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: AR
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:
I have several items on my credit report that are not mine including a XXXX XXXX XXXX. I have never been put on XXXX XXXX. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. 

XXXX XXXX  XXXX XXXX {$890.00}

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 2022-10-11
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I no longer respond to the many phone calls I get daily from Aspire as I don't understand how my federal student loans magically turned into private loans. They call everyday telling me that my loan has been in default since XX/XX/2022, which is incorrect because my federal loans were in forbearance for the past few years. This company has been calling me nonstop suggesting that they will help me with a payment arrangement with many kinds of programs like forbearance and income-based repayment plans and if I don't comply, they will garnish my pay, I'll be in default and my credit will be ruined and the government will take my tax return if I don't comply. I don't understand how they became my federal student loan servicer. They harass me EVERYDAY, any help in this matter would be appreciated.

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 2021-01-06
Company: NCB Management Services Inc.
State: ME
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I received a copy of my credit report after being denied a line of credit. I noticed a collection account from NCB Management on my report that I was not aware of. I have never received any communication either by phone or mail regarding this account. Therefor, I sent this company a request for validation via certified mail on XX/XX/XXXX. USPS recorded that this certified letter request was received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from this company that did not fulfill my request of validating this debt that is on my credit report. The letter from NCB Management was also dated for XX/XX/XXXX however I did not receive it until XX/XX/XXXX. The letter stated that they conducted an investigation into my dispute but they were unable to substantiate my claims. This was not the request that I had made. I further looked into this debt collection company and learned that they are also not licensed to collect debt in my state, which is Maine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2015-06-16
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Very simple ... I have a bill from some XXXX that has been paid with the minimal amount that is suggested on the bill itself of {$20.00}. Payments have been consistent every month, certainly no reason to go to collection. 
I spoke with the dr. and his third party billing agency and all can not understand why this went to collection as they see consistent min. payments have been made. 
I received my XXXX call at XXXX from Synerprise XXXX regarding this bill. I said that my husband is our bill payer and I would check into it. I did just that to find that payments have been made of the min. {$20.00}. I then retuned a call to the collection agency to give them the information. I received another call this morning that shook me up terribly as the individual on the phone was threatening, demanding, cocky and rude. He actually hung up on me ending his call to me. 
I told him the same thing over and over that I have been paying the min. of {$20.00}. He asked me to call him back with the latest payment information. I said I was driving and that " no '' I would not do that as he can call his customer and find that out himself and there is no reason for him to even be calling in the XXXX place as again I said that payments have been made by with the min. payment. He mimicked my " no '' with an emphasizing sure surprise that since I would not call him back with the info he requested he would send me to collection that would wreck my credit and asked me if that is that I wanted to happen. I said that I will then just get an attorney as there is no reason for him to be calling me and he said " good luck with that ''. He was rude, demanding, and insensitive to the fact I was driving as I stated to him that payments have been made and that he was telling me a lie that I owed $ XXXXwhen in fact I knew the bill was down to {$28.00} and change. He was cocky in is presentation and conclusion when saying " have a nice day '' and hung up on me. This was XXXX XXXX at Synerprise. I was shaken terribly that when I got into work I called the Dr. XXXX who was very kind and then his third party at XXXX billing - XXXX. She apologized and could not understand why this went to collection. Just bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The account is closed already ... but I have been trying to make a payment for a two weeks now but no one will help. They tell me to keep waiting, but everyday my credit is affected negatively due to non payment ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: CCS Financial Services, 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:
Credit collection Services, XXXX XXXX XXXX XXXX, MA XXXX Account was paid and they still proceeded to report account as unpaid to credit bureaus on a Bill that i was not responsible for my Doctor 's office made a mistake and took forever to pay it well they did for the amount of {$540.00} but the next month CCS reported it as unpaid to my Credit when i called CCS they told me the account was closed i want it removed from my credit reports

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Friday XX/XX/2020 my cash app account was locked again do to false accusations of suspicious activity that was not committed I simply tried to add money from my bank account to my cash to pay a bill that is due I dont understand why cash app continuously locks my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person

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 2021-01-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hello I have a M & T checking account that is set up for direct deposit for child support, when the first deposit came into my account it took 1 day to be deposited into my account, now my bank is taken 3 business days instead of instant deposit, at first it was the next day, then it was the second day, now for the the second time it 's 3 business days, for instance my children 's child support said XX/XX/XXXX and now it 's XX/XX/XXXX, and no child support deposit and the ignorant thing is my bank wants to blame child support, and child support is saying it 's my bank who 's not depositing it. 
Who is holding my children 's money and why? It 's not any one 's money to make money off my children 's money, in less they 're going to give us a percentage of what they 're making on my babies money over the years. 
I 'm 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