BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-17
Company: Social Finance, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
SoFi indulges in false advertising to get people to sign up for personal loans In my case, I was promised a {$10.00} incentive for checking the loan rate. But the company didnt send any incentive after even applying for the loan. The customer support doesnt know how to handle this and gives me the runaround. 

In addition the company promised a {$350.00} promotional bonus on getting a new loan. But when I applied for the loan the company said that the promotion was only for {$300.00} on my application even though the link I applied through clearly indicated that the promotion bonus was {$350.00}. 

These are two examples of how company indulges in false promotions to lure borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Having multiple credit cards, I gave discover the wrong passcode to my account. They immediately transferred me to the fraud department, without my knowledge. All of a sudden it went from courteous service to someone who was brief and dismissive. The personal questions they asked about my life are pulled from public records and they were not accurate. So they continued to lock my account despite them having incorrect information. I was finally able to activate my card but I felt such a difference in service when transferred to the fraud department. While Discover 's goal may be to put the customer first, they clearly do not treat all customers equally. Furthermore, their disinvestment in technology systems which could speed up the credit card activation process is eye-opening. They could not verify me by sending a passcode to my phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Harvest Credit Management VII, LLC
State: MO
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:
On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of HARVEST CREDIT MANAGEMENT ( HARVEST ). XXXX alleges the original creditor was XXXX XXXX BANK ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to HARVEST. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from XXXX ( XXXX ). XXXX alleges its client is HARVEST, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that HARVEST and XXXX have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, XXXX chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or HARVEST, there was no validation of debt. 

It appears HARVEST, XXXX, and XXXX are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears HARVEST and XXXX are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported XXXX to the CFPB previously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to do a short pay on the property deeded in my name, the original loan was in my ex husbands name ; so I 'm trying to get the loan in my name. My ex husband was the victim of predatory lending and the mortgage on the home is what lenders call " upside down '', when my ex husband left he filed bankruptcy on the loan and I started paying it so I would n't lose the home. At one point it went into foreclosure because of the monthly payment and I was unable to pay it. I would like to get this mortgage in my name and not have to worry about it going into foreclosure again. I was working with the previous servicing company that serviced the loan and the loan was transferred to another servicing company. The current company has been giving me the run around on the loan, I have submitted all documents they have asked for an even proven that the property is not worth the VPO value determined by an estimate they obtained. The servicing company tells me that the variance is determined by a third party vendor of theirs but will not supply me with the name, they have refused to tell me who now holds the actual mortgage on my property and that I have to deal with them. I 'm not allowed to speak with their underwriters or anyone within the company other than their customer service agents. I 've tried numerous times to go through their resolution department to no avail. I finally decided to do some research on my own and found out that this particular company was fined in the past by the Federal Trade Commission for unfair business practices that caused numerous people to lose their homes. I have a XXXX son and I have lived in this home with him and modified it for his use since XXXX. The previous serving company had come to an estimated value of XXXX XXXX and I 'm willing to pay that, the current servicing company is in no way willing to take XXXX XXXX when I 've submitted document proving its value to on be worth that amount and even offered to show them the correspondence from the previous servicing company. The current company is wanting XXXX XXXX more. I 've asked them to justify to me how they can determine the property is worth more than the previous servicing company. Their customer service agents do not forward my estimates when I turn them in and then I 'm told the final decision has been made. Honestly, I think the company is trying to push me into a foreclosure, they contacted my ex husband and tried to talk him into signing a deed in lieu so they could put the house on the market and sell it. I honestly believe this company is trying to sell my home out from under me using whatever means possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I reached out to XXXX  and Transunion several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than Transuion. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.

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 2016-11-29
Company: 2288984 Ontario Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I believe this loan from Money Key is based on an Interest Rate that exceeds Maryland XXXX Law. Each payment is not applied to the principal ; in addition {$30.00} per {$100.00} borrowed is charged monthly. The unpaid balance appears to increase monthly. After approximately {$900.00} in payments I called in for an advance on my Line-of-Credit. I was told a payment of {$310.00} was returned and that payment must be made to access any available funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by phone by XXXX XXXX XXXX XXXX XXXX flXXXX ph XXXX agent young park stateing he had a purchase agreement for XXXX timeshare for total aqition price of {$22000.00} plus 5 weeks use pass which he sold for {$7100.00}. Total {$30000.00} would be deposiited in my checking acct when we wire {$2600.00} for transfer to young park XXXXwhen the money didnt show in the acct i tryed to contact young park and got only voicemail and no responce this title co is owned by XXXX XXXX ph XXXX the purchase agreement was for XXXX & XXXX Ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
my wallet was taken and I had my pin written down on a piece of paper someone used my debit card along with information on my drivers license to cash a counterfeit check into my account. XXXX XXXX XXXX honored the check without positively identifying if the person was me. I filed a claim regarding identity theft but the did n't honor in my favor because my in was used. I do n't think that was fair because I did n't expect anyone to steal my wallet and I did n't expect XXXX XXXX XXXX to not be more careful identifying me before cashing a check from a name, state and place, that has never been used in my account before, based on activity in my account you can clearly see that my account was used for direct deposit from my job. please help me I need a bank account and this is preventing me from getting XXXX anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX, NC XXXX XX/XX/2017 Consumer Financial Protection Bureau Consumer Complaints XXXX, IA XXXX RE : NAVIENT Loan-XXXX-1 Dear CFPB : I am seeking assistance with the proper application of my loan payment to NAVIENT. 
On XX/XX/2017 I made payment of {$920.00} ( please see payment receipt enclosed ) to NAVIENT for Loan XXXX. This payment included what NAVIENT states in the payment statement ( please see enclosed payment statement ) unpaid fees of {$260.00}. 
On XX/XX/2017 I returned to the NAVIENT website to schedule my next payment and see an amount due of {$260.00} which I just paid ( please see enclosed Account Summary ). I then called NAVIENT to report that the payment was not applied properly because I paid the unpaid fees, as well as the current payment of {$650.00} totaling {$920.00}. The representative told me she saw the problem and asked me to hold. Whomever she spoke with provided this response. " Do n't worry about it will be there until the loan is paid off, just pay the regular scheduled payment. '' My response was NO you all need to apply it properly. The representative then placed me on hold to return to tell me that, " the full payment was applied to all interest and they would be sending me a document which explained how payments are applied. '' I then refused to take this as answer. 
Enclosed is the document found in my NAVIENT student loan documentation ( Loan Term documents enclosed ), it clearly shows that there were {$260.00} in outstanding fees which included in my payment paid on XX/XX/2017 totaling {$920.00}? The Loan Term documents enclosed clearly shows by monthly payment to be {$650.00}. 
I would like my payments applied properly as is stated on my Payment Statement. The unpaid fees and loan payment should be applied as such and my current payment should only reflect the {$650.00} due on XX/XX/2017. Per the new account summary NAVIENT is stating I owe {$920.00} ( please see enclosed account summary 2 dates XX/XX/2017 ) which includes {$260.00} that I have already paid on XX/XX/2017. 
Please do n't allow NAVIENT deceptive payment practices go on any longer. Also please note that I REFUSE to pay the {$260.00} again and I also need it reflected on my statements that I have paid the unpaid fees of {$260.00} to NAVIENT on XX/XX/2017. 
I understand the Consumer Financial Protect Bureau has sued NAVIENT for such practices and I would like my compliant included in the law suit if you find it applicable. 

Sincerely, XXXX Enclosure ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is a further complaint in reference to complaint # XXXX. I submitted a complaint against Capital One on XXXX/XXXX/2015. On XXXX XXXX 2015 I was contacted by someone who identified himself as XXXX stating that he was looking into my complaint and hoped to have an answer for me by Friday ( XXXX XXXX ). As of XXXX XXXX I had not heard back from XXXX, though I did leave a message on his voicemail. On XXXX XXXX I received a telephone call from a woman who wanted to know when I would pay them. I explained to them the issue and that I wanted a resolution before I paid them but that if the issue reached a point where they absolutely needed money to let me know an I would take care of it. The following day I received another telephone call from Capital One demanding money. The person I spoke to had no knowledge of the complaint, and admitted they had not read the notes on the call before speaking to me. I explained the situation again. She asked if she could transfer me to a supervisor. After XXXX minutes ( literally ) on hold I was put through to someone who identified themselves as a supervisor. I explained the situation to him. He claimed that the auto-dialer did not give the employees time to review the account before it called my cell phone. He told me that I may still receive telephone calls every day. I told him that I felt they were harassing me because I had filed a complaint and that if I was going to have to do Capital One 's job they should give me money. He said, " that ai n't gon na happen. '' I then heard nothing from Capital One. My mother received a message on her answering machine ( she is not the borrower or an account holder ) that cryptically stated, " things have changed. '' I called Capital One ( XXXX direct line ) and could not get an answer. She returned there call and they said they were just automatically dialing her number, though they still did not apologize for unlawfully removing money from her account. I feel that I am being intentionally harrassed because I filed a complaint against Capital One.As of this writing I can not get through to a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Weeks of repeated robo calls that hang up after XXXX rings or when answer machine answers. A message asking to return the call or any message is never left. The calls come through using XXXX different caller id numbers. Violates Fair Debt Collection Practices Act 806 XXXX 5 ) " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. " No one here has any debt that is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX against Portfolio Recovery for Portfolio 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Portfolio has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was in the middle of the loan modification with XXXX XXXX XXXX when I found out that I was transferred to Seterus. I found out when my attorney called to get the status of the modification. I never received a letter from XXXX notifying me of the servicing transfer. When I call Seterus they were extremely rude and I was told XXXX different things. The XXXX was that on XXXX I spoke XXXX and was told my trial modification payment was {$1000.00} when I asked how they came up with that amount I was told from my original loan application, because they had not received any documentation from XXXX. I explained that my financial situation is very different now, and I was instructed to complete a new financial package - which I have submitted. I was also told that after the trial payments the new modification payment would go back to at least the {$940.00}. XXXX. I also at this time requested a copy of the good bye letter from XXXX and as of today I still have not received. On XXXX I spoke with XXXX XXXX and explained that I could pay half the trial today and the other half by XXXX. XXXX took all of my financial information and then put me on hold. Then XXXX XXXX the manager ) came on the line and said he could n't take a partial payment. When I explained that the payment could be accepted XXXX XXXX XXXX he said he did n't care what XXXX rules where and that Seterus would not accept. He also informed me that the payment was due on XXXX not XXXX as stated in the in my paperwork and that they would not take my payment. Since I was not getting any where we ended the call. On XXXX I spoke with XXXX XXXX who told me that he could take my payment on XXXX for the full amount. XXXX also stated that after the modification was completed the payment would be similiar to the trial payment. Then he said that they waiting on my documents to continue the review, and I reminded him that they were already sent, and then he changed his story and said they had the documents. He also said that the best deal was {$1000.00} and they ca n't offer anything lower. How can they say that when I have n't been reviewed yet? I have lived in this home since XXXX and would like to retain it. I spoke with XXXX different representatives and each said something different. I need to understand what options are available and how I can retain the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Dovenmuehle Mortgage, Inc.
State: WI
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 wife and I were notified through XXXX, that DMI/XXXX XXXX XXXX  XXXX has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all XXXX and DMI records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
Discover card approved my application for credit. After mailing the credit card, they are saying that the application should have been denied due to the previous account being revoked. I made my payments on time for the previous account and Paid the account in full. The previous account was closed because of too many disputes. 
That 's what Discover told me. 
The payment verification team put a hold on my newly approved account and now, I have not even been able to use it since I opened it. 
I feel discriminated against and I am being denied credit when I am legally approved for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage has been sold 3 times in the last 5 years. I started with XXXX XXXX XXXX Back, then I was sold to XXXX in the middle of my modification. As of XXXX 2015 XXXX sold me to Seterus. I had to call to get my Welcome package, my monthly bills change and are never the same amount. I have been told my escrow account was short from {$300.00} to {$75.00} and the latest amount of XXXX I paid and it was posted to the principal instead of the escrow. They have misposted my payments on a regular basis. I have been threatened with foreclosure for being a month late which I was not. I have spoken to XXXX different people including XXXX XXXX a manager who was rude and no one can explain why I owe money that I have already paid? I was paying the modification amount of {$1100.00}, then it changed to {$1000.00} now they say I owe {$1000.00} which includes the {$140.00} escrow shortage I already paid. I need help this company is very crooked.

Company response to consumer: Closed with explanation