BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-14
Company: State Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/2019 I recieved a phone call from the above mentioned business. I answered and asked them not to call me again. In XX/XX/XXXX or XX/XX/2019 I recieved another call, which is in direct violation of the FDCPA but in good faith to make payments on the account I set up a payment arrangement for the XX/XX/XXXX of the month for XXXX via my debit card. In XX/XX/2019 I advised i would not be able to make the payment due to a job change and that my new pay period lands on the XX/XX/XXXX and my payment arrangement would need to be adjusted. A XXXX payment was drafted from my account successfully on XXXX. On XXXX a XXXX payment was drafted from my debit account that I did not authorize. I called the company and spoke to a XXXX who told me the charge could not be reversed and would need permission from the client. Thus, over drafting my debit account. My bank has assessed and applied a XXXX overdraft fee for a transaction I did not authorize. XXXX told me it's noted in their system that I did call and change the date to the XX/XX/XXXX, it was just never done. She then proceeded to tell me if I didnt want to pay it that they can reccommed to have this sent to the credit bureaus thus, affected my credit and intimidating me to pay a debt that i've never recieved a verification of debt for. When I called on XX/XX/XXXX I spoke to an XXXX, I asked for a supervisor and was told no. The above mentioned company is engaged in unfair and abusive tactics and I request that they be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Franklin Credit Management Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Entered in a mortgage modification with Franklin Credit Management Corp in 2011, terms : " A '' .give them {$150000.00} which I gave them, " B ''. Make XXXX payment of XXXX a month for 6 months which I did, " C ''. I was to be giving a permanent modification once A and B were completed. Permanent modifications agreement terms. {$150000.00} mortgage over 40 years with monthly payment of {$930.00} a month, balloon payment end of 40 years of {$170000.00}. Pay my own real estate taxes and home owners Ins. ( no escrow ) They are still trying to foreclose and will not honor the agreement. They now have another mortgage servicer involved XXXX mortgage servicing, XXXX new York.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had no job due to being laid off, I tried to work out a payment arrangement and was told I still had to pay regular amount. My income tax was taken and incorrect information was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello- I am trying to remove the escrow account associated with my mortgage. I have contacted TD Bank, who services the loan and escrow, about this multiple times. I called customer service three times : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they asked me to submit a letter with e.g. account details and details about the request. The second and third times they said there was no record of having received a letter nor of the previous calls I made. 

I delivered the letter to them three different ways, all of which the customer service representative suggested. The first ( XX/XX/XXXX ), I gave the letter to a local branch. The second, I mailed via USPS. The third I emailed to them directly. 

I've received no communication back from them and don't know how to move forward with this. Any help would be very much appreciated. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-29
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In dealing with  Sallie Mae Student Loa ns, I have repeatedly tried to tell them that I could not make my $ 600+/month payment. I have asked repeatedly for options in the past and have asked the company disclose ALL relief options to me. Representatives were unwilling to disclose options to me because they " ca n't '' or claimed that paying the full past due amount was my " only option ''. It was n't until recently when my account became so past due to the point of nearly charging off that I was actually able to get some sort of disclosure for options but because they did not give me this information in a timely manner, I have a smaller window of time to even make a decision which is not fair on my end as a consumer. Also, this morning, I received a phone call at  XXXX  from  XXXX   XXXX   , a  representive fro m Sallie Mae a nd this is outside of the hours that a debt collector can call.     I 've also had bad experiences with  XXXX   XXXX  and the use of aggressive verbiage as an attempt to scare me. He was notified within the last week to not call on my account as I am working with another agent in another department, yet I am still receiving calls from him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received an email from American Express informing me that my card has been permanently closed for unknown reasons. The email, dated XX/XX/2020 stated that I violated section : 22D ( see email pasted below ). I have not used this card. The only thing that is auto payed through this card is my XXXX account. When I called AMEX the representative simply read my email back to me, but couldn't tell me what section : 22D was or how it was violated. Every single number I dialed for customer service dropped me off to a brainless automated system. I never got a live person to speak with the get some answers. If this is the way AMEX handles their business, I'm better off without them. I feel for the other unsuspecting fools out there that they are abusing. 

Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team Please reply back to my email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: RI
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 NEW & UPDATED INFORMATION ON XXXX AND EQUIFAX. I XXXX XXXX the consumer, have evidence that XXXX AND EQUIFAX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to EQUIFAX in response to ( complaint # XXXX ) & also sent correspondence to XXXX in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both XXXX AND EQUIFAX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. XXXX and EQUIFAX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, XXXX AND EQUIFAX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, XXXX AND EQUIFAX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement XXXX & EQUIFAX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. EQUIFAX and XXXX are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Avant Credit Corporation
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX of XXXX I applied and was approved for a loan from Avant ( via XXXX ) in the amount of {$13000.00} at an interest rate of 31.97 %. The monthly payments are {$480.00} with the total finance charge being {$10000.00} for total payments of {$23000.00}. Upon contracting for this loan I was advised that after one year I would be able to refinance the loan for a better interest rate, which is exactly what I had planned to do. 
In XXXX of XXXX, after one year of full and timely payments, I applied for refinancing and was declined. I was advised correspondence stating the reason for the decline would be sent forthwith, yet I never received one. I was also advised that I could " try again '' after 30 days. I continued to so, nearly every 30 days, and was always declined, with no correspondence as to why. My living situation has since changed plus I now have medical bills which require my attention for possible ongoing treatment. This time I pressed very hard for correspondence explaining the reason I was being declined. I conveyed to customer service that all I want is to re-fianance the remaining balance ( as of this date {$10000.00} ) for a more reasonable interest rate ( the rate I pay on my credit cards is 28 % as I do not have perfect credit ). The reasons stated for their decline sounded made up at best ( e.g. insufficient income ; limited credit experience, etc. ) When I asked for elaboration, they provided none. None of the factors they have stated are true and I responded as to why their reasoning was incorrect. If these factors they are stating are a reason to decline my request for a re-finance to the lower amount and lower interest rate, should n't they have declined the original loan? In addition, I have asked to have the due date changed from the first of each month to the middle of the month ( which is easier for me to handle financially ). Avant also declined that request ; however, I am allowed to move the due date month by month to a date being no later than the XXXX, but am charged additional daily interest for me to do so. Can the above experience be defined as some sort of usery? I fully intend to pay the loan, but was clearly under the impression that I would be able to re-finance said loan after a year as I made my full and timely payments. I feel I am being continually being declined ( due to ridiculous reasons that make no sense ) so that the company can continue to benefit from the outrageous interest they continue to charge. I can provide copies of said emails at your request, and a copy of the original contract, should you so desire ; however they are not attached to this complaint as they contain personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: Diversified Adjustment Service, Inc.
State: NY
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:
This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. 
I am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as 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 2015-12-03
Company: Franklin Credit Management Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: CT
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:
My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with XXXX, Experian and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report 3 years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.

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 2016-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
in XXXX XXXX I contacted 5th third to request information on my vehicle title which I never received. They informed me it was shipped in XXXX and returned, they advised they would resend it and I would receive it 3-10 business days. On XXXX/XXXX/XXXX I called again due to the fact no title has been received and they could not give me information. An hour later and transferred numerous times until we were told they do not have notes or show where we did the request as that is not something they take when a customer calls ... .are you kidding me? This is a banking institution, they should notate everything. We asked to be sent to a supervisor. After another 20 minute hold we were transferred to a supervisor by the name of XXXX. XXXX, is now stating they do not have any record of calls as they do not take notes in the Customer service department. they state they can not expedite the request unless it is the banks error ... THIS IS THE BANKS Error. I am now on hold again and it has been longer than an hour and I am furious. Per XXXX the supervisor they can not transfer us to the collateral department as they only get emails. I am in shock that this is how you all treat your customers and that a banking institution does not take notes. XXXX is suppose to call us in 24-48 hours with an update as to where our title is. 
Employee ID # XXXX, Phone # XXXX. I need my title, the car has been totaled almost killing my son and I am unable to get resolution on accident and recovery due to 5th thirds lack of customer service. Can you please contact us immediately on this, we need resolution. XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Funding LLC # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Financial Business and Consumer Solutions.
State: CA
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:
Original complaint filed XXXX/XXXX/XXXX - Case Number XXXX. Response from CFPB received XXXX/XXXX/XXXX with the Response : " FBCS has removed all this third parties information. There will be no more calls or letters to the individual. '' FBCS lied to the CFPB. On XXXX/XXXX/XXXX, I was alerted that FBCS placed a bad debt notice on my wife 's credit report despite the fact she is not the person who owes the debt. Her name is not the same, she has never been a XXXX XXXX customer. She has lived at the same address as me since XX/XX/XXXX, and XXXX XXXX has no service contract in our area, so neither of us could possibly owe XXXX any money. 
XXXX has been contacted to dispute the debt and the bogus name that FBCS falsely reported as being an alias. This company is lying every way it can to extort a payment we do not owe. Seriously, our credit report indicates every account we hold is paid in full every month and has been for years, covering tens of thousands of dollars. This is an extortion attempt over {$290.00}. This is a stupidly small amount and if either of us owed it, we 'd pay it outright ... BUT WE DO N'T AND WE WO N'T PAY IT. 
Not only does FBCS need to back away from their demand, they also need to clear the fraudulent alias they filed with Experian from my wife 's credit report. There is no " XXXX XXXX '' in this household, never has been, is not an alias my wife has ever used and FBCS 's claim otherwise is a lie. The company is doing damage to my wife 's actual good name and good standing, which is criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was called XXXX on XXXX XXXX and reported XXXX XXXX, 2016. I submitted my XXXX to American Education Services ( AES ) on XXXX XXXX for my Servicemember Civil Relief Act ( SCRA ) benefits. I received an e-letter from AES that they were unable to confirm your XXXX XXXX status using the Department of Defense 's SCRA Website. However, I had faxed my XXXX. I called AES on XXXX XXXX and the representative confirmed AES had my XXXX. I asked her to submit a manual review. On XXXX XXXX, I received another e-letter stating the previous. Subsequently my XXXX were extended and on XXXX XXXX, I submitted new orders. I called on XXXX XXXX to verify receipt of the XXXX and was advised AES would need an additional 7-10 business days. I complained that they already had the first set and that these XXXX were no different, except extending my military time. I explained I needed the XXXX to be processed and the benefits applied, so I could request a forbearance before the next payment date. He could not explain why my benefits had n't yet been applied and that he could n't do anything to assist me. I asked for a supervisor and after 5-7 min on hold he came back and said there was no available supervisor to assist me. It should not be this difficult to receive my SCRA benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Complaint : XXXX XXXX XXXX XXXX XXXX Credit denied/No reason informed Appeal filed/No answer - XXXX Personal Credit Score : Mid 700 Personal Credit Score affected by denial No reason for denial of credit Reason may be discrimination by reason of age

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