BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Home Point Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Hurricane Laura causes significant damage to my home and it is unlivable XXXX Hurricane Delta causes additional water damage to my home XX/XX/XXXX - Repairs completed on my home can not get XXXX to pay even when supplemental claims and estimates were provided in a timely manner multiple times. I had to pay mostly out of pocket for $ XXXX in damages XX/XX/XXXX - hired a public adjuster who worked my claim and XXXX denied payment, filed suit through an attorney in XX/XX/XXXX XXXX settlement agreement reached with XXXX during mediation XXXX Homepoint Financial receives my settlement check and has held it ever since. They will not release my payment even though they Refinanced the house in XX/XX/XXXX and transferred the loan in XX/XX/XXXX to a new servicer with a greater value assessment than the previous year. I have never missed a single payment. I need my settlement money released to my attorney so that I can pay my XXXX and recuperate the out-of-pocket money I spent to rebuild without the assistance of XXXX for over two years. 
XX/XX/XXXX Attorney spoke with a supervisor in loss department and they still have not released any of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019 I sold my XXXX XXXX  it had bad engine problems I sold it as junk And I cancelled the insurance on it. XXXX still billed me after I cancelled it and harassing me about it. Why should I pay insurance on a car I sold, I cancelled the account in advance so I wouldnt have a payment on a car I didnt have anymore. The woman I spoke to on phone was very rude about it and refused to hear what I had to say to her when I called to dispute the charge on my credit report. I cancelled the insurance before I even sold it because the car was undrivable and smoked because of the transmission and engine problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and nobody else. On XX/XX/2021 I mailed a dispute letter to Equifax about multiple inaccuracies being reported on my credit report and Ive yet to hear back from them in regards to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Foursight Holding LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to dispute they would not removed the fraud inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX knowledge of account XXXX foursight capital XXXX -this inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX  fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
TD bank did not send me statements for a credit card. I do not use this card, not sure why there was a charge in XX/XX/2022. I never miss credit card payments. I receive all my bills through the XXXX  XXXX XXXX XXXX and website and it says I have a XXXX balance with TD bank every month. This error made my fico score drop by XXXX points. Please help correct this issue. A payment has been made and I locked this credit card so it will no longer be used. I understand that closing an account may have a negative effect on my credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I originally borrowed {$54000.00} for my education with the last of the student loans taken out in XXXX. I now owe {$390000.00} because of interest, and fees, and a massive consolidation charge tacked on to my loans in XXXX. The law states that student loan interest and fees must be reasonable. My situation is by no means reasonable, fair, or justifiable. By continuing to maintain this balance XXXX is breaking the law, and is in fact engaged in indentured servitude as this payoff amount versus my income ensures that I have no chance of paying this off before death. This amount also ensures that I can not save for my XXXX children 's education, I can not get credit for a home, transportation or again my children 's future education. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I contacted FedLoans Servicing this morning to deal with an issue of being locked out of my online account and was treated incredibly rudely by the representative. I use XXXX for my banking, and XXXX in the past has offered a service wherein it connected with FedLoans as a non-XXXX account to list my overall student loan debt on my banking page so that I could accurately view all assets and liabilities together. To accommodate this, I executed ( online ) a limited power of attorney giving XXXX access to my account. When I told the representative this, he told me that my authorizing XXXX to access this information constituted a security breach and that he should report me to the Department of Education, but that he was not going to in this particular instance. Whether the arrangement that FedLoans and XXXX worked out was proper or not, it certainly was not anything that my loan servicer should have blamed me for. When I finally was able to speak to another representative and supervisor, each proceeded to only tell me about the security issues and did not address my outstanding questions because I could not get a word in edgewise. They were demeaning and accusatory and were not helpful at all. When I was finally transferred to a supervisor at the end of the call, that supervisor was not receptive to my complaints with customer service. I wish that I could change loan servicers and am considering refinancing my loans through a private institution so as not to have to deal with FedLoans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Metro Area Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to call from XXXX phone numbers threatening that if I do not give information to their agent I will face legal repercussions. 

The debt this company claims to own is XXXX years old, and outside the statute of limitations for the state of Oregon. 

Yet this company continues to report the falsified debt which includes a contract that was forged and does not include all the parties responsible for the debt. 

This company is harassing me by phone and mail. furnishing fake contracts and fake amounts of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: VA
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:
Experian, XXXX and XXXX all used my information incorrectly

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 2015-11-10
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: National Enterprise Systems, Inc.
State: TX
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 had taken a student loan for XXXX XXXX XXXX of XXXX from XXXX XXXX. XXXX XXXX turned into XXXX. After years, XXXX finally let me settle my debt. I paid the settlement amount at the beginning of XXXX 2015 and XXXX has confirmed that my debt has been settled. 
Yesterday, XXXX XXXX 2015, I received XXXX letters from NES, National Enterprise Systems that says they are located in XXXX, Ohio. These letters claim that XXXX has transferred my debt to them for collection. 
Naturally, I called XXXX and made sure that my debt had been settled. It has been settled ... and whats more, XXXX has no record of sending my debt to a collection agency. 
I called NES and spoke to a representative XXXX. He asked only for my phone number to verify my information and then put me on hold to " access my accounts. '' Shortly after, they hung up. I called back XXXX times, each time the line was disconnected right when a representative picked up ... as if they were hanging up on me. I waited all day and then tried to call them again, calling both the customer service hotline and the line where you can pay your debt over the phone. The customer service line, again, hung up on me everytime. Funnily enough though, on the line where you can pay over the phone, they are happy to take payments through an automated system, but as soon as you ask for a representative, it hangs up. 
I do not owe these people anything. They are harassing me, Also, what they say I owe them is n't even the correct amount of what my debts used to be ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Upgrade, Inc.
State: LA
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:
I made a purchase with virtual card XXXX at XXXX and was issued a partial refund for {$100.00} on XX/XX/XXXX, it has been almost two weeks and I have not received it. I have repeatedly reached out to Upgrade and they were not helpful. I know XXXX did issue a refund so Upgrade for whatever reason did not send me refund back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: T.S. Holdings
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:
My lease was ended early by XXXX at XXXX XXXX in XXXX XXXX, Texas due to 9-10 raccoons being in the roof which caused the roof to sink in with XXXX and XXXX. I was getting physically sick and saw a doctor 3 times. I called the Department of Environmental Health myself as XXXX at XXXX XXXX was not taking my claims seriously. The Department of Health did write a report that I have attached that there was XXXX and XXXX stains in the roof and even declared that it was all over the property making it hazardous as you will see in the documents ( they attached pictures but it was too big for this file, please let me know if I can send another way ). I had never paid rent late with XXXX at XXXX XXXX, I always paid on the XXXX of the month, and even when I was laid off due to COVID, I still paid rent on time, as I have always paid rent on time everywhere I have lived. I paid up until the day my lease was ended by them, XX/XX/XXXX, which was XXXX weeks short of a year with them ; I even paid the utility bill after it was sent to me after I had already left. XXXX at XXXX XXXX ended my lease and told me they would find me a new unit, and kept pushing the date back, and it went on for over XXXX weeks, knowing that I was getting sick and I wasn't sleeping. I was very scared for my health as the raccoons were getting more active due to the weather getting cooler. I decided to move to another place, and had no more obligation to stay at XXXX at XXXX XXXX due to the lease ending for apartment XXXX. I made a payment of {$420.00} to honor the days I was there up until the lease ended. 

XXXX at XXXX XXXX sent the amount for a full month of rent plus charges to a collection agency, XXXX XXXX international. 

I spoke to a representative, XXXX XXXX, at IQ Data International on XX/XX/XXXX who tried to insult my intelligence and became aggressively angry with me on the phone, and threatened that I would not be able to move on with my life as he was shouting it at me. After our call I notice an additional charge was added. I believe he tampered with the amount due to his anger and unprofessionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I just emailed this after a second attempt to resolve a " late payment issue '' with USBank Credit Card from XXXX. Please contact me if the details are not clear. 

" I just had the worst experience of my life in dealing with a credit card company when I called to fix a misunderstanding on my account resulting in a late payment when I updated my autopay. I took precautions to not miss a payment, and somehow it missed anyway. When I called in the lady -- no, she was n't a lady -- the woman, who possessed low social intelligence, decided to take a condescending and accusing tone with me, blaming me for the problem rather than helping me resolve it. Therefore, I 'll be filing a complaint with REI, the BBB and with the Consumer Financial Protection Bureau as well as submitting erroneous claims disputes to the credit rating agencies. 

This late payment was an error that occurred due to a ridiculous system wait time XXXX MORE THAN 60 days?! ) for auto payment update, XXXX that I will argue is intentional to increase bank revenue streams by charging default interest rates. 

This has already resulted in a credit line decrease, which I want reinstated AND a late payment ding on my credit report, which I want corrected immediately. 

" XXXX bank ''? Ha ; that 's absurd. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Old information reappears or never goes away

Complaint:
I have contacted Equifax on XX/XX/XXXX and XXXX regarding the XXXX account which should have been removed from my account since XX/XX/XXXX. This account last activity was XX/XX/XXXX and closed due to the student loan being transferred to another loan serviced. I disputed the transaction based on age of account but they stated the account was verified and added a remark that payment scheduled updated. Upon speaking with a representative I was told they can not remove the account and to contact XXXX. I contacted XXXX and a representative verified that no information had been updated nor any payment information. I was also told that they do not have the capability to remove the account from Equifax, it has to be done by Equifax. I contacted Equifax on XXXX and was told that my account was updated again and therefore this transaction will stay on my account an additional 7 years from XX/XX/XXXX. This account is already over 10 years old and no information has changed according to the loan services. I have been hung up on by representatives and no 1 seems to understand that this closed account has aged off my credit report. The other bureaus have removed this account. I need help because Im not getting anywhere with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation