BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: EQUIFAX, 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 status incorrect

Complaint:
OnXX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX  XXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXXXXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on  numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Delinquent account

Complaint:
I have repeatedly set up my account for autopay, gotten confirmation that the account is properly set up, and then the payment does n't process. The website is clunky, and while customer service has generally been helpful, my account has now been closed. I 've submitted an official request for appeal, and received a letter that failed to directly respond to my request. Once again, my monthly autopay did not deduct, and this affects my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: Genuine Debt Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting calls about a payday that I supposedly took out online that has not been paid. I did not take this loan in XXXX. I 'll filed bankruptcy in XXXX. Any loans that I had at the time were under the bankruptcy and I have never had anything to do with pay day loans since. They called my job today showing a Delaware number. When you call the number back a recording says they do n't take calls. They left an XXXX number which I called and asked them to provide proof and documentation which they refused. I asked them not to call my job again and they called again this afternoon. They were threatening court action and some non check writing list. And when I would not work with them on the phone without receiving documentation, I was yelled at and then hung up on.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1 ; Justice Dept. fined Bank of America ( BOA ) XXXX " in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from BOA stating we were " approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the BOA XXXX letter : " a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, BOA sent us ( & the IRS ) a XXXX document stating : " cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This " cancellation of debt '' terminology resulted in our credit reports listing a " charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The " charge off '' term and " cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted BOA re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to BOA 's customer service telephone number as listed on letter sent to us, no one " knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told " effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from BOA & IRS, we will be penalized with interest and penalties commencing XXXX 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 monetary relief
Consumer complaint received 2016-07-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX i closed my Wells Fargo Bank checking account # XXXX, because of their poor customer service and they wanted to start charging me monthly fees. Before i closed it i complaint to their Corporate office about their poor customer service and the new monthly fees. When i closed my account the balance was {$000.00}, that 's why they closed it otherwise if there is a balance the account stays open. After six months when i tried to open a checking account with another Bank i could n't, because they reported me to XXXX that i have a unpaid balance. Still today i ca n't open a checking account with a Bank, because of Wells Fargo. Obviously their claim is Fraudulent and Malicious with purpose of revenge for my complaint. Wells Fargo is a Bank with Criminal record against millions of consumers during the " Real Estate Ponzi Scheme '' of 2008 and before. Since then continue to defraud consumers with new kind of fees and other Gimmicks. I am surprised that CFPB and the Government allow Criminal Banks like Wells Fargo to be in business today. It seems that in America Laws apply for " petty thieves '' not for " XXXX XXXX Criminals ''.

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 2017-03-30
Company: AES/PHEAA
State: IN
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:
Fedloan Servicing is the company servicing my consolidated student loan. I have monthly Direct Debit on my account, and have never missed any payments in over a decade. I am in the process of changing banks, and immediately following the account drafting in XX/XX/XXXX I went onto Fedloan Servicing 's website to change my Direct Debit information. At the time I set up the direct debit, it stated it would take several days to set up ; however, weeks later my direct debit did not draft. I logged into my account when Fedloan sent an email informing me I had missed a payment. 

As a result of Fedloan Servicing 's failure to timely establish the Direct Debit for this account, I now have a negative credit report for a missed student loan payment. My husband changed the Direct Debit for his student loans serviced by XXXX on the same day at the same time and had absolutely no issues with the timely changeover of banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: KS
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 took advantage of this agencies advise, and sent the attached letter to Navient, snail mail, this morning, along with copies of my paystubs etc. At the age of XXXX, I was pretty lost with no goals or direction as to what I would do with my life. Then someone suggested trade school. I have always been very creative/artistic and it sounded like quite the solution to my dilemma. I attended the " Missouri XXXX XXXX XXXX '' for their 6 month XXXX program. Which was paid for with a private student loan, recommended by the school, and co-signed by my parents who were anxious for me to find my way in life. We were all ( not the school ) extremely nave as to the predatory nature of these loans, and applied and signed off in good faith, thinking this was a legitimate student loan, with all of the benefits etc. Obviously, that is not the case, and after paying on this thing for 8 years, have not made a dent in the principal, and although circumstances change through the years, there is absolutely no flexibility with these institutions, no understanding, and great difficulty in even being allowed to speak to anyone with real information, or the power to assist in any way. I realize that unfortunately, this is a legal enterprise, but, I wanted to join the many voices begging for assistance, and crying out for help to get out from under this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi. I recently bought a cellphone and I keep getting this phonecalls from a company named Prestige about a debt on a Honda for someone named XXXX. I am not XXXX, I do not know anybody with that name and I do not own a Honda or any car at all! : ( This is what they say everey time they call : XXXX, we have made several attempts to contact you in order to secure payments on your Honda. I am not requesting money today however need a valid arrangement to prevent you loan from defaulting. Please call me back, XXXX. 
I am on the no call list for over XXXX months now. I keep telling them to remove me of the call list but they wont listen. 
I blocked the phones over and over again but they keep changing. Here are some of the numbers they have used. 
Please, help me! : ( they call every day! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: HANCOCK WHITNEY BANK
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Whitney banks failure to exercise ordinary care contributed to a customer 's loss, and there remain genuine issues of material fact as to Whitney 's compliance with its standard of care and what effect this had on forgeries that occurred with in the account. This case is one in which a bookkeeper 's malfeasance, and a bank 's incompetence, combined to deprive an elderly woman and her family of XXXX of dollars. Please see attached document of case at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Vital Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt in question was with XXXX. The dealership where we leased did agree to absorb the debt in lieu of leasing a new vehicle with the same company. We have explained this to the agency that is attempting to collect this debt and requested that they contact the dealership directly. They refused. They refuse to hear anything we are saying. It is not my job to make sure that the proper agency received the proper paperwork from a different agency altogether. I signed a contract with XXXX of XXXX and they agreed to handle this. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Bronstein & Weiss Arbitration
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
this is the copy of the voicemail left for me : This is the offices of XXXX calling with the litigations Department. I 'm serving legal notification and which are being implemented as a sole defendant regarding a case in our office. As a result of your non-compliance. We are conducting an in-depth investigation into your case as well as finances at this point it is the plaintiff intention-to and prosecute a protractor through the courts in full compensation along with punitive damages awarded by state statute. At this point I 'm legally notifying you a citation or has been filed as well as motion has been issued to execute the summons. Now prior to the attorney signing off on the documentation. I would like to speak with you. Reviewing the case affidavit information. I do believe this matter can be rectified on a voluntary basis out of court. However due to the severity of the violations. It is imperative that I speak with you. Litigations department phone number is XXXX or you can hit one to speak with the next available associate. Thank you. Bye.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: TN
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 graduated in XXXX XXXX with an initial student loan balance of $ XXXX. In XXXX XXXX I started paying my loans back through my servicer, Navient, on an XXXX payment plan. I was not notified by Navient that through this IBR plan that XXXX of my payments only went to interest and XXXX to the principal, and was also not notified that the 'capitalized interest ' during this timeframe of over $ 12XXXX was added to the principal balance of my loan. In XXXX of XXXX I put my loans in forbearance through Navient 's online system and was not adequately notified that accrued interest during forbearance would be added to the principal balance of my loan ( The only way I found out about this was due to an article I saw regarding the CFPB 's investigation of Navient ). My current loan balance is over $ 174XXXX - how is it possible that I have my loan balance is now XXXX high than it was when I started?! I want to fight this. There is no way I will ever get these paid down. These are not repayment options, these are money making schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: ALCHRO INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2014 I contacted XXXX XXXX credit bureau requesting that they open a dispute into the claims from this creditor and its representatives. This account, after investigation with assistance from the CFPB was subsequently deleted from XXXX but continues to report on my XXXX XXXX and XXXX files. I am requesting that XXXX XXXX credit bureaus please remove the entry/account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Regions charged my savings account a monthly fee after telling me there was no fees on a savings account. So then I choose to close the account and they charged me {$25.00} just to close my account. Never going back to Regions.

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 monetary relief
Consumer complaint received 2017-03-28
Company: Receivables Performance Management, LLC
State: NJ
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:
IM TRYING TO MAKE PAYMENTS FOR THE LAST TWO WEEKS BECAUSE I WAN NA FIX MY CREDIT BUT NO BODY ANSWER OR CALL ME BACK, WENT I TRY TO MAKE A PAYMENT THRU THE INTERNET THEY ASK ME FOR AN ID WICH I DONT HAVE THAT AND IM NOT ABLE TO MAKE THE PAYMENT OR DO A PAYMENT PLAN I WILL LIKE TO PAY THE DEBT OR MAKE A PAYMENT PLAN.

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 2016-10-17
Company: Vouch Financial Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I finished paying my loan in full over 3 months ago to vouch financial. After numerous calls I get no assistance and answers why the keep reporting this account as open. This is hursting my credit scare and credit worthiness. Furthermore, Vouch is in violation of the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Recently XXXX unauthorized withdrawals were made from my checking account that I have with Chase Bank. I have been contacting Chase daily to have my money returned to me but they will not give me my money back. The Chase case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Global Recovery Group
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received any kind of notice or any kind of communication for this debt, I have no idea what it is, it just popped up on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-08
Company: QC HOLDINGS INC
State: CA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

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 2017-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not help

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 2016-01-26
Company: Tucker Financing Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have purchased several buy here pay here cars. During the time that I was making payments in a timely manner this was not being report to the bur bureaus, I had XXXX cars repoed due to mechanical issues, I could not afford to make payments, insurance and repairs. when my car was repoed it was immediatley reported to the bureas as bad credit. My questioions is why snt the bureaus was the bureaues notified of my timely payments. This is very poory business pratice is this legal? 
I want a seetle for the hardship of incorrect reporting to the XXXX bureaus.

Company response to consumer: Untimely response