BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-01
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was told that there was a credit card that I owe {$2800.00} for on my XXXX credit report that is not mine. And theres an account number of XXXX I called Midland funding who has it in collection trying to collect for me and I told him it was fraudulent and they were asking me for a affidavit fraud affidavit to send them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/22 I received written notification that my account with Capital One is now own by XXXX XXXX XXXX XXXX XXXX for the amount of {$710.00}. I received an email from XXXX XXXX XXXX on XX/XX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Capital One and XXXX XXXX XXXX has violated my privacy. All three credit bureaus are already violated my privacy by reporting Capital One on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am a co- borrower of XXXX XXXX Options XXXX XXXX. XXXX  XXXX filed XXXX listed XXXX and Salle Mae . Received dicharge in XXXX they did not object, did not do a lift of stay to try to secure anytype of poayment, based on thier statement. they have not recoved any paymenrs from XXXX. Ordinarily unsecured loans ( such as private student loans ) are fully dischargeable in bankruptcy. Sallie Mae likes to use 3.Any other educational loan that is a qualified education loan, as defined in IRS Code 221 ( d ) ( 1 ). See 11 U.S.C. 523 ( 8 ) ( B ). 
I did not recieve any education benefit, I did not receive a 1098-E. 

Courts find that the second exception does not apply either. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See Homaidan v. Salle Mae , Inc., 3 F.4th 595 ( 2d. Cir. XXXX  ) ; In re McDaniel, 973 F.3d 1083 ( 10th Cir. XXXX  ) ( No normal speaker of English ... would say that student loans are obligations to repay funds received as an educational benefit ) ; In re Crocker, 941 F.3d 206, 209 ( 5th Cir. XXXX  ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. Such an interpretation is also inconsistent with the provisions legislative history.

The Bankruptcy Code determines whether a private student loan is a qualified educational loan based on a definition set out in the IRS Code to determine if student loan interest is deductible from income for federal tax purposes. That IRS definition of a qualified education loan requires the loan be used for qualified educational expenses by an eligible student attending an eligible educational institution. As a result, this requires a creditor bear the burden to show a private student loan meets ten conditions If the lender can prove that all ten conditions apply, then the loan is only dischargeable if the consumer can show undue hardship. But at the time of loan origination if any of the ten conditions do not apply, then the loan is dischargeable 5. The Course of Study Must Qualify : enrollment must be in a course of study leading to a degree or certificate. See 20 U.S.C. 1091 ( b ) ( 3 ). A short-term course not leading to a degree does not qualify.

At the time of the loan orignation the Major listed ( course of study ) on the Promisry notes staes OTH. for all three years. 

XXXX there is no rate type on this promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I have been having an issue with Experian in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Gatestone & Co. International Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company named Gatestone keeps calling me about some online loan that was taken out in my name. I already provided my fraud report and now they are calling my ex-husband whom i have not been married to for years. I called and was left on hold. Then a XXXX or XXXX XXXX came on the line. I told her Gatestone must " cease and desist '' she told me she can't do that and needs her supervisor. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and know the laws and my rights as a consumer. I was left on hold for XXXX minutes and finally hung up. They continue to call me and other people for me. I had a horrible thing happen to me with this fraud and have been dealing with it for months. This Gatestone company is violating the FDCPA, specifically my cease and desist demand. I have consulted XXXX XXXX and will be filing suit against Gatestone. I've never been in collections in my life and this company is violating my rights and i'm sure several other consumers. XXXX has issued a call for Class Action as i'm sure we will have no issues with other consumers coming forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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: Information belongs to someone else

Complaint:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/24. The checking account had an advertised {$300.00} opening bonus for opening the account and performing {$1000.00} in direct deposits. I have fulfilled the requirements but never received the bonus. I sent a message to the bank and still haven't received the {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-09
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with this company on XX/XX/XXXX, and was offered a 30-40 % interest loan for {$2500.00}. After agreeing and signing the contract, I was advised that I needed to verify my income through my bank. Netcredit said I would receive the funds in my account as soon as I completed the final bank verification. I attempted to do so on their site, but the process would not complete after two tries. Then it said I was locked out until the next day. I called and spoke to a representative who said that she would let the approval department know and they would contact me within a day or two at most. No one contacted me, and the following day, the entire site was " down for maintenance '' during business hours. I called and again a representative said not to worry, but she was unable to directly communicate with the approvals department and that they would contact me by email. I did receive an email directing me to the very same bank verification page, and it continued to hang up without completing the " last step '' before my loan was funded. 
I called and persisted in demanding a clear explanation of how to either immediately verify my banking info another way, or cancel the loan request. I stayed on the phone with the rep until I received an email reflecting my request to cancel the loan. I believe that had I not taken that step and insisted on canceling the loan, they would have drawn it out to the point where I would have had no option to cancel. The three reps I spoke to were all very vague about what was happening and why I could not get their verification process to work or be connected to someone in the department that handles the verification. I consider myself fortunate if I averted a loan with netcredit. Now I have a credit inquiry on my report for no good reason, and I hope that this company does not negatively impact me in any other way now that they have access to much of my personal information. 
Their website still indicates that I have an approved loan waiting on that verification page.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America refused to give me a loan modification.   Bank of America originally said that I could get a loan modification.   They kept demanding paper after paper after paper.   and asked for income tax many times.   All of this went on for months.   Finally, I got a letter that they refused to give me a loan modification.   Furthermore, they would never let me speak with any manager in the department.   I am having a very difficult time and it seems all they want is to redo my loan which would be {$3500.00} per month which I can not afford.   PLEASE, HELP ME!!! I AM IN A HARDSHIP SITUATION.   I NEED A LOAN MODIFICATION THAT THE BANK ORIGINALLY OFFERED AND THEN REFUSED SAYING THAT IT WAS N'T AVAILABLE.   THANK YOU.     I received a call this morning,  XXXX   XXXX , at approximately  XXXX   XXXX   Pacific Time  from  XXXX   XXXX . He said he was a Bank of Americ a Resolution Specialist an d he just kept repeating like an endless tape. He told me they are a debt collector and wanted to give me counseling telephone numbers which I told him I wasnt interested in. I asked him why he called and he said something to the affect about the loan modification ; basically that they cant guarantee the loan modification. He just kept repeating all the information to the point absurdity. This phone call was a waste of time ; he had nothing to tell me except that they couldnt guarantee a loan modification. I learned nothing new this phone was a total waste of my time. He said he will call back but he probably will have no new information and that will be more waste of time.

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 2016-02-22
Company: Maximum Title Loans, LLC
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took out a loan in XXXX 2014 for {$1000.00}. I paid on the loan monthly for XXXX or 14months. Due to health issues I did n't work for 5 weeks and could n't make a payment for the first time since the duration of the loan. I communicated this to Maximum Title Loans and that did n't matter. All I heard that there was no grace period and that the payment needed to be paid. I told MTL that I would make the payment the following month and it would be a double payment. Before that day came I would receive 9 calls a day on my cellphone at multiple of XXXX. With me being at hardship my cellphone was finally disconnected.At this point I would be receiving calls at work. I took a few calls at work and told them when I would be paying and not to call me at work because I could n't receive personal calls. That did n't matter because I kept getting calls and MTL was told by multiple co-workers and then to my supervisor. This was also done at multiple of XXXX 's once a day. They were told so much to stop calling my work that I got a write up and was suspended for 90 days without receiving a bonus check. This all happen within 30 days of me back to work from being off for a month with health issues. Once that happen I was very upset with the company and refused to pay on the loan. I was a customer that always paid them and did n't appreciate the way I was treated after defaulting on XXXX payment. With that being said I am now going to court against this company as they are trying to get a judgement for {$1500.00} which is {$500.00} more than the orginal loan. I also have paid approximately $ XXXX {$2000.00} on the loan and was down to $ XXXX on the loan before I defaulted. I know that I owe the company but my no means do I owe triple the amount that I borrowed from the company. I was a good customer and they were very unprofessional once I defaulted. After losing wages I was n't even thinking about paying MTL at this point. Would n't ever recommend them to anybody.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called today, XXXX XXXX to pay my mortgage to Ocwen Financial Corp. Because it is not past 30 days it would have been on time. I was informed by Ocwen that they could not accept my payment by phone, nor online and that I have to mail by certified check or money order for the next 6 months. They said because XXXX of my checks were returned to my bank ( but were paid ) that they had the right without notification and informing me ahead of time - to tell me, I have to send my payments for the next 6 months by certified check or money order. Because tomorrow is XXXX XXXX - Ocwen is going to mark me past 30 days for being late and send notice to the credit bureaus. If they accepted my payment today - I would not be late. I am very upset because I was not notified of " their/this policy ''. It is not fair and adds more hardship for the consumer. Ocwen is implementing an unfair consumer policy without notifying the consumer - and in this case, purposely tarnishing my credit score because they will not accept a payment from me today. This is inappropriate customer service and an unfair policy. I wonder if it is legal. I will seek a new mortgage company as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Credit Systems International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I received a call from a debt collection company. I was told I had outstanding debt with XXXX XXXX XXXX for a product called XXXX a product I never purchased. I asked the person that contacted what was the name and address on the bill they were calling about. I was told the bill was to XXXX XXXX at an address in XXXX, XXXX I told the agent I dont, and have never rented or owned an apartment or home in XXXX XXXX I live in XXXX The collection agency had the wrong XXXX XXXX. 

I was then told by the person on the phone that the collection agency would contact XXXX XXXX XXXX to investigate the situation. 

After receiving no followup from the debt collector, I contacted them to get a status on collection issue and was told it was resolved and no further action was required on my part. 

Since XX/XX/2021 I have received a negative delinquency mark on my credit report. This delinquency information, for a debt that is and never was mine, continues to be reported on a monthly basis by : Credit Systems Intl. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Will you please help to get Credit Systems Intl. to stop providing false information to the Credit Agencies as what they are doing is negatively affecting my credit score, which has always been excellent. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please 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 non-monetary relief
Consumer complaint received 2015-07-04
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been putting {$6600.00} in my escrow account annually which is a combination with my mortgage. My escrow has increased annually, but not the property taxes nor my house insurance. The property tax and my home insurance has came at an annual total of {$5400.00}, which is covered with my automatic deduction. I received an overage in the escrow only twice since I have own the home since XX/XX/2007 the mortgage company receives the same property tax and insurance statement as I do. I just need to know where is my annual overages payments, because nothing has rolled over to the following year. XXXX has transfer their mortgage account to XXXX different companies since I have own the house.I called OCWEN who is the current account holder and they told me they can only go back 12 months for analysis and they sent me a {$300.00} check after that call, but what about the other years of taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was purchased from GMAC by Ocwen in XXXX 2014. They are claiming that we have been late on our payments, have not had insurance, etc. We have proof from our bank showing payments being mad on time and proof from our insurance company that we have always had insurance through them without any lapse in service. We are asking for assistance in getting Ocwen to acknowledge our payments, stop sending us mail saying we owe them more money, and stop them from foreclosing on our house, as I know that is what they intend to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They have locked me out our closed account on their website, this was months ago, resetting password doesn't work, they never offered any covid 19 relief either, this account will charge off if this isn't corrected soon, I'm sick and tired issues with this bank. Issues like this aren't the first.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ), after initially approving me for a loan, reneged and refused to issue the loan. That may be well within their rights, however, they reported the loan on my TransUnion credit report has issued. Now I have an installment loan reporting which I never received due to the negligence of XXXX and TransUnion.

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 2022-04-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Since XX/XX/2022 I have had numerous fraudulent accounts open at TD Bank. I've called them multiple times and they say " they are looking into it ''. I continue to get new accounts sent to me that someone is opening fraudulently. I have documents of everything I have for TD Bank. I am annoyed that this continues to happen at the same bank. TD bank said it may take months for them to send a letter that this account is closed even though there are multiple fraudulent accounts. A few accounts also were then opened at XXXX bank as well around this same time. XXXX was able to send me a notice of account closure very quickly. I am still waiting on TD Bank to do this. I am attaching XXXX to show how quickly another company can handle it compared to TD.

Company response to consumer: Closed with non-monetary relief