BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: GREAT LAKES
State: AZ
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:
I have an account from Great Lakes Higher Education on my XXXX credit report that shows in collections. When I call Great Lakes they tell me there is n record of any amount due and refer me to XXXX. When I call them they also do n't show that I owe any money. When I dispute this with XXXX they say information is correct. Complained with Ombudsman they say it is n't a private loan and told me to file a complaint with Consumer Finance. If I owe I am ready to pay. If account as been satisfied then would like the Great Lakes account updated to reflect paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}

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 2017-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Genesis Lending
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX Colleges, operating under the name XXXX XXXX, in XXXX XXXX, WV promised to enroll me into an XXXX program that did not exist. Their pitch was " complete the XXXX program and you will then move to the XXXX program. '' Midway through the XXXX program, I learned that no XXXX program existed for XXXX XXXX in West Virginia. I completed the program because I was too far in to turn back. I received a " Genesis '' loan that is now owned by University XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a current XXXX and also in the Military and work XXXX jobs and go to school XXXX I have had several issues pertaining to USAA Bank and paying my creditors accurately, they process the payment and then the creditor can find the payment. For example onwed eve XXXX XXXX a payment was made to XXXX with a confirmation number and they see the payment attempt and yet the money is still not posted to the XXXX account. Now my XXXX services are delinquent and suspended. 
USAA Bank also has for the past 3 months paid the XXXX and taken the money back as well as XXXX water for the past 3 months when their is Sufficient Monies in my bank account forcing me to accrue banking fees each time with USAA Bank and the creditors. 
When I call USAA Bank they cant find the money and accused me of using an old card that was cut up months ago moreover I can not speak to a Supervisor until XXXX hours later. 
This is very frustrating and would deeply appreciate your help in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
left message on phone with my name and that they where a collection agency - XXXX in a row. On a phone account I share with my daughter. There is no identifiers that the voicemail is mine. My daughter retrieved the message. 

If you are calling to collect a debt you are not suppose to leave info on a voicemail if there is no identifiers. In this case someone elses phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: First Data Corporation
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 was paid

Complaint:
I wrote a check to pay XXXX for service on a water heater. The check cleared. Later, I got a letter from TRS recovery services claiming the check was returned. I sent them a copy of my bank statement showing the check cleared and a copy of the check. They wrote back that I still owe money and included a statement the check was later refused with a message of " Refer to Maker ''. I believe someone submitted the check twice, the first time it cleared and the second time it was refused ( I never received notice from my bank or from XXXX that my check was refused ; only from TRS ). I believe the bank statement I sent TRS is sufficient to prove I paid the debt ( it covered both the period when my check cleared and when it was supposedly refused )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1. Equifax had until XXXX reported I had an XXXX XXXX cc account for XXXX years ( originally opened in XXXX until 41 years later I voluntarily closed it due to lack of use ). In XXXX Equifax dropped all reference to this account and lowered my score from XXXX to XXXX. XXXX and XXXX have had and do report this info correctly. Equifax should check their past records and correct this omission and adjust my credit score. 
2. Equifax also reported my XXXX XXXX XXXX cc as " lost, stolen ''. I phone XXXX XXXX XXXX on XXXX/XXXX/15 to voluntarily cancel cc because I do n't use it. It was never lost nor stolen. Equifax lists this as " derogatory information ''. They can verify the truth by contacting XXXX XXXX XXXX cc. This report statement should be corrected and deleted. XXXX made the same error but have corrected their report. 
3. These XXXX mistakes by Equifax have dropped my credit score from Excellent where I believe it should still be. They need to correct these XXXX major errors asap. 
4. Thank you in advance for assisting me as you have done in the past with credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I locked in a rate with Loan Depot on XXXX/XXXX/XXXX to refinance my mortgage on my property in XXXX, XXXX After 4 months of run around, they informed me that I needed to bring $ XXXX cash to closing so I can close on the new loan! Considering we started with minimal cash to close, they changed their mind 4 times and each time the cash to close went higher. 
It 's worthy to note that the consistent increase was not due to any new information I provided after the initial set of information they received, but after a long period of radio silence, when I was not getting responses to my emails or phone calls and messages, they told me that cash to close was increased because they had just noticed my Home Owner 's Association fee of {$120.00}! And for that they could n't close my loan unless I came in with $ XXXX in cash! Mind you, they had all this information from XXXX XXXX, but just realized it in XXXX XXXX, after they changed their interest rate and cash to close amount 3 other times, consistently going higher every time until it reached an amount that I had no choice but to drop the refinance. 
I was dodged around among XXXX people for the 4 months and each one of them gave me a different reason for their unjustified very very late decision. 

They wo n't even refund my appraisal fee so I can go pursue another refinance since I still need to change my mortgage from an interest only ARM to a 30 year fixed. 

I am totally shocked with the lack of professionalism and ethics of this financial company and the fact that they are out for your money at any cost. I will never do business with them! Hope you wo n't either!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.

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 2016-04-20
Company: First Data Corporation
State: NC
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:
First Data is reporting that I have an outstanding balance with their company for {$1800.00} to XXXX XXXX. A had inquired about a credit card reader for my store about this time last year. The account number listed on this account is XXXX. It is my contention that I have no outstanding balance with this company. First of all, the credit card equipment they delivered was never operational. Their service representatives could never get it working. Secondly, I never signed a contract with them. And finally, I have repeatedly requested for them to pick up their equipment, but they never do ( or provide instruction on how I can return it ). I would like them to delete this account from my credit report. I certainly should n't have to pay for something that never worked, nor for their negligence on re-acquiring their faulty equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Universal Credit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attached you will find a copy of the check written on XXXX/XXXX/15 to XXXX XXXX XXXX which also shows clearing my bank account on XXXX/XXXX/15 for {$250.00}. Why am I still receiving harassing letters ( see attached dated XXXX/XXXX/15 ) along with a statement ( see attached ) showing a past due of {$250.00}? 

Universal Credit Services continues to say my complaint is without merit. They are attempting to collect on a debt that was paid several months ago which I provided documentation for. This is harassment and my next contact will be through my attorney. Why are collection agencies such as Universal Credit Services allowed to continued this type of activity?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.

Company response to consumer: Closed
Consumer complaint received 2015-09-26
Company: First Data Corporation
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Dear CFPB Representative, Yesterday I went to write a check in my local supermarket ( XXXX ) and had Telecheck refuse to process the check from my personal XXXX XXXX XXXX. The acct. has been open for more than 12 years! Upon arriving home they stated that the checking acct. was new? So, they had to build a history on it. Once that was done I could proceed to use it in the same supermarket. It was declined again. On the FTC site it indicates this company has legal action against it for similar issues. The Telecheck personnel seems not to provide proper information for the check being declined. Denial record # XXXX. 
Check amount {$57.00}. Date XX/XX/2015. Ck # XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX. XXXX, MI. XXXX TEL # XXXX ID # XXXX I NEED SOMEONE TO INVESTIGATE THIS INCIDENT PLEASE-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I first applied online and it said I was approved but had to come in to the store for verification documents so I go to rabbit cash number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/2020 providing them with extra documentation requested from the manager they told me she had to wait for another manager to get the approval to disperse funds where XXXX I had already came into the facility with documentation and identity verification however the man Standing to the right of me left with the loan he applied for and didnt even have an ID card. I was there for over two hours and left with no loan she was Disrespectful rude making fun of my clothes and laughing at the fact I was there for over two hours and last but not least she was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BSI Financial Holdings, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage and it was transferred to BSI Financial. BSI has for 3 months failed to add in our payee escrow information for both our property tax and property insurance. We have been current with our payments and the company required an escrow account ( which has the necessary funds in it ). We have received no communication of escrow payee concerns nor do we have the ability to add the payees ourselves. I was just assessed interest on my property tax quarterly payment and it is unclear if my next quarterly payment will be paid via the escrow account or by myself. In order to avoid further penalties from my town, I had to pay the overdue notice from my checking account even though the necessary funds are in my escrow account. I emailed the company earlier today asking for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My father died back in XXXX. He has a brokerage acct. at HSBC with myself as the beneficiary. I have been trying for over a year now to get the bank change the title on the acct. And, I have gotten nowhere with them. I filled out all of the paperwork they said they need to make the change, but nothing yet. I should that this amount time to do something like this. And now, I ca n't even get the agent on the phone ; nor, have I received everything from about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts military clothing limit XXXX Take Home today limit approx XXXX Normal Credit Cart XXXX in went into collections in 2013 since then I have had my income tax garnished approx XXXX, my military pay garnished approx XXXX, I recently paid {$1000.00} dollars in XX/XX/XXXX, and will pay XXXX more this month. However the balance is XXXX dollars, my attempts to get them to explain how the number is so large i.e. where are my payments have not been successful. I was told I would have to wait for a letter 45 days to explain the payments I made and the debt I owe. It seems that the balanced should be much less than the current amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My ex an I bought a water system in XXXX from a company that went door to door in our neighborhood when we had our house built, which we didnt realize until later that there was no solicitation allowed. The company never even explained to us that it was at such a high interest rate. Just a couple years later in XXXX the XXXX XXXX water system broke down on us to only find out the company was no longer in service and we tried everything to track them down. We eventually went to castle credit to explain but they had no intention of helping us. After we realized how much we had already paid to castle credit and how much was owed due to interest we stopped paying them since they didnt care that the product they loaned broke down on us. The company castle credit is based in XXXX IL and have been harassing us ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Incomm Holdings Inc.
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.

Company response to consumer: Closed with explanation