BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was a regular customer at California Check Cashing when they offered me a Line of Credit through LEVLPAY, product of XXXX XXXX. The staff were asked various times to explain the process and they purposefully mislead me over and over with doublespeak. For a line of credit for {$500.00}, I was assured I would be paying a {$50.00} fee. What California Check Cashing DID NOT disclose is that they would need to print a check in order for me to receive the proceeds from the loan. After I agreed to get it because I was needed immediate cash, THEN they told me it was an Out of State Check that they would have to charge me {$25.00} to cash, SCAMMING me out of additional funds they had not disclosed while marketing this product to me. I press they have done this to other poor people and surely this is PREDATORY. I just had my account debited for a portion of my outstanding loan XXXX couldnt pay because of their deception. I want both XXXX and California Check Cashing held accountable for working together to defraud people who are already struggling financially. It is wrong and they need to be stopped. Why would two California companies issue a check from a bank in another state and not disclose until after your check is printed? THEY ARE BOTH PREDATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX is reporting a credit card as charged off for {$950.00}. Then they are reporting a balance of {$620.00}. The company has a due date if the XXXX of every month. If this account was charged off, the company would not ask for a payment due on the XXXX of every month and if the balace is going down every month, it should not have an amount of {$950.00} charged off. This account is reporting 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 2015-07-15
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had a Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. Genesis lending has now sold my loan to 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 2016-07-08
Company: Home Point Financial Corporation
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was denied a refinance even though the VA explained to the lender that I qualified under intermittent occupancy based on my job being overseas. I was charged {$520.00} for an appraisal and had my credit report run while being assured by the VA and pre-approved by the lender that my loan was standard and fell well within guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I have sent several letters to the credit bureaus for them to investigate the following accounts for accuracy and validity on the following dates below : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX Bank XXXX 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 2021-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased the car in XX/XX/2020 first payment due in XXXX of 2020 However i never received any paperwork with an account number any way to make payment no statement book no monthly statement. I called several times and they could not find my account due to a clerical error in the social security number. I was finally able to get through to resolve the problem in XXXX after calling both the local offices in which they could not do anything as they could not do anything with car loans and the customer service number could not the account. The agent i spoke with in XXXX advise he would waive the XXXX late fees plural fees from my account due to not getting statements and not able to resolve this issue prior. The second late fee which was from XXXX was not waive. Now the company is saying they will not waive it even though their agent advise they would. I have spent many hours trying to resolve this and kinda feel now im owed more than the XXXX late fee to be waives as I make XXXX an hour and have spent hours in trying to get this back on track i pay every month and i pay more than what the amount is due. This fee resurfaces on my XXXX bill increasing my amount due. As i full understand it is just XXXX but for me it is principle of the matter that the agent advise they would waive the fees. I work for a bank and we would waive the fee due to our agent providing misleading information to the cardholder or customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
NACA rep XXXXXXXX XXXX called me twice at XXXX XXXX within the last 10 days The first time she promised not to do it again. 
I spoke with her supervisor  and recorded the call with her permission Supervisor  XXXX XXXX said XXXX calling me repeatedly at XXXX is not harrassment This also occurred a year ago when I was past due a d I sent multiple request then for the early calls to stop.

Naca reps confuse to harass me for no reason. I am not past due and no one could find a reason for why XXXX called me today

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have spoken with Procollect and asked them to verify the debt they refused & told me to send them what evidence I had to verify the debt being false. I in return sent a certified mail Debt Verification Letter to the Company ( back in XXXX ) and never received a response which was to be expecting considering the debt they are attempting to collect isn't mine, The Original Debt refuses to send an proof of debt & is no longer in business & all prior management/staff no longer are employed there. So after months & months of being harassed, fraudulent charges and documents forged, monetary amounts unverifiable requested proof & after no response with my Debt Verification Letter this needs to be removed from my credit immediately im the one being hurt and disrespected continuously and consequences need to be brought upon the party involved. This is unacceptable and the business practices of these two companies is illegal and no one should have to be put through this disgusting type of harassment & outlandish accusations.

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 2021-11-23
Company: Securus J Holdings, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This had to do with JPay they provide inmates a tablet that allows them to communicate with family, send money watch movies play games and listen to music. They charge you fees in top if that. In they state of New York they tell you this tablet is complementary. I have paid up to XXXX in media alone. The tablets are like the lowest grade of tablet you can find. I have been trying since XXXX to have his tablet replaced. Of course he is an inmate and they transfer him. But it does not take 4 months to get a replacement. I tried to explain to them. There is nothing free with a XXXX dollar tablet. The girls response was well he can always access all his music when he comes home. That would be in XXXX years, not only that the point is to be able to use it now why would he watch them on his tablet when he comes home. We have paid for a service they have not provided. And not only that they never allow you to speak to any one that had a direct answer all they say is it's a process. Four months in. This had to be the worst company. I can not find any information in them and they are just takeing peoples money and acting like it's the states fault. Can some one please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: PA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried repeatedly to resolve this issue with Navient 's customer service and they have been extremely unhelpful. I refinanced my student loans and on XX/XX/2018, XXXX XXXX XXXX sent Navient a payoff on my behalf in the amount {$45000.00}. This payment cleared their bank onXX/XX/2018but still has not posted to my account. I contacted Navient several times by phone and was told to " just wait '' until the payment posted. Finally, on XX/XX/XXXX, I was told Navient would need proof of payment before they would begin a check research. I contacted XXXX XXXX XXXX who was gracious enough do a conference call with myself and a Navient representative ( because Navient would not speak with them without me on the line ) and XXXX was given a fax number to send in the proof of payment. I also uploaded this proof of payment onto my Navient online account on XX/XX/XXXX and was told the research would be completed by the end of the month. I have called several times since then to check the status of my research request and no update can be provided. My student loans are now showing past due and I should not have to pay more money when my account with Navient should have been paid off a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Genesis Credit Management, LLC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Genesis Credit Management continues to call me regarding a debt that I have disputed and do not owe. I have sent them certified letters disputing the debt and subsequent letters telling them to stop contacting me. They continue to call after XXXX and at times as early as XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a response from Selene regarding the CFPB XXXXase numberXXXXAccount # XXXX. Property addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 
I spoke to XXXX XXXX XXXX  # XXXX to XXXX on XX/XX/XXXX, I was told that I could stay in forbearance until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX, and he stated forbearance ended the end of XX/XX/XXXX. 
On XX/XX/XXXX, XXXX stated forbearance ended XXXX XXXX. 
OnXXXX I sent emails, about starting payment and discussed the deferment option for payment of forbearance monies. 
As Selene stated, they believed erroneously that forbearance ended the end of XXXX, and have put a scenario around that saying I did not make payment in XXXX. I can start making payment to Selene now and do the deferment plan in which the forbearance balance can be put to the end of the loan. 
I am asking that they correct their records to reflect the above documentation, and we can go on from there with a monthly payment of {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was reviewing my consumer report and I noticed collection activity from Americollect Inc expressing that I owed a alleged debt of {$350.00}. Believing that this debt was paid in full, I then sent a debt validation to them. On XX/XX/XXXX, I received an letter with an itemized statement that had information from the hospital about myself that I didnt even know. These medical records are a direct violation of HIPPA regulations. I have never signed a HIPPA form authorizing Americollect to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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:
Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and Equifax are violating my rights and the law by reporting a medical bill under my social security credit device without the proper authorization to do so. I requested a copy of the HIPPA release form that authorize XXXX XXXX XXXX XXXX access to my medical file on XXXX but got no reply therefore, my demands were not met, and they continue to report this account # XXXX under my social security credit device ending in XXXX. 
Furthermore, this account is not mine because I have never been to the XXXX XXXX XXXX. I have called them and furnished my personal information and they had no records of me visiting or utilizing services from the facility. 
This is the XXXX XXXX XXXX XXXX reply : " The account in question was turned over for collections XX/XX/XXXX. We received a written dispute XX/XX/XXXX stating identity theft at which time XXXX XXXX supplied us with her driver 's license. We investigated with the creditor who verified the debt and had a copy of XXXX XXXX 's driver 's license which matched. The account was marked a disputed. We will also now send XXXX XXXX verification supplied by the creditor '' ( Please Note that for the second time I have requested verification from the above-mentioned and they have not furnished me that the requested document. yet, the item remains on my Equifax and XXXX credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CarMax, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent a dispute to XXXX, XXXX and XXXX about XXXX autoloan account that were open as a result of identity theft. This account is XXXX XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$XXXX} ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. XXXX, XXXX and XXXX didn't answer my dispute. 

Around XXXX XXXX I had lost my wallet which contained my ID and a little note that contained some of my passwords and my SSN number. I didn't lose my SSN card but my XXXX digit number was on the note that I had in my wallet. Sometime after, there were several transaction on my card such as food delivery and other expenses. About XXXX months later I found out my identity was used to purchase a car from XXXX after checking my credit karma account. When I spoke with XXXX, they said that a cosigner was attached to the account and the name was XXXX XXXX. I believe he was the person responsible for all this. I have reported this all to the police since then and I have been trying to let the bureaus know of this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. 
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. 
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. 
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. 
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.

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