BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-19
Company: CMRE Financial Services, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Gentlemen, I never requested a credit card from Bank of America. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Bank of America with my information - all correct, but my home phone is wrong. I never had this number.

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 2016-08-09
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I sent money to my fiancee in XXXX. On that day I paid using my XXXX XXXX XXXX debit card. The western Union tracking number is XXXX. The entire of {$320.00} was immediately debited from my account. About two weeks thereafter, Western Union debited the same exact amount from my XXXX account on XXXX XXXX, 2016. I discovered the unlawful debit from my account on XXXX XXXX, 2016. I immediately called Western Union and was advised that the money would be returned to me immediately. Since that time I have placed at lease three calls to Western Union and have not received my money. So effectively Western Union stole my money and while they continue to acknowledge the theft they can choose to return it when they feel like it. Today is XXXX XXXX, 2016 and I still do not have my money. They can not tell me when I will receive it. They should be punished they have offered me a free transfer for the next service. I have no confidence in them. I gave them over a week to take care of this problem yet it remains unresolved. I would like Westernh Union to be punished for this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: LendUp Loans LLC
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Re : Your Application for LendUp 's Credit ServicesWe 're sorry. We can not approve you for credit services at this time. Please understand that asa XXXX Business XXXX XXXX XXXX, we provide as part of our credit services a guaranty on behalfof consumers for whom we arrange loans with third-party lenders. We therefore assess yourability to repay the loan you desire in determining whether to provide our credit services. 
While we are working hard to find a solution for every consumer, we regret to inform you thatwe are unable to offer you credit services at this time. 
Your application was processed by a credit scoring system that assigns a numerical value tothe various items of information we consider in evaluating an application. These numericalvalues are based upon the results of analyses of repayment histories of large numbers ofcustomers. 
The information you provided in your application did not score a sufficient number of points forapproval of the application. The reasons you did not score well compared with other applicantsmight include : Unable to verify the supplied bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, Inc.
State: NC
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:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was taken to court by a law firm representing XXXX XXXX credit card Patenaube and Fe! ix. They switched my court date three times and I was there every time but on the third time the baliff said they won a XXXX judgement on a card with a XXXX limit. I did not hear from them again for about six years. They never communicated with us on settling this debt. Then last week they levied my savings, my cd and our safe deposit box. The savings was Social security money from a savings account that was attached to a checking account which was only receiving social security XXXX. My wife who was not involved from this debt was also not able to access our safe deposit box. Bank XXXX XXXX charged XXXX to seize our savings which was for home taxes savings.. Then this law firm told us they needed a payment of XXXX overnight. We went tour bank to do this only to find out they had already seized the cd and our savings would given them quite a large over payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX XXXX XXXX to Bay View Loans. Shortly after, Bay View Loans reduced my loan payments. In XXXX they XXXX my mortgage payments saying my escrow account was low. I have owned my property since XXXX. I have always had a fixed rate loan and incorporated my tax and insurance into my payments, for this very reason! I am not in a financial position to handle such a dramatic fluctuation in my expenses. They claim to have under estimated my hazard insurance by about {$3500.00}. However, I have been with XXXX since XXXX and my hazard insurance only increased by {$29.00} this year! I am unable to pay this new amount and am in danger of losing my house! I believe my account was mishandled intentionally and I should not be held responsible for their mismanagement of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: WOLFE FINANCIAL, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
THERE IS A HARD INQUIRE ON MY CREDIT REPORTS THAT I DIDNT GIVE CONSENT FOR THE CREDITOR TO RUN MY CREDIT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: D&A Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against D & A Services for D & A 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, D & A Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've been a customer with citizens for years I manage my account very well I have a high credit score. I logged in and saw past 7 weeks I been charged XXXX $ in fees but I ca n't figure out how and why. My math and log ins were spot on I did n't miss anything. I went into the bank called XXXX supervisors and they said I 'm lucky they gave me XXXX $ back which was XXXX of the XXXX charges I concurred. Yet NO ONE CAN PIN POINT EXACTLY WHY THIS HAPPENED!!! I 'm sickened by this as I DID NOT make a mathematical error or forget to log in XXXX They said " we have next day funds available '' but then said maybe it because checks did n't clear but no one can tell me what checks did n't clear and when!!! I 'm looking for proof of what happened precisely and hitting blank stares and I dunno how to help u more. I feel I 'm being toyed with and need help this is robbery and a scam of the banks! They used to send letters but said now they do n't u have to look online so thy make it even easier for any mistakes to happen! This is not protecting ur money or interests it 's preying upon the weak or busy or unknowledgable and making them confused so they give in to this XXXX dollar scam! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SLM CORPORATION
State: PA
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 recently saw that the federal government has filed a lawsuit against Sallie Mae and was directed to file a complaint against them on this site. I have had nothing but issues with Sallie Mae since I applied for a loan prior to starting college in XXXX. I believe that they had me borrow more money than I ever needed to from the start and since I graduated in XXXX I have struggled tremendously with repaying them. I have had issues finding a job in any field despite having a XXXX and my payments to them are making it nearly impossible to repay them. I contacted their customer service this past summer to attempt to sign-up for an income-based repayment plan and was treated rudely by their customer service and was told that they do n't have such a plan. Later, I found out that they do and ended up defaulting on a few payments until it all got sorted out. I am tired of dealing with this company and, alongside millions of other recent graduates, would like to see them have to deal with how they have treated their borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I received a phone call telling me that a Western Union transfer I had made in XXXX 2013 had not been collected and requesting personal information for ID verification to initiate a refund. I refused to give any personal information and contacted Western Union via their web site to see if this was genuine or a scam. Western Union confirmed it was genuine and said a refund would be made within XXXX hours. 
After XXXX online chat sessions and XXXX written communications over a XXXX week period each XXXX promising a resolution in between XXXX hours and XXXX week, I have still not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
After I denied the medical bill to the collection agency ( Med-1 Solutions XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. His collection agent informed me that they could get a judgment without me being notified or without me being in court. After several attempts to have my day in court to present the same documents that I presented to the collection agency and the same documents that I presented to XXXX XXXX Hospital disputing the charge is the same documents that I wanted to present to the courts. 

However, it is very clear that the Collection agency have taken legal action without my knowledge. I was not notified of a court date by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: SLM CORPORATION
State: AL
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 am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was trying to get credit for my new business & was denied due to a public record.. wrongfully on my credit profile ... I reach out to credit bureau asking for it to be remove ... explaining how its affecting me. I reach out to the court house explaining its not accurate. The court clerk responded an said they dont report to credit bureaus and also sent me a letter stating the facts ... I reach out to the credit bureaus once again only to be in the same situation not able to start my business due to inaccurate reporting on my credit file ... thanks Im asking for help about this matter. 
Thanks in advance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Riverwalk Financial Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-13
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX, XXXX, XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX, XXXX, XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX, XXXX, XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: SLM CORPORATION
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 have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: SLM CORPORATION
State: AL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get at four calls a day from them. Last week I got a call one minute before they closed with a recorded message for me to call. When I did, they were closed. They call on the weekends, but are only open during the week, so I can not return their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Coastal Settlement Recovery Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company keeps calling me about a personal debt on a work cell phone that doesnt belong to me. I have no idea what the debt is as I constantly ask them to contact me in writing before we get into the debt. Today after receiving another call from these people, and trying to explain yet again, the rep XXXX became abusive and belligerent at the end of the call. This needs to stop. Harassing people this way is unacceptable.

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 2017-03-29
Company: Riverwalk Financial Corporation
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A collection was placed on my Transunion credit report on XX/XX/2017. It is set to be removed XX/XX/2017, which is odd. I have received no notification from the creditor. I do n't know anything about this debt - whether it is mine, if it 's outside the statute of limitations for reporting, etc.

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