BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AL
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:
XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, XXXX, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell Equifax it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a truck driver and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BB&T CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a home improvement loan with this company since XXXX XXXX, 2015 and this is a interest free loan for 18 months. This was approved by XXXX XXXX. 
I am suppose to pay BB & T {$250.00} per month for 18 months. 
This amount is suppose to be applied to my principal. After 18 months I pay the remaining balance. 
I have been paying {$250.00} for the last one year. BB & T has been sending me statements stating that only {$9.00} go towards the principal and the rest {$190.00} goes towards the interest. 
I have contacted the company in reference to this issue many times and they state that they can not do anything. 
This is the way the statements are printed. 
On XXXX XXXX I spoke with the manager ( XXXX XXXX ) and she promised that she will investigate it and call me back. It has been a month and I have not received any response yet. 
I had notified the sales rep from the contracting company ( XXXX XXXX ) who had offered me financing through BB & T home improvement. 
I had notified the accounts payable manager and told her that the consumer should have a clear statement of what the client has paid and what they owe at the end of the term. 
This is unacceptable. 
The contractor was notified that they should not use this company anymore in order to sell their product.

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 2018-05-30
Company: JPL Recovery Solutions
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today XX/XX/XXXX XXXX XXXX from JPL Recovery Solutions, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
PREVIOUSLY DISPUTED AN ACCOUNT THAT I NOTICED WAS ON MY PROFILE WHEN I REVIEWED MY CREDIT REPORT, DISPUTED THE ACCOUNT 2 TIMES AND NO INVESTIGATION OR RESULTS ABOUT THE DISPUTE WERE RECEIVED AND THE ACCOUNT I'VE DISPUTED WAS PLACED ON MY CREDIT PROFILE IN CONNECTION WITH IDENTITY THEFT, AND HAS REALLY AFFECTED MY SCORE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I thought I was on a deferred payment plan for these accounts. I have been working very hard to fix my credit, and all of a sudden I get reported as 60 days late and 90 days late. My primary issue is that I have been, as has most of America, affected by the COVID 19 pandemic. I thought all student loans were in an automatic deferment. I am in disbelief that AES would do this to me, especially now. I have called and begged them to help, but they have told me that they can not help me. They are reporting the data, what do they mean they can't help me? Please help me, they are destroying my credit, during a crisis, this can not be fair! 

Sixty days late in XX/XX/2020 and 90 days late in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Us bank Reliacard has had my funds on lock for 10 days now absolutely no information from customer service employees

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 2022-09-14
Company: Convergent Resources, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX I owe {$520.00} for a canceled contract on XX/XX/XXXX. The contract was canceled because XXXX could not receive a signal for their services at my location. I had a technician try multiple times to resolve the issue. When he couldnt, because of my location, he said there was nothing he could do and I should cancel my contract. I have sent multiple letters to XXXX and 3 other debt collection agencies represented by XXXX disputing the debt. Each time I contact a debt collector they say XXXX recalled the debt and I need to contact XXXX. The last debt collection agency I contacted was Convergent, I spoke with XXXX XXXX. The last person at XXXX I talked to was XXXX ( employee number XXXX ). She is XXXX XXXX Senior Account XXXX. I disputed the debt with both XXXX and XXXX on the telephone on XX/XX/XXXX because both said they had not received a letter stating I disputed the debtXXXX XXXX is saying I did not give them enough time to resolve the issue but the technician was not putting all the information about appointments on file. I sent all hardware I obtained back to 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 2016-03-20
Company: Penn Credit Corporation
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated phones calls from XXXX ( Penn Credit, according to internet search ) about unknown person. Nobody at our number ( XXXX ) has any debt and we are on the Do Not Call List. The robo-call leaves a message to call XXXX about XXXX (? ) XXXX (? ) a name we have no knowledge of. The company calls late at night, early in the morning and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Time Investment Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
we are in the midst 0f the most horriffic times, COVID19, I have lost my job indefinate. I have asked for deferrment or forebearence, they are not receptive Aand seeem as if it is my fault for no Job, seems as if I recall an order being signed STAY HOME SOCIAL DISTANCING. I do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumers especially the high risk and elderly do not and have said Not to enter our home, when you subcontract off a contractor, you dont have a choice.

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 2020-04-09
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent a letter to the Schrieber Law, LLC requesting that they cease and desist in contacting me regarding any and all matters pertaining to the alleged XXXX debt. They are not my original creditor and I have no desire to work with them. I am dealing with more than my fair share of financial strife right now due to COVID 19 and do not need the added stress from Schreiber Law, LLC as well. I am letting the CFPB know what is going on because I want a record of this issue on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX I called Citizens Bank in XXXX, MA to ask them how I can close our my checking account no. XXXX. XXXX XXXX XXXX told me I had to have a zero balance in order to do that. He said there was a balance of {$58.00} and to write a check for that amount to clear the account which I did check no. XXXX for {$58.00}. On XXXX/XXXX/XXXX I get an overdraft fee for {$5.00}. I called the bank and he said not to worry about it. I then get a statement saying that on XXXX/XXXX/XXXX I was charged a late payment of {$20.00} and interest charges of {$19.00}. My Husband called the number on the statement XXXX and they said that we owe them {$1000.00}. They said we were given an overdraft line of credit and we owe it to them. We were never aware of this and they take {$20.00} per month from our account for overdraft charges and if it is overdrafted they charge us another {$30.00} on top of that. We never took a loan with them and they have always taken the overdraft charges right out of our checking account along with their maintenance fees. This have been since the year XXXX. They have already been paid the overdraft charges right from our checking account. We just want the account closed and for them to stop charging us interest and overdraft fees for an account we closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Back in XXXX, I sent a complaint to your company in regards to the loan from Capital one auto, the only thing I received from them was a letter from the company president belittling me and saying that I had not paid them and the loan was past due. Well, I reviewed the account where payments have been paid, but have not posted and they will be listed below. I do have copies of my statements, but I will list the payments below. XX/XX/XXXX there was a payment made {$360.00}, this would have been for XXXX. Then again on XXXX {$100.00}, XX/XX/XXXX for {$140.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for, {$280.00}, XX/XX/XXXX for {$180.00}, I called in XXXX and was said the account was current, XX/XX/XXXX {$360.00}, and payment of {$310.00}, which they still say is past due and it is not showing as posting with them. The last payment they have is for XXXX. I've called and no one can tell me why they don't see the payments or where they have been, meanwhile they are reporting to the credit bureaus that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.

Company response to consumer: Closed
Consumer complaint received 2015-11-21
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus Inc services my mortgage which is owned by XXXX. Over the last 7 months Seterus has initiated an escrow account in which they have tried to place flood insurance on my home even though my home is not in a flood zone. They have attempted to charge me for future property tax payments ... ..even though I pay my own taxes. After much haggling and extensive damage to my credit report ( Seterus absolutely crushed my credit rating because of my refusal to pay escrow ) I managed to get Seterus to take away out the flood insurance and taxes off my escrow account. Now they have decided to start a forced placed hazard insurance policy with their " partner '' and keep the escrow account live. I have no explanation as to why they just decided to impose a hazard policy. Lived in my home close to ten years and never was required to have one. After investigating complaints of a similar nature it turns out this is a common practice among mortgage servicers. They receive kickbacks from insurance companies and charge higher premiums on these forced policies. Seterus has managed to take away my ability to refinance to a local bank because of the damage they have done to my credit rating during by imposing their frivolous and un substantiated charges tacked on to my mortgage. They are currently the target of numerous class action law suits along with other mortgage and insurance companies because of these practices. I would much rather resolve this before taking legal action and any help you folks could provide would be great!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Adler Wallach & Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
AWA Collections, of XXXX, has acquired a debt of {$640.00}, plus {$32.00} in interest, from XXXX XXXX. This is a debt XXXX alleges I owe after renting a car last XXXX in XXXX. 
I attempted repeatedly to inform XXXX, and then AWA Collections, that I have already paid part of the fee and the rest is being charged in error due to mistakes by XXXX. Specifically, the company shows me renting a car different than the XXXX I actually rented and returning it three days later than I actually returned it. I provided documentation showing both errors by XXXX, but to no avail. AWA Collections was similarly disinterested in the truth when contacted by mail. 
I have already rightly been charged, and paid, {$380.00} for the car rental. I should not have to pay the remaining debt charge of {$260.00}, much less the combined amount ( plus interest ) that AWA Collections is seeking. 
I appreciate any assistance the Bureau of Consumer Finance can provide, and am glad to submit supporting documentation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX apple card ( mastercard ) offered to allow customers to skip XXXX payment if the enrolled in customer assistance program, I enrolled and got a message a few days later that said I made a offline payment to them, upon further investigation I discovered they took my entire cash rewards balance. I immediately contacted customer service and complained and received an email acknowledging I was enrolled In customer assistance program and they returned the money from my cash rewards, yesterday while closing the card they told me my cash awards account balance was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Convergent Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit XXXX XXXXXXXX and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

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 2019-12-03
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CitiBank called my mothers home number instead of contacting me. I have never given them my mothers number. This happened on XX/XX/2019.

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 2020-04-09
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
1-Questions are poorly worded. I.e., what does associated with mean if it 's about an old address. Does that mean currently, in the past, or could be listed in my file? 
2-Tell me why i failed your impossible questions so that i can learn from my supposed errors. Can you people remember what you did 10 years ago when the bank name changed five times over the course of the loan? 
3-Do n't use scrambled letters / numbers that can be confused for other letters / numbers. The number XXXX and letter l look similar, as does the letter O and number XXXX. The variegated colored background makes this more difficult than it has to be. *

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 2017-01-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I RECEIVED THIS LOAN FROM XXXX XXXX WHICH IS NOW NAVIENT. I HAS NO IDEA OF THE CHANGE UNTIL I APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN PAYING ON THIS LOAN SINCE 2010 AND I HAVE MADE NO HEADWAY IN PAYING IT OFF. I ALSO CAN NOT GET INFORMATION AS FAR AS GETTING IT FORGIVEN FROM THE COMPANY ESPECIALLY BEING THAT THE SCHOOLS HAVE BEEN CLOSED DOWN DUE TO FALSE ADVERTISEMENT PROMISING JOB PLACEMENT WHICH I HAVE YET TO RECEIVE 7 YEARS LATER. I WOULD LIKE FOR MY LOANS TO BE INVESTIGATED DUE TO THE FACT THE AMOUNT DOES N'T SEEM TO BE CHANGING AS I CONTINUE TO PAY YEAR AFTER YEAR.

Company response to consumer: Closed with explanation