BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: U.S. BANCORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.

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 2015-06-29
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My ex-wife and I got a XXXX over 2 years ago and the decree clearly stated that the marital home was to be sold and in no way was she given my interest in the property or was it conveyed that she wild be allowed to stay in the property over the time it took to sell it or 1 year, which ever came XXXX. Additionally my name is on the loan and on the deed and I have not and will not sign over my intertest of the home to her. In the meantime she has applied for a Loss Mitigation Application with the motrgagee, US Bank. They have allowed her to start this process and have accepted payments from her with the knowledge they have viloated the rules and regulations that govern this program. I want this process stopped immediately and the Mitigation process to cease and for her to not be allowed to remain in the former marital home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: DISCOVER BANK
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
The issues is with Discover Card. My phone company, XXXX XXXX went out of business for serving customers in the state of Michigan. Discover Card charged XXXX times, XXXX we disputed, and XXXX new charges in XXXX. So Discover charged 14 monthly payments, and keep arguing they have given in all the credits for disputed charge. They have not followed up on phone calls, complaints, investigations, the Discover Card agents agree we are due 5 months credits, but then after we get off the phone nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I completed the process to request a loan modification under the " Making Home Affordable '' program. After making XXXX consecutive payments, Bank of America has failed to convert me to a permanenet modification which is subsequently causing further delinquency. I am trying to work with my lender to prevent both further delinquency and bankruptcy.

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 2017-02-22
Company: Navient Solutions, LLC.
State: VA
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:
I originally took out a loan for my my XXXX degree through XXXX XXXX. For reasons unknown my loan was sold to Navient, and now my interest rate is variable, and 11.5 %. I can not get any answers about how this change happened. In addition, when I have tried to work with Navient to get forbearance, they have repeatedly played games with me, made commitments they did not keep, and negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was directed to put the loans into a forbearance amount of time until I could afford my loans. I then put the loans into a interest only payment for a year until they put me back right into the normal repayment. Please note the normal repayment was over XXXX $ a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Failed to apply/allocate payments to the accounts correctly. 
Obscured information and failed to notify of payment change, interest and late fees. 
Had I not discovered the problem by conducting an end of year review of my loans would have harmed my and my husbands credit as he is a cosigner on my consolidated loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was supposed to credit my mortgage for the excessive amount Bank of America charged me for the Homeowners Insurance Policy as Bank of America placed Lender Placed Insurance which was inflated as the policy was issued by XXXX XXXX and XXXX XXXX both subsidiaries of Bank Of America. Attached is the court order to pay me for the excessive charges Bank of America has charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: American Finance LLC
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We were behind on payments by American Finance LLC of XXXX Delaware. We initially spoke with Rep XXXX XXXX, who told us how far we were behind. Then, we agreed to a payment arrangement to get payments caught up. We also spoke with another Rep named XXXX who also confirmed how far we were behind. Over the course of about 6 weeks, the amount they said we were behind was paid in full and we were told the account was all caught up and we were good to go. So, we resume with regularly scheduled payments on time. Then, all of a sudden, weeks later, we get a call from XXXX saying there was some type of glitch in there system and we still owed them {$530.00} and the account was still behind. We had already paid them well over {$1200.00} and now they are saying we owe them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Southwest Credit Systems, L.P.
State: AL
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:
I got cable TV through XXXX, and about a month later I decided to move and I called XXXX to see about moving my service and they ask for the address I was moving to, they ran the new address and told me that they do not service that address. I told them that I had to move and I would just have to cancel my cable and internet. I paid for the time I had and used the service up until I moved. I sent the equipment back and I still received a bill for {$350.00}. I called XXXX and explained to them I had called and canceled the service and they tried to tell me that I did not cancel that it went two months past due then they disconnected the service due to non payment. This is not true nor accurate. And I do not owe them XXXX I called in to cancel this service and it should have been disconnected immediately because I was no longer even living at that address and the boxes were already packed up. You can even see from the Internet usage for the time they are trying to charge me for was XXXX because it was not even connected. I feel as if I am not responsible for this debt. I refuse to pay it, I pay all my bills on time but I 'm not going to pay for someone else 's mistake. Please help me resolve this issue because I tried to handle it on my own and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-15
Company: Southwest Credit Systems, L.P.
State: GU
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:
Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX. 
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore. 

When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA. 

It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago. 

I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars. 

Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes. 

The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago. 

I would really appreciate any help I can get on this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Transunion ( consumer reporting agency ). This reporting agency ( Transunion ) has infringed upon my right of privacy. I have made multiple disputes to my consumer report regarding this unfair reporting. Through my thorough investigated I have found that this reporting agency was reporting approved extension of credit showing payment history which should have been excluded from my consumer file. I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Transunion ) to report Any information dealing with specific extension of credit which is a violation under the FCRA 15 usc 1681a ( 2 ) ( i ), Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. If consumer reporting agency remits violations, please provide me and Consumer Financial Protection Bureau ( CFPB ) My initial signature authorizing consent to such action, please provide to me exhibits to back this supporting claim of fraud. If Affidavit is not rebutted with proof, litigation process will start with this agency. I have identify my identify through a notary presentment. These are Federal violation under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that i ( consumer ) have fully addressed my concerns of the validity of this matter, will still stands.

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 2017-02-22
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I believe the XXXX out of Address Line XXXX : XXXX XXXX XXXX XXXX. 
Address Line XXXX : XXXX XXXX City : XXXX XXXX Zip Code : XXXX Is not compliant with XXXX Consumer protection. 

Under the name of 'NETSPEND ' Netspend Corporation XXXX XXXX XXXX , XXXX XXXX I have been receiving real credit cards under my name without ANY contact by me. They are sending real cards that can be easily intercepted and used without consumers evening knowing they had a credit card in their mailbox. 

SImply put, NETSPEND/XXXX is sending out credit cards out to consumers without ANY contact. The implications are very serious as a consumer would not ever know a credit card is on the way without prior knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A medical company I am a client of XXXX XXXX has claimed for some time that XXXX owe them money, but can never say what for. So because I continued to challenge them on the issue, they sent their " alleged : debt to a company called State Collections. They started calling me. The first call was a live person, who demanded to know all my personal information. When I refused, she said that I would be sued if I did not pay the debt. I told her she would have to send a letter stating who they were, who they were collecting for, and how much the alleged debt is for. So far they refused, and since I did not handle this over the phone they placed it on my credit. Now I receive " robo calls '' from State Collections daily. No person on the other end, just a message that they are debt collectors. I am trying to get this removed from my credit, and I have complained to the local XXXX about XXXX XXXX. State Collections have called before XXXX and after XXXX on several occasions, XXXX time being called as early as XXXX and as late as XXXX. I need these people to follow the law, and at the very least, send a letter stating their purpose so I can respond. Calling them back does not result in any communication either. You sit on hold forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CHECK INTO CASH INC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was told I was only giving permission for Check into Cash to ACH upon my request. I was verbally assured they would not ACH without permission. I am requesting to withdraw my permission for them to ACH my payment and they refuse to tell me how to do so. They also debited my acct prior to my due date and stated that was the policy. I have no issue paying what is due but they are not following what I believe they stated their procedures were. They amount they debited has also increased without informing me. Their rep states she calls multiple times, day after day without any response from me so she is forced to debit my acct. This is also untrue. I made them very aware of my work hours and that I am unable to answer at those times and I always call back as soon as possible. She states that is what prompts her to ACH debit my acct when in actuallity she only contacted my once the morning my payment was due and did not leave a message. She has not called back until 4 days later after the payment was debited. When I returned her call today she stated she called to " make sure '' it was ok they debited my acct. They ACH was sent through on XX/XX/2017. She called on XX/XX/2017 and left no message. She did not contact me again until today and I returned the call promptly after work hours. The debit was NOT done because lack of communication as she states. It was done prior to the due date and prior to any contact from their office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28
Company: Carter-Young, Inc.
State: GA
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:
This company is reporting a debt that I do not owe them. I need your assistance in getting this matter resolved once and for all. I do not owe this company any money and I do not have any obligation to this company. I have asked this company to provide me with a detail breakdown of this debt, proof that I am obligated to pay them anything and a copy of my signature. I have not received anything from this company as of date. This company needs to be fine for violation of the FCRA. The account is showing up as Acct # 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 2016-05-10
Company: Paramount Recovery Systems, L.P.
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:
This Paramount Recovery agency has reported that I owe them {$760.00}. I have never heard of them or this XXXX that is from where the debt was incurred and sold to Paramount. But that 's not the most urgent problem. They have filed XXXX individual accounts for collection of that {$760.00}. That is XXXX debt reported on my credit file filed as XXXX different collections for the same debt. On my credit file the account numbers are the same, date of origination is the same, file numbers are the same on each of these reported collections. Unless they treated me 13 times in the same day for services that all cost {$760.00}. It 's not impossible that they did that. This is plain harassment. Reporting the same account multiple time on my report has had a detrimental effect on my credit score. Even if this debt were mine, there should be XXXX account in collection, not XXXX. Deliberately reporting false information to each of the credit bureaus is a punishable act under the FCRA. But I simply do n't have the thousands of dollars it takes to litigate a FCRA complaint. 


I 've tried talking to them but they wo n't even discuss the possibility that this debt was incurred by someone other than myself. They call me at home, on my cell, and at work demanding that I pay this debt but completely ignore my request for them to prove that I incurred this debt. 

The sad part is, if they would correct their reporting to all XXXX credit bureaus, i would pay the {$760.00}. That 's how desperate I am. I have been passed over for XXXX different employment opportunities because of their tactics. Who wants to hire someone with XXXX accounts in collection from XXXX entity? 

I had other collections reported from other agecies that were materially related to healthcare, that I asked them to prove that I am the debtor and they simply couldnt and removed their filings from my report. Paramount will not even discuss anything other than my paying this {$760.00}. It 's almost blackmail. Unless I pay them, they are going to continue reporting false information to the credit bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-03
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief