BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-31
Company: AFNI INC.
State: MT
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:
My wife and I cancelled XXXX because they changed our rates without warning when we had a set amount we were paying and tried to bill us for a coaxial product. We moved from XXXX XXXX XXXX in XXXX, Montana to XXXX XXXX XXXX XXXX, XXXX, Montana. We had used there free move program in the past and everything went smooth but this time they tried to charge us for coax that we already had at old house and could have taken or we could have but they never mentioned it and that I also had plenty of new to use. We were not under any contract. I spoke to XXXX before they turned this over to collections and i was told this was closed. We ended up turning our service off prior to coming to a resolution with XXXX and we now use XXXX. XXXX tried to say we signed a new contract upon installation at our new home but I told them that was not true and they said they were documenting this. At a, later date I contacted them about this and they said we signed something on the installers electronic device. I explained that I was not even home. We assumed the tech must have just marked it himself. I asked XXXX why the tech would have even had something for us to sign since we were already customers, the agent said he was not sure and would need to look into the status of our account. 
my wife and I thought that it sounded kinda shady that they would even be trying to get us to sign anything like this since we were just moving locations. We are not sure but after that XXXX said to just pay the last bill and our account would be closed but this was after multiple calls and after service had been ended. Later a collection company called AFNI started sending us bill letters about XXXX and we told them about our resolution and about how I paid the last bill with XXXX and that it was closed. They said they would check it out and if there was any problem they would let us know. They never said anything but sometime ago I noticed they had put a negative on my credit report and said in collection which is a lie and I have tried to contact them about fixing it and they never write or call me back and never take the call. They have no evidence of any bill and they know it. AFNI address and phone is : XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .. 
Afni Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX P. XXXX XXXX XXXX XXXX XXXXXXXXXXXX Hours : Monday through Friday XXXX - XXXX CST We do not owe this bill and XXXX has their equipment and the last time I talked with XXXX they said they did not know what I was talking about when I spoke with customer care but that has been a couple of months ago. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online business XXXX XXXX  XXXX ( XXXX equipment and telephone sales ) since XXXX. My PayPal account ; XXXX has stucked funds in it that i have to withdrawn ASAP for emergency purposes. And i am hoping that i will get back my account and able to withdraw my funds. Thank you and Godbless. 

For isentity verification, i attached my valid ID. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I looked at my credit reports in XXXX  Credit cards on my XXXX credit reports, namely Equifax, XXXX, and XXXX XXXX XXXX XXXXXXXX there are XXXX XXXX  XXXX accounts.Also there is The XXXX account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a mortgage loan with ditech, they owe me {$160.00} for an escrow account overage. it was to be mailed to me by XX/XX/2016. i have received no refund check. the " customer service '' rep was unable to provide any answers. Also during this call i found out that ditech has been stealing the extra money i have been paying towards my principal balance since at least XX/XX/XXXX, under the shroud of " administrative fees ''. again the customer service rep was unable to provide any reason for this. i have never been late or missed a payment ever! i am assuming this is a result of my complaint from XX/XX/XXXX when i had the nerve to complain and ask that my payments to ditech be applied to my account as i 've paid them ( i.e time, account, and amount ). i can prove i have never been late or missed a payment, ditech can not do the same, as per your " customer service '' rep. I demand every penny plus interest to be refunded to my account and this lie of administrative fees, or backed owed money to be removed from my account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Had a talk with XXXX at the executive office ( XXXX ) who laughed on the phone after I told her your bank had racially discriminated against me. She told me despite her not being busy she wanted me to wait an hour in the normal line and she would refuse to honor Chase 's fiduciary duty to act in my best interest and help me. Close my Chase bank account ending is XXXX AND WIPE THE MONTHLY CHARGE THAT WAS LEVIED DUE TO YOUR BANKS SLOW PROCESSING NOW! CLOSE MY ACCOUNT AND VACATE THE NEGATIVE BALANCE IMMEDIATELY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: FL
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:
I do not recognize these unauthorized charges and accounts on my credit report. I have been back and forth with the companies and no resolutions. Please remove all fraudulent accounts from the credit report of XXXX Equifax, and XXXX. 

The first account is XXXX XXXX XXXX reported a balance of {$0.00} opened on XX/XX/XXXX. 
The second account is XXXX  XXXX opened XX/XX/XXXX balance {$670.00} The third account is XXXX  XXXX opened XX/XX/XXXX balance {$750.00} The fourth account is XXXX XXXX XXXX opened XX/XX/XXXX The fifth account is XXXX XXXX  XXXX XXXX opened XX/XX/XXXX balance is not at {$0.00} The sixth account is XXXX XXXX XXXX  opened XX/XX/XXXX balance is {$180.00} Please remove immediately from all XXXX credit reports these were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI # XXXX XXXX XXXX XXXX XXXX IL XXXX have a a unverified account from XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.

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 2022-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received numerous inquires on my credit report. I have not applied for any credit since XX/XX/2021. I reached out to all 3 bureaus and they were no help at all. I disputed the inquires with XXXX and they came back validated which is funny. You have to give written consent to run credit via an application, etc. There is no such thing regarding theses accounts. This is a violation on the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Good evening, I 've been paying my private student loans to Navient, formerly XXXX XXXX, on time every month for two years using autopay in order to participate in a reduce interest rate program. I 've never missed a payment or called to defer payments. I recently received tax bills ( XXXX old, XXXX from an amended return for this year ) and it 's going to take a considerable portion of my disposable income over the next couple of months to pay these bills. I called Navient yesterday afternoon to ask for a two month suspension of payments while I handled my tax obligations. 

The representative on the phone told me that since my loans were private, there were no options available. No forbearance. No deferments. I advised her of my situation and she understood that my obligations to the IRS and State were of priority, but stated that their hands were tied. I was forced to cancel my autopay indefinitely in order to prioritize the payment of these unexpected expenses. The representative on the phone advised me that in doing so, I was terminating my enrollment in this reduced rate program, would be ineligible to re-enter the program for a year, and that I would be put in default almost immediately after missing the first payment since these loans were private. 

I honestly just wanted a little flexibility in my payment terms while I took care of these tax bills and they have refused to help. I 'm now looking at missing my first payment ( and going into their proclaimed automatic default ) on the XX/XX/XXXX. 

It 's ludicrous to say " we ca n't help you '' when I 'm making a XXXX dollar per month payment ( 75 percent of which goes to interest alone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I, XXXX XXXX, have a loan with Hyundai Motor Finance. My initial contract did not call for them to charge me a late fee. In XXXX of 2015, this company started doing so. The late fees have accumulated and even though I have been paying my payment, Reported on my credit as late. When I contacted the company, Their reply was that Alabama now allows them to charge a late fee. I did not get any notice of any change to my contract. I am a XXXX and if not resolved, plan on suing them in federal court. acct # XXXX XXXX/Hyundai Motor Finance/XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: GA
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:
I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING LISTED ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: NV
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:
The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 15 U.S.C 1681 Section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States that any consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Hello, I had called Navient ( my Federal Loan service provider, formerly XXXX XXXX XXXX I believe towards the end of XXXX XXXX, maybe XXXX XXXX. I called to try and get my payment lowered from {$140.00} per month. The person whom I spoke with gave me a few options to try to get it lowered and convinced me to do the re-consolidation to get a lower payment. Then, I had asked for an estimated payment or what it might look like after getting the loans reconsolidated. The gentlemen on the phone stated that it would be around {$90.00} something per month, which, would be something I could afford on top of the private student loans I am also paying back. I went ahead with this plan thinking it would be better and they went ahead an processed it, along with three months of forbearance because I was struggling to make payments on time. 

Flash forward a few months later, I gave Navient a call towards the middle of XXXX XXXX because I had not heard anything on the status of my application. After that, I received an e-mail of what my new payment would be in XXXX XXXX ... {$190.00}. Wow. I could not believe this. Why would anyone reconsolidate to have their payment be increased? I called Navient again. Apparently, going forward with the decision to reconsolidate was NOT the option I should 've been pushed into doing. The lady I spoke with on the phone went over my account and advised that I should NOT go forward with anymore forbearance because of all the interest that has accrued. What else was I supposed to do when I was n't able to afford payments? I told her that I was advised to do so and to reconsolidate, which she also told me I should not have done, either. I then asked, could I go back to what my plan was before?, and she said no. So, in the end, I ruined any chance of being out of financial debt any time soon. Not only could I not get out of the plan, but reconsolidating only added 10 more years onto a 10 year loan. And now, this is all a disaster. 

I do n't understand how a loan company could advise student loan borrowers to go through with this knowing that they are just banking on the interest they 're collecting, even when loans are in forbearance. I do n't know where else to turn, what other companies to look for or how to even qualify for loan forgiveness. It does n't seem right or fair for a company to expect payments like these, when our generation has other financial obligations like rent, groceries, credit card payments, other loan payments, a LIFE. 

I am not saying that I regret taking out student loans, because I would not have been afforded the wonderful and fulfilling education I received. However, if I had known then what I know now, I would n't have done so to be in the current financial loop around I am in. 

My feel stuck and do not know where to turn to at this point. Any advice would be greatly appreciated moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Central Credit Services, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX sent me a debt collection letter for XXXX & XXXX XXXX XXXX XXXX, balance of {$170.00}. This was an erroneous charge of {$140.00} on XXXX/XXXX/2016, on my XXXX XXXX XXXX XXXX credit card, which I contested as a fraud dispute with XXXX XXXX XXXX on XXXX/XXXX/2016, and I cancelled that card. XXXX XXXX XXXX issued me a Visa card with a new number, which has had no erroneous charges since that time.

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 2016-03-09
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter a week ago from a debt collecting company ( Dynamic Recovery Solutions ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
sent payment of {$60.00} and they cashed it. check number XXXX processing date is : XXXX. They say they never received payment. We have sent a letter from bank that the check cleared. This wasn't enough for them. We sent a copy of check. They still continue to say I have late payment. We have faxed/mailed this document 3 time already and they don't clear it up. We have called several times trying to resolve this issue. They have reported this to the credit bureau and have messed up my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. XXXX published potentially negative major derogatory information on my credit report. 
In XX/XX/XXXX I contacted them and requested a copy of the complete original agreement I completed in my own handwriting at the time of purchase. This information would include, my name, ADDRESS, telephone number, social security number. 
They responded by sending me a computer generated pricing addendum, credit card agreement and statements all with an ADDRESS that I had not lived at for five years. 
I NEVER RECEIVED THEIR BILLING. 
I called them repeatedly and rewquested what I am requesting now and even spoke to them on the telephone several times and they refused my request. 
I even told them several times that I had sold that house in XX/XX/XXXX and that the county Resgistrar of Deeds can verify that fact. 
I also stated that I had been using my Post Office Box for my address since XX/XX/XXXX. 
Can you please assist me in obtaining the original handwritten document I completed at the time of my purchase in XX/XX/XXXX. Thank you for your time and courtesy.

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