BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello : This is in regard to Portfolio Recovery. They claim, and have entered on my credit report, I owe them and/or XXXX XXXX, {$1400.00}. 

I believe this to be false, as I 've had many accounts with XXXX XXXX, and have paid them in full. Also, a date of XXXX delinquency of XX/XX/2008, which I 'm sure is wrong. 

Therefore, I 'm requesting validation of this account. Including but not limited to, a signed contractual agreement, with my signature, indicating my intent to pay this alleged account, plus proof of last payment date. In order to ensure true validation of last payment date, they are to include amount and bank on which last payment was drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/2015, i took out a XXXX personal loan from a company called Loanme. It was all done over the phone. Just 2 weeks ago, the loan company took the monthly payment of XXXX dollars from my account. I, sure that i had already paid off what they let me borrow, called the loan company. During that phone call i was informed that the interest rate for my loan was a whopping 135 %. I asked them to then send me documents with all the information regarding the loan such as terms and conditions. I have those now. I told them that my financial situation has changed since my hours at work had been cut due to me attending college. They asked me all kinds of questions regarding my weekly spendings and told me that they would be able to lower the monthly payments from {$290.00} to {$250.00}. The gentleman that was helping me informed me that they had sent me an email containing all the details regarding the changes to my loan account. He said i absolutely must sign that form electronically as soon as possible and to call him as soon as i did. He really made it seem incredibly urgent. I found it weird that i had not yet even signed anything with this phone company, and now they suddenly wanted me to electronically sign this online document. This document says that not only my monthly payments had been lowered, but that the interest rate had also been lowered from 135 % to 115 %. This was something that i was not told would happen during the phone call. All they told me was that if i did not sign and return the electronic document to the company via email, then the changes made to my loan would not happen. I find this all very suspicious. As far as i know, the maximum interest rate in the state of California is 10 %. I am more than willing to pay a legal interest rate. But this to me sounds a lot like theft. I would really appreciate the help and the careful analysis of people who possess a much greater knowledge on these issues. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been making payments to Navient faithfully out of my checking account and my entire tax return was taken for student loan repayment. However, I had called multiple times to see WHY this was going to happen and they said that at one point I ahd defaulted. I am currently on government assistance, with XXXX children working a full time job and they will not lower my interest rate, and take almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a issue regarding multiple shortcomings in the credit reporting process. On XXXX XXXX, 2015 I ordered my XXXX credit reports and score from Experian. The Equifax score was over XXXX points lower than the other XXXX credit bureaus even when computed by the same scoring model. No one can tell me why the score is so much lower even when the information in all XXXX bureaus is nearly identical. The experian credit factors also states that negative factors include the fact that my oldest account is less than 6 months old and that I am behind on my mortgage ( There is no delinquent mortgage reported anywhere on my credit report and the oldest open account is over a year old ). The same XXXX inaccuracies are also present on the XXXX record. These credit reports also list several credit inquiries that I have disputed many times and each time the dispute comes back stating that " then entry is of factual record '' and the inquiries have not been removed. There are several inquiries that I have not authorized and are having a negative impact on my credit quality and there should be a way to get these inquiries removed if they were not authorized. These inquiries include XXXX XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX I. I have disputed these entries more than once and have even tried tracking down phone numbers for each the creditors of which is just a endless loop of phone calls and transfers to departments that have no way to look up any record of me applying for credit with each respective lender. There is also just a blatent disparity of data accuracy across the reports with for example XXXX bureau reporting a account open and another reporting the account closed on a loan which was paid off years ago. When a consumer disputes this information sometimes the info is fixed but more times than not the dispute is left unresolved and at times when disputing these entries there is a text box within the dispute that only gives me a few XXXX characters to describe dispute which is no where long enough do describe all of the information that needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for XXXX. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Experian says it will show on my credit report as a released tax lien until XXXX XXXX. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?

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 2021-07-29
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had an Apple Card since XXXX of last year which is a credit card which can be used via mobile wallet. In XXXX I discovered an identity theft issue with my Apple XXXX  account where someone had opened a bank account under my name using my old drivers license from XXXX Nebraska. After I reported the identity theft issue to Apple my account number for the Apple Card disappeared from my wallet.I also received account statements without account number. Also my device got stolen. For the last two months Apple has refused to give me access to my original Apple ID account which I have been using for the past 7 years and has my personal pictures and data in iCloud back up. Also I was not able to reset my password even though I have my recovery phone. 3 of my Apple devices have been stolen after this incident including my Apple XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

I am still not able to access Apple Card account or use the physical card. I received an Apple Card statement after two months stating my payment was due. This has negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Repeated harassing voice mails with veiled threats. Calling and harassing references. Call from district manager saying I should get a lawyer. In XXXX 2015 I had fallen behind because I was in the hospital 8 days with XXXX. I was getting calls while I was in the hospital. I later realized that I had agreed to insurance if such a situation arose. The manager never once mentioned this to me. 

I fully understand I have an obligation to pay this amount. I also understand that you can work with the lender to assist in this matter. My experience last year, convinced me that One Main uses this to encourage you to call but the agenda is to try and pressure and harass you until you make an immediate payment. I assume this strong arm tactic is used by this type of lender in an attempt to reduce the percentage of loan defaults. I also suspect based on the number and the harassing nature of the calls, it must be tied to an incentive bonus. However, it does n't excuse their tactics and excuse them from the fair loan practices that they are bound by. When a district manager leaves a call saying he has your file and your employer information and suggesting you call a lawyer was the last straw. I am sure they are well schooled on what constitutes a threat but that is a matter of legal semantics. A veiled threat is not the same as a direct threat, but their protocol does violate the process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: Applied Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
. I sent this company a request for validation on XXXX and the tracking number is XXXX and it was delivered to a closed business on XXXX at XXXX and then delivered on XXXX at XXXX but to this date Ihave never received validation of the debt. They have had more than ample time to comply with my request and it was signed for by one of their agents whose name is XXXX XXXXThis letter that I sent them references all ( accounts associated with XXXX ) for services provided to ( XXXX XXXX ) on ( XX/XX/XXXX ). 



These accounts were submitted to, or should have been submitted to ( North Carolina ) for indigent care. ( XXXX. Indigent health care risk fund Deposits Interest Payments Reports. ) b/c I was homeless and indigent at the time of service. 

They are in clear violation of HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my mortgage servicer select portfolio servicing , Inc. indicating my loan was transferred to XXXX XXXX XXXX  effective XX/XX/XXXX. I called XXXX bank on XX/XX/XXXX and they don't have any record of my mortgage and assured me they didn't purchase it. They confirmed the address and phone number on the letter from select portfolio servicing , inc. is not their number or address. I just want to pay my mortgage and I am unable to do so. This is either fraud or incompetence and I am not happy with them. 

the adders for the payments is to XXXX XXXX XXXX. I don't know if this is a scam where they are trying to steal money or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
remove the FTC violations attached are the violations att : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CMRE Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying down this debt ( 2 accounts were combined- a total of over XXXX, when I called to make a payment they told me I had a new collections amount over XXXX dollars. But I received NO COLLECTION LETTER FOR THat amount from anyone. I called my insurance company who then informed me that the other two accounts in collections with CMRE were paid in full by my insurance company- XXXX XXXX XXXX XXXX XXXX XXXX. I have both XXXX  from those charges and they show NO BALANCE OWED BY ME. So I have been paying a debt that has already been paid in full. I sent those documents to CMRE and have called twice and no one will return my call and I have received no repayment of the hundreds I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: M&T BANK CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In 2007, I applied for a reverse mortgage loan secured by my personal residence from XXXX XXXX Bank, who has since merged with M & T Bank. The purpose of the loan was to cover catastrophic healthcare medical costs for my daughter, who had a XXXX that make me incurred in medical expenses in excess of {$9000.00} a month. 
After being told that I was approved, I executed multiple loan documents that the Bank communicated were to document the reverse mortgage loan. In reality, the Bank has instead given me a commercial line of credit that was made to look similar to a reverse mortgage and that allowed them to draw on such line of credit and have agents of the Bank invest on the drawn funds. The funds so invested were wiped out and the loan fell into default. 
The original Loan amount was {>= $1,000,000} and the Initial draw 's monthly amount was {$10000.00}. From this amount {$6500.00} was used to pay first the interest on the mortgage, and I would receive the remaining {$3500.00} The Bank has now threatened to initiate foreclosure actions against me for defaulting on a loan that was doomed to fail from the very beginning. I relied on the Bank representations that they were going to invest the loan proceeds and that through their financial savvy I was going to have income for life. 
I did not have the capacity to understand the complex commercial transaction that the Bank induced me to sign. The commercial line of credit that they induced me to sign for allowed the Bank to invest all of the loan proceeds in the stock market ; and to my detriment, they lost more than {$400000.00}.

Company response to consumer: Closed
Consumer complaint received 2021-07-29
Company: ERC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, XXXX  reports the date of last payment of XX/XX/XXXX, and Equifax reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD Bank opened unauthorized accounts in my name. They used my social and address. 
They told cfpb that they closed the accounts in XX/XX/2020. 
I received an account from TD bank today. XXXX XXXX XX/XX/2020. ) The account was clearly never closed. 
TD bank never sent me confirmation of the closed accounts after telling cfpb that the accounts were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: SYNCHRONY FINANCIAL
State: MI
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:
I have contacted synchrony bank multiple times every month for at least six months. I have a visa with store rewards every month the rewards disappear before I can use them. They have instructed me to change all passwords and have investigated and months later reissued rewards that disappear again. They have stated this is a known problem but havent fixed it and continue to put customers through unnecessary work month after month. I believe my information has been compromised and they are doing nothing about it. Also a few months ago a new account with this bank, different store, was opened in my name without my knowledge it has been closed but leaves me feeling vulnerable.

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