BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: Skyline Financial Corp.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I continue to receive phone calls from debt collectors that I do not owe. My identity was stolen a few years back and I have been trying to fix it ever since. I have paid all of my past debts but yet I keep receiving calls from accounts Ive never had.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-18
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This XXXXNELNET report is ridiculous. The late remarks starts at Late 90 days without prior late remarks and it is right after a good payment. I need this to be corrected or taken out for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: AFNI INC.
State: IN
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:
I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Nationwide Biweekly Administration, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been using Nationwide Bi Weekly for 7 years.In that time they have helped me save money and time while servicing my mortgage and auto loans.My auto loan contract with NBA has been interrupted by XXXX XXXX of CFPB according to NBA. An example of how they have helped me is an auto loan that i obtained from XXXX XXXX, in which i had 5 years of monthly payments.Due to how NBA services my loan, it was paid off in XXXX months.Saving me interest and time on the loan.Consider using bi weekly payments on a 30 year fixed mortgage.Lots of money saved, lots of time saved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a multi-person, multi-business impersonation fraud scheme. The four individuals and three companies involved convinced me to pay for services to get my book published by XXXX XXXX. XXXX XXXX has indicated no affiliation or employment of any of the individuals involved ( this was a very sophisticated scheme ). I have filed with the FTC and FBI. 

BB & T ( now Truist ) was contacted 3 times by phone and once in-person. While the branch manager was extremely helpful, Truist has not moved forward with reversing the transfer between them and Evolve Bank & Trust ( letter sent to me on XX/XX/XXXX ). I am having trouble just getting someone at BB & T/Truist to help with the situation. 

Wire transfers were made on XX/XX/XXXX ( {$15000.00} ) and XXXX ( {$10000.00} ). The case number within Truist is XXXXXXXX. The FTC report number is XXXX. I have a copy of the FBI XXXX complaint referral form and the wire transfers. I have copies, contact information ( of the impersonators ) and documentation of everything.

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 2022-01-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a house a few years ago, and got a fixed 30yr mortgage. The monthly payment, including taxes came to {$2500.00} ( {$1900.00} for principal and intrest and {$600.00} for taxes ). About a year ago, the mortgage changed hands and the new company is now charging me {$2600.00}. I was confused by the increase in amount as it is a fixed loan and my taxes have not gone up. I called the company multiple times to try to figure out why, but the best explanation I could get was that they were now demanding an additional {$8000.00} sum to be kept in an escrow account, in addition to monthly sum I was already paying towards my taxes. I checked the fine print of the contract, and it is RESPA compliant, which means the amount the are charging is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Im XXXX dollars behind on payments to second lien. Select portfolio servicing SPS is the servicer, and they have been so difficult during the entire repayment of months of my needing to repay due to Covid 19. I cant see the repayment plan online, nor through the app. XXXX month they took two payments out instead on one but I let them but then I got confused as to what month was due so I was about to make a payment for XXXX before the XXXX because I know it is due no later than the XXXX when I received a letter I am in default!!! Like I said they confused me taking two payments in one month and I can not view into regarding the repayment plan to ensure Im On track. Its hidden information. I have lived here since XXXX and bought it in XXXX XXXX fet begins during Covid now they are trying to take my home I was making the payments like I said I got confused. I receive no statements regarding the repayment plan etc... they want to take my home because they see it has equity I cant get to because my credit took a dive during Covid. They are backing me into a corner. This lurk comes to maturity in XXXX. Why didnt they just let me apply for a loan modification instead of this repayment plan given the situation? I was able to get a job XXXX XXXX XXXX this school year betting about XXXX a month plus planning to teach XXXX XXXX so making great money but SPS is trying to take my home and capitalizing on financial duress caused by Covid 19. What they are doing is not Only wrong ethically but possibly breaking laws. They are pretending to work with me but trying to trick and confuse me through the entire process. They sent me a form for short sale out of the blue, I guess hoping being confused might even sign it. Unsure but they are threatening if I dont have XXXX by thenXXXX they are basically taking my home. Please please help these bullies from taking my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Paypal Holdings, Inc
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: FL
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 consumer reporting agency is violating my consumer rights under 15 U.S. Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

There are multiple federal violations that the consumer reporting agency are knowingly violating. I have previous notified them of these violations through CFPB. I have also submitted an affidavit of truth and a demand of removal from my consumer report. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I hold the consumer reporting agency civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and affidavit of truth that includes the FCRA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient reporting 120 day late payment when I have been on required auto debit from my bank account. I have filed a credit dispute with them since I have proof that Navient misapplied my payments and I was told that they would remove the late reporting and they never did. Navient has denied my claim to remove this late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: I.C. System, Inc.
State: GA
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:
I have been dealing with an ongoing stubborn account, I.C. SYSTEM INC. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.

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 2022-01-03
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I am a consumer, natural person, and the original creditor. American Express received EFTs from my fund fraudulenty without my written consent and also failed to send me the proper disclosures for the transfers that total in the amount of XXXX. They attempted to collect debts from me and the grossly and negligently continue to violate my federal rights. I requested verification/ validation on those transfers, debits, and creditor information which they continuously deny me the right to. I spoke with a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX. All of those people I just name violated my rights and refused to send me the requested verification to my email. I requested the last XXXX of the written history on my account be sent to my email in which the refused. I am demanding repayment, return credits, and remittances pursuit to but not limited to Regulation E, B, and Z. I am demanding immediate resolution as there have been multiple disputes opened up with American Express in regards to my credit cards without resolve. I have been on the phone with them since XXXX today and I have been hung up on, refused, violated, deceived, lied to, and stolen from and I demand a remedy NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, I applied for the offered forbearance. This forbearance ran out XX/XX/XXXX. 
On XX/XX/XXXX, I contacted my loan company 's ( LoanCare ) Loan Mitigation Department about the options available due to Covid. I chose the option of placing the past due amount at the end of the mortgage. I asked for confirmation and LoanCare told me it would take approximately 30 days to process, and I would be notified then. 
I called in approximately four weeks as I had begun to receive notices. They told me to ignore as my option was still being processed and any calls or notices I received were computer generated. 
Two weeks ago, I received a packet asking for information and for me to approach them about a plan. I called and LoanCarXXXX said it was computer generated. My plan was still in review. 
I received a call last week and the caller had no record of them working on my plan. She later found it in the system that I had requested the option and forwarded me to Loan Mitigation. Loan Mitigation said the option had never been summited and I needed to restart the process. 
Now I find out the safeguards designed to take place before foreclosure proceedings start ended XX/XX/XXXX. 
It is obvious I was strung along until this deadline was reached. Due I have any recourse now or have they succeeded in running out the clock? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Loan number : 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 2020-06-12
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received debt letter from Coast To Coast Financial Solutions In XXXX XXXX which said I owed {$50.00} of XXXX XXXX XXXX, but XXXX XXXX XXXX never send me any bill! 

I tried to contact this company ( Coast To Coast ), but no one response me, untill XX/XX/2020 I contacted to XXXX XXXX XXXX and I paid FULL payment {$43.00} ( they give me some discount ) to XXXX XXXX XXXX on XX/XX/2020, but coast to coast financail solutions still charge me and they report to credit company decrease my credit score and I have a collection. 

I paid again {$51.00} to Coast To Coast Financial Solutions on XX/XX/2020 I paid twice because this bill. 

My Account # XXXX File # XXXX I use my chase credit card paid to XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX {$43.00} Paid {$51.00} plus {$5.00} ( fees ) to Coast To Coast Financial Solutions on XX/XX/2020 2020

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 2016-05-27
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I got a call from XXXX XXXX at Rocket Mortgage. I believe he found my number because my credit report had recently been pulled because we are working with a Mortgage Broker. He told me that he had received an application, which I assumed had been submitted by my mortgage broker. Based on his verbiage, I believed that he was working with her. I messaged my mortgage broker during the call and she said that was not the case. This was after I had already given him some information including my SSN. It appears that he pulled a credit report. I requested that he cancel my application. I received an email from XXXX that he ran my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Rocket Mortgage, LLC
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
Around XX/XX/2017, a company quicken loans called me to offer a cash out service. 
I spoke with their representative and during his conversation he ran my credit report without my permission. I was shocked when he told me what is my credit report. 
I asked him if he ran my credit report and he said yes. I told him that I did not authorized him to do it. I explained him that he supposed to ask my permission first and then if I authorize, then I would allow him. he started mumbling and excusing the reasons he ran the report. I asked for a supervisor and spoke with XXXX. I explained him that it should not be that way and I would like to ask to remove my credit report. he checked the voice conversation and promised to correct that. he did not get back to me on a solution so far. at this point, I spoke with their corporate office as well and they were not willing to remove the credit report they ran without my permission. The rep never asked me if he is allowed to run my credit report and the managers stated that the rep ran the credit report while he stated that he is going to do that. I disagree on it and I still need them to cancel the report they ran on me. please your assistance on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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