BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: Solutions To Portfolios, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
After a terrible experiencing using the American Express ( AMEX ) Serve Card my account is closed. On XXXX/XXXX/XXXX AMEX sent me a letter [ CFPB ref No : XXXX Ref : XXXX ] stating for me to once again call their Customer Service Account Protection Services @ ( XXXX ) XXXX to obtain my account refund of {$450.00}. ( image attached ). 

I have contacted them over 5 times ( usual delays, and communication with their operations are horrible ), the most recent was on XXXX/XXXX/XXXX and I was told very clearly that in 48-hours my refund will be mailed to my confirmed address registered with AMEX. 

It is now XXXX/XXXX/XXXX and I have NOT received my account balance which AMEX owes me. 

I intend to pursue the collection of the money that AMEX owes me to the full extent of the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was alerted by XXXX credit reporting that mortgage company, Selene Finance, fraudulently changed my home address on my report XXXX XXXX, 2016. The address they listed is a realty company in XXXX, NJ. I 've contacted my lawyer concerning the issue since Selene will not converse with me because a " cease & desist '' order is in place. Selene is well aware of my current home property address. If they do not rectify this fraudulent act, I will seek legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Carter-Young, Inc.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2015, my vehicle was rear ended at a red light in XXXX County, XXXX. 
The driver admitted he was at fault and his insurance company provided me a rental car via his policy coverage. 
Before the settlement of damages from my vehicle were paid to me ; my car was deemed a total loss, the rental car company reported the vehicle stolen. 
XXXX XXXX a Car ; is the rental agency. Also known as XXXX XXXX. 
They reported the car stolen on XXXX/XXXX/2015 and Never informed me of course. 
On XXXX/XXXX/2015 on my way from a job interview in XXXX XXXX, MD ; I was detained by the XXXX XXXX Police Department for alledgely Grand Thief Auto. 
I surrender the vehicle, along with XXXX sets of key and the temporary registration ; naturally the temporary registration was in my name. 
The vehicle was in perfect condition at the time of my detainment and later arrest. 
All the Court proceeding were XXXX XXXX in regards to the friviloious stolen vehicle charges. 
Apparently once the XXXX XXXX Police took possesion of the vehicle they not only stole out of the vehicle my {$1000.00} XXXX sports jacket I wore to my earlier job interview ; they cause {$340.00} damages to the rental vehicle. 

Thus XXXX Damage Recovery Unit-XXXX XXXX, MO XXXX has turned this case over to Transworld Systems , INC, XXXX. 
# XXXX XXXX XXXX XXXX. 

I have sent two written correspondences requesting to dispute the non valid {$340.00} fee because I do Not work for the XXXX XXXX Police department and can Not be held responsible from their dishonest and apparently criminal actions. 

This harrassement must stop and I would appreciate if your agency could get involved to stop this non valid attempted debt collection. 
Not only was I injured, my vehicle destroyed to no fault of mine, Court proceedings and now harrassement of a debt I do Not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: LTD Financial Services, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collector contacted people around me who has no idea that I owe money, and they are people who are my family member and my friend who has nothing to deal with my personal life. They stated who they are, but then when ask for more detail, they just keep asking to speak with me. My sister has told them not to contact any other third parties other than myself, yet they tried to contact my ex room mate the next day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management calls via their telephone number, XXXX. They call different times of the day and day after day. I answer the telephone and say " hello '' ; however, no one on the other end ever speaks. If the answering machine picks up, no one leaves a message. Two weeks ago, I dialed XXXX after a call and learned the telephone number calling me is XXXX. I called this number and spoke to a customer service person. The person said that they are trying to reach XXXX XXXX. I informed them that I am not XXXX XXXX. XXXX XXXX had the telephone number that they call 11 years ago. I requested that they stop calling. The person responded that they would stop calling. The calls stopped for a few days and have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-12-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt again was charged off XX/XX/2012 I would like to please have this debt collection agency stop reporting this old debt on my credit report. 

I am a single Mom and trying to put a roof over my daughter 's head no will rent to me with this on my credit, we are still homeless trying to move forward. All I can do is keep reaching out to your firm for assistance with these debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We were actively working on a short sale for this property. We were completing all our tasks on XXXX and very close to getting the short sale approval it seemed like but every time the negotiator came back to us, she would slash the fees that were being allowed. We originally had a contract much lower than the value of the house. This was the 2nd time we were going in and this new buyer had agreed to the contract sales price. Our negotiator XXXX XXXX said that we had until XX/XX/XXXX to complete the task or she would close out the file. 1, we were waiting on results from the 1st complaint we filed with the CFPB, and 2, we logged in on XX/XX/XXXX at noon and the file was already closed. We need to get the file reopen on XXXX as soon as possible with a negotiator who is willing to work with us and who does n't keep cutting the fees that are approved and who does not close out the file before the promised time. My wife is in her sick bed and we need to be able to get this out of the way to prevent a foreclosure from happening.

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 2017-03-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I checked my credit report and noticed 3 late payments reported by Navient while my loans with them were in Administrative Forbearance. The late payments was reported XX/XX/2016, XX/XX/2016, and XX/XX/2016 my Administrative Forbearance was from XX/XX/2016 to XX/XX/2016. After noticing the error of the the late payments being reported I notified Navient and was sent a letter to give to the credit bureaus to update the information. The letter states that my loans were in Administrative Forbearance during the time the late payments was issued. This was done back in XX/XX/2016 to this day the late payments are still on all XXXX of my credit reports. Navient has been unpleasant to work with concerning this matter. I have paperwork to submit to verify of the Administrative Forbearance during the months in question. I just want this matter fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CHECK INTO CASH INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
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 has my loans in a rate reduction program with an automatic payment every month on a due date I chose per their prompting, XX/XX/XXXX. I noticed that the " Due Date '' in Navient 's system is different than the Due Date set up for the program, they have XXXX listed, so I called and the person I spoke with told me it was an error in their system so she allegedly reset the Due Date to the correct date and refunded the late fees accrued by this situation. 
The next month I noticed the payment had not come out of my account around XX/XX/XXXX so I called Navient to inquire why and they explained someone had erroneously set the due date to XX/XX/XXXX so the person I spoke to made the payment immediately and assured me they fixed all future Due Dates to XX/XX/XXXX. They also assured me there are no late fees currently on my account. 
To date the Due Date has not been fixed and still shows XX/XX/XXXX with the message showing " You could be charged a late fee. '' as well as the fact that there are still many, many late fees still assessed on my account despite the fact that I have paid every month on XX/XX/XXXX which is the Due Date for my payments. 
I have made every attempt and have stayed dilligent monitoring this to ensure the issues are fixed and they have not been fixed despite the fact that every month when I call I am consistently told the Due Date and Late Fee issues are fixed. 
This is affecting my credit and has become extremely frustrating at this point - I need these issues to be resolved ASAP.

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

Complaint:
When I learned Navient had my student loan, I contacted Navient to apply for Income based repayment as I could not make the high monthly payment they were asking. They told me I qualified only later to find out I was on a forbearance.. About 2 months ago, I wrote to Navient asking about a Loan Forgiveness because XXXX XXXX XXXX closed all schools and I believe I was entitled to this. I have yet to receive any information from them. Navient has not communicated with me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I, just like many other Americans have private loans through XXXXNavient. I XXXX college in XXXX XXXX and did n't have a full time job during XXXX. The only option they gave was forbearance which only helped balloon the amount I owed. I have paid on my loans since XXXX with the principal balance barely moving. I now owe over XXXX but borrowed no where near that amount of money for school. My original total was XXXX. I also had to get my loans extended from 10 years to XXXX because I could n't afford the payments. Navient is definitely affecting my ability to purchase a home in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I will try to make a long story very concise with my concern. : I transferred a total of {$3600.00} in an intra-bank ( Bank of America ) wire-to-wire transaction, only to later determine ( after the deposits ) that I was defrauded. The banking institution 's policy is that since this is a wire to wire transaction, I am not protected by the financial institution for this type of transaction. The bank currently has a freeze on the account and is investigating the incident, HOWEVER, they have expressed to me that I am NOT eligible to have my money refunded from the fraudulent account until they make contact with the account holder ( the fraudulent criminal!!! ). Since they have not made contact with the fraudulent account holder, my claim is being denied. Then bank is unwilling to tell me if this denial will unfreeze the account. What criminal in their right mind would return a call? Why arent the facts in this case enough to reverse whatever remains in this account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was contacted by Bank of America to refinance my home, they said that they could give me a better rate and my house would qualify for eliminating the Mortage insurance. They wanted {$480.00} for the appraisal and because of my $ XXXX a year income & I had paid the original principle down from XXXX to XXXX I was a lock for this loan. We had a rude appraiser come in and value the house at XXXX, so I would have to keep the insurance, I protested and provided Bank of America the information from a independent realtor that they asked me to provide. The realtor rated the home value at XXXX based on a XXXX Bedroom home with XXXX full bath XXXX sq ft and a prime XXXX zip code location. The said it was n't good enough and charged my Bank of America credit card {$480.00} & added {$25.00} late fee when I protested the charge. They said they would give the late fee back but never did. I have complained and they say their hands are tied, I even offered to pay {$10000.00} to put me under the Mortage insurance & they wo n't budge. I believe they want only to do loans so they can make extra revenue on Mortage insurence. They refuse to reverse the charge that they put on my credit card without authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( XXXX Bank ) and their collection company Midland funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.

Company response to consumer: Closed with explanation