BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
OK hope this works this time. Been looking for a puppy XXXX for 2 years. Fri came across XXXX We converse and emailed for 2 days before we made our decision. Sun we agreed to pay the XXXX. In the initial email it takes all we have to pay is the XXXX to get the puppy with akc papers bc the company has coupons for free shipping for the puppies for Mon Wed and fri. Sun evening I moneygramed XXXX to XXXX. Mon morning I got email saying thankyou for choosing them and that they were doing the paper work on the puppy and they will take him to XXXX pet movers by Wednesday. Wednesday morning come and I get a email from pet movers which is saying that I have to pay XXXX for insurance on the dog. I told them I ca n't afford that. I emailed XXXX and told them what XXXX said and that I ca n't afford that and that was n't in the email or the website. Get email back from XXXX saying they are trying to work the money situation. I replied no I just want a refund. Never heard nothing else. Thursday morning I repeatedly called and emailed XXXX. They blocked my calls and my daughter calls. I call private and finally got an answer after about ten tries. The people saying I can get my money back on ten days. They had me on speakerphone. The playing rap music in the back loud as XXXX laughing talking mocking me etc .... Needless to say I 'm out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
M & T Bank excessive delay with loan modification agreement documents not being recorded though the bank says they have. Its been 4 month now since modification has been signed, approved and notarized. M & T Bank says paperwork was sent for recording on XXXX XXXX but the recording office still says nothing has been recorded as of XXXX XXXX, 2015. Loan number XXXX, mod signed XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CA
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:
Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal XXXX credit score had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to Experian. About a week later, I received notice that my dispute had been completed and that the creditor ( XXXXXXXX XXXX XXXXXXXX, XXXX ) certified that the information is correct. I called Experian and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.

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 2017-01-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have payed my ( on time ) mortgage for my home since XX/XX/XXXX, XX/XX/XXXX, I payed off my car in a year ( at my XXXX ) and payed down my credit card with a VA refinance loan. I applied for a XXXX at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

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 2021-06-18
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from Phoenix Financial requesting I pay an outstanding debt. I ask for additional information date of service or proof the debt was owed. The collector refused to validate the bill/debt. I checked my credit report on XX/XX/2021 and Phoenix Financial Services is showing a collection item in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX 2016 a check was sent to Macy 's Credit Card to pay of the entire balance. The check was deposited into Macy 's Citibank account on XXXX XXXX ; however, the payment was not applied to my account and as a result I was charged a late penalty + newly accrued interest when the billing cycle reset. I 've called them multiple times and Macy 's customer service told me they have no record of my payment. They then instructed me to fax in proof. I sent them a copy of the statement I was paying off in full as well as the XXXX check image provided to me by my credit union. To date my account still does not show this payment as being applied. I was told that they do n't have a way of finding out who 's account my payment was applied to - I do n't buy that one second!

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 monetary relief
Consumer complaint received 2021-06-19
Company: SKO Brenner American, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company called Me at XXXX XXXX which is way outside of the time that they can call me they left a voicemail that was automated which is so unprofessional. The main concern is they are calling at almost XXXX oclock at XXXX this is ridiculous and they need to be reported for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal is holding money that 's available in my account. PayPal is h olding money that 's available in my account for no reason. They 're currently holding {$3200.00}. Account ID :  XXXX  XXXX  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 2017-03-28
Company: Navient Solutions, LLC.
State: MI
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 graduated from College in XX/XX/2012. After graduation I was unable to find a job in my field ; but I was making minimum payments on my loans while I was in college. But I was working as XXXX for a XXXX and about 6 months after graduation ; I was contacted by Sallie Mae or XXXX. The representative asked me number of questions about my to income to set up a appropriate payment plan for me. I was told my monthly payment would be close to {$500.00} a month. I said alright. A few days later I was contacted again and told to set up a payment plan again. The first person never told me that she was actually only setting up a payment plan for federal loans. This particular customer service rep continue to tell me that I need to set up a plan very aggressively over the phone. Confused I kept stating I have already set up a payment plan for my student loans ; after about 10 minute the rep finally reveals that oh I am calling about your private loans and you have to pay again close to {$500.00} a month. Making only {$XXXX} a month after taxes more than a {$1000.00} were going towards my student loans and they would n't understand that I was making bare minimum. I had other expenses. Granted I lived at home with my mother ; but I have been suffering from a XXXX for more than 8 yrs ; so I stated I have monthly medical bills. I had to pay more than {$5000.00} for XXXX and {$3000.00} hospital bill and other monthly copays. Soon thereafter I lost my job due to my illness ; so I was being contacted by collection agencies telling me that they were going to start garnishing my mother 's income and confiscate my car. So I had to pay on my credit cards and I told the rep of collection agency ; that I have been very sick and have XXXX. But she did not care and continue to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
false home address shown on XXXX  XXXX  and XXXX  reports ... False hard inquiries starting on XX/XX/XXXX to XX/XX/XXXX I did not make on all reports..Contacted by Missouri family services my name was used to illegally get food stamps and help I live in another state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: American Credit Resolution, Incorporated
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Noticed this on my credit report and descreased my score substantially. I dont have an account with AFNI. 

XX/XX/2021 Major Derogatory AFNI, INC.

It looks like your account with AFNI, INC. received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: I.C. System, 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:
Wrong name on bank account, never have opened account at XXXX XXXX XXXX  and never had XXXX XXXX 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 2021-06-20
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:
Wrong name on bank account, never have opened account at XXXX XXXX XXXX and never had XXXX XXXX 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 2022-02-14
Company: Capio Partners, LLC
State: GA
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 recently ordered a copy of my credit report and the bad score that I had thought was due to not having I established credit I found out was due to Numerous things on my credit report that was not me. There are six visits  to the emergency room in XXXX on my report I have not been to the emergency room since I lived in XXXX in 2009 I had a baby thats the last visit Ive ever had to the emergency room. Also there is something on there from XXXX XXXX I have never had cable from XXXX the last time I had cable television was in XXXX XXXX Im in the midst of trying to make a police report and get this handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a Navient private student loan that was co-signed by my paternal grandfather aunt in XX/XX/XXXX for {$16000.00}. I have been paying an interest rate at 8.625 % since XX/XX/XXXX. The interest type is variable. I completed graduate school to become a XXXX in XX/XX/XXXX. Prior to completing school, I was required to pay monthly interest payments of {$110.00}. Upon graduating XXXX school, I had to pay interest + my monthly payment. I could not do so. Since XX/XX/XXXX, I have secured employment, but was unable to pay the full amount. I explained this to Navient on multiple occasions. I inquired about consolidation and income-drive repayment plan due to only making {$42000.00} a year. They said those were not options for my loan. I stated my federal loans were consolidated. Again, Navient stated the loan I have does not allow me to consolidate or complete an income-driven repayment plan. Navient has caused tremendous amount of XXXX on myself and my family. I have no financial help to keep up with payments, nor is the loan decreasing. My current amount in XXXX/XXXX/XXXX due is {$17000.00}. Both my grandfather and aunt of passed since XX/XX/XXXX. I was not there when my grandfather took out this loan. My grandfather, XXXX was from XXXX XXXX. He did n't read XXXX and XXXX was his first language. I honestly feel like he was directed into signing something he did not understand. He wanted me to finish college and I could not do so without a loan, which makes all of this even more sad if Navient did this to make more money. I saw Navient in the news and wanted to file a complaint. I knew something about this loan was not right, but I am not a finance major. I work with XXXX-XXXX year olds with XXXX and it never crossed my mind I could have been wronged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Initia lly Navient force d me into default by delaying the processing of my valid renewal application for income based repayment, which I had qualified for in previous years.   Overnight, my required payment ballooned from {$120.00} to {$800.00}, which I could not afford, as I was still unemployed, having been the victim of a fraudulent scho ol (   XXXX   XXXX   ). Onc e my student loans were in default, I was no longer able to negotiate an affordable payment, nor am I able to consolidate any of my loans or lower the interest rates. As a result, I now have multiple student loans in the amount of over {$100000.00}, which is more than double the amount I originally borrowed, with interest rates ranging fr om 11 to 6 pe rcent.     Recentl y, Navient notified me a fter the fact, that they had intercepted my state tax refund, without providing any information about how to recuperate the refund while the debt is being disp uted. Navient has kept my loans broken up into at least 14 different loans, each at a different interest rate, and I have no control over which loan the intercepted tax refund will go to pay, which means that Navient can put the intercepted funds to their advantage by applying it to whichever of the loans they prefer, to extend the term and amount of my debt. Navient has also sent letters to me indicating that any failure to reply in writing within 30 days constitutes a waiver of my opportunity to contest their claims, which violates the The Fair Debt Collection Practices Act prohibition against construing the failure of a consumer to dispute the validity of a debt as an admission of liability in section 809 c.      For the past few years,  XXXX   XXXX   XXXX   XXXX  acting as a debt collection agency for Navient, has repeatedly violated my rights under The Fair Debt Collection Practices Act. I have been harassed with daily phone calls from  XXXX   XXXX   XXXX  at all hours in the early morning and late at night which is a violation of secti on 805 a. 1. I ha ve been contacted by  XXXX   XXXX  from the same phone numbers with which  XXXX   XXXX  has contacted me legitimately, where the caller refuses to identify themselves and refuses to identify their employer, which is a violation of sectio n 804, part 1. These phone calls have involved the caller illegally communicating to the unidentified person receiving the call that I owe a debt, using my name, which is a violation of section 804, part 2. These phone calls also involve disclosing the existence of my debt with third parties, including my friends and family, a violation of section 805 b. These phone calls ha ve disclosed my personal information to the unidentified recipient of calls, including my full name, my home address, the name of my bank, my date of birth, and the school I attended, which could easily lead to the theft of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX, debt collector, obtained mortgage after default, sold my property on XXXX XXXX, and denied my loan modification XXXX XXXX, both 2015 in the name of the trustee who could not receive transfer of the mortgage due to default of said mortgage, XXXX filed foreclosure complaint without any default judgment or judicial process.

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 2015-10-04
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been disputing my credit file with XXXX, XXXX  and Equifax  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation