BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-18
Company: Second Round Limited Partnership, Austin, TX Branch
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This creditor called " XXXX '', say that i owe them XXXX dollars of items that i have no idea what they are talking about, and it happen XX/XX/XXXX -XX/XX/XXXX i have know idea who stole me Identity was stole about that time dealing with a Tax issues thats the only time that i knew of any Idenitiy fraud. So debt collector called Second Round LP send a statement of payment to me thats when i contacted Bureau of Consumer Financial.

Company response to consumer: Closed
Consumer complaint received 2015-06-16
Company: Coast to Coast Financial Solutions, Inc.
State: NV
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:
The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refininance and Lakeview still insisted on taking a payment when none was due. By law they were required to send the refund within 15 days. It still has not been sent.

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 2017-01-25
Company: SLM CORPORATION
State: WA
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:
I 've called Sallie Mae a few times now to try and get an extended loan for lower monthly payments. They will not offer me this, they instead tell me my two options are putting my loan into forbearance for three months if i pay them a {$50.00} " good faith '' fee OR if i just flat out do n't pay my loan a collection agency will call me and help me set up a payment plan. Both of these options only hurt me and help them in the long run. How are they allowed to try and force me into collecting large amounts of interest or late fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: SLM CORPORATION
State: DC
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:
I signed up for auto payment on my Sallie Mae account, to take advantage of the reduced interest. Because Sallie Mae does not allow me to set up my own auto payment amount, the {$25.00} dollar payment is not enough to cover the interest. So I have tried to ways to make additional payments to pay down the principal. One way is through the Sallie Mae site, but my payment was used for interest. When I called Sallie Mae, they said that it was because I paid before the due date that I should use my banks Bill pay. I have now used my bank bill pay, and my payment was still used for interest. I called again and Sallie Mae stated that it is because it was a day after my due date. I have auto payment so I do n't understand how my additional payment would be used for future interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have joint checking account with mother who recently passed away. Approximately XXXX in account. 
XX/XX/XXXX : Received letter from Valley National Bank, XXXX, NJ which advised account would be frozen/hold until State required forms are completed. Gave me phone number of branch and CS. 
XX/XX/XXXX : Called both and was told I must come to branch with death certificate and ID. I advised nearest branch is 20-30 minutes away and have not been going to local branch since relocating in XX/XX/XXXX. 
Advised I would fill out any form required by LAW and send back to bank with death certificate. Was told must physically come to bank and NO supervisors were available to speak with me. I asked what law but both CS and branch could not provide the statue. What do elderly or XXXX individuals do, does the bank just keep their money?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I attempted to log into my PayPal account because my bill was due. Having issues I called to get help. After I was able to successfully reset my account, I logged in and noticed that my account balance was higher than it should have been. I immediately called costumer service again to report the fraud. I was later emailed that my fraud request was denied because the charges were " not unauthorized '' even though they were. I filed a report with IC3.gov giving my information because the local police department didn't help. I also called PayPal again to try to get an explanation ; no help. 

These are the dates and charges that I am disputing : XX/XX/2021 - a payment to " XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$200.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$50.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$10.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$30.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$240.00} XX/XX/2021 - a purchase from XXXX in the amount of {$340.00} None of these payments or charges are mine as I do not know a XXXX or XXXX XXXX ; I also thought my account was locked when I made the original claim on XX/XX/2021 but PayPal did not lock the account as requested as the obvious payments that took place after.

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 2017-01-12
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal Holdings Inc. has suspended my account without giving previous warning, nor have the given justification. They have tied up {$1800.00} in funds and are threatening to not release those funds for 180 days. There is no way to contact them over the phone in regards to this matter to get this sorted. I would also like to point out that, at this time, there is a large settlement made in a case exactly like this one. While I 'm sure the settlement places no fault on Paypal, the rationale behind paying out a large settlement is a pretty good indicator of the vague legality of this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that XXXX  and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and XXXX XXXX XXXX  are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and XXXX XXXX XXXX  made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal 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 explanation
Consumer complaint received 2015-08-27
Company: Credit Card Receivables Fund Incorporated
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
I have had a XXXX XXXX account since XXXX. My account has always been current - as a XXXX studentXXXX and professional. My current balance is {$19000.00}. 

I was laid off from my job in XXXX, XXXX. I contacted XXXX regarding my job status in XXXX, XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ 97 monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. XXXX did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XXXX and XXXX sold my debt to Unifund CCR , LLC in XXXX, OH. I am still unemployed and they served me court papers recently informing me that Unifund is suing me for approx. {$22000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Performant Financial Corporation
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My wages are currently being garnished regardless of my attempts to rehabilitate my loan. I first received notice of potential wage garnishment XXXX XXXX. I immediately contacted the number provided. I was sent to a voicemail and left my contact information. I also logged on to my XXXX account and made a payment. I never heard back. I was notified by my employer in XXXX XXXX that my wages were going to be garnished.

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 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX Transunion, and XXXX but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.

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 2021-04-22
Company: EQUIFAX, INC.
State: NC
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 recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I called Fay Servicing and they said they received the loan modification packet and it is in review. I informed them that I have a sales date on this coming MONDAY XXXX XXXX, 2015. I was connected into the recorder of the person named " Grant '' who handles my file but he was not there? So I left a message! 
DUAL TRACKING -- DUAL TRACKING : By failing to adhere to both California law and the rules under CFPB, The party ( XXXX ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest. 
Please inform Parties as to their deficiencies. 
Sales date : XXXX/XXXX/15Loan number : XXXXFay Servicing, XXXX XXXX XXXX, XXXX XXXX, IL XXXXFay Servicing Account number : XXXXTrustee : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: PLAZA HOME MORTGAGE, INC.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account through Plaza Home Mortgage. They have yet to pay my property taxes or conduct an escrow analysis, which I first requested in XX/XX/XXXX. They have yet to respond to two e-mails despite the first e-mail sent on XX/XX/XXXX informing me Id receive a response within 5 business days. I need to know my property taxes will be paid and not delinquent, and that the reduced amount of my tax burden is reflected in my monthly escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received a brinks money prepaid debit card with a routing and account number, not sure how or why, i didnt sign up for anything and i dont have a bank account yet.

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 2015-08-31
Company: SUNTRUST BANKS, INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Debt was the result of an identity fraud from a bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: AES/PHEAA
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:
PHEAA had my wages garnished from my pay leaving me with less than $ XXXX/month to provide for myself and my child. I made several attempts to talk to their loan default department and stated that I fell below the Federal XXXX and was making it impossible for me to care for my child. They refused to help me. My Federal Income Tax return was offset by over {$4000.00} on top of the wage garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I ca n't get in contact with this servicer! My pay date is coming up and I am unable to pay it due to the technical difficulties on their end. Why should I be penalized because their technology does not work?! They 've already destroyed my credit for reporting my student loans without my knowledge and by not letting me know my repayment terms. 

What they do is put their information about repayment on their site and make you sign up for it. So, if you have not received any notification or mail from them ( you 're automatically on an e-bill only cycle ), you 're XXXX. You have to register an account with their site to see any notifications. I did not even know who my servicer was until 120 days after my bill was due! This servicer XXXX. They denied my income repayment request, in an attempt to drop my payments from a ghastly {$500.00} a month ( well over XXXX % of what I take home a month! ). I had to call late to work and beg these XXXX to not to destroy my credit even further and I finally talked them down to a temporary forbearance and a repayment plan that worked. This took 7 hours. They denied my credit fix request outright because they think I 'm supposed to be psychic and know that I had to pay the loan XX/XX/XXXX when they did n't even contact me until XXXX XXXX! Now my credit is XXXX points less than it was and I do not even know how to proceed to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Reverse Mortgage Solutions, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender has refused to postpone the foreclosure sale to allow the client time to refinance her reverse mortgage loan - They have not provided the client any resolution options prior to the XXXX sale being active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Issue: Application processing delay

Complaint:
On XXXX occasions XX/XX/XXXX and XX/XX/XXXX First Bankcard, XXXX. XXXX XXXX, XXXX XXXX XXXX charged my account a late fee plus interest and then revolving account interest the following month for payments that were sent via on-line banking and received by First Bankcard on or before the due dates above. I always pay 100 % of the balance due each month. In the first instance for the payment due XX/XX/XXXX, First Bankcard credited my account for the late fee and interest when I provided evidence that the payment was deducted from my on-line checking account on the due date, but not posted to their system until the following business day but they have not credited the interest charged the following month ( statement dated XX/XX/XXXX ) of {$38.00}. More recently, the same set of events occurred on XX/XX/XXXX and involves a {$26.00} late fee, {$71.00} interest in their statement dated XX/XX/XXXX and an additional {$62.00} in interest on their XXXX statement. First Bankcard Customer Service XXXX refused to credit the XXXX fees and interest because they had already done this for me once - without regard to the fact that they obviously have a cash posting problem since this has occurred twice in the last XXXX months. I have written XXXX XXXX complaint letters on XX/XX/XXXX and on XX/XX/XXXX outlining in detail the circumstances mentioned above and have not received any response. I communicated ( message reference number XXXX ) with First Bankcard Customer Service on XX/XX/XXXX to find out if they had received my letters. The response was that there were no notes on my account as to the letters or who may have them or if any action was being taken to correct the billing on my account. I have discontinued using the First Bankcard XXXX card and have left a balance of {$190.00} on the account the represents the erroneous late fees and interest mentioned above and have advised them that I will not pay for the fees or for any late fees or interest going forward. 
I have used credit cards from various banks for years and have been using on-line banking since the middle XXXX 's and have never had this happen once. This has happened at First Bankcard XXXX in the XXXX months. Probably happening to more people than just me - concerned that they are making money by not posting payments promptly when they are received - and then refusing to credit the late posted payments. In both cases, the payments were posted the next business day following the due date. I actually began scheduling the payment to them XXXX day in advance of the due date since the XX/XX/XXXX incident to provide more time for them to post the payments. The XX/XX/XXXX ( a Friday ) payment was actually scheduled in my on-line baking account to be paid on XX/XX/XXXX ( Thursday ) but was not posted by First Bankcard until XX/XX/XXXX - Monday. It was sent by my bank on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-23
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 is missing that should be on the report

Complaint:
Transunion not reporting rent history that they do for others when requested fair housing act FCRA violations see attachments for proof of history

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