BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have gone back and forth with both XXXX and Equifax credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS XXXX XXXX XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named " XXXXXXXX XXXX, '' rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. 

We noticed the fraud a few days after XX/XX/XXXX and contacted Ally Bank, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with XXXX XXXX XXXXXXXX, the depositing bank, communicating the fraud and request a return of funds. 

As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. 
Ally has not given any indication of timing, and XXXX XXXX XXXX ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. 

These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.

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 2018-05-30
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I made transfer to myself by mistake on XX/XX/XXXX in the amount of {$72.00}. I then call in on XX/XX/XXXX once I realize the mistake and the fund has not been return to me.On XX/XX/XXXX Western Union responded to my complaint saying send the a copy of my bank statement that I provided them on XX/XX/XXXX and re email it in XX/XX/XXXX do to the fact that I did not hear back from them. So I call back on XX/XX/XXXX the customer service rep stated that it was received on XX/XX/XXXX and if it wasn't refunded by XX/XX/XXXX. To give a call back that I didn't and another customer service rep said that it has not been work on give them today it been well over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This complaint is in regards to my daughter 's dealings with XXXX  ( formerly Sallie Mae ). She completed her XXXX XXXX XXXX in XXXX of 2019. Starting in XXXX of 2019 XXXX  was demanding that she pay $ XXXX/month for her loans. There is no way she could pay that amount. Numerous phone calls were made to try to arrange a different payment option. At one point they told her that she needed to let the loan become delinquent and then they could offer her other repayment options. When she did that and called them she was told they couldn't help her until it was brought current, after which she was again told there was nothing that could be done to change the repayment amount. We called XXXX XXXX XXXX  and they were willing to refinance but my daughter would need to show that she could make the payment herself without a cosigner before we could cosign for her. Now this has fallen onto my Father in law to repay since he co-signed. He is now retired and its draining his retirement funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Payward Ventures Inc. dba Kraken
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.

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 2020-09-30
Company: GOLDMAN SACHS BANK USA
State: WY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online. 

We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account.

We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX. 

Then I transferred {$100.00} back to my external checking account and all was fine.

We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked.

I called their help line and was transferred to three different agents
who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire.

After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed.
They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WESTSTAR MORTGAGE CORPORATION
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
WestStar Mortgage Corporation sent me a bill for my mortgage payment due in XXXX that did not arrive until after its due date. I paid the bill in a timely manner, but was still charged a late fee. 

Prior to receiving the late bill in the mail, I contacted WestStar Mortgage to tell them I had not received the bill. I was concerned that it was going to be late and wanted to let them know that I would pay it as soon as I received it. 

After the late fees were issued, I called and left several messages for someone named XXXX that was supposed to be helping me. There was no communication from her. I'm still told that the best approach is to leave her messages even though there is no communication back. 

I tried to proactively set up online payments to avoid paper bills from WestStar that frequently days before they are due. WestStar mortgage continued to request that I send an email to them with my social security number and account information. This is not compliant with any requirements regarding the protection of consumers personal identifying information. I told them I was not comfortable doing this. After several calls I was able to enroll in a third party online payment service. I know I am not the only person who has had this experience with how WestStar is doing business. They are using " slow mail '' as an excuse to charge late fees and not working with their customers on alternative payment methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PNC Bank N.A.
State: NY
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 been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I XXXX and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was due yesterday XXXX/XXXX/17, it was {$730.00}. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: A-1 Premium Acceptance, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2020 I reached out to the company trying to get help considering I lost my income due to covid. They didn't attempt to answer any questions or help in anyway and then proceeded to charge me almost double my payment amount on XX/XX/2020. 

On XX/XX/2020 I reached out to the company again as I am in dire straights and asked to have my ach authorization revoked as I could not afford overdraft charges. The lady was short and rude. She stated she could not help me it was against company policy. I asked to speak to supervisor in which she said they didn't have one. They sent me to XXXX which whom I did not know her position. I asked if they had a legal department I could speak with again being told they don't have that and that I could not get a due date change or my authorization for 5-7 days. They were going to take my money anyway after trying to deal with this for two months. They bombard my phone with texts, emails, and calls. They are rude and unprofessional and their interest rates are appalling. I paid at least XXXX a month for almost 12 months on a XXXX dollar loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated from underdrad and was only making {$14000.00} a year and could n't afford my payments. I went back and got my XXXX XXXX so I could make more money, only due to an ill child, I could not work or find work to accommodate my schedule with my child. I was told that I had to stay on forbearance and my interest kept building. I am now at over {$170000.00} in debt. I will never make that much. I 'm a social worker-not a doctor. My forbarrance is over and I 'm in a bind. I have asked about small payments-they want me to now pay {$1600.00} a month-I can not afford that-they are calling me day and night. I have an ill child and am caring for my XXXX old dad. They do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX repeatedly calls in the early morning hours and/or late at night. I live with roommates and whether I or they answer the phone, the company does not respond even after being repaetly asked " Hello. Hello ''. When they do answer, they have once asked for someone not living at our residence and the other time, they hung up on my roommate before she could ask who was calling for me. The only reason I know its a debit collector is because I Googled the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I recently made a large lump sum payment to my student loan. I called Navient ahead of time to confirm that this would decrease my monthly payment amount. The representative stated that it would, and estimated that my payment would decrease from $ XXXX/month to approximately $ XXXX/month. She stated that I should contact Navient after my lump sum payment went through to request a new payment amount. 
When I did so, I received a form-letter email stating that lump sum payments would not typically reduce the amount of the monthly payment, but would decrease the term of the loan. The email said, however, that Navient would honor my request and send me a followup letter when the new amount had been calculated. Instead, the followup email again denied the payment decrease. I called Navient today and spoke to a representative, XXXX XXXX XXXX? ), who consulted with her supervisor, then explained that there had been an error processing the request. She promised to correct the error. Instead, once again I got a form-letter email stating that the monthly loan payment would not be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a copy of my credit report and noticed that TransUnion was reporting tax liens. I then sent dispute letters to TransUnion to get verification of these tax liens that are showing on my credit report. I received letters back from Transunion stating that these liens had been verified. I immediately placed a call to the courthouses and verified that they do not report to Credit Bureaus so I requested the method of verification since Under FCRA , sec 611 ( a ) ( 6 ) and ( 7 ) I have th e right to request the method of verification from the credit bureau. And if they can provide me with the information they need to remove this tax lien. They have not provided the method of verification.

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 2016-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent dispute forms to all XXXX credit reporting agencies notifying them that I have consolidated and paid off this student loan and to update the account, I received back a letter saying the debt have been verified.

Company response to consumer: Closed
Consumer complaint received 2016-03-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a dispute to have an old XXXX XXXX Credit Card Removed from my Equifax credit report that was past the Statute of Limitations reporting period. 
This account was previously reported as closed by Equifax with the last date reported by XXXX of XX/XX/XXXX. No information updated or received after XXXX/XXXX/XXXX, account closed in XX/XX/XXXX, last activity in XX/XX/XXXX. 
Dispute verified received by Equifax on XX/XX/XXXX. Second notice that Equifax was investigating dispute received XXXX/XXXX/XXXX. 
I received notice that my Equifax account status had changed from a third party credit monitoring service, XXXX on XXXX/XXXX/XXXX. 
Checked with credit monitoring service and saw that Equifax had changed status of XXXX account from closed in XX/XX/XXXX to currently " Open '', " Past Due '', and " Sent to Collection '', which greatly impacted my credit score causing severe damage to my credit. 
I spent over 90 minutes on XXXX/XXXX/XXXX waiting for a live person to speak to at Equifax and the representative verified that there had been no investigation results to justify the change in account status, and that there had been no new information received from the creditor since the last date of XXXX/XXXX/XXXX ( Note that the date of last reported by XXXX XXXX changed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX between the XXXX Equifax report dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) when the account was reported as " closed ''. 
I filed an identical dispute with XXXX XXXX for this same XXXX XXXX account on XXXX/XXXX/XXXX requesting that this account be deleted from my XXXX XXXX Credit File due to the reporting period Statute of limitations having tolled and XXXX XXXX promptly confirmed that the account had been closed for more than seven years with no activity and deleted the XXXX account as requested on XXXX/XXXX/XXXX. 
How can Equifax respond to an identical dispute to remove an account that has been reported as closed by all three credit reporting agencies for so long that it should be deleted, by changing the account status to " Open '', " Past Due '' and " Sent to Collections '' while reporting the account as under investigation? They have also arbitrarily re-aged the account as having a last reported date of activity as XXXX XXXX with no new data from the creditor ( still reporting the file as having the last update from XXXX XXXX in XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: National Credit Adjusters, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has repeatedly called me during work hours, after hours of XXXX and as early as before XXXX. They have even called me on XXXX XXXX and have been told they are violating FDCPA regulations but refuse to listen. I have recorded phone calls between myself and their reps asking for them to send me proof of claim on debt and have yet receive anything from them on any debt ( s ) they claim to hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: ASTORIA BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I AM AN VICTIM OF IDENTITY THEFT. AS A RESULT, SEVERAL ATTEMPTS OF OPENING ACCOUNTS ON MY CREDIT FILE WERE INITIATED. PLEASE REMOVE THE FRAUDULENT INQUIRES.

Company response to consumer: Closed with explanation