BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been disputing incorrect information on my credit report. Equifax has not been following the protocols for disputing wrong information that they are reporting. I have received letter from the creditors that information sent to them did not have specific information of what I was disputing ( this was sent to them by Equifax ). The also with out my consent or knowledge put my account on fraud status. I was made aware of this by a creditor and cause time and effort to prove to them I was who I am. I feel this was Equifax retaliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
CRS and XXXX ( XXXX XXXX ) have made many phone calls to my cell phone and work number. They have never left a case number, just said that civil complaint has been filed against me. If I do not contact them, the company has the right to verify my employment. 
XXXX message left on my work number, XXXX, call to my cell phone @ XXXX, call to my work phone at XXXX demanding a responese by XXXX EST.

Company response to consumer: Untimely response
Consumer complaint received 2016-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my mortgage sine XX/XX/2016 with Select Portfolio. 
Its now XX/XX/2016 and still nothing has been done. I followed there instructions of going on to there website and checking on my status loan and the website does not work If I do NOT call them I have NO idea if they need additional information.I have cooperated by sending them any documents that are missing by uploading them because its quicker and they receive it in 24 hours. I call them faithfully every week and they tell me the same thing that every thing is fine your in review and it takes time. Yesterday I was served with foreclosure complaint for the FIRST time and its not even the intent they went right to the complaint and when you call SPS they have no idea whats going on. 
Im upset because I want to save my house and I have followed there direction followed there rules and they never wanted to help me at all. They lead me to believe that they were going to help me and they had NO intentions ever to help me.When I called SPS and questioned the foreclosure complaint they told me to call a certain number and extension and when I called it turned out it was there attorneys office that represents them. The attorney was rude and basically spoke down to me and he proceeded to say that they were n't going to HELP me and that they were ACCELERATING my foreclosure and with in a few weeks I would have a sheriff sale so I should start looking for a new home. 
Why would SPS do all that and lie to me this whole time. I trusted and believed that SPS wanted to truly help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was to be paid by my insurance company at the time. Someone at the hospital goofed up and billed me instead. Since the insurance company was responsible for the debt, not me, I did not pay. I instructed the medical company and the collections agency to contact the insurance company to settle the debt. They did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
For the past year or so I have had a AAA/Bank of America Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Bank of America bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Bank of America, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.

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 2022-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS DISPUTE HAS TAKEN LONGER THAN 30 DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: BB&T CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Recently, I accompanied my mother to a local dealer to purchase a snowblower. The cost was {$790.00} + tax. During the transaction, my mother, who is a senior citizen on a fixed income, asked if the dealer offered free or low-interest financing. We were told we could get the snowblower financed for 18 months at zero interest. We agreed, and the dealer proceeded with the transaction. My mother and I both have excellent credit. Prior to closing the transaction, the dealer informed us that the finance company, XXXX, is charging an additional {$50.00} fee for the financing. We were not provided with another alternative to finance the machine but felt the price of the unit was good, so we signed the paperwork with the dealer. We realized a few days later that this was a mistake. In the meantime, the snowblower had been delivered. 

I contacted XXXX and spoke with a representative, inquiring if the {$50.00} fee could be waived or reduced. The representative told me that they do not do that. I then asked if the financing could be cancelled and was told that the dealer, who had already been paid by XXXX, could return the funds. I then contacted the dealer and asked if he would reverse the payment from XXXX, and I would pay him outright on my mother 's behalf, and then she could pay me back over time ( which is what we should have done in the first place ). The dealer told me that he would need to contact XXXX to see what procedure he would need to follow to return the funds. Upon subsequent follow-up with the dealer, he told me that XXXX told him that the transaction could not be reversed, which is not what the XXXX representative had told me. So who to believe? Now it seems that we are stuck with the {$50.00} fee. 

I realize that, by signing the paperwork to initiate the financing, we do n't have much recourse on getting the {$50.00} back. My complaint, though, is that for an {$800.00} purchase, a {$50.00} " document prep fee '' ( what XXXX is calling it ) is too much. The customer is enticed with the offer of zero percent financing for 18 months, but it 's not zero percent. On an {$800.00} purchase, {$50.00} is actually 4 % annually, no matter what they call it. I believe that this practice is deceptive. Finance companies should charge a stated percentage of the total cost ( 1 %, 2 %, etc ), explicitly stated to the consumer and not say that it is 0 %, get the customer excited and then say, " but you have to pay a fee. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Metro Collection Service Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
So Hi my name is XXXX XXXX and Metro Collections SVC XXXX XXXX XXXX XXXXXXXX in XXXX XXXXXXXX just reported this XX/XX/XXXX XXXX was way back in XXXX XXXXThe landlord and I had gotten into it and she callled the cops on me and there was a report made and the cops knew they were wasting their time talking to me about what she reported.So she kicked us out because she didnt like us and I didnt have money or know what to do so we just just let her kick us out to avoid further problems.And now shes put it on collections and is ruining my credit after she illegally kicked us out because she didnt like us.Im unsure of where to go about this but its messing up my credit and collections and its completely wrong and disrespectful after she illegally kicked us out that shes doing this to us.Im at a loss and dont know what to do PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Nicholas Financial Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXX Nicholas Financial refused to process my payment, thus pushing my loan into default and showing a late payment on my credit. It ' ; s important to know that, I had restricted from making payments online, even after I asked that the problem be corrected, so I was forced to email a representative when I wanted my payments withdrawn. I have an email showing that my payment was not taken out as instructed. After my loan defaults, I find out that I was not only over charged, but that these people have committed fraud against me. First, I never gave permission for Nicholas Financial to run my credit in XXXX of XXXX. No one asked, they ran my credit even though I financed my car in XXXX XXXX. I want that inquiry removed. Also, that amount shown on my credit report of {$8700.00}, reported by Nicholas Financial, is incorrect and should also be removed from my credit. Nicholas Financial has passed off a insurance fee, which is not valid, as the policy was canceled at inception ( it never was in the insurance world ), yet they have charged me and demanded that I show proof of insurance to them! It's crazy. The issue is, there was never a policy so why am I being charged? Further, as per the insurance rep that I was directed to, the policy premium was refunded to Nicholas Financial in full. This is fraud! I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Navient Solutions, LLC.
State: AR
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 received a letter from XXXX XXXX which was an offer to settle my student debt. When I called the given number on the letter they proceeded to transfer my call and then giving me another phone number to call to settle my debt. I do have the letter they mailed to me and my page of notes, numbers and doodles, while trying to settle a debt in good faith. They cashed my check and then sent me a new notice with the balance being what they supposedly had written off to settle. Now they are harassing me again. At the same time as this I paid off my other student loan account as well as numerous other credit cards and doctor bills. I did this in good faith with the people my husband and I owed. I sold off heirlooms and sentimental objects to do this because I was facing XXXX and did not need or want the XXXX of what I owed hanging over me. Please make them stop. XXXX XXXX/Navient/XXXX XXXX and now /something totally new. I did what I could and I have nothing left. They offered a settlement, I took it, now they want more. Help me please. I have had my XXXX and they are bombarding me with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-14
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment of {$360.00} ( XXXX XXXX ) was made online on the XXXXXXXX XXXX XXXX XXXX Website on XX/XX/XXXX. The payment was processed using the only payment source on file with the XXXX XXXX, a source that had been used for at least the prior XXXX payments. The XXXX XXXX notified me that the payment failed due to " ..the account not being able to be located. '' The XXXX XXXX 's reference account number for my payment source ended in XXXX digits that are NOT the XXXX digits that my account number ends in, but the correct XXXX digits appear on all previous payments that were successfully processed. My payment account information had been deleted after the XXXX XXXX payment failed. The original Account XXXX was re-entered, a payment made, and the payment went through. The XXXX XXXX can not verify the source of the incorrect account number it used to process the payment ; my husband and I have no accounts that end in those XXXX digits. The XXXX XXXX has failed to accept responsibility & has charged a fee of {$30.00} for the failed payment, plus additional fees and interest on the balance that was submitted for payment on XX/XX/XXXX. We seek a credit of those fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-25
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2017-02-21
Company: Navient Solutions, LLC.
State: NY
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:
My mother sent a check for {$14000.00} to Navient to pay off my student loan debt. The check was cashed by Navient on XX/XX/XXXX, 2017 but has yet to be credited to my account. I have contacted Navient on XXXX different occasions and they have yet to credit the money to my account. They claim that the check was going to be refunded to my mother, because they did not realize it was for my account but then they realized it belonged in my account, and now are in the process of crediting it to my account. However, they have been saying the same thing for 22 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Nelnet, Inc.
State: PA
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:
Through learning of a different student loan company being sued, I learned of this resource and thought I would attempt to have an old issue resolved. A long time ago, I made XXXX payments of {$50.00} each that were taken out of my bank account and never appeared on my account as a payment. Not long after realizing the payments never appeared on my account, I contacted Nelnet and was directed to the part of the website where I could view my payment history ( which I had obviously already seen if I knew the payments did not post to the account ) and was given generic information about payment processing times ( which had long since past ). Frustrated, I had long since given up on getting this resolved, but in light of the news about another student loan company systematically mishandling payments, I have decided that I do n't want to allow this problem ( and my hard-earned money ) to just disappear. 

The first payment, made XX/XX/2015, had a confirmation number of XXXX. The second payment was made on XX/XX/2015 and the confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company prince parker has called multiple times about a debt of now XXXX it originally when they started was XXXX I have told them I do not ow this debt and I have contacted XXXX and XXXX XXXX given them the information they gave me and repeated time have told me I do not ow any money to them. I have told them to stop calling me and they continue to do so. Today I got the information to dispute the debt and have done so with the email given to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BANK OF AMERICALOAN # XXXX XXXX INVESTOR ESCALATION NUMBER # HomePath Inquiry : Case # XXXXPROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX : To whom it may concern : On XXXX of 2015, my title company submitted a short sale to Bank of America, ever since then it has been nothing than a nightmare ; if it was n't for the persistence of the negotiator from the title company, my home would have been foreclosed. Bank of America made mistake after mistake, finally we received a short sale approval on XXXX/XXXX/15, the Title company 's negotiator sent the approval to the buyer as the XXXX XXXX requires a copy in order to process his Condo approval application, this was on XXXX/XXXX/2015. 
The file was transferred to closing to order estoppels from the condo HOA. and the approval expires on XXXX. 
The title company 's negotiator received a call at:XXXX from XXXX XXXX XXXX arepresentative from BOA XXXX stating XXXX the investor, was selling the servicing rights of the loan to XXXX XXXX XXXX XXXX/XXXX/2015 and that we MUST close by then, otherwise we needed to deal with XXXX XXXX and start all over from the beginning. 
I am in tears, I am a single mother with XXXX elderly parents and a small child, we applied to an apartment on XXXX, when we received the short sale approval from the bank. 
This is not a fair resolution from these financials institutions, to tell us get up and leave or you lose the short sale, is less than 7 days, there is a {$10000.00} deposit from the buyer on the unit, the buyer can not close until they are approved by the Association otherwise the transfer of title is not legally completed. 
I am asking your agency to intercede on our behalf, the title agent has disclose you have strict regulations on time frames as to before the submission of a Loss Mitigation options as well as time frames after approval has been issued. 
How can they just go up and sell the loan to a servicer than according to my agent is known to foreclosed on the properties and not honor approvals. 
I do not know what to do, we fought so much to move this forward, now they want to take this away, is time these institutions get fined for taking advantage of consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX  and  XXXX   XXXX  for some odd reason a company named  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  had  XXXX  inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.

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 2017-01-21
Company: Navient Solutions, LLC.
State: NY
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 was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.

Company response to consumer: Closed with explanation