BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed {$2600.00}, became ill, not working. Lending company got judgment against me for {$5000.00}. Garnished my wages for {$150.00} per month for the last XXXX months. My payroll company stop the garnishment after {$4000.00} was paid ; now they are coming back to garnishing my wages again for another {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankrupcy on XXXX XXXX, had meeting on XXXX XXXX. No creditors showed. The doctor resumitted his bill to my insurance for XXXX/XXXX/2014 and was paid everything owed except XXXX of the bill which I already had added to my backrupcy for XXXX. So the collection company is trying to get more than what is owed, on top of trying to collect a debt that is going to be charged off. They never filed anything to dispute the banckrupcy. I recieved another letter to collect XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

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 2015-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
transunion credit bureau has me at a very low score on my credit report ... .i want to know why

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit history is rated unfairly. My oldest credit card is 30 years. I have had XXXX inquires XX/XX/XXXX and received a " C '' rating for this. I have XXXX derogatory comment with a notoriously fraudulent company. I have 100 % on time payments for over 30 years, credit utilization of 4 % and available credit of {$50000.00}. My credit score remains at XXXX, and as you know this is too low to receive good credit rates. For some reason there is discrimination against me with the credit reporting company. I am an older American and take my credit rating very seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: National Credit Adjusters, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
A complaint was filed last year XX/XX/2020 against National Credit Adjustment and they indicated they would send validation of the debt. They responded that they were requesting documentation from the original company and would forward the information to me. I HAVE YET TO RECEIVE ANYTHING FROM THAT COMPANY!! I also send them a letter last year requesting the information and still nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.

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 2021-06-21
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two USBank credit account were opened in my wife and Is name. They are not will to budge with us that these are identity theft accounts. Claiming we opened them. Which we did not!

They are listed as Chargeoffs on my credit report. I pay all of my credit accounts on time. If I had opened these accounts. They same would have been done with theses.I have filed a police report and FIC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: NATIONWIDE ACCEPTANCE LLC
State: LA
Product: Credit card
Issue: Transaction issue

Complaint:
On one previous occasion I paid my fianc car note for him ( recorded consent with rep ) with my credit card but later that year ( 2016 ) during the holidays I checked my card for unauthorized charges & there was one from my fianc car note company which I had not authorized!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sequium Asset Solutions , LLC has sent me a letter. They state that I owe {$150.00} for an account that doesn't belong to me. The Creditor they claim I owe is XXXX XXXX. The date they have on their letter is XX/XX/21. I have mailed them a letter via certified mail asking that they send me proof that I owe this debt. Sequium Asset Solutions , LLC has failed to do that. They had 31 days to respond to my letter and they failed to do so.They have spelled incorrectly in their letter. Because that isn't me who owes the debt. Now their destroying my life because they put a derogatory remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CURO Intermediate Holdings
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have asked the collection company to get this validated and they indicated they were reaching out to the company that was over a year ago, I want XXXX XXXX to validate this debt. If this was mine there should be something on their file with my signature. I want that evidence ASAP! this thing goes from collection company to collection company always with a new open date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2015 I received a call from XXXX XXXX of Ability Recovery Services LLC about a possible debt. She sent me a bill for the amount of {$400.00} and a letter notifying me I could dispute the charges. On XXXX XXXX, 2015 I replied to XXXX with fact information regarding the account in questions claims that I had paid for the services rendered. 

A few weeks later I received another call from XXXX that she could not validate the account. She also claimed that 'Store It All ' whom claims this debt was to submit her contract information which I had asked her to send me when she received it. 

On XXXX XXXX, 2015 while trying to refinance my home it was brought to my attention that Ability Recovery Services reported this so called debt to the credit bureaus without validating the debt. 

On the evening of XXXX XXXX I tried getting in touch with XXXX but spoke with a XXXX XXXX of Ability Recovery Services whom was verbally aggressive and refused to validate the debt and demand I just pay this debt. I will not tolerate this abusive behavior from any business. I strongly believe Ability Recovery Services is in violation of the FDCPA and needs to be investigated. 

On XXXX XXXX, 2015 XXXX XXXX from ARS LLC returned a call I made and made me aware she has take over this debt and XXXX is no longer there. XXXX also gave me a hard time about validating the debt and I advised her of violating the FDCPA. I explained to her she legally has to provide proof of validation. She told me " that it will remain on my credit report and I have to pay the debt '' and then she hung up on me like everyone else there when I strongly ask for debt validation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: Eagle Home Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I purchased a home from XXXX in 2006, and Universal American Mortgage XXXX handled the mortgage. I recently became aware that the second mortgage principle balance was not being reduced much, and that the mortgage was structured as a " balloon ''. The second mortgage is a 15 year loan, so I thought that after 9 years worth of payments ( 60 % thru the loan period ) that my outstanding balance would be approximately 40 % of the original loan amount XXXX {$72000.00} XXXX. Unfortunately, my balance is $ XXXX XXXX 93 % of original loan amount ). We were able to refinance the primary mortgage under HARP after the loan was foreclosure-bound due to the annual rate escalations. 

My wife and I feel we have been taken advantage of ( robbed XXXX by Universal. I did n't realize that 14 years of payments would total $ XXXX ; only to still owe an additional $ XXXX XXXX $ XXXX total ) on a loan amount of {$72000.00}. Is this fraud?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Ditech Financial LLC
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
XXXX XXXX 2016 Consumer Finance Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IA XXXX XXXX : Case # XXXX, and XXXX To Whom It Will Concern : I am a homeowner who had repeatedly appealed to your office regarding the intentional bad-faith and fiscal malevolence enacted upon me by Green Tree Servicing/DITECH ( GTS ), as well as XXXX XXXX XXXX who sold my home 's mortgage to Green Tree while telling me my hardship-driven XXXX loan modification application was continuing being processed ( as I had been told repeatedly for the preceding approximately 18 months prior to the note-holding sale to GTS ). 

As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX, and then subsequently that I had submitted to GTS when they flat-out refused to recognize the original modification with XXXX and insisted that I re-submit my request with them. 

After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress, coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments, I was finally able to extract myself from this XXXX and get my home loan refinanced by XXXX XXXX XXXX XXXX XXXX last winter. 

However, I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive " lending practices '', and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever, and am writing to inquire XXXX of that decision 's status, and to inquire how I as a genuinely impacted citizen and homeowner ( and, XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long, got away with. My credit, my personal standard of living and my health continue to have deeply detrimental consequences from this living nightmare. 

Writing once again, appealing for your assistance in my quest for justice ( restitution ) pursuant to the misdeeds I endured from these lenders ; I humbly ( but with apprehension and continuing anxiety ) await your response. 

Thank you in advance for your time and assistance. 

Respectfully

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian website will not allow me to place a security freeze on my account. When I call to place one by phone, I am told that I can't speak to a person and am only given the option to place a freeze on the website or by mail. I am not comfortable mailing the documents they are asking for, which seem to be more than is necessary.

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 2017-02-22
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SY plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one accounts and the inquires.

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 2017-01-22
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
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 status incorrect

Complaint:
UPDATE : Submitted a complaint about Chase credit cards that I've closed and never requested replacement cards for and frivolous charges from XXXX. They have closed both XXXX & XXXX and opened a new card ending XXXX in lieu of the XXXX card. A card I've never had in my possession, will never see, nor requested. They wrote because accounts were reported lost/stolen. A lie!!!! I simply closed both accounts due to frivolous activities that I had to pay for that I wasn't responsible for. They are maliciously closing/opening accounts/false reporting to the credit bureau ( s ) to hurt my credit which is excellent. Chase should be investigated as I believe they are not good for business.

Company response to consumer: Closed with explanation