BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loan Origination/Information Date ( s ) 1 ) XX/XX/XXXX for {$24000.00} with an interest rate of $ 13.5 % over 180 months. 
Balance is now {$41000.00} XXXX ) XX/XX/XXXX for {$25000.00} with an interest rate of 11.375 % over 180 months, Balance is now {$36000.00} I'm still in school ( had XXXX XXXX in XXXX causing me to miss quite some time ), and had no idea they began charging interest immediately. My major is XXXX as a XXXX XXXX, and I'm taking one class, and am a XXXX XXXX currently. I will be a XXXX XXXX for the XXXX XXXX to complete my education. My grandmother is the co-signer of the loan. She is XXXX, in poor health and on a fixed income, and is XXXX XXXX XXXX  When She calls in, she can never get through the verification process, and Sallie Mae will not help me unless they speak with her ( she's in Tennessee, I'm in Maryland ). I CANT AFFORD this much money for ONE YEAR of college, and I have requested several deferments but get declined. They are reporting me as delinquent to the credit bureau ( went from a XXXX to XXXX in one night ) -- they are ruining me financially. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted repeatedly by creditors trying to collect debts owed by ex son in law, XXXX XXXX XXXX, XXXX XXXX is purposely giving my phone number out as his. XXXX is currently XXXX. XXXX is purposely giving my number out to harass my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A XXXX XXXX of NCB Management Services is calling my private cell phone number in an attempt to reach a gentleman I work for as an XXXX XXXX. I have told him this is my PRIVATE cell phone and that I am not related to the gentleman he is looking for. He persists in calling 1-2 times per day ( I no longer answer my phone ). This is harassment AS WELL AS improper contact, especially after I have informed him there is no familial relationship and it 's the wrong number, as well as sharing of highly private information insofar as I now know a creditor is trying to collect money from the man I work for. I do not have the right to know this information, nor do I want to. His justification for calling the number is that it was put on the application, which I totally doubt, since its MY personal cell phone number not related to the business. I believe I got the cell number a long time after the account was opened so it 's impossible that number is on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ordered specific services from XXXX they swore I had them and for the next 5 weeks ( approx XXXX. All the back and forth was by phone or net chats. They say they record these calls but I doubt it. The most specific was XXXX XXXX Ohio ( XXXX XXXX games. They said I 'd have it on XXXX. My converter was not capable of receiving XXXX digit channels. I paid that bill and other overcharges. Then I fired them. They never provided the services ( XXXX other ) channels. They commited fraud and misrepresentation. I 'm not paying for something I will never receive. They turn it over to some collection co. names DCI. I sent them XXXX pages of proof on my part but they turned it into the Credit Bureau anyway. I 'm on Social Security and VA XXXX and just turned XXXX and I ca n't be wasting the last years of my life fighting these lying theives. XXXX XXXX is what I call them. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Student Assist Plus LLC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
In XXXX of XXXX I received correspondence offering assistance from Student Assist Plus, a student loan forgiveness program. I received a welcome letter, a client agreement, XXXX form, form authorizing automatic debit from my bank account, as well as a Student Discount Plan Enrollment Agreement. Student Assist retrieved $ XXXX month up until cancellation on XXXX of XXXX. Student Assist was asked two months prior to stop ACH debit and continued to take money until current stating they had no knowledge of my request. They also stated that XXXX, whom I pay my loan to, was under investigation and that I could not maintain my current payment status without their assistance. It is unfortunate that we attend school and make barely enough to live an repay the high loan costs only to be additionally duped by an agency that alleges to help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08
Company: JH Portfolio Debt Equities, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never opened an account with XXXX or Credit Control. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called Credit Control , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to Credit Control to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information like my name incorrect on Experian credit report Incorrect or old address incorrect My credit report not updated not reporting incorrect tried to call experian they blocked me from calling customer, service and fraud department..

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 2020-01-20
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wyndham time share charged my Wyndham rewards credit card twice after being told to stop ( XX/XX/19, XX/XX/19 ). One charge was immediatedly reversed. The other took 5 months to reverse ( XX/XX/19 ). The credit card company eventually removed my late fees/interest, which put me at a {$0.00} balance as of XX/XX/19. I am being told that the credit card company is now having my late payments being removed from my credit as of XXXX XXXX. During this time period my card was closed due to non-payment of this unauthorized charge, which was in dispute with the creditor and credit card company. I have made numerous calls to have my card re-opened. 1st 2 calls, Credit card company said they were submitting request to try to get re-opened. These request were undocumented by card company. 3rd call said they don't have the authority to reopen a closed card. My card was at a {$0.00} balance before/during this dispute process. My payments were on time and my card was open.

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 2015-07-29
Company: Linebarger Goggan Blair & Sampson LLP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. 

They just sent a letter of collection for this nonexistent debt for {$740.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01
Company: ASTORIA BANK
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am refinancing my coop mortgage. 

With a coop the collateral is the stock. My current lender, Astoria Federal, possess the stock. My new lender, XXXX XXXX, has requested the stock from Astoria on XXXX XXXX, 2015. It typically only takes about a week to transfer the stock but as of today ( almost four weeks later ) XXXX has not confirmed if/when they will transfer the stock. 

I have already paid over {$1000.00} for fees relating to this refinance and further delays will add additional cost to me. 

I have contacted XXXX Federal, their mortgage service company ( XXXX ) and the attorney representing Astoria XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and no one has been able to confirm the location of the stock or how to retrieve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: The CMI Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get repeated calls for a collection agency trying to collect a bills that I do not recognize. I never received any bills regarding a medical bill due. I really need the collection calls and need some detail about this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: TRANSWORLD SYSTEMS INC
State: TN
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 have XXXX student loans through the college that I attended. I applied for deferment for the student loans in the past a reapplied once I received notification that my deferment was over on XXXX/XXXX/2016. I found out that I would not be eligible for deferment again but I would need to pay interest accrued during my deferment on XXXX plus my monthly payment arrangement. I called the office on XXXX to see if I could apply the accrued interest into my monthly payment and then was told yes. I asked if this meant my accounts would not be reported to the credit bureaus as past due and was told no. I found out after the fact of making that monthly payment arrangement that my accounts were reported as past due. I called and they listened to the tapes and emailed me stating that I was given wrong information but my accounts were past due so the reporting would stay. I asked if I made payment that day would I be able to reverse the reporting since I was told I did n't need to make the payment for the interest and was told no. Then, today I was emailed that if I do not catch up the past due I would be sent to collections. I then went online to make payment but my balance went up over $ XXXX. I called and was told " after review, my deferment should have been up on XXXX account in XXXX and the other XXXX '' So, therefor they have back billed me for time that I was told I was under deferment and have charged me another $ XXXX that has to be paid by the XXXX or I will be sent to collections. Also, they reported my account as over 180 days past due to the bureaus when my bill for the accrued interest was due on XXXX. They said that was because the interest accrued for the time I was in deferment. I never received anything that stated if I do not pay the accrued interest after my deferment I would be past due the whole time of my deferment. I have been mislead multiple times and I feel as though I am trying to make this right but I keep getting more and more charges or problems each time any communication is received by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: GOLDMAN SACHS BANK USA
State: CT
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:
I was charged inappropriately for an item refunded by a vendor on my XXXX ( XXXX ) statement. I have auto-payment from my bank account for the full balance every month, but in the XXXX statement this is not reflected in the balance due. I have tried calling 4 times- was disconnected before completing the call 3 times and the 4th time was not resolved until after >45min on the phone and was connected with a supervisor who acknowledged the error. However this took several calls, emails and auto-responses telling me there was no error. I will now be closing this card as I can not afford all the time and pushback from the Goldman Sachs/Apple Card staff who appear undertrained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: BB&T CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-11-21
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was previously through XXXX XXXX XXXX. I received notification that the mortgage now belongs to New Residential. I have never missed a payment with XXXX and my escrow was always in the positive. 

I just received my first bill from New Residential and my mortgage payment increased from XXXX to XXXX with no explanation why. 

The payment is due in less than two weeks.

I contacted New Residential and asked why there was a significant increase. They advised that XXXX and made a mistake and wasn't billing me properly and that I owed a significant amount of money to escrow. They were unable to provide me with exact numbers but said that i should receive an analysis in the mail within 7 days. 

They also stated that I am responsible for these errors made on XXXX 's behalf. 

I can not afford this payment moving forward and will most likely go into foreclosure due to this significant increase. 

They are stating that my monthly escrow payment is approximately now going to be {$1000.00}. 

My homeowners is is {$3500.00} a year Town Taxes are {$1900.00} a year School Taxes are {$2700.00} a year This comes out to {$8200.00} a year {$680.00} a month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with TransUnion about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game TransUnion permission to report anything on me? I need answers now!

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 2018-06-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year. 

I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the inaccurate info about the judgement, case # XXXX, with XXXX and Transunion. Both stated the info was correct. However, as noted on the reports XXXX is showing a Paid/Satified date of XXXX and Transunion shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting

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 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX accounts that is fraudulent : XXXX and XXXX. I have requested a signed original credit application with my signature. I have not received the credit agreement with my signature as requested. These accounts have not be validated nor verified properly. This accounts is damaging to my credit score and I want them removed.

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 2022-11-21
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX  my now deceased parents got a loan from SunTrust ( now Truist ) to buy a new vehicle using the house as collateral. They paid this loan off early after SunTrust raised the payment without just cause. My stepfather XXXX XXXX paid the last XXXX XXXX of the loan at once to satisfy the loan debt completely. However, SunTrust never removed the XXXX on the house without our knowledge. Now, both my parents are deceased and I'm in the process of closing a sale on the house to save it from foreclosure. However, I can't, because Truist is attempting to collect XXXX $ ( the original principle of the loan I'm pretty sure ) to remove the XXXX. My parents already paid that loan off and we don't owe them a XXXX. For them to attempt to collect XXXX that they are NOT owed should be criminal. They didn't even know about the XXXX until my closing lawyer contacted them about it. I've made several attempts to resolve this but they keep saying they'll contact me back and then just don't. If they don't remove this unjust XXXX that should have been removed over 10 years ago. I will lose the sale and my inherited equity due to the foreclosure.

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