BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/XXXX Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX PD N.E. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX PD would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/XXXX I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/XXXX and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: RIA FINANCIAL
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Wednesday XX/XX/XXXX, I set up a sales post on XXXX to sale my vehicle. XX/XX/2015 XXXX XXXX. ( This was my first time ever posting anything to sale on XXXX ) At XXXX the same day, I received a text notification to my cell phone from an individual who claimed the name XXXX XXXX from Indiana, who said she was interested in my sales ad to purchase the vehicle. She texted that she could not talk over the phone due to XXXX of being XXXX. So we communicated concerning the vehicle via text. She agreed to purchase the vehicle as the said price of XXXX by way of XXXX deposit. However, at the time of purchase, she sent me multiple emails on behalf of XXXX, that for security purposes between the buyer and seller, that I had to pay XXXX upfront to cover the fees for car pick up, shipping, and delivery, which she claimed was included in what she transferred to XXXX ( total of XXXX ). The assumed claimed agent over the account was XXXX XXXX. After transferring the funds through Walmart2Walmart money transfer, no funds were officially sent to my account and she took the {$1300.00}. In addition, she asked for another {$920.00} to cover insurance costs in having the vehicle sent. The entire situation was very frustration and deceiving. I was totally thrown off by this and really want justice from this. I have saved every email received and receipts.

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 2016-08-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The vehicle loan was behind on XXXX payments, and we received a notice to cure default. The co-borrower called and set up an ACH for XXXX XXXX. I received another letter as to payment being in default after XXXX XXXX, and that the vehicle was going to be repossessed so I called on XXXX XXXX to make payment to cure the default. I was told by a customer service representative that the ACH payment was made on the XXXX and the loan was showing current except for XXXX in late fees and XXXX 's payment. They would n't accept my visa debt over the phone and would only accept check acct information. So I could n't pay the them at that time. Apparently, on XXXX XXXX there was an issue with the ACH, which was approximately 15 days after the original ACH date. Instead of calling the co-borrower and letting him know there was an issue with his account or calling me that just called the day before to cure the default they issued a request for the truck to be repossessed. It was my understanding on XXXX XXXX that the default was cured, so Suntrust is demonstrating unfair and deceptive practices by failing to give notice that the account is no longer current. The truck was picked up on XXXX XXXX in the morning under repossession order. Suntrust further demonstrated those deceptive practices by telling me that they did n't have to inform me of the issue with the ACH or ask for the defaulted funds before getting vehicle repossessed even though I was willing to pay the funds to cure the default. It is my opinion, the Suntrust was out for unjust enrichment because I went from payment of {$1200.00} to cure the default to payment of approximately {$5000.00} to cure the default, which is outrageous. The original amount of {$1200.00} would have been paid if I would have received communication from Suntrust saying there is an issue with the ACH. Considering the issue occurred 15 days after the original date of ACH, I believe that Suntrust made the mistake. I paid to get the truck out of repossession and I am still receiving letters from Suntrust telling me that it is selling my vehicle on XXXX XXXX and telling me the total amount of what is due. I paid more than the amount to cure the default and I am still being harassed by Suntrust for more money for a vehicle that is n't even in repossession. I personally believe that I should receive a refund of the money over the default of the account due to the deceptive practices of Suntrust and continued notices received from Suntrust. I also believe that the repossession should be removed from my and the co-borrower 's credit report because if given the opportunity and the information I would have cured the default without a repossession.

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 2017-05-08
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I made all of the payments required on the loan plus all late fees and they add more payments on the end of the loan. been trying to resolve for 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: National Auto Lenders, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received an extraordinary amount of phone calls fr om National Auto  lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to  10 bu siness days. That was over a month ago.     I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.

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 2015-07-20
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There is no way you can speak to someone when you call OCWEN. Their offices are overseas in XXXX and you can not understand them. My payment has to be in by the XXXX of each month. I mail the check each month now because they could not get the electronic payment done right either. They, this month XXXX 2015, want to charge me a fee of {$40.00} for their inability to process my paper check. When a check is received by mail, and of course with the US mail so messed up who can say when they will receive your payment.. I mailed my payment on the XXXX of XXXX they received and posted it on the XXXX, the check was to be deposited on the XXXX.AS IT WAS DATED so when it went through my bank 2 days early my SS check was not in yet and OCWEN charged me {$40.00} b/c their people do not know what they are doing!! and it was returned for non sufficient funds by my bank. I used to pay online and then they wanted to charge a {$10.00} fee for that as well. When you are on a set income it is hard to survive in this dog eat dog world. I have never missed a payment or been late with anything UNTIL OCWEN. Someone needs to go in and close their doors or maybe bring them back to the XXXX to be serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
In In XXXX I purchased a 3 year cd from Union Bank which was to be linked to the S & P 500 index and have a minimum return of 2 % per year. If the S & P went up I was to get a return that equal to the amount of increase. If the S & P went down I was to get 2 % a year on my investment of {$100000.00}. The S & P index increased 27 % in that period and Union Bank credited my account for only {$4900.00}. I should have recieved about {$27000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Everyone they agree to temporarily stop my payments I never receive the paperwork promised and they continue to hurt my credit. I 've requested the paperwork on  4 d ifferent occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This alleged debt first originated from  XXXX   XXXX   XXXX  that showed up on my credit in mid  XXXX . I disputed it with them because they said its from  XXXX  with no resolution. Then I got notified they sold the debt to Phoenix Financial Services LLC and they are saying I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is debt in collection from a company that I do n't even know for more  than 800 dol lars. The credit report show the name as AFNI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX/Comenity Bank charges fees on fees!! 
I hold a XXXX credit card through Comenity Bank. I was charged a late fee when I paid off my full balance two days late. Although the payment made two days late was my oversight, that late fee was subsequently reversed, and as I paid my balance in full I was not expecting any further payments due. However, unbeknownst to me there were XXXX additional late fees charged as well as interest because of the initial late fee. There were no additional purchases made and the balance outstanding on the account was all fees and fees charged on top of fees. I spoke to a representative named " XXXX '' Id # XXXX and she was unwilling to remove the fees. I hope the principle of charging fees on fees is not one that XXXX nor Comenity bank condones. The amount is negligible, but the practice of charging fees on top of fees is reprehensible. I enjoy shopping at XXXX, and I hope this matter can be addressed expeditiously to keep me as a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold XXXX to Caliber Home Loans after my bankruptcy. At that point I attempted to obtain a mortgage modification and this has been a year long process that has gotten me nowhere but further behind in my payments. No matter what documents I submit they ask for more. When they give me a list of needed documents, I submit them only to find out they need more. After my bankruptcy I began making my mortgage payments to keep the delinquency from growing and for XXXX months they accepted these payments and then all of a sudden they said they could not accept the payments anymore. Understandably the fines and fees continue to grow. On XXXX XXXX, 2015 I was told by their agent that if I came up with $ {$17000.00} and was willing to pay {$960.00} per month extra for XXXX year, we could settle the whole thing. I had to the end of the month to come up with the money. I called on XXXX XXXX, 2015 and all of the sudden the deal changed. They said they needed more money up front and could only finance the deficit for eight months. It seems as though they really do n't want to help me settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Financial Management Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from FMS XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FMS XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had not  XXXX , but  XXXX  accounts with  XXXX .  XXXX  a personal and  XXXX  a business account. Both accounts went into default  (  {$730.00} personal and {$1200.00} business ) and eventually they combined the accounts and sold them. I 'm not disputing the validity of the debts, I 'm disputing the validity of the number of accounts in which the business account should not be on my personal credit. I signed the agreement using my EIN and therefore need the bills separated to know which is being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I  XXXX  from   XXXX   XXXX   XXXX     where I was in the    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     administered by    XXXX   XXXX  . On or about   XXXX   XXXX   2017 I submitted a form to    XXXX    to roll over the {$30000.00} I had in the   XXXX   XXXX   to my money   XXXX   XXXX   XXXX   XXXX  ..
The problem is that as of this writing I still have not received my money. I have a written dialog of the various phone calls I have had with  XXXX  service desk. As of now, I have had 10 phone calls with  XXXX  trying to get an answer as to where my money is. What I get is a new agent each time to whom I need to re-state the case from the beginning. And each time, there is a new story or a new twist. The agents at  XXXX  say that the problem is with Bank of New York Mellon who is the Trustee. They continue to send the checks to the wrong account. And I am now told I have to wait until BONY recovers the money from wherever they sent it.It is now   XXXX   XXXX    almost two months and    XXXX   can not seem to get this resolved. Soon the 60 day rollover period will expire and I may be liable for taxes on the money. I have written notes on every conversation if someone would like to review them.
I am at my witts end and I am desperately seeking someone who can get me my mone y.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  N.J.    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
When checking my accounts online today found that payment for my son 's student loans through XXXX was being drawn from the wrong account. At which time I called aes to channge account number to proper account, I was told that I needed to fil out a new direct debit application. I offered to give info over the phone and they refused to change the information. When I asked for a copy of the original document they refused to send me XXXX stating it was against their policies. We never received any. Confirmation of direct debit being set up or the correction could have been made sooner. Their only answer was to fill out a new application. They refused to take any account info over the phone. However they accepted a payment with same info last week with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Based on the information stated in the letters sent, the accounts have been recently closed because of being Unable to verify my Information with the existing public records. The letter further stated that my Social Securi ty Number ( SSN ) and Address  does not match the records. I am trying to figure out why this is happening because as far my SSN and my Address here in the United States is concerned, I have not held any other Social Security Number nor lived in anothe r US State  previously. My family just recently migrated in  XXXX , New York last  XXXX   XXXX ,   XXXX   from the  XXXX  of the  XXXX . Years before that, I have never been in the US. The  SSN and present address I have in the Synchrony Bank records, the ones th at I have in the Credit Reporting Bureaus and with my other credit cards are all the same. This is also what is found in my State Identification cards,  So  cial Security Administration records and the US Federal Department Records. This is my FIRST AND CURRENT U.S.  address. I did't not understand how incompetent their fraud department is for having closed ALL my store card accounts without verifying for my actual identity by calling me or leaving me a voice message. They have my personal number. Other cards that I have do that to verify before making any other attempt. This is the most professional and prudent thing to do considering that I am a good customer.I have gone through the humiliation of having my cards rejected several times at time and forced me to pay in cash. I did n't know what happened until I called customer service agent of Synchrony whohappens to be very unprofessional and without any display compassion about what I have been through.

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 2021-02-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe the debt, I have proof of everything. This company Phoenix Financial Services already had my alleged account on XX/XX/XXXX but they are reporting it as new on my report as open date XX/XX/XXXX. That is a lie. I have derogatory evidence from my credit file from XXXX that proves they previously had this account with same amounts. They keep passing this account between XXXX XXXX XXXX and back to Phoenix just to update it to my credit report. I will never pay the amount cause it is not my debt. They are wasting their time and money on me. And the attempting garnishment of my credit better stop or I will have no other choice but to bring a lawsuit against them for my rights violation. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: PA
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:
I was on a retroactive forbearance for my student loans through  XXXX   XXXX  from  XXXX   XXXX  through  XXXX   XXXX .  XXXX  had reported on all   XXXX   credit bureaus that my  XXXX  payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: PA
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:
I was on a retroactive forbearance for my student loans through XXXX XXXX from XXXX XXXX through XXXX XXXX. XXXX had reported on all XXXX credit bureaus that my XXXX payment on several of my accounts was 90 days late. The reporting significantly decreased my credit score. I filed a dispute with the credit bureaus with documentation, but it has gone no where.

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