BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: Resurgent Capital Services L.P.
State: WY
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 received a letter from XXXX XXXX , XXXX which claims their client LVNV Funding LLC has " purchased '' an account from XXXX XXXX  XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX  anywhere near {$14000.00}. XXXX XXXX is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. XXXX XXXX has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. XXXX  XXXX has not identified any specific person at LVNV Funding or any contact information for LVNV Funding to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at XXXX XXXX and LVNV Funding that can be named in subpoenas for deposition and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: ENOVA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Threatening to collect a debt without giving me a timely manner on how to figure this out

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I sent the following e-mail to NAVIENT : Dear Sir/Madam : I am seeing missed pmts. on my credit report regarding my student loans. My loans have been deferred because I am a current student. There is NO reason that my credit should be going down due to missed pmts. that I am not supposed to even be paying on yet!. This is absolutely unacceptable. What needs to be done to have this rectified ASAP. These loans are old, and I have made SURE to defer them while I am a student. 

XXXX XXXX I have XXXX missed payments that just popped up on my credit report, but they are supposed to be differed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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: Overcharged for something you did purchase with the card

Complaint:
I paid as agreed and they are charging me for a vehicle I was not at fault in an accident they are ruining m y credit score bec ause they know I am coming into some money where they are insured themselves, and their corporate office is taking advantage of my military, and veteran status as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Was given two previous loans with vip status. On the ad when researching company they didnt offer me XXXX after first loan. Also I said I was gon na file a complaint and they are back lashing on me now and I am not being given anymore credit by them. They said it's because i wasnt happy with services .i was happy but they are discrimination against me now by not allowing me to fairly use there services anymore. They are being unprofessional and violating my rights to be extended credit like I was before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: AES/PHEAA
State: TX
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 acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX  ethics. 
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently am enrolled in a Rate Reduction Plan for my private student loans at Navient. My student loans are making my living situation very difficult and I deseparetly need in stay in the Reduction Program to be able to keep compliant and make payments. They are denying my Program starting next month. I have tried emailing and calling for 4 days straight on and at some point all the time I get the run-around or hung up on. I need help or I will become bankrupt and still will have these loans on my record and make life for me difficult for decades. My loans have almost doubled in size because of the interest rates and deferment in school. I was not made fully aware of this program when I first signed up and feel like Navient obviously is not helping me in this matter. I am responsible, have a full-time job and work hard to keep paying all of my bills on time. But because of these student loans, my debt-income ratio is insane and I 've had to rack up credit cards to keep up with payments. I need help or I 'm going to lose everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Acknowledge Debt Resolutions
State: NY
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:
XX/XX/2021 received a call XXXX a guy saying that he was from a ADR XXXX XXXX he kept talking and wont stop he was very rude he told me that I have to pay this money. The email was ( XXXX XXXX ) XXXX and the other phone number XXXX. I was told i owe money from a loan I took out from XXXX XXXX. I asked them for more information on the situation and they would not tell me anything except that they would take me to court and garnish my wages if I didnt pay. They knew my old address and the last 4 of my social. Out of fear I gave them my email and they sent me a link that went to a deleted link. Im almost positive this a scam but I just want to make sure so Im writing this complaint.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/2021 - XX/XX/2021 Halsted Financial has called me over 7 times ( 8 times as of XX/XX/21 ) I have tried to block their number but they use different phone numbers to bypass my attempts to make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: AMERISAVE MORTGAGE CORPORATION
State: AK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The personal information that I provided to AmeriSave Mortgage Corporation ( AmeriSave ) was disclosed as part of a recent security incident involving the compromise of my personal information leaked during the over 4-month period it took Amerisave to complete my refinance ( Loan XXXX ). 

During the month of XXXX credit was applied for in my name to purchase a XXXX  XXXX from XXXX XXXX  XXXX and from XXXX/XXXX XXXX XXXX XXXX. 
An auto transport and auto insurance policy were both secured with my credentials. You have been the only company to have accessed as well as obtained all of the information to which this individual has access. 

I am writing this email to lodge a formal complaint and to instigate an investigation as to how my credit and credentials were compromised by your corporation. Data breaches are nothing new to Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: NY
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: Was not notified of investigation status or results

Complaint:
Macys/DSNB acknowledged receipt of my dispute on XX/XX/2021 but failed to comply with the requirements to provide me with all of the required disclosures within 3 days under 15 U.S. Code 1681d ( a ) before causing an investigative consumer report to be prepared.

It is stated according to 15 U.S. Code 1682d ( a ) that a person may not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made. 

The debt collector did not provide me with any required disclosure prior to causing the investigative consumer report to be prepared. 

Attached are my exhibit to support my claim. They respond to my complaint on XX/XX/2021 alleging that an investigation was launched and closed. They also acknowledged receiving my complaint through the Consumer Financial Protection Bureau on XX/XX/2021 meaning, before preparing the report, by law ; they were supposed to provide me with a disclosure pursuant to 15 USC 1681d ( a ) no later than XX/XX/2021 which they did not do. 

This is a violation under the section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a home XX/XX/XXXX with XXXX through Umpqua. The loan was for $ XXXX on a home appraised for $ XXXX. I was told prior to signing papers that I could get PMI removed without another appraisal if I reached XXXX % loan to value ratio within 6 months. On XX/XX/XXXX, I received letter from Umpqua stating the same thing. On XX/XX/XXXX, I mailed a check for {$40000.00} along with letter requesting removal of Private Mortgage Insurance. Umpqua applied the $ XXXX to my principal, but did not remove PMI. On XX/XX/XXXX, I got on the phone and got in touch with loan manager. She stated that the original letter was incorrect, that PMI was figured off the sale price of the home, not the appraised value. Loan manager said that a corrected letter would be in the mail, but I have not received such letter. She requested that I send {$8500.00} more dollars, and that she would take care of getting PMI removed. On XX/XX/XXXX, {$8500.00} I have sent this payment along with another detailed letter, and wait for their response. This last payment takes me down to XXXX % loan to value of home, within 3 months of signing the loan. These funds that I have sent them were moneys that were allocated towards improvements on the home. Everything online that I am reading states that mortgage companies HAVE TO automatically remove PMI when loan gets to or is scheduled to get to XXXX % of appraised value of home. If the interest rates did n't just jump recently, I would have just refinanced. Now, I am stuck in trying to get Umpqua to do what they stated they would do in emails, and in writing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Resurgent Capital services agreed to remove a negative account from my credit report, as it was paid it full. The account still remains on my credit report. Now I have a payment plan for a separate account, which I may cancel due to their actions of breaking their end of the deal with the previous account. The previous account had been removed at one point and was added back on recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Navient Solutions, LLC.
State: MN
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:
Navient continues to try to collect a full payment ( monthly ) by requiring me to reset the online payment amount shown on their website ( on a monthly basis ) in order to pay the agreed upon income repayment plan amount. I can not enroll in the automatic online repayment or the full {$1200.00} will be taken from my bank. So every month I pay manually ( online ) by going in to 'reset ' to the lower amount prior to submitting my payment. I asked Navient about this and they said I ca n't remove the higher amount. So I tried paying the higher amount down- but it ca n't be done. It just renews to the {$1200.00} every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: FL
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:
Experian has been unsuccessful in resolving incorrect reporting information after several disputes. XXXX XXXX account # XXXX was originally included into bankruptcy chapter XXXX on XX/XX/XXXX. Unfortunately, Experian Credit Reporting Agency has failed to report correct information and listed 90 day late entry on XX/XX/XXXX which is inaccurate and false. 

This information is in violation of the fair reporting act and should be immediately corrected by removal from my credit 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 explanation
Consumer complaint received 2021-07-31
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
AMEX account XXXX If AMEX forces my family to pay off XXXX, we are 100 % going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I am a victim of ID Theft. Someone has used my information to open a couple fraudulent loans with USAA as well as filing fraudulent claims using my information. I disputed the debt with USAA and provided the fraud packet as well as a police report outlining fraudsters name, address history, etc. USAA never returns my call. It 's been almost a year since I 've disputed this. They tell me they are investigating and never call back. USAA also sold the debts to a collection agency while I was disputing it. They were aware I said it was fraud and they still sold it. I called them approximately two weeks ago only to be told ( several times ) they would call back in a couple days and never do. I believe they are stalling and not resolving these debts in order to resell them. It 's been well over the allowed 60 days to investigate and resolve this fraudulent debt. These debts are significant and my credit is being damaged. There are XXXX loans XXXX is over XXXX and XXXX is almost XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I'm a veteran so the VA loan on my property interest rate has dropped from XXXX to XXXX so my loan officer is doing the paperwork on the loan. Experian is showing me a score of XXXX. When my loan officer pulled the Experian score he received a score of XXXX. Last month I reported to the following ; Just want needs to be done I'm tired of getting cheated, because of bad reporting. 

Experian has not been reporting on my life for I will be turning XXXX next year and it's exulting just trying to navigate the credit world. About two months ago I used Experian Boost to improve my credit on Experian. My score went up by 30 points to a XXXX. It's only effective Experian FICO Score XXXX ( XXXX ), the other Experian FICO Score XXXX ( XXXX ), Auto Score 8, FICO Auto Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), and Bankcard XXXX ( XXXX ) have not changed. When I applied for XXXX  XXXX of the lower score are used to deni credit again. Experian has systematically to fine was on how not to report correctly on my life. When I called to talk to Experian there was no one to talk to. This company needs to disband and restructure they should not be allowed to practice in this manner.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: MI
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:
The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. Experian, XXXX, and XXXX have been contacted 3 times and no change.

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