BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please see emails to company below. It is impossible for me to include all the times they have contacted me as they call from different/blocked numbers. 

Hello, Today, despite the communication below on XX/XX/2020, I received a threatening text message and my MOTHER received a threatening voicemail on her HOME ANSWERING MACHINE from a number associated with your company. 

This is your official notice that, as outlined below, I will be contacting an attorney and pursuing legal action against your company for your many violations of federal and state laws regarding debt collection. 

Please look forward to a call from my attorney before the end of the week. 

On Sat, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : I have not heard back from you regarding my alleged debt. 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney Generals office. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX On XXXX, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2020 AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS67205 Dear Sir/Madam, Re :  Account # : XXXX Im writing this letter to open a negotiation on the alleged debt for the account number provided above. After a period of financial hardship, I am currently working to address several alleged debts listed on my credit report. However, I still have limited resources and will only be able to provide partial settlements for the alleged amounts owed. 

With that in mind, I would like to propose to settle this alleged debt for {$45.00}. In return, I request that your company remove this collection account from my credit report, along with any related negative information. I also request that you do not sell the remaining alleged balance to any other company. 

If your company is willing to accept each and all of the above aspects of this request, please prepare a settlement agreement, sign it and send it to me via email. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX was shut down & all my classes I took meant nothing. They were shut down by the Govt & forced to pay back why do I still owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I paid for a hotel stay at the Philadelphia XXXX XXXX using my CashApp card on XX/XX/20. The hotel mistakenly charged me for an additional night Leading my total charge from the hotel to be {$530.00}. Upon learning of the additional charge I contacted the hotel on XX/XX/20 and they processed a refund of {$270.00}. This refund has not been received by me in my CashApp account. I have contacted CashApp countless times to dispute the charges but have gotten limited response or none at all. I have provided all supporting documents requested and I just need the money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: U.S. Auto Sales Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/2015 i brought a pontiac XXXX from u.s.a auto finance, for $ XXXX with a very high entrance rate that brought the total to just about $ XXXX. ever sense i brought the car it have been giving me issues, i had to take the car to get fixed over 5 times within the first month of purchasing the car. The XXXX told me after a year i can take the car back and refinance, so once that year came i tried to return the car and he told me that he 's sorry but they have been brought out by another company and i have to keep the car for another year! Mind you I 'm paying $ XXXX - $ XXXX for a 2006 car smh. I 've been suffering on making this payment on this very high priced vehicle. its ridiculous! i tried once again to return the car and they told me to pay more off before returning the vehicle, i can not and will not continue paying on this car! I 'm in desperate need of help. Now that I 'm forced to return this car, will also effect my credit score. help is defiantly needed at this moment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Chase bank sold me a 12 day trip to XXXX for XXXX points ( worth {$10000.00} ), now it is impossible to use the trip as per XXXX 's XXXX XXXX XXXX you must be in isolation for 14 days upon entering the country and " A foreigner who leaves the country before the end of isolation with no special approval, violates the laws of the state of XXXX and his next entry will not be approved. '' ( https : XXXX ). 

So basically it would be illegal to take the trip, however, Chase Bank will not give me back my points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-05-19
Company: EQUIFAX, INC.
State: FL
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:
Equifax continues to report negative fraudulent information on my credit report. The other credit bureaus have already removed these fraudulent accounts. Equifax is in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
What I got the card. I was making payments on time and realize they were not processing right away and they would process them only after they charged me a late fee I tried to close card. Original amount was only {$800.00} now it's over {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This matter is pursuant to CFPB Complaint ID # XXXX submitted on XX/XX/2021. XXXXXXXX XXXX has not answered my question of the line item ( other Fee 's ). Again, these are not legal fee 's or foreclosure fee 's as per XXXXXXXX XXXX Attorneys. The sent several documents and narrative of what they report are the conversations and statements in reference to the account. However, most of their accounts are inaccurate and incorrect. When I asked repeatedly, after CFPB complaint Inquiry, they refuse to give me an explanation of what " other fee 's '' are. My matter is not resolved. The document that were sent are internal documents which are cryptic and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: RMA Credit Association
State: TX
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:
They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my private medical records.

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 2017-09-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried numerous times to work with these people. I was making payments of almost 500 dollars a month. With 2 car payments and a mortgage that is impossible, we have been struggling to live, Not to mention XXXX children. They deferred all my payments for the 1st 3-4 years, just talking in circles. Not telling me the terrible effects of deferring payments. It 's honestly a shame and a sham, basically I had XXXX in student loans that doubled to XXXX because of Navient. I have paid down around XXXX. I would be willing to pay another XXXX the actual amount that I owed instead of the deferred amount that Navient created. Not to mention just recently I applied for the income driven repayment, which I was approved for. Then received an email saying I was denied. Was a total kick in the stomach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: SLM CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX XXXX, I initiated a loan payoff for 3 accounts through offer I received from my XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX and XXXX rec 'd their wire transfers. Sallie Mae, online showed no payment made. On XX/XX/XXXX I called and they said they sent wire transfer of {$7500.00} back, even though my name and cust #  was referenced. They then gave me a physical address in XXXX XXXX and insisted that a paper check had to be sent there. On XX/XX/XXXX, XXXX XXXX XXXX  mailed it out. On XXXX I made calls again as Sallie Mae online showed no payment and now has increased what I owe by approx {$88.00} interest. Sallie Mae said that they do not receive payments in XXXX, had no idea why I was given that address, didn't know where the ck was and that a paper check had to be mailed to XXXX. So I told XXXX XXXX XXXX XXXX that and gave them address in XXXX that I was given, which I had checked and double-checked while I was on the phone w Sallie Mae. XXXX stopped payment on the first check. Today, XX/XX/2020, Sallie Mae called me and asked me to read the front and back of the check to them, a check that I have never been in possession of! I told them a new ck was being sent to PA. I checked the address with them and they then gave me a different zipcode extension number! Hopefully it is applied correctly. Sallie Mae is every time I call in talking to me as if I have a student loan even though every time I tell them it is a personal loan, give my loan #, plus the phone tree requires you to denote if you are calling about a personal or student loan. Over a month has passed and they now expect me to pay {$88.00} in interest. I am now paying interest to two different institutions on the same funds. I will call them and ask for a refund of one months interest. My email is : XXXX XXXX XXXX Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was contacted by the XXXX XXXX or what we thought was Ocwen. We were instructed to send XXXX XXXX XXXX  for our modified payments. We were obviously frauded, now a Ocwen wants {$3000.00} before XX/XX/XXXX or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am going through a very messy divorce. I was divorced from my ex husband XXXX XXXX, 2015. I opened a bank account at Regions bank for {$2000.00} after this date. My first debit was an internal transaction for {$10.00} to pay for my check order on XX/XX/2015.This was just a few days after opening the account. The balance then was {$1900.00} When filing the descriptive list, my ex husband listed my bank account with the date of XX/XX/2015 and balance as {$1900.00} as his documented information on a sworn descriptive list. He is a banker who has a lot of friends who would give him this information. I believe someone pulled my information to give him. He was never given any authorization to access this account in any way.

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 2020-08-11
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft due to an XXXX  credit breech. experian credit services and XXXX credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

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 2020-08-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The debt is under a fraudulent name I provided proof of identity the bureaus refuse to update my 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 2020-08-11
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Last year in XXXX they began garnishing my paycheck and three times the information was sent to them and it was found that it was identity theft and the credit cards were from early 2000 's and never even issued to me.Eventually I was able to retrieve half of the garnishment back {$410.00}, my HR dept. decided to not make any payouts because it was found that someone stole my identity. Now the same collectors are coming again after me with other debts and they have all the documents clearing me. All I want is my {$330.00} which is the remaining balance that is owed to me. They also mentioned his name is XXXX XXXX that he only has {$290.00} because the marshal kept {$40.00}. That is not my problem I want every cent that was garnished from my paycheck. My HR has tried as well as to retrieve my money and they refuse to give it back. Now they just send me another debt judgement same collectors knowing they have the documents that state I was cleared of those debts which were never mine. My HR stated that they are scammers and were sorry that they fell into this

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 2016-06-29
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I want my case to get a fair review for the new program my lender participates call Principal Reduction! My home is grossly underwater. I have attached a detailed letter in the disgusting way Wells Fargo has been handling my file! They 've stated my home sold even though I filed for Bankruptcy! Please provide a response to that since they are not willing to speak with me anymore!

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 2020-08-11
Company: EQUIFAX, INC.
State: AZ
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:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX : XXXX  {$1000.00} XXXX {$0.00} Equifax {$41.00} Credit Limit : XXXX  {$1000.00} XXXX {$1000.00} Equifax {$0.00} Last Reported : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Comments : XXXX XXXX Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Equifax Charged off account Accounts closed by credit grantor Date Last Active : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Equifax XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: IL
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 am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them XXXX times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX XXXX based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

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