BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: Williams & Fudge, Inc
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: On-Site Manager, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX  was evicted by  XXXX  properties in  XXXX . In  XXXX ,  XXXX  's attorney and I reached an agreed order for limited dissemination pursuant to RCW 59.18.367. The order says " tenant screening providers are prohibited from disclosing the existence of this unlawful detainer action in any tenant screening report... " Ms.  XXXX  is living in her car with her  XXXX  minor children because each and every time she applies for a tenancy the report comes back detailing this eviction.     To make matters worse, I can not add her to this complaint as an additional person to send information to because she is homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.

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 2021-05-18
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company " COMMONWEALTH FINANCIAL SYSTEMS, INC ( cfsi ) has violated several of my consumer rights. on XXXX i disputed a collection, they deleted the collection and they put it back on my credit report without notifying me in writing within 5 business days. Under the FCRA part ( A ) ( 5 ) ( B ) ( ii ) this is a violation- Consumer protection afforded by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To whom it  may  concern, I mailed a Multiple  Inquiry  Re moval Letter  on  XXXX   XXXX ,   XXXX  , by certified mail in order to dispute information, in regards to 10 hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX  , and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. After this, another inquiry was made in  XXXX  and I called Transunion immediately and was told they could n't see it. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-12
Company: SIERRA PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage with Sierra Pacific mortgage company.   On  XXXX    XXXX   I have received my annual tax and interest statement for {$9700.00} and I filled my  XXXX  tax return based on the above statement, than last month I received a revised statement for {$10000.00}. I contacted the company who prepared my tax returns and they advised me to amend my return and the amendment cost me {$150.00}, I emaile d Sierra Pacific for th e cost but they rejected my request.   On  XXXX / XXXX /  XXXX   I sent them another email but so for they haven`t respondent.   I hope CFPB solve the matter for me.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SKIP TRACING TRYING TO LOCATE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, KEEPS CALLING XXXX, XXXX, XXXX, ETC. IGNORED CEASE AND DESIST LETTER AND DO N'T CALL REQUESTS IN VIOLATION OF FDCPA AND TCPA. HAVE PHONE RECORDS AND WELL DOCUMENTED FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Turning Point Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I got a loan from castle pay day loan, at time I recived the loan I was given a quote of XXXX dollars for a loan of XXXX they have taken XXXX dollars out of my account 3 times, iam assuming the loan is paid off, .When I looked at the account its stating I still have a balance of XXXX called them they tell me I still owe XXXX .This will be XXXX for XXXX loan at the time when I reuested the loan I changed my mind, an did not tell them to send it, 2weeks later it was in my acc.So I figured ill keep it an pay it off but now they are trying to get triple of what they quoted me. I need help..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
As a concerned Consumer, I recently pulled my credit report and was in total shock to find that ERC has placed an alleged debt on my profile. ERC has communicated false claims and information with the credit reporting agencies without my knowledge. I have not done any business with ERC and would have never authorized ERC to place derogatory information on my credit report to intentionally hurt, harm and cause damage against me as Creditor/Consumer. This action has also caused me to be denied credit extension harming my chances in the pursuit of happiness for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-10
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint has not addressed providing fraudulent documents to XXXX XXXX. 

XXXX XXXX said that CFPB has a role in responding to this unethical and illegal behavior. 

In complaint number XXXX, Shellpoint summarizes my complaint and includes the buzz words like we have detected you wrote about this issue before to try and get consumer financial protection bureau to close the case. 

But, they did not address the underlying facts and they will not because they did it. So, unless CFPB actually looks, they will keep summarizing and saying nothing. 

I attached the email trials with XXXX XXXX included to document the truth of what I am saying and XXXX XXXXXXXX XXXX  attempt to do like Shellpoint always does restate the obvious without dealing with the actual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have submitted multiple requests with TRUIST ( formerly BBT and Sun Trust ) to get a lien release on a property I am trying to sell and there exists a VERY old lien that was paid off in XXXX. The former lender was XXXX XXXX Bank which was acquired by BBT in XXXX or XXXX depending on the source. Myself and the title company for the buyers have submitted multiple requests by email with all the facts. We have made numerous phone calls only to be told that we need to submit another email. I finally spoke to a supervisor in the mortgage department who says he submitted an expedite request but my last communication with him indicated that the lien release department was not responding to him either. The first request was submitted by the title company on XXXX XX/XX/XXXX and I submitted a written request on XXXX XX/XX/XXXX. Their application process says 10 business days. We have far exceeded 10 business days. I continue to call as does the title company rep who submitted the first request. We have had to postpone 3 closings and the delays are costing me to extend the buyers loan lock.

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 2016-12-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The Bank of America signed a settlement agreement with the DOJ in XXXX of 2014 regarding Countrywide mortgages. According to the Settlement the Bank of America was to suppose to modify all the Countrywide loans shown on XXXX XXXX of the Settlement. Currently Bank of America is keeping it a secret which mortgages are being modified. The only mortgages being modified are the ones Bank of America still owns. As a result Bank of America is violating HUD and CFPB 's regulations. See the attached letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,   XXXX  , I sent a letter through Certified Mail, to Equifax disputing multiple inquiries on my credit report that I do not recall authorizing. I do understand that they should n't be allowed to put an inquiry on my file unless I have authorized it. I requested that they be removed simply because the FCRA states that the only permissible purpose for pulling someone 's credit is for either a Firm Offer of Credit, Insurance, Employment or Court Order, none of which applied to these inquiries in question. On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax stating that it was in reference to my question regarding inquiries. Problem is, I never asked a question, I simply stated that my letter was a dispute of the following information on my credit file. They did not honor my request and continue to allow these multiple unrecognized inquiries to remain on my credit file. Since disputing through certified mail, I have called Equifax on multiple occasions requesting to dispute the multiple unrecognized inquiries and have been repeatedly told that they were unable to dispute or remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Daniels Norelli Scully & Cecere, P.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
they took money from XXXX differnt bank accountThen they called the bank again without my authorization and tookmore money after the Settlement amount was satisfied. 

They are dishonest, rude, and been harassing me on the phone for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
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: Account information incorrect

Complaint:
Hello I just made a large payment of {$650.00} to my XXXX card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 2016-11-19
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have student loans with Granite State Management and Resources. When I look at my statement online, the loan appears in XXXX groups. I sent an amount slightly higher than the balance of Group XXXX to completely pay it off ( in addition to a regular monthly payment ). I had no past due amount. I submitted instructions in writing asking the lender to apply the amount in excess of the regular monthly payment to the principle of Group XXXX to completely pay off that loan balance, which would leave me with just XXXX loan. Additionally, I spoke on the phone with a representative and confirmed my instructions. The representative said that my payment would apply as instructed, paying off XXXX of the loans. Next month, I checked my account history and saw that my payment was NOT applied as instructed, but instead was applied to XXXX loans in percentage ( more money went to the principle of a higher balance loan, and less money went to the lower balance loan, which is the XXXX I attempted to pay off. After calling the lender again, a representative said that they are unable to follow my instructions for payment and can only apply my payment to XXXX loans. I asked how they determine how much to apply to each loan, and the representative said that it was up to their ( the lender ) discretion. You will notice from the attached documentation that at the time of payment, I received and was able to print a receipt form Granite showing the entire amount being applied to Group XXXX, but in reality it never happened as you can see from screen captures of my payment history and current account details. My written instructions, which I have submitted to Granite a day before the payment, are attached to this complaint as well. The statement contradicts my rights to instruct a lender on how to apply my payments, and allow me to repeat that I had no past due payments, and I sent enough funds to cover any current payments and interest on XXXX loans in addition to the payoff amount for the specific loan. The lender refuses to follow my instructions for payment application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: ERC
State: OK
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:
For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had overdrawn my account last month and again this month. I had alerts set up that I am supposed to get an email when there is an overdraft so I can immediately deposit funds to keep from incurring fees. I have not been receiving the alerts until the day after the overdraft has occurred which entails a {$35.00} fee for each transaction that day. My wife went the XXXX day to deposit funds via check and the teller told her she could deposit via ATM and it would cover. It did not, and it posted the next day, which results in {$100.00} of fees that day. I went and made a deposit again this morning at bank opening to cover a {$8.00} overdraft from last night ( which did not show up at XXXX when I viewed the account ) and was told that I was now good by the teller with a XXXX. I logged in and saw I am in the red again because they are now charging me {$35.00} again. I have been charged fees due to both lack of notification, which I signed up for, and for bad information from bank tellers in which the manager could only apologize and say they are not responsible for misinformation from tellers and there is nothing they could do. I have been a customer of this bank for 13 years now and am tired of these inappropriate fees ( or money grabs ) from my bank due to their bad employees and bad systems. Their repetitive fees keep me from getting back in the black.

Company response to consumer: Closed with monetary relief