BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a forbearance with SallieMae due to COVID-19. Apparently when the forbearance was applied my loans were already 55 days late. Once the forbearance expired I only had 4 days to make a payment to keep from being reported to the credit bureau. SallieMae did not inform me of the timeline. I immediately made arrangements to pay and asked them to remove the negative report since my ability to pay continues to be impacted by COVID-19. If SallieMae continues to report my loans are late, I can not refinance the loans to get more reasonable terms and improve my ability to pay them. There are three very specific unfair practices here : 1 ) SallieMae was well aware that I had a forbearance and difficulty paying due to COVID-19, but they reported anyway. 
2 ) SallieMae reports each loan I have separately so it looks like I have 5 accounts in arrears. I have only one account with SallieMae with 5 loans. 
3 ) SallieMae is well aware that I can not refinance my loans to get better terms if they report to the credit bureau, so I am forced to keep my loans with them and pay higher interest rates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I have sent a certified letter to XXXX XXXX XXXX XXXX. and asked them to send me all of the information in the letter that had all of the information that I am asking for. I have all of the letters and copies of the information that I am asking for. They did not give me all of the information that I asked for. They are still wanting my to pay this debt but I asked for information and they did not give me everything that I asked for. I gave them 60 days to take care of this debt and they have not taken care of the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX Portfolio recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted Portfolio Recovery @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the rep sttd no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the rep said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says XXXX XXXX XXXX however, I have never banked with XXXX XXXX and never have fallen behind on any of my credit cards with XXXX XXXX. I have also contacted XXXX XXXX and have been advised nothing has been sent by them to this collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Trident Asset Management, L.L.C.
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: Account status incorrect

Complaint:
According to Trident Asset Management, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012,  when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as Trident is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on Trident Asset Management. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX this year, I purchased an item on the Internet using my XXXX card. The vendor ( XXXX XXXX billed me for the item I had purchased, and later for XXXX more on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received. I file a dispute with XXXX immediately and was advised to change my CC Number, which I did. The vendor later submitted a self-serving statement that by agreeing to the purchase of the first item, I had signed up for an option-to-buy program after a XXXX trial period. For the record, I neither read nor agreed to a statement like that when I purchased just XXXX item. 
The vendor re-submitted bills for supplies on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, which I never received and XXXX honored their request. In my judgment, XXXX should not have honored that request because my CC Number had been changed at their suggestion, and I did not receive any other product. By their action or inaction, XXXX has aided the perpetration of a fraud. Why should I pay for products I did not order or receive? This billing has to to removed from my account.

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 2019-11-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX at XXXX, I received an email from American Education Services XXXX ( " AES '' ) stating the following : " We received your application for an Income-Based Repayment ( IBR ) plan 90 days ago. We needed additional information from you to fully process your request. Since it has been 3 months, your request has expired. 
To have your monthly payment amount based on your income and family size, you need to recertify your information annually. If your payment amount already increased or to prevent it from increasing, please visit StudentLoans.gov immediately to reapply. '' I am very confused by this email, as I have already submitted, on multiple times, my IBR, once already through the StudentLoans.gov site, and once directly to AES, and I already received an approval letter for renewal of my IBR from AES dated, XX/XX/XXXX, which advised that I am to pay from the period of XX/XX/XXXX - XX/XX/XXXX, {$390.00}. I have a copy of said letter and will attach to this correspondence. Due to economic reasons, I had to request an economic deferment of my payments from XX/XX/XXXX - XX/XX/XXXX, which was granted by AES, again communicated in a letter dated XX/XX/XXXX, which advised that my temporary forbearance was granted until XX/XX/XXXX. A copy of this letter is also included. 

So as you can see, I am confused as to why AES is now advising that my IBR request has expired and now I am in fear that my Income Based Repayment Plan will be extinguished through the negligence of AES. I fully expect that I receive a retraction letter from AES of the XX/XX/XXXX message in the email, and confirmation that my IBR plan IS in place, and that I HAVE the forbearance of my current IBR payment of {$390.00} until after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Items do not belong to me. My Identity was stolen.

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 2017-10-22
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have repeatedly received robocalls from our home from an outfit called Hunter Warfield, a debt collection company out of XXXX Florida. The calls, left on our home telephone answering machine, state that they are seeking a debt from someone named XXXX XXXX, and if we are not XXXX XXXX to hang up. If we do n't hang up ( and because the message is left on voice mail, we can not ), we are treated to more information about how we must contact this company to pay a debt. We are not XXXX XXXX, and we have not ever heard of XXXX XXXX. These calls are made to our home repeatedly, dozens of time. On Sunday mornings, at dinner time, anytime. They never stop This type of activity can not be legal. It is harassment. 

The company is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

The XXXX of the company is XXXX XXXX, and the XXXX XXXX XXXX is XXXX XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 )  exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.

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 2021-07-22
Company: Granite Edvance Corporation
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In mid XXXX I had completed the last of 9+ {$270.00} to my collection agency of which GSMR had converted my account too. After completing this rehabilitation goal and paperwork the collection agency continued to draw payments when I subsequently cancelled. GSMR / XXXX is supposed to take the account back but to date XXXX late XXXX XXXX they have not done so. Recent news headlines give an idea as to why. This is after years of harassment from the company non-stop phone calls and physical mail. Also inconsistent credit hits when payments have been made. This company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

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 2017-10-22
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In early XXXX 2017 I borrowed XXXX dollars from an on line tribal lender " big picture loans '' unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered to my account, I was unaware of the 697.0714 % interest rate! Payoff amount {$3200.00}! I have contacted The Florida Office Of Finiancal Regulation and XXXX, I was told Big picture loans is not licensed in Florida. I am now aware that this loan is illegal in Florida as they are not licensed in Florida, charged far above allowable interest in Florida as well as gave loans far above the allowable maximum of XXXX dollars. I have paid off the XXXX dollar principal and plus. After educating myself I am submitting this complaint to stop being harassed by big picture loans with endless emails

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing was transferred from  XXXX   XXXX   XXXX  to Select Portfolio Servicing in   XX/XX/XXXX ,  but no notifications were ever sent out. Payments continued to be sent to  XXXX  until   XX/XX/XXXX  wh en a letter was received that payments were going to wrong company. Violatio ns under12 CFR 1024.33.    XXXX  No one from  Select Portfolio Servicing ever called to see what was going on and to counsel as to what should be done. Violations under 12 CFR 1024.39 and 12 CFR 1024.40.    XXXX  Had the servicers done their job the home would not be at risk of foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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 customer service

Complaint:
For the last month I have been getting calls from American Express for another person. I have explained to representatives daily for the last 3 business days ( XXXX, XXXX, and XXXX ) and again today, XXXX that I am not the person they are looking for. One rep attempted to imply I am somehow associated with XXXX XXXX, however this is not the case. The number they are calling has been my registered number for over 15 years. 
I am beyond frustrated and annoyed now as I'm wasting time at work talking to representatives to be assured I will be removed however that has not happened. 

I do not have a card or account with American Express AT ALL.

Company response to consumer: Closed with explanation