BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I received an equipment loan to build business credit. My customer number on this loan XXXX obligation number XXXX and XXXX. The loans were paid off in XXXX of XXXX. Wells Fargo eliminated the department that handles this type of loan and has failed to provide title. I have been calling for the last 90 days and do not have title and they can not verify that they will be mailing it to my current address. I have missed a couple of sales on the equipment as a result of not having a title.

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 monetary relief
Consumer complaint received 2015-12-01
Company: Green Trust Cash, LLC
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was misled on the interest rate and money I would need to pay back. I borrowed {$300.00} and each month only {$10.00} to principle. This month I owe {$170.00} and my payment is {$61.00}. XXXX dollars towards principle and {$51.00} in interest. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
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:
First, I was paying off a loan under my mother 's name via direct debit from my bank account, and Navient picked up the loan mid-way through the repayment term. They not only stopped the payment from coming out without letting me know, but did n't contact me or my mother until over {$200.00} was accrued past due. I called multiple times and was either cut off during transfer or continually transferred to the incorrect department. Has since been resolved, but SUCH a hassle. 

Also, I had XXXX loans paid off upon purchasing my new home ( money gained from sale of old home was used to pay off XXXX private loans ). I was awarded a refund check for amounts overpaid but I am pretty sure I should have received more and never really got a good explanation as to why I was refunded such a small amount. On top of that, it has been over a calendar month since the refund check was " issued '' and I still have not received it. Now, I have to have them cancel the original check, send in a request for a new one ( 10 business days ) and wait for them to re-send the new check ( another 8-10 business days ). This is not a customer-friendly way to run a business that deals with SIGNIFICANT amounts of peoples 's hard earned money. 

I do n't 100 % understand how these loans work, but I know my interest rates ... and from looking at my monthly payments and how LITTLE actually comes off of the principal balance, there HAS to be something fishy going on there. 

Finally, I received my tax documents and for a year 's worth of student loan payments, ( mind you, balance was over {$19000.00} most of the year ), I could only claim {$45.00} in interest? That does n't seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I ssued a Macy 's s tore card in return for one day discount    XXXX   XXXX   XXXX   . Paid statement    XXXX   XXXX   XXXX   . Received another bill ..   XXXX   XXXX   . Requested explanation. No acknowledgement or communication from Macy until    XXXX   XXXX    requesting {$150.00} payment. Requested identification of source of statement. Customer service responded by sending statement after statement for about six weeks with no source purchase mentioned. End of  XXXX  received packet of statements with a single entry for {$17.00} dated    XXXX   XXXX   n o year.

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 monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NV
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:
THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
THESE CREDIT REPORTING AGENCIES ARE NOT FOLLOWING FCRA GUIDELINES OR LAWS PERTAINING TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER UNDER TITLE 15 CHAPTER 41.

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 2021-08-11
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a debt collection on my credit report by ABSOLUTE RESOLUTIONS 1. It shows that it's in " active debt collection, '' but the collection amount shows {$0.00}. I paid off the debt in satisfaction to the debtor. It even shows that I paid {$25000.00} and it has been 100 % paid off. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NC
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:
I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to XXXX, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a XXXX XXXX Validation letter with HIPPA requirements to CommonWealth Financial. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by CommonWealth Financial. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of CommonWealth Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have n't received my direct deposit which goes to my rushcard and their bank is XXXX. I was supposed to receive my funds XXXX XXXX and did not. I been calling, emailed them also called XXXX. They updated their online n you can not get on line with them nor have they added my funds n you can not ever speak to a person. This is rough n very hard I have bills n Ned groceries and personal products and I need my money. I called my payroll personnel n its rushcard that got our funds who knows how many people they ripping off and hurted financially. I want my money and need my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: IL
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 initially was lied to by the XXXX by their financial aid office by having the lady tell me that I would not have to repay all of my loans until after I graduated. Which turned out to be a complete lie. I was signed up with the parent PLUS loans. I attended the school from XX/XX/XXXX-XX/XX/XXXX. I have already filed a grievance with you folks regarding this LIE & SCAM the XXXX participated in. From this I was forced to drop out as repayments were required. This has in turn resulted in tens of thousands o dollars in INTEREST AND LATE FEES. My original loan of {$43000.00} has BALLOONED to now {$73000.00}!!!! I have been making payments for years and pretty much covering the interest portion at a tune of $ XXXX/month. I had made extra payment amounts to only find out that it never touched my principal at all?!? I called Navient to see why. I called several times through out this nightmare for various reasons and asked at different times to different Navient reps as to why my extra amount was not applied to my principal. The first representative said in the beginning that my extra amounts were in fact applied, which was a flat out lie. I know because somehow my balance kept growing?! After telling her that this was not true she then looked again and said that my extra amounts were going towards interest? Now mind you I 'm paying and have been for YEARS the interest only portion and yet my balance continues climbing. After calling back months later for a request for repayment options the other representative I spoke with said all additional monies paid were applied to principals. You can not get a straight answer from them?!? I just read an article about the pending lawsuit of how Navient misapplied extra payments and I 'm outraged even more with this whole ordeal. I 'm desperately seeking answers and help in my ongoing nightmare with student loans, the scam school of the XXXX and XXXX/Navient. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, 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:
On several occasions in the months of XXXX, XXXX and XXXX, I contacted Equifax to dispute a bankruptcy and a few liens that were showing on my credit report. I was told that they got their information from XXXX XXXX. I also tried numerous times to get in touch with XXXX XXXX to get a copy of my consumer report from them and was n't able to get a copy until XXXX. On or around XXXX XXXX, XXXX, I tried once again to get Equifax to remove the bankruptcy and liens listed on my report and they once again came back XXXX the XXXX stating they received the information from XXXX XXXX. I finally received a copy of my XXXX XXXX report on the XXXX of XXXX and it did not have the Bankruptcy or the liens I disputed listed on them. I 'm confused at this point. How can you say you received the information from them, when it is not listed on their report to begin with. The XXXX XXXX report also lists companies who requested my report, Equifax is not listed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Navient is the entity which holds some of my private and federal loans. I have made multiple attempts to explain that I am unable to make what they say is the minimum required payment. I have always indicated that I want to pay what I can, but they have not been willing to offer me a lower payment option. Because of this, I have not made any payments for some months now, leading to some of my debt defaulting, being transferred to debt collectors, and e-mails and written letters threatening impending legal action. This also affects my father, who co-signed on at least one of my loans. He has supplied his financial information numerous times, in an attempt to show that neither he nor I am able to pay what they are demanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had filed for deferment on my loan i was asked to place in forbearance until the deferment went through. I was told it was good for 2 years only to find out that i had to renew after a year. I sent all the paperwork back in and never heard anything back i was receiving statement showing payment amount {$0.00} untill a week or so ago i got a letter ststing it was past due and I owed {$280.00} payment due. I went online to see what was going on my loan is no longer in deferment i resubmitted. Then I called navient to see if i needed to do anything else they then instructed me to place in forbearance until deferment is approved. I was hesitant and asked isnt that what the lawsuit is about. She told me it would be delinquent if i didnt place in forberance and my deferment would be denied if i did n't. So i told her ok and did the forbearance for 1 month. I then checked my credit report and it shows my loan from XXXX XXXX was charged off deliquent for both loans even though i consolidated a couple years ago as instructed by navient when they took over because it would be easier for me. not that it was in deferment. I tried finding my documents on their website but i csnt find anything i submitted i dont have hard copies i signed and returned all document 's sent to me. They had my old address on file even though the past 2 years ive been receiving information at my current address. I trusted them i assumed because it was a federal student loan with department of education it was a government agency. I did n't think they would stear me wrong. Over the years ive had {$520.00} added in interest when i though it was in deferment for economic hardship. Also when looking at my email i was sent 20+ emails from navient asking me to reply yes to email to place loan im forberance. I went to XXXX school not i guess they are called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 have these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Real Time Resolutions ( RTR ) claims to be servicing this HELOC debt ( see attached ). RTR also claims that XXXX  XXXX XXXX is the investor. XXXX XXXX XXXX  denies any affiliation with the debt based on prior QWR demands responses issued by them The HELOC loan was originated with a {$36000.00} high credit limit ( attached ). On XXXX, RTR claims they took over all servicing rights which left them with the responsibility to retain past and present accounting records per HUD and RESPA law. Since this is a revolving line of credit, there is interest that compounds daily with interest with a monthly payments due based on the outstanding balance. The line of credit description is clearly listed on the mortgage ( attached ). On many occasions I have requested full accounting records and RTR has refused to provide them. This is a clear violation on HUD, RESPA and CFPB law. Over the many years that this loan has been serviced the balance has been paid down to {$12000.00}. I am now seeking to pay off the debt and RTR has refused to issue a formal payoff with the correct balance of {$12000.00}. The only issue arbitrary collection notices that do not reflect the accounting and servicing records that are required per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My state issued ski payment was transferred over the phone on XXXX XXXX 2016 and i filed a complaint and had to go thrust a lot if run around to finally get the funds returned to me and this is once again happening on the XXXX of XXXX I tried to withdrawal the funds from the direct express card and the arm transaction was declined so I called and they said I tried to transfer money over the phone again and they expected me to fax a 2 forms of is so I went to the police department and they sent the 2 forms of is and after a bunch of return calls finally was allowed to withdrawal XXXX of the benefits at around XXXX and this is not the only card being fraudulently used so I needed to cancel all of my cards and I am trying to file for identity theft assistance I am not in a financial situation to continue fighting this situation please help

Company response to consumer: Closed with explanation