BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: First Data Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XX/XX/XXXX I attempted to pay my bill using a new checking account open XX/XX/XXXX.I was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data Retrieval. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: TRANSWORLD SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
A student loan obtained by myself in XX/XX/XXXX for a total of {$9000.00} was discharged through bankruptcy in XX/XX/XXXX. Authorized by a federal court and signed by a federal judge. During that period some loan relief was either granted or not granted. My relief was approved. Many years later I was contacted by DOE and told that the judge did not indicate in my BK that a specific hardship would occur without the relief granted. Therefore the judge had no authority to grant my relief. My loan more than quadrupled because of this and I have been paying this balance since the XX/XX/XXXX 's. The loan has been sold to numerous companies over the years and all continue to force one into the consolidation trap. The loan has been paid down from {$37000.00}. 00 to {$18000.00} presently. This should never have happened. Even if my BK was not correct which is nonsensical, I should not have had the burden of paying accrued interest and penalties when my correct legal documents were being rejected. In addition, my loan is well over the 25 year threshold for student loans. I also became a certified XXXX XXXX years which should have been enough to be granted loan forgiveness but I was told that my loan was too old. At no time should I have been made to pay for mistakes made by any judicial entity. Whether or not it was the federal courts or the DOE. None of this was my error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
In the XXXX 2016 I applied for an American Express Gold Delta Sky Miles Card. The card application offered XXXX Delta Sky Miles. 
My Application was immediately accepted. On XXXX XXXX 2016 I received an email confirming that my Application had been approved. Upon receipt of the card I began using it and satisfied the obligation to use the card to make purchase within the first couple of months. 

In the summer I checked my Delta Sky Miles account and the XXXX miles never were posted. I called American Express ( or XXXX ) and the phone call was answered my a representative who I took to be a phone operator in a foreign country. The conversation was " strange and unusual '' and I was told that I had been sent a letter saying that I was not eligible for the XXXX miles. I waited for several weeks and i never received any letter or notice that I was ineligible for the miles. I called American Express again and was connected with a coherent representative who stated in no uncertain terms that I was eligible and the prior conversation was a mistake and that I would promptly receive the XXXX miles. This individual said there had been confusion because in the past I had had a business card but that the new card was a Gold Delta SkyMiles Card and that I was indeed eligible for the XXXX miles. Best on this assurance I started using the card again and then checked my SkyMiles account. Again no miles! So I called again and was told that I was not eligible and they had no record of the call with the represenative who told me I was eligible. I objected to this position and they stated that they would open an investigation and get back to me. To date I have had no response. I have asked for an address where I could lodge a formal complaint but I get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Not only am I paying an unreasonable interest rate, but, I requested months ago that my payment be moved from the first of the month to the end of the month. I even sent in a form requesting this in writing, this was never done. Since that time, I have been charged late fees and DAILY simple interest. This has inflated the principal owed to an unmanageable level. I have paid faithfully on this vehicle for five years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dispute was filed with company XX/XX/2020 and collection agency has failed to removed account from my credit report. Total amount of debt it {$440.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEMS is report fraudulently on credit bureau. 

Reference Information Given Acct # XXXX $ XXXX Contract Date XX/XX/XXXX XX/XX/XXXX collection date Service Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This account is reporting to credit bureau fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS?? 

On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email. 

We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls. 

Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The creditor Midland Funding LLC hired XXXX XXXX XXXX XXXX over some debt they say they brought from someone. They went in front of a judge and got a court ordered payment. I 'm not sure what the debt is or if it 's the correct amount. I was working a part time job of maybe 15 hours a week barely making rent. I could n't afford an attorney and was n't sure how to even fight back. I finally got another job, better pay with the city of XXXX. They then got a garnishment. I saved up the money I could and quickly paid the amount plus a little extra at their behest of a release. I 'm not even sure if anything can be done but I wanted to let someone know. I do n't know Midland Funding LLC and I 'm not sure how I even ended up owing them when I 've never had any type of dealings with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a Federal Student Loan and a Parent Plus Student Loan. 
When My son Graduated from College he could n't find a job. 
I have been supporting my son. 
I am employed. I have tried over and over again to pay these loans. Every time I receive an e-mail and they Navient tell me what I have to pay, when I call to make the payment is it always 99 % of the time a different amount than they sent in the email or on the payment slips mailed to me. I have been on the phone for hours trying to get this straight. 
Everyone tells me something different. Whether they are in XXXX or the US it is never the same. I made a payment XX/XX/XXXX for {$330.00} for XXXX loans as instructed and today they told me I did n't pay on XXXX of the loans. And could not tell me what was going on in my account. They asked me to fax proof of my payment. 
I had to request an Administrative Review in XX/XX/XXXX to the XXXX. They said I did not pay but I did pay XX/XX/XXXX. 
Then they sent me an approval for a forbearance XX/XX/XXXX 
When I called no one knew what i was talking about. 
on my credit they have so many late and XXXX loans with Navient. I have XXXX not XXXX. 
All of the late they have listed is not true. When I call to make a payment they always have a totally different amount than what they told me to pay. Not some time but always.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: College Foundation, Inc.
State: CA
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 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )

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 2015-08-13
Company: PNC Bank N.A.
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted application for home modification with my servicer a year ago. They have been asking for documents since then. We provide them every time they ask. I feel that we should have been given an answer in a timely manner. This has caused the arrears to continue to go up. If we would have been given an answer in a timely fashion, we would have been able to explore other options. They simultaneously have served us with an intent for foreclose, with 35 days being given to answer the complaint. My husband and I have been doing everything we could to save our home, i.e. making applications to better paying jobs, going to food pantries, eliminating unnecessary bills such as cable, and keeping our old cars, which have no monthly payments. It is essential for us to keep our home. We have been here since we are married and have a special needs son. This house gives him some stability, and he is currently in a good education program, where he is making progress. We would just like them to provide an answer once and for all. At this point, they have all updated income information and bank statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a long standing credit card with BB & T that was opened because liek XXXX XXXX XXXX BB & T had pushed their employees to open credit cards for customers. It was fine, I used it for a while and then decided to stop using it because I did not like BB & T customer service or fraud protection. I let BB & T know this and suddenly my account was closed due to suspected fraud. There had not been any charges on it for months and it was being paid, so I have no idea what the " suspected fraud '' was and BB & T will only respond with nonsensical answers to that question. The truth is that most likely it was in retaliation for my conversation with customer service. I do not care about the account and had planned to close it anyway. The problem is that it is derogatory in my credit report now because it is showing a balance due and closed by the issuer -- that is a red flag and it has delayed my mortgage application. I alsed BB & T to simply remove it and XXXX XXXX of BB & T falsely claimed that they are required to continue reporting this by the Fair Credit Reporting Act. She also included letters that were supposedly sent to me about the suspected fraud, but given that there were no charges on teh account, again -- I have no idea what they are talking about. It is clearly a XXXX attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
After being contacted with a postal mailer and e-mail, I responded to the advertisements and called to start a loan to improve my residence. I informed the person I spoke to, XXXX XXXX, that I needed a HUD XXXX loan to do the improvements. Instead she put me on track for a loan where I had to make the improvements before I could close the loan. The company 's action in trying to steer me into a loan that did not meet my needs was deceptive and time consuming. It almost locked me into a loan that did no meet my needs. After I rejected the loan they were misleading me into, they posted a letter to me claiming that I was turned down for the loan because I refused to provide credit information. That is untrue as I provided all such information and they had already issued me an approval letter. This has cost me time and as rates are increasing, significant money as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2021 - XXXX XXXX XXXX company was not able to pull my credit report from equifax to approve me for loan - this was attempted at least 5 times. 

My information is all correct and matches the equifax profile when logged in. 

XX/XX/2021 called equifax twice and was told they will not speak with me on the phone and that I need to write a letter with my ID to ask questions about why the mortgage lenders are not able to pull my file. They gave me a 30-40 day turn around time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? 

We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation