BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: HCFS Healthcare Financial Services of TeamHealth
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:
XXXX is reporting a balance of {$260.00} on all 3 bureaus. I sent several letters to get more information on the debt and to get proper validation to no avail. I called the bureaus directly and XXXX to get proper documentation of proof of debt. Neither bureau or XXXX were able to provide me with proof or the debt validation. They just said it was a medical bill from 2019 from XXXX XXXX and that's the only information they can provide as they don't have anything else. 
I have tried to get a proper verification and haven't been able to. I have worked really hard to keep my credit clean and this is hanging in there. I have no problem paying for something is mine. I have no recollection of such debt/account and they can't give me anything either. XXXX advise me to file a complaint with you. In addition, the bureaus continue to change the day of last activity on a debt from 2019. They change the date of last activity to the current month resetting the clock every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My problems with ACS go beyond the fact that they are almost impossible to get a hold of and that their email function on the website is a scam - you email them and they send an automatic reply saying they 'll get back to you within 48 hours but that never happens! Other issues : So I got a loan of {$4000.00} from my graduate school and my school has a forgiveness program where ever year that you work in your field, a percentage of the loan is forgiven. Well I got most of the loan forgiven seeing as I 'm a XXXX XXXX and this job title falls under the forgiven positions. Unfortunately ACS declined my last year because I switched jobs and my title is no longer XXXX although I perform the duties of a XXXX and XXXX ( which also qualifies for forgiveness ) and probably more. So the reps ( who are usually nice but have no control over anything ) told me to simply word the letter differently which I did but am still waiting for it to " process ''. It 's literally been processing for several months and I call once a week and am on hold for about 20 minutes each time and get the same answer, " It 's processing ''. Even though on the website it shows my loan is " Past due '', the reps tell me not to worry and that that will disappear once it 's processed although the first time it was declined, this past due status did not disappear. I also was told that they reported to the credit bureau that I was not delinquent because the loan was " processing '', yet I have no proof of this happening. So I called my school and the person who answered told me they had updated my file about a week ago saying " Fax not received '' even though the rep had confirmed that the fax was received already and was " processing ''. Scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XX/XX/XXXX for $ XXXX. Our taxes per year are around {$6700.00} +/-. We have made every payment on time and in full.

We were making payments of around {$580.00} per month towards taxes and insurance in XXXX and received a surplus check of {$4900.00}. 

In XXXX of XXXX, we were approved for Homestead and received a one time {$50000.00} reduction in our valuation with a maximum of a 3 % increase per year thereafter. 

Our escrow analysis for XXXX came back with a payment of {$220.00} per month for taxes and insurance. 

In XXXX of XXXX, we were told in the new escrow analysis that we have a shortage of {$14000.00} +/- even though we had made every payment to our account. The result was an increase to our mortgage payment of over 100 %. {$1600.00} to now over {$3200.00}. 

We submitted a complaint to TD Bank ( servicer ) for a deeper analysis of how this could happen and they only sent the county 's tax statement.

Our next steps have been to work with an attorney and financial advisor while asking for a forensic analysis to be completed by TD Bank ( not yet completed by TD Bank ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: LAND HOME FINANCIAL SERVICES
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of my second mortgage was sold to Land Home Financial Services XXXX XXXX as of XXXX XXXX, XXXX. It was under temporary modification and as of XXXX is now under permanent modification. Land Home Financial Services sent me a statement in XXXX XXXX indicating they have not received the payments I sent to XXXX Fund in XXXX and XXXX. They show my XXXX payment as a partial payment and show my monthly amount due as the amount before the loan modification. The XXXX payment is not reflected at all. I made the XXXX payment over the phone directly with XXXX XXXX and they do not show this payment at all. I mailed the XXXX payment ( due XXXX/XXXX/XXXX ) on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX, they still have not cashed this check. I sent it to the address on my Hello letter under RESPA and they do not know where my check is. Land Home 's XXXX XXXX XXXX XXXX XXXX told me over the phone that Land Home 's computer systems can not handle temporary modifications. I know that modifications and the sale of loans and servicing are a regulatory focus to protect consumers and honor loan modifications. Finally, I have asked for a current principal balance of my loan and Land Home has not provided me this. Given my on time payments under the loan modification, all accrued interest and late fees are forgiven 25 % each of the first four years. That is why I want to ensure that my payments are being applied correctly. 
My contact at XXXX XXXX XXXX is XXXX XXXX, XXXX. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AC AutoPay LLC, Denver, CO Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2022 my car was stolen by a man claiming to have a repo order from ac autopay for my vehicle. He was abusive and threatening and said XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I called police. The police forced me to let him to take my car. They refused to let me get my things out as well, including my XXXX XXXX  jewelry and last will and testament, stating I would need to wait on the notice I'd receive after the repossession. I of course never received anything from them. 
I don't owe ac autopay money and they never had a security interest in my car let alone a valid ( or invalid for that matter ) lien on my title. They are an aggregator that my husband tried to use for a refinance. However, they sent the wrong payoff amount, charged sales tax stating he purchased the car from them when he didn't, and failed to remove my name from the title to complete title work and the lender closed the account and reported it as paid in full on my husband 's credit report in XX/XX/2022. The contract has no account info, is dated over a month before they said they completed paperwork, listed it as a sale including illegally charging sales tax, again they never took me off the title while i had nothing to do with the loan, and THE CONTRACT WAS NOT WITH AUTOPAY BUT WITH A CREDIT UNIION. The lender closed the account because it wasn't a valid contract. 
We were told by autopay rep that they don't repo cars and we were asking the wrong people where my car is. We have no idea where it is or where our belongings are. We've heard nothing from anyone about any of it. 
They stole my car. I have verified who the lienholder is and it is listed as the original lender, who did not repossess the car, as we no longer owe them money. They reported the repo on his credit report and we disputed it as fraud and transunion investigated and deleted it from his file. 
As of today I have had to almost 2 months without a vehicle for my family of XXXX, while my car was illegally taken by people who had no right to it. My mothers jewelry was stolen and no one will tell us anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: ACS Education Services
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 have a consolidated FFEL Loan through XXXX XXXX XXXX, XXXX, doing business as ACS Education Services ( " ACS '' ). ( Lender - XXXX XXXX XXXX ). The original loan in XXXX XXXX was for {$23000.00}. I have defaulted 3 times and enrolled in their " Rehabilitation Program '' every time to bring my loan back into good standing. I have never went into forbearance but it is listed that I did in XXXX/XXXX/XXXX. It is now XXXX and my current outstanding loan is listed at {$35000.00}. I understand that XXXX XXXX XXXX is under Federal Investigation for Loan Servicing Practices and it appears that I may be one the borrowers that have been affected. I wish I could afford an Attorney, but at this time is not feasible. Looking for any help and guidance possible. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was sent an offer for personal loan from NetCredit. The email stated " check your eligibility '' " This won't affect your credit score. '' So I entered my information just to see the offer. I then received the notification " Congratulations You're eligible review and compare offers below '' I reveiwed the offers but did not go any further than that. I did not choose an option because at that point I was just seeing what type of loans they had. Next thing I know I get a letter by email from a company called XXXX  saying i've been denied and I checked my credit score and credit score dropped by XXXX  points to unfavorable when it was good earlier this morning. This is highly deceptive and fraudulent.

I have the screenshots of the company telling me I am eligible and then telling me congratulations.

I want to file a formal complaint and find out what I can do to retain my former credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: ACS Education Services
State: AK
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 am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. 
At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax has incorrect account balances on accounts which were paid in full. The correct balances are reflected on XXXX so the company has reported. Also, accounts are reflected as discharged in BK when they were paid in full and not included in BK. There are state liens which are incorrect. I left the State of Ohio XXXX YEARS AGO. I have filed a dispute with Equifax but to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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 am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a company called Pioneer Credit Recovery that has been calling me as many as 4 times a day looking for a family member in regards to an " important business matter ''. I 've told them I do not know where or how to get in contact with this family and not to call but they still continue to call me. 
I do not want these people to contact me ANYMORE. Whatever the debt is, it 's not mine and there is no reason for them to be calling and bothering me about it. The toll-free number of this company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I was declined credit based upon an Equifax credit report. After unsuccessfully attempting to pull the file under FCRA from Equifax 's online portal, my wife contacted Equifax 's Executive Services office to inform them of the issue and was informed that Equifax did not have to provide online access to the file, and that if my file met certain unknown " perimeters '' of Equifax 's security system, I could only get it via USPS. My wife informed Equifax of the security concerns of mailing the report due to poor service in our area with USPS and was told it did not matter, online access was a " courtesy '' not a requirement. I had to go to Equifax 's website and pay {$15.00} for a report and score because Equifax refused to reach out to their security department to address the issue. When my wife called Equifax this morning to request a refund, as I am entitled to a free report under FCRA, she reached an overseas call center that refused to even speak to her about the refund even though the card that paid for the report was hers and she was not asking for them to disclose information on my file. She informed them that we would be contacting CFPB to inform them that Equifax was refusing the refund ( they claimed the charge " does n't qualify for a refund '' ) and XXXX, the supervisor in Personal Solutions for Equifax responded by telling my wife " go ahead, tell them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Billing statement was returned to Synchrony bank for no reason caused by me. I had always paid bill on time at Lowes in person. Synchrony stopped use of card due to lack of payment. Ispoke to representative and asked for another statement to be sent to my same address. I called them upon receipt and gave my bank information to have direct payment made. The rep for Synchrony said payment went through and was credited the amount of XXXX which was balance as of XXXX. The following month a received a statement for {$42.00} which I paid. Then i received a notice that my bank did not pay the XXXX. I called Synchrony and they said I only owed the XXXX. On XX/XX/XXXX I opened a correspondence stating that they had issued a credit to my account for the amount not paid supposedly. I went into local Lowes and was told I owed nothing per their records. They are not linked to Synchrony so they have no cross check to see what is on a card. On XX/XX/XXXX another correspondence from Synchrony stating that the XXXX cancelled check was never cashed by Synchrony so that is why it was not posted to my account... I went to XXXX which is my bank and got all information regarding my account and no where does it show Synchrony requesting these funds. Sychrony has reported this to credit bureaus which is bogus after all I've done to pay this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I noticed that the balance on my checking account had decreased by {$1600.00}. There was no obvious reason for these missing funds. I called my bank, PenFed Credit Union ( XXXX XXXX XXXX, XXXX, VA XXXX ) to inquire how it was possible that there was this discrepancy. They were not able to assist me at that time and advised me to call back on Monday, XX/XX/2022. 

I called PenFed Credit Union back on XX/XX/2022 and was immediately transferred to the XXXX XXXX XXXX ( FSO ) after talking to the customer service representative. 
The XXXX at XXXX instructed me that my missing money was on hold. The hold on my money was being done to cover a wire reversal from a wire done on XX/XX/2022. I asked how this was possible and they told me that the only remedy to lifting the hold was to contact the bank who initiated the reversal, XXXX Bank. 

I first contacted the person who sent me the wire on XX/XX/2022. He insisted he did not reverse the wire. He contacted his bank, XXXX Bank and asked them about the reversal. 
XXXX Bank ( XXXX XXXX, XXXX Corporate Security XXXX ) disclosed they were not the ones who initiated a hold on my funds. They sent me several emails confirming this fact. 
I next sent a copy of XXXX emails to XXXX. The only way to communicate with XXXX was by uploading scanned copies of the emails through their website. 

I called the next day to talk to PenFed XXXX  and confirm they had received the emails and ask when the hold would be lifted. The customer service representative I talked to refused to let me talk to anyone in the XXXX office. 
Now it is more than 9 days since the original hold was placed on my funds. I do not know why from PenFed and there is no time provided from them on when their investigation regarding the hold will be completed. 

I need my money to be release by PenFed immediately. I was supposed to use these funds to pay my rent this month. As of this date, I still dont have my money available and my account still shows that PenFed is holding {$1600.00}. Please help me by investigating these facts and implore PenFed to immediately release my money. 

I believe that PenFed has held my funds illegally. There must be a limit on how long they can hold funds pending an investigation. I am also asking for punitive damages against PenFed for their actions in this matter.

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