BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-05
Company: Fay Servicing, LLC
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold twice apparently, in quick succession, around XXXX XXXX. I received mail from XXXX different companies that they both now had my loan, and when I called the XXXX company, XXXX, it appeared I was not in its records, then I received a lot of mail from Fay Servicing. Fay was not up-to-date with its records in XX/XX/XXXX, so I mailed check # 1 on XXXX XXXX, XXXX to cover XX/XX/XXXX and XXXX XXXX ( {$840.00} ). Fay processed my XXXX XXXX payment by XXXX XXXX, XXXX, check # 2 ( {$420.00} + {$30000.00} additional principal ). I have a picture of the check/slip before I mailed it. My XX/XX/XXXX Fay interest/tax record came in the mail and it appeared correct ( it seemed like 3 months of interest ). I paid by phone on XXXX XXXX, XXXX ( # XXXX, # 3 payment ever to Fay ) and the recording was not giving me an accurate due date for the payment. I looked on the back of the monthly statement mailed to me and it stated a {$25000.00} principal reduction and {$5400.00} payment applied. That would mean I would have over 12 months of payments PAID IN FULL and this does not match with the XX/XX/XXXX due date that Fay keeps mailing me. This makes zero sense and does not appear to match the payment breakdown on the front of the XX/XX/XXXX monthly statement, {$29000.00} plus {$710.00} interest. All the monthly statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all said payment due XX/XX/XXXX. XXXX, the incompetent account manager assigned to this loan, was giving me different numbers that were in the Fay system that did not match the monthly statements numbers when I spoke to him. This was during the week ending XX/XX/XXXX. I asked for the numbers that were in the system to be mailed to me ; he refuses to call me and deal with this. He said that he would have to do the next phone payment so that it is applied correctly but he never called me so that I could make a payment. I called Fay again before I submitted my XXXX taxes XX/XX/XXXX, week ending XX/XX/XXXX, and I got another rep who said he would discuss this case with XXXX and someone would get back to me. XXXX called me at work on XX/XX/XXXX at XXXX EST, hung up, then I hit redial and got his voicemail. I left him a message but have not heard from him. I called on XX/XX/XXXX and got a rep who I asked to be transferred to XXXX 's supervisor, XXXX, and I left a voice mail. I have received a bill dated XX/XX/XXXX that I owe a {$21.00} late charge for XX/XX/XXXX and I received the latest monthly statement with a XX/XX/XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Fredericksburg Credit Bureau, Inc (Closed)
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Avant Credit Corporation
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2016 a loan was taken out in my name with XXXX XXXX and on XXXX XXXX, 2016 another loan with Avant was opened in my name that I did not open and did not authorize anyone to open either of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi my name is XXXX XXXX and I have been dealing with this issue for about 3 months with Comenitybank/Victoria XXXX My account has been closed for quite some time now however this relationship with Comenitybank/Victoria has been gettting from bad to worse. They are reporting inaccuracies on my credit report across all 3 credit bureaus. The account information that is reporting incorrect is the two late payments for XX/XX/2018 and XX/XX/XXXX 2018 30 day and 60 day respectively, however I have never had a late payment with this account and all my payments were made in store and on time for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I 'm being sued by national collegiate trust out of state. They never tried to work with me to make reasonable payments. I lost my job and fell behind. My account went straight to collections. I got a job offer out of state and relocated for that job job. They did n't contact me for years and now there is a lawsuit. To make matters worse it 's being filed in Illinois and I no longer live in the state. I can not afford to fly back and defend myself from these charges and they have not served me but I checked the online court docket and a motioned was filed against me in XXXX to be scheduled on XXXX XXXX. I 'm also concerned that the statute of limitations might have lapsed on this debt and that it is not legal for them to pursue me for it

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

Complaint:
I had a balance due in XXXX 2016 of around {$30.00}. This amount was paid in Macy 's store and some returns I made to my account made up the balance owing. Since then Macy 's has charged my account with XXXX dollars in late fees and interest totaling more than {$300.00}. I also have made several returns on my account and Macy 's has used these returns to pay for their late charges and fees. I have made many requests for Macy 's to have a manager for several months now to call me but I have received no calls from a manager from Macy 's. On XXXX/XXXX/16 I again spoke with a customer service representative named XXXX ID XXXX and XXXX ID XXXX and asked both for a manager to call me but no manager from Macy 's has called. I was told that a manager would call me in 24 to 48 hours. I have held a XXXX and Macy 's account for more than 40 years and they have cut off 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 monetary relief
Consumer complaint received 2017-05-31
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received collection notices from  XXXX  stating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from Santander. I had a vehicle repossessed by  Santander  in VA in  XXXX .  XXXX  is reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  XXXX  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  Santander as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing  me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: First Data Corporation
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX store # XXXX in XXXX, try paid with personal check, got decline bi TELECHECK COMPAY. I have money in bank. Called TeleCheck company ask what go on? answer because never pay with check the system take action. ( negative? ) -because try to use it pay via check? ( not fear )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX. XXXX, XXXX & XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: AES/PHEAA
State: PA
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:
2 Issues : My loan was for attending the University of XXXX from XX/XX/XXXX to XX/XX/XXXX. Approximately {$10000.00} per year was borrowed. It became clear to me about one year in that the XXXX was only concerned with taking my money, and had very little consideration for the quality of education it was offering. Classes were taught by local business folks with little or no experience as educators. Classes were often dismissed hours early. Everyone received an " A '' grade on every assignment, regardless of the quality of work submitted. In XX/XX/XXXX, I decided to suspend my " education '' because of the lack of value I was receiving -- I was already {$30000.00} in debt ; I did n't want to push it to {$40000.00}. 
Issue 2 : After I left XXXX, the real nightmare began. I was contacted soon after I left school to begin repaying my loans. I started to do so, but was having trouble making the payments they were demanding. I was told if I could n't make the payments, the servicer would garnish my wages at a XXXX % rate -- I thought this was a better way, because i would n't see the money, instead it would go straight to my balance. Not so. In XXXX year or more of garnishment, more than {$11000.00} was collected from me. NOT ONE CENT went to my loans or interest due ; instead, the servicer charged me penalties in exactly that amount, while at the same time reporting against my credit. My credit was ruined, and it remains ruined today. 
Now, after completing a " remedial '' program with FedLoan Servicing wherein I made 9 months worth of payments to get back to current status, FLS promised to remove the derogatory information from my credit. After completing the program, they refused to remove the derogatory information, and my credit is still ruined. 
I have no education, {$17000.00} in debt ( after working very hard to get to this point ), and a bottom-rung credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: FirstPoint Collection Resources
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One 360 Checking Account - Online and Mobile Account Access and Management!! 

I have a 360 checking account with capital one and every time making payment using my routing and account number. These transactions do not show up under any pending, processing, scheduled, future, etc. within my transaction activity history. Although these payments are reflected in my available balance!? 
Online account manager on the account page there is an Icon next to it. 
" Upcoming Transactions '' click on it. 
It states " These are transactions that are set to happen in the next 30 days. Since they have not happened yet, they do not affect your available balance. If you have transactions scheduled for more than 30 days in the future and would like to edit or delete them, please call us at XXXX any day from XXXX - XXXX. 
" Past Transactions '' click on it. 
It states " This includes transactions that have affected your balance. 

Now if this is the case then why are none of the payments which I make using routing and account number not listed within these categories instead of not even being visibly listed entirely under my transaction activity!?!?! 

I initiated chat with capital one customer support within from my online account and spoke with representative who first told me it was a known tech issue. Okay that's fine if it was the truth, then why did I not receive anything notify me of this known tech issue?? Then further into our conversation he told me that it was just how there system processes these types of payments. Okay that's also fine if it was the truth!! The answers he provided to me was contradicting just like the online account manager it is  deceptive!! Providing capital one customers with inaccurate account information!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I informed the company that I filed bankruptcy on this debt. I was told that the debt would still be included on my credit report until they hear from my attorney saying that it was filed in the bankruptcy. I offered to give them my bankruptcy number the woman I spoke with told me she did n't need it she would deal with my attorney. My bankruptcy has now been XXXX but this collection account is still being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. TRANSUNION has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with TRANSUNION. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX* U S DEPT OF EDXXXX XXXX

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 2021-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery is illegally reporting a 19 year old debt of a XXXX XXXX XXXX XXXX and XXXX XXXX credit card that was opened in XX/XX/XXXX. The law states that after 7 years the debt should be removed off of my credit report ; but Portfolio Recovery keeps reporting it as a new debt. They can not report old debt as new. Ive disputed with them and the credit reporting agencies, but it is NOT getting removed from my credit report. It should not have showed up after XX/XX/XXXX ; however it was just recently reported on XX/XX/XXXX. The removal date keeps changing each time they report it as new. Please help me get this debt removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2010 I, purchased a new construction home through HUD First-Time buyer program. Wells Fargo Home Mortgage originated by mortgage documents for HUD. 
After closing I had discovered the home was never inspected during any phase of construction. The building permit was not valid, and the certificate of occupancy should have never been issued without inspection reports. The Builder 's Certification of Plans, Specification, & Site form was also fabricated. The individual who signed as a member of XXXX Properties is NOT a managing member. A building permit was never sent to the XXXX County Assessment Department, which is also required. HUD requires the lender to report allegations of fraud to the HUD XXXX office for further processing, but Wells Fargo has never reported anything to HUD XXXX. I kept trying to reach Wells Fargo the day after closing, but never received any reply. A few months later I receive a letter from Wells Fargo stating my mortgage had been sold, and XXXX Bank would be servicing my mortgage. 
Wells Fargo never addressed the allegation 's of fraud, and sold the mortgage to clean their hands of it. Wells Fargo would send letters stating they could not help with the issues, but under law they are suppose to refer the complaint to HUD XXXX. Wells Fargo, and XXXX Bank have continuously denied the alleged fraud. I have received form letters from both institutions denying fraud had accrued during origination. At the end of the day Wells Fargo, and XXXX Bank are defrauding XXXX XXXX, HUD, and I. All correspondences to my home were fabricated , XXXX does not exist, XXXX Properties Registered Agent has filed a statement with Attorney General XXXX XXXX 's office " XXXX Properties did not build the home, or receive payment for the purchase of the home, and has no documentation regarding the sale of the home '' Wells Fargo 's underwriters failed to comply with HUD property requirements. The City of XXXX XXXX terminated the employment of Public Works Director, and City Clerk for fabricating documents to my home, how is that not PROOF?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Reference to previous complaint XXXX The response to CFPB complaint # XXXX did not include the correction requested for XX/XX/2021 payment made to XXXX XXXX servicer. If Fay servicing LLC corrects that mistake, then the second payment made on XX/XX/XXXX in the amount of {$1500.00} goes towards the principal amount. This reduces the principal amount as well as interest on the remaining principal. It is my humble request to Fay Servicing to look at the complete payment history from XXXX and fix the transactions with Fay Servicing LLC ASAP. I expect the recalculation after fixing the transaction and a refund. 

It is my humble request to assign the complaint to a competent expert to look at the complete payment history of XXXX XXXX and Fay Servicing and explain every transaction in depth while responding Thanks!

Company response to consumer: Closed with explanation