BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
PayPal has decided to put a larger portion of my money into a " reserve '' making it unavailable. They claim it 's from a transaction from a company that I 've done business with several times before so with this history, they have no reason to hold these funds. They claim it was because of relatively low activity ( my wife had XXXX, which can easily be verified so naturally my business transactions slowed significantly during this time ) and that I was in a " XXXX '' industry. I own a XXXX. All transactions are paid and when we receive an inventory order, larger purchases by us are made for material costs. This reserve hold in the amount of {$2000.00} is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife and I had first mortgage thru XXXX and loan was owned by XXXX. My wife was unemployed for nearly an year and received unemployment benefits in XX/XX/XXXX/XX/XX/XXXX. During that we were late in monthly mortgage payment to XXXX for several months and then we paid on time each month a reduced amount as stipulated. However XXXX reported to credit bureaus we were seriously delinquent for 11 month period and did not pay the mortgage at all and that is misrepresentation of the fact. This faulty data messes up the Credit score and we were unable to refinance the mortgage in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Midwest Recovery Systems
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I obtained a first mortgage from First Citizens Bank and was charged {$100.00} for fax service between them and the attorney. There never was any faxing taking place as confirmed by the attorney. I have called different people at the bank for the last three weeks. I ca n't get anyone to call me back to resolve this issue. I wonder now how many people they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Van Ru Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. 

I have also reported them to the attorney general of Illinois. 
No one needs my SSN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-28
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: United Student Aid (USA) Funds
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had 1 loan with XXXX/USAFunds/XXXX for {$15000.00}. It was in deferment for 10 yrs while I was taking classes and then in forbearance based on recommendations from XXXX. Due to a divorce my loan went into default for 3 years.
XXXX, a collection agency for XXXX, represented that they were collecting on all 4 of my defaulted loans. I paid the amount that was negotiated for my total student loan debt, but only the 1 loan I had with XXXX was paid. USAFunds/XXXX website shows I paid over {$20000.00} in interest and fees, when a letter from XXXX shows interest and fees around {$9000.00}. The XXXX/USAFunds website says I paid a total of {$59000.00} for a {$15000.00} loan.
After calling and discussing with USAFunds/XXXX they said that I negotiated that amount and would not refund any money. The collection agent for XXXX, XXXX, uses illegal tactics and fraudulently represented that they were collecting on all four of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today on XX/XX/2021 I called Financial Data systems LLC to verify a debt that is listed as a collection account on my XXXX Credit Report. I was informed that it was a collection for An apartment I rented with XXXX XXXX Apartments. I informed the representative that Ive never received documentation regarding the Debt from the Original creditor Nor Financial Data Systems XXXX. When asking for Validation of The debt. The representative stated it would be an additional {$XXXX} for me to get an email verifying the debt. I believe this is Fraudulent. I want this to be removed from my credit repost because theyve never sent any Documents regarding this debt but sent it to collections without any information regarding what this is for. There contact number is ( XXXX ) XXXX. Mailing address XXXX XXXX XXXX, XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Rent Recover, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not break no lease this is was closed in court by XXXX which is preserve in XXXX illinois. New management XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.

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 2021-11-24
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: Investigation took more than 30 days

Complaint:
I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Jacobs, Marsh LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?

Company response to consumer: Untimely response
Consumer complaint received 2017-02-22
Company: Colony Brands, Inc.
State: NE
Product: Credit card
Issue: Other

Complaint:
Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested PMI cancellation. The eatablished value of home is over XXXX. Current amount owed on home is around XXXX. BofA claims they can not cancel PMI yet loan is current. The payment history is a bogus claim by BofA to extend PMI payments longer than requested. The laws do not permit or support this claim.

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 2015-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company, XXXX, refuses to update my Transunion account correctly. XXXX of my old school loans from XX/XX/XXXX, that were both consolidated and transferred to another lender in XX/XX/XXXX, are still showing as OPEN on my credit report. These loans are from XX/XX/XXXX AND XX/XX/XXXX. I have called XXXX and Transunion, but they do nothing. It is getting reported correctly on XXXX, so, XXXX needs to call and fix it with Transunion. I have already didputed it before, and XXXX did nothing more than add a remark on my account saying payment deferred, Which is incorrect and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Upon reviewing my TransUnion credit report [ file # XXXX ] I found that the report showed that TransUnion had provided my credit file information to XXXX parties, XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ). After a review of Fair Credit Reporting Act, 15 USC 1681 et seq ( " FCRA '' ) I am unable to identify any valid permissible purpose that either XXXX or XXXX would have to obtain my personal credit file information from TransUnion. 
Despite my written request XXXX and XXXX have both failed to identify a permissible purpose authorizing either of them to obtain my TransUnion credit file. 
I sent a letter to TransUnion ( see attached XXXX Letter to TransUnion ) requesting that it identify the specific permissible purpose that XXXX and XXXX each certified to TransUnion as well as the date of that certification ( assuming there was any certification provided to TransUnion ). TransUnion responded with a generic " Explanation of the Inquiries on Your Credit Report '' ( see attached TransUnion Response ). TransUnion failed to claim - as required by the FCRA - that either XXXX or XXXX certified to TransUnion that they had a permissible purpose or that TransUnion had reason to believe that it had a permissible purpose to provide those requester my credit file information.

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 2016-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a account with bank of america over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.

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 2017-01-25
Company: Select Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX just respoded to my complaint stating that they mailed all these letters yet the only verification that they have proof they mailed me anything was the .... XXXX XXXX, 2016 which is clearly shown on BOTH MAILING envelopes they have included as proof they mailed me papers the date is CLEARLY printed above the bar code ... ..they copied the same mailing proof twice trying to say it was sent different times ... .they have no other verification that they mailed me anything REGARDING A MODIFICATION because THEY NEVER DID THEY ARE THIEVES JUST LIKE XXXX AND XXXX THEY USED FALSE DOCUMENTS TO STALL AND STEAL MY HOME

Company response to consumer: Untimely response
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Experian currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.

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 2017-04-05
Company: AES/PHEAA
State: AZ
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:
Good morning my name is XXXX XXXX ( XXXX ) about XX/XX/2009 I attended XXXX School and took out loans to pay for my school. Fast forward to now I am currently being garnish by PHEAA-AES ( XXXX ) for the past 3years to pay my school loan. XXXX ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency AES/XXXX, AES/PHEAA, XXXX, U S DEPT OF ED/XXXX, XXXX XXXX are on my credit report with XXXX.. All are claiming ownership of my loan with XXXX school for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?

Company response to consumer: Closed with explanation