BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I consolidated my loans to navient. I just paid over the phone and paid the amount due. In XX/XX/XXXX I started to pay more than the minimum payment and always selected to have any overpayment paid directly to the principal and not advance my due date. After a few payments the option stopped appearing. Months later I noticed on my bill that they were automatically advancing my due dates. In XX/XX/XXXX I changed it online for all overpayments to be applied to my principal. I then noticed that on my XX/XX/XXXX bill I was charged more interest than I owed from previous payment. I called and they reviewed it and said they would fix it and determined it was because even tho I was making full payments my interest was not being satisfied first. The women I spoke with said she could not explain it and the accounting department would have to clarify. I asked for this to be clarified and why this was happening and for them to review my account. Even after calling again nothing ever came of it and the only response I got was that my interest wasnt satisfied and it needed to be satisfied before I could pay on the principal even tho for years I had been paying every single month and more than the amount of interest that would have built up from the previous month. Every time I call they say it will take weeks for a response so I have given it plenty of time. But they are still advancing my due date and not applying my payment to my interest first and directing everything else to my principal. I can find exact dates of phone calls but it would take some time to check back on my phone bill so if its not necessary I Don't want to waste my time. I am extremely frustrated and just want my money to be allocated correctly and for my past payments to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: IQOR US INC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Allied Interstate continuously calls XXXX or more times per day. On XXXX XXXX 2015, I made contact with Allied interstate, they were calling my work number. I informed them they could not contact me on that number. Once more they contacted me on my work telephone number. I set up a payment arrangement with them on that day to be dated for XXXX XXXX 2015. On XX/XX/2015, They called me XXXX before XXXX. At approximately noon on the XXXX of XXXX 2015, I called them back stating our arrangement. I further instructed they could call me at the number I gave them no more than once per day. If that was not acceptable, then they would need to communicate with me By Mail Only. Allied Interstate has since began calling me multiple times per day. As of XXXX on the XXXX of XXXX, I have been called XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
SOURCE RECEIVABLES MNG. has been and is still constantly tarnishing my reputation, negatively effecting my business arrangements, and invading my privacy all through my consumer credit report. This is an ongoing battle in my life despite the fact that SOURCE RECEIVABLES MNG and I NEVER even had a contract ; I NEVER consented to do business with SOURCE RECEIVABLES MNG. Therefore, it is unlawful for SOURCE RECEIVABLES MNG. to collect on this alleged debt & that means they should have NEVER been able to have this type of crippling impact on my life. I have previously filed a complaint against XXXX XXXX XXXX, whom removed this SAME COLLECTION from my credit report with all 3 Credit Bureaus, and sold my information to SOURCE RECEIVABLES MNG, whom are currently listed on my credit report as a collection. XXXX XXXX XXXX, has since been REMOVED from my Credit Report. They responded by attaching an evidence of indebtedness with XXXX as the original creditor. I never gave consent for XXXX to sell or furnish any of my personal information! My life is at a halt right now because I am being oppressed by these criminal and fraudulent acts being executed by the two parties. These two parties are knowingly and willingly breaking laws and violating codes of the United States. XXXX knows that the alleged debt arising from this consumer credit transaction was paid in full in accordance with the law.. 16 cfr 433.1, 16 cfr 433.2.. In nexus with this account ( an account that should been in accordance with 12 cfr 1002.2 ( a ), I gave a negotiable instrument per UCC 3-104 ( b ) so for XXXX  to continue to try to collect further payment from me, the consumer and debtor, proceeding that is unlawful ; Them reporting negatively to other parties about me is unlawful ; Them calling me or my account " delinquent '' is them implicating that I, the consumer, did something disgraceful and is in turn, a violation of 15 usc 1692e ( 7 ). They know they are reporting false information ; 15 usc 1692e ( 8 ) .. For them to continuously use a false representation and deceptive mean to collect or attempt to collect any debt from a consumer is a blatant violation of 15 usc 1692e ( 10 ). A complaint has also been made with the FTC regarding this account and debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Both Experian and XXXX will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the XXXX of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The XXXX of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to Experian, XXXX and XXXX. XXXX has updated my account and removed all late payments. Experian and XXXX has not. I started a dispute with both and Experian made no changes. XXXX has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.

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 2021-04-21
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this to dispute the XXXX XXXXXXXX charges on my credit report. 

I was a customer of XXXX for several years. Early in the year 2016 I received a bill of approximately {$1200.00}. I immediately called XXXX to dispute the charge. The first customer service representative informed me it was some international call made from my then XXXX XXXX XXXX XXXX phone. I immediately reminded the representative that every phone on our account was blocked from all international calls. After checking the system, he noticed and confirmed the block. He then informed me the charges will be removed, he just needed the manager to authorize it. 

XXXX weeks later, I called to confirm the charges were removed. I was told they were unable to remove the charges and did not have an explanation as to why not. I then inquired where these calls were made to since the numbers looked very strange. They could not tell me exactly where, but suggested XXXX. After informing them we would never make any calls to XXXX ; and reminding them about the international block again, I was told to give them some time to investigate. 

This went on for XXXX months, I paid the difference on the bill until I had had enough and told them to cancel our service. The service was apparently only " interrupted '' for another XXXX months but was never disconnected. I received a bill for over {$2000.00}. I called to inquire about the charges, and was told the services were not disconnected, but just " interrupted. '' After I played a recording of the last conversation where I disputed the charges and requested they discontinued services, I was told they could not stop services then. 

Since then, XXXX can not give me an explanation about the calls, about the international block, or why they did not disconnect the phones when I requested they do so. Every year since for XXXX years XXXX recalls the debt, and assigns it to a new collection company puts it back on my credit report and re-aging the debt.

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 2016-01-21
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I split our mortgage payment. We XXXX made our payment, but mine was dated with last year 's date of 2015. XXXX mortgage sent my portion back stating it had the wrong date. I immediately bill paid the payment. I received a late fee of {$79.00} because my half of the mortgage payment was past their grace period. I tried to contact them via phone, but there is automated systems only. I contacted them via email explaining that my payment was n't late it was on time they returned it. That does not seem legal to me. Please advise me if this company can charge a late fee when they in fact receive payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: SOUTHSTATE CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
MY NAME IS XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT TO REOPEN A FRAUD CASE WITH XXXX SOUTH STATE BANK REGARDING FRAUDULENT CHARGES SOMEONE STOLE MY WIFE XXXX XXXXXXXX XXXX  WALLET AND PHONE SHE IS PART OF MY CHECKS, WHO STEAL XXXX XXXX 'S INFORMATION OPENED ACCOUNTS IN OTHER COMPANIES TO FRAUD AND IN THE SAME WAY USED SOUTH STATE BANK TO MAKE FRAUDULENT TRANSACTIONS, SINCE MY WIFE XXXX XXXXXXXX XXXX PHONE KEEPS PHOTOS OF HER TO USE AS PROOF OF IDENTITY AND I ALSO KEEP A PHOTO OF MY DEBIT BANK CARD WHICH THEY USED TO CARRY OUT THE FRAUD WITH THE BANK, IN THE SAME WAY I REPORTED THE FRAUD TO THE BANK BUT I WAS NOT KNOWN THAT THEY HAD USED XXXX XXXXXXXX XXXX INFORMATION TO DO THE FRAUD, I REPORTED THIS TO THE POLICE DEPARTMENT I ALSO DID AN IDENTITY THEFT BECAUSE SHE WAS A VICTIM OF IDENTITY THEFT AND EE FRAUD, PLEASE REOPEN THIS CA SO AND HELP ME RECOVER THE CREDITS TO MY BANK ACCOUNT, SINCE MY ACCOUNT HAS A NEGATIVE BALANCE OF {$15000.00} DUE TO THIS FRAUD HERE IS THE IDENTITY THEFT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: I.C. System, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I.C. Systems Inc is a third party debt collector who has violated multiple of my consumer rights. Pursuant to 15usc 1681 ( 2 ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries please delete them I did not at anytime give these companies a right to access my credit report

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 2020-07-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 
My mailbox XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX2020 Sequium collection open a account under my name to try to collect XXXX dollars from a original creditor XXXX XXXX XXXX. They reported It to the credit bureau. I have a derogatory mark on my credit from something that does belong to me. This company is located in California. I called sequium, I called XXXX  ( XXXX XXXX XXXX ) they did not help me with this issue. I live in Florida, I have never open a account with this company located in California. 
Please help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they called this morning at XXXX and called numerous times over the weekend, they have already been notified to stop calling as we are going thru a debt consolidation program and they still call harassing us no matter how many times we have told them to talk

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 2020-04-09
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
my original 2nd mortgage was with XXXX XXXX but they had filed for bankruptcy. By letter dated XXXX XXXX advised that effective XX/XX/2020 I was advised that Shellpoint Mortgage Servicing would now service my loan. Made XX/XX/2020 payment and by an undated letter from Shellpoint I received my loan info including new loan number and balance. On XX/XX/2020, I contacted Shellpoint ( also known as New Res ) to inquire about bill to pay mortgage and was told a payment coupon should have been included with undated letter but it was not. At that time I asked for a pay-off figure for my mortgage thru XX/XX/2020 and the CSR took my info including my e-mail address and said I would receive the figure via e-mail within 48 hours. I did not receive my pay-off figure as indicated and called back on Thursday XX/XX/2020 I called and went thru same process of requesting pay-off and was told I would receive via e-mail. I also completed an on-line request for a pay-off figure thru XX/XX/2020 and it indicated I would receive figure within 5 days. Since I did not receive requested pay-off I called again ( XXXX ) and spoke to a CSR who stated that there was no record of my requesting a pay-off figure. I told what the previous CSR told me regarding receiving pay-off w/in 48 hours and she said why would they tell me that when she alleged it would take 5 days. I told her the CSR works for Shellpoint so go ask them. She apologized and again took all info and said I would receive via e-mail within 5 days. Since my first request was XX/XX/2020, I should have received it 4 days ago. Since apparently they are a collection agency I believe they delay providing the pay-off figure so they can make more money holding the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi Bank charged me a {$25.00} maintenance fee when they switched to XXXX XXXX XXXX when it was previously free due to having my mortgage with them. When I called Citi Bank to dispute the charge they told me that there was NOTHING that they could do to help me because that was a XXXX XXXX XXXX charge. But, Citi was still the name posted on the bank. Citi told me I would have to now speak to XXXX XXXX XXXX to get them to credit the fee. I then contacted XXXX XXXX XXXX and they said that it was actually a Citi charge and they could NOT help me. When I called Citi back they said they would like to help me but because they no longer have a bank in Texas they could n't help me at this time. I told them that I called them while they they were still here and I had an account with them. Why did they send me on a wild goose chase just to get out of taking my money. I do n't want their money I JUST want MY money back! They deducted the {$25.00} from my account. This is highway robbery and totally unfair! My name is XXXX XXXX and my account number was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: IL
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:
XXXX has failed to remove the following account from my credit report after Equifax and XXXX has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: AFNI INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act Afni , Inc # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Selene Finance LP
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a complaint against my mortgage Co Selene Finance. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX phone # XXXXXXXXXXXX XXXX sold my mortgage to Selene. I had an agreement with XXXX that if i paid before the end of the given month i would not be charge late fee. I was not behind on my mortgage. Once this was sold I also contacted Selene and asked them to do the same since we live pay check to pay check and my husband gets paid on the XXXX sometimes going past the XXXX which the mortage is due by. they would not comply with this. To make matters worse I was out of work due to an opperation and did not get paid right away. The mortage was due so we sent in {$1100.00} not the full {$1400.00}. What we did pay was the principal and interest and some towards the escrow for taxes and insurance. They cashed the check but said they can not credit the account because they do not post partial payments. So now my statement shows {$1100.00} unapplied and am considered late. I want them to post the {$1100.00} and not consider me late. What else can I do. I also want them to work with me to not charge the late fees which are building up. What can I do. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: ERC
State: CA
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:
It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief