BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 'm writing a complaint in regards to First Tennessee Bank ( FTB ) not being able to assist me with the annuities I purchased from FTB. Since, I had not been receiving all of my statements in the mail, I went to FTB to advise them that I had not received my statements. I have only received one statement from XXXX and was requesting my other statements as well. I was told to contact XXXX XXXX, a Financial Specialist with FTB who could see whom my investments were with. XXXX called XXXX and stated that I only had XXXX annuity with XXXX and not XXXX. She stated one was with XXXX and the other was with XXXX. Also, she told me before XXXX I was originally with XXXX, then it changed hands with XXXX, and last with XXXX. Additionally, she said that XXXX dropped my XXXX annuity. I told XXXX, FTBs records show XXXX annuities and it has been reflecting that for over twenty years. 

Displeased with XXXX, I contacted XXXX at First Tennessee Bank ( FTB ) and was given the brokerage phone number with FTB. I contacted the Brokerage department with FTB and spoke to XXXX XXXX. He indicated that I had XXXX annuities ( XXXX with XXXX and XXXX with XXXX ). There are XXXX IRA 's with XXXX and the account numbers. An example of these account numbers with XXXX are the following XXXX and XXXX, and third account with XXXX and account number is XXXX. I called XXXX, the Financial Specialist back to inform her what the brokerage side said. She repeated, XXXX only has XXXX annuity and had dropped the other XXXX. She told me to call XXXX. I told her I took out these IRA 's with First Tennessee Bank not XXXX. She said it has not been dropped on the bank side yet and I had to prove I have XXXX IRA 's with XXXX although the bank records show that I have XXXX. I told her again these accounts were over twenty years old and I can not find the papers. I have received only XXXX statement from XXXX. It has been several weeks and I have not received statements from the companies that First Tennessee Bank invested my money with. 

I only have proof of my annuities from the print out obtained from First Tennessee Bank. I have attached these documents for your reference. Also, these annuities have been reflecting on FTB records for over twenty years. That should be proof enough. Let me know if you require any clarification. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.

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 2016-09-24
Company: Lendmark Financial Services
State: OH
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Account terms and changes

Complaint:
I got a personal loan to get my credit established and to get my car fixed from a certain loan company. I stayed caught up on my payments for as long as I had it, maybe 1 yr or little over and my payments came straight out of my bank on time. Then I get a letter about 2 months later stating that my payments was late and they could n't no longer get the payments from me because they sold my car title to another loan company and I had to sign papers so they can withdraw payments from my bank account again and then I ended up having to pay 2-3 months to catch up. I was n't notified and I did n't sign anything. Why? Because they did n't inform me until I was 2-3 months late. I could n't pay that much at one time because I 'm on a fixed income. Also the loan company they sold my title to another loan company that NEVER let me barrow anything from them when I asked in past. I am concerned, upset and overwhelmed from this. It is ruining my credit as I am trying to gain it back. I feel it is wrong that they DID NOT let me know nor did I sign papers for them to do so. I need some help in resolving the matter. Could someone at CFPB help me get through this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX, A new address popped up on my credit report. I do not live in XXXX XXXX VT this Addresses newly reported XXXX XXXX XXXX XXXX, XXXX, XXXX live at XXXX XXXX XXXX, XXXX, XXXX, VT XXXX. I have never lived at the XXXX address above and have no plans to. I have never worked for XXXX but have worked for XXXX for 21 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Stellar Recovery, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
STELLAR IS CALLING MY CELL PHONE NO AFTER CEASE COMMUNICATION LETTER DATED XXXX/XXXX/2016 IN VIOLATION OF TCPA AND FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: TX
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:
My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: CCS Financial Services, Inc.
State: NV
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:
I have my XXXX  credit report from XXXX 2020. It shows the list of accounts that were deleted, yet the other bureaus were not updated. I made contact with the creditors to ask for a deletion letter to be sent to the other bureaus. The gave me the complete run around. They do not have the correct address or phone number for me, the account number I gave them did not pull up in their system, they had to use my name to find it. I advised this could be why they sent deletion status to XXXX  because when my dispute was received they had no information to pull the account up. The account was NOT verified in their systems. 

Credit Collection Service : Acct # XXXX -- {$110.00} XXXX Spoke to XXXX the supervisor, who advised that a dispute was received and a response was sent to the bureau as invalid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
It 's nice that consumers can view their credit report once a year for free. But it is not so nice that consumers are required by the credit reporting companies to join their credit monitoring service. Your credit score should not be held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went on line to XXXX XX/XX/2017 to check my credit score, and I noticed it had dropped down, I checked to see why, and I saw a Stellar Recovery ... XXXX, so I called this morning and found out it was a debt for {$270.00} with XXXX, I asked Stellar Recovery if they had a address ... .XXXX..account # XXXX ... .I never in my life lived at that address or had that account #, and I have not been with XXXX no time soon. This does not look good for my credit, I pay my bills on time, never late and I do n't have money to just give away. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
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:
I was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen is servicing a paid off mortgage that is still on title for this property. We are attempting to short the XXXX mortgages active on the property but can not continue due to the Ocwen serviced mortgage. Ocwen has refused to process a lien release because they received it from the previous servicer with a zero balance. Despite numerous verbal and written requests for the following information, Ocwen will not cooperate and provide answers to the questions below. 
1. Current status of account 2. Date of service transfer 3. Identity of former servicer 4. Identity of former/current mortgage holder

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Social Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I was declined for a student loan consolidation with XXXX XXXX. They informed me today that my loan was declined. Here was my response to them : This is extremely disappointing and troubling. Your adverse action report states that the principal reason for denial of my application was " Delinquent past or present credit obligations with others. '' In disbelief, I ordered a copy of my credit report from XXXX, with whom SOFI made the credit inquiry. AND THERE ARE ABSOLUTELY XXXX NEGATIVE ITEMS ON MY REPORT. No late pays, defaults, etc. 

Your approval process, dragging out over several weeks and requiring multiple uploads of the same information ( paystubs ) that could 've easily been understood by people of average intelligence, was ridiculous. Particularly as your site says that information from the Work Number ( which I also uploaded ) was an accepted form of income verification. I was willing to put up with that at the prospect of getting a fair rate on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I took a payloan check and became unemployed and lost all funds and my bank account was closed, I explain this to them and they would not accept payment arrangement, so they call me every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: Stellar Recovery, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe. 
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports. 
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report. 
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored. 
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB. 
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA. 
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas. 
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours. 
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe? 
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB. 
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: RMS-Recovery Management Services, Inc.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.

Company response to consumer: Closed with explanation