BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made numerous attempts to pay the mortgage company. I began calling in XX/XX/XXXX, they ignored my calls. In XX/XX/XXXX i made a formal complaint and they assigned XXXX XXXX to my file. I applied for 2 modifications and was denied. they said my payment started at {$510.00} and is now {$740.00}. they said since it increased they cant help me. I asked them could they waive or reduce fees, they said no. I offered to pay {$1500.00} per month, 2x the mortgage they still say now. my mortgage statement say that i owe $ XXXX i am willing to get another loan to pay them off. they now say i owe $ XXXX. on XX/XX/XXXX XXXX XXXX said i owed $ XXXX, she called a month later on XX/XX/XXXX and said i owed $ XXXX, the most recent notice says $ XXXX, how did my balance jump $ XXXX, it does not make any sense. I am willing to pay the mortgage, they will not allow me to. i have been advised that if i send any money, my home will still be taken. i have saved money and am prepared to send it to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: SLM CORPORATION
State: NJ
Product: Credit reporting 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 no knowledge of the hard inquiry listed on my credit report. I did not authorize this company to run my credit. Sallie Mae Bank on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Hurricane Ian, XXXX XXXX in XX/XX/XXXX, UWM gave us a 3 month forbearance plan to add the mortgage payments to the end of our mortgage. This was extended an additional 3 months to begin XX/XX/XXXX. After the plan was coming to an end in XX/XX/XXXX, UWM sold the mortgage to XXXX XXXX XXXX XXXX  and would no longer be able to help with our repayment plan as promised. We called UWM multiple times talking to XXXX, XXXX XXXX and XXXX. All of these discussions nothing was talked about except adding these 6 payments to the end of the mortgage and that we would be able to talk with UWM after the end. XX/XX/XXXX. 
UWM conveniently sold the mortgage XX/XX/XXXX. As a result of UWM not honoring what their representatives stated, we received a letter from XXXX XXXX XXXX XXXX  dated XX/XX/XXXX, stating that our loan is in default, and they want to foreclose on the mortgage instead of doing what UWM said they would do originally. 
I always made sure that UWM representatives understood that we wanted to add the payments to the end of our mortgage. We were never told anything about a possible foreclosure. 
We live on a very limited income and value our credit scores. I have been on XXXX and my wife is on social security income. This caused us to go out and get a loan to pay off the forbearance plan and get it up to date so we would NOT lose our home. 
Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2019-02-08
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My ex wife and I purchased a car with ford motor credit, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in Oklahoma, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX  XXXX and then TO XXXX XXXX Ks . I have tried to contact this law firm and ford motor credit and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is an issue that I have with 5/3 bank, I have an open checking account with them and did not enrolled in overdraft protection, and for a transaction of {$30.00} that went through my checking, now they are charging me {$170.00} for overdraft protection. 
To enrolle on overdraft protection, I should have saving account or credit card account to protect the overdraft protection, the payment of {$30.00} must be rejected because I don't have money to spend on the account, the bank is doing that to charge the customer unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
They call my job everyday asking for the plant manager. They also leave the number with anyone that answers the phone. This is a everyday occurance even though I tell then when I can pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: MN
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:
I am a victim of ID Theft and have been in contact with Experian for the past couple years regarding my credit report. Before I get into the fraud accounts in my credit report, I would like to state that I placed a security freeze on my report a while ago and Experian let " XXXX XXXX XXXX '' XX/XX/XXXX, hard inquire on my report when I it was supposed to been frozen and I did not lift it or ask it to be lifted. That is an improper sharing of my credit report without my permission an is a major breach on Experian 's part, they need to investigate how this happened, make sure my information was not comprised with this and remove this inquiry on the report. 

There are fraud items on my report that are negatively impacting my ability to get credit or even rent a apartment or house. I did not authorize this accounts and have sent countless letters to the creditors which told me to dispute it with the credit bureaus. Experian stated that the reason there not removing this creditors from my report is because the creditors they say provided that those accounts are associated with name, date of birth and social security number, but what I keep telling Experian and the creditors is that was because of ID Theft, they have my personal information but I did not open those accounts. I sent police report, returned back affidavits and it's still on my report. 

- XXXX XXXX XXXX, XXXXXXXXXXXXXX,XX/XX/XXXX.

- XXXX  XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

- XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX - XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

-XXXX XXXX   XXXX, XXXXXXXXXXXXXXX, XX/XX/XXXX, Note : this is just been added to my report this week and is not mine.

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 2019-10-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold right away and I didn't realize it. I made my 1st payment to XXXX XXXX XXXX and Lakeview lonecare llc bought the loan. They never gave me credit for my 1st payment in XXXX. They've been charging me late fees and finally put a marl against my credit. I've sent them documentation multiple times and have called multiple times without getting this resolved.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX representatives and their fraud department to confirm my dispute. 
1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in 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 explanation
Consumer complaint received 2017-12-28
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key.  Yhis is very frustrating and I want it to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal address information is inaccurate and needs to be removed

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 2023-03-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 we received an email from Navient XXXX that a debt was allegedly owed. On XX/XX/2019 Navient XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 Navient XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 Navient XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 Navient Corporation Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I am a student in XXXX XXXX, from XXXX. I was contacted by friend XXXX XXXX XXXX on XXXX of XX/XX/2022, that he has a potential client in the XXXX who can only send you money via the Cashiers Check and not wire him directly. As i live in the XXXX, i offered to cash the check on his behalf and send him the money. 

A few days later, the client of my friend who went by the name, XXXX XXXX, contacted me saying that i will be receiving the check via mail in a few days. 

When i received the check, it was more than the amount that my friend had decided. The scammer, XXXX XXXX, told me that the extra amount needs to be paid to his supervisor so he can release the drawings for his house which he had been mentioning before. The decided fees with my friend was XXXX, but XXXX additional was sent. 
Then an accounting officer contacted me who said how to deposit the check in the XXXX XXXX, but the XXXX XXXX  didnt allow to deposit the check. 

Then i was sent another check, which was of an even bigger amount, which was XXXX and i was asked to transfer XXXX to different accounts, leaving me with XXXX USD which was supposed to be a part of my friends working fees. 

Just when i transferred the amounts, something clicked with my friend and he said its a scam. But it was too late, the funds were available and the funds were transferred. 

We tried contacting the PNC bank immediately when the funds were transferred, so we can do something about it. PNC bank assured us that the checks were cleared and there was nothing to worry about. 
The checks were deposited in person, and the checks were still not caught by the cashier if they were fake or not. They were still cashed, the funds were made available and then i am being held liable for so much money because banks have a stupid law to make the funds available. 

The securities officer from PNC told that they wouldnt help us in anyway and we are liable to pay the amount to PNC which is in their policy but theres no mentions of scams like this, or even when the accounts are opened. The bank operator called the checks were clear and that there was nothing to worry about. How are banks not ready for this. 

on top of that PNC would deny to help us or even listen to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I want to know what options do we have for cancellation of this debt. On the federal side they have been beyond accommodating to help with the repayment process and with the cancellation process. However, on the private side they are very little options for payment deferrals and no options for debt cancellation. I took out an initial loan of {$3500.00} and made consistent payment on the loan and right now I owe {$8700.00} and Ive been charged over $ XXXX in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Right before Covid hit we submitted all the documentation to refinance and lower our interest rate with Flagstar. We received the approval and all the paperwork from Flagstar and continued to pay our mortgage payment at the new lower rate. Almost one year later we were notified that XXXX XXXX had rejected our refinancing and kicked the refinance back with no explanation. Also during this time we were furloughed for a few months due to covid so started a forbearance plan. As soon as we were back to work we resumed payments but now they were at our original higher mortgage payment. Now they are saying we are delinquent for the months of the forbearance PLUS the difference for the whole year we were paying the lower mortgage amount that they approved. We have spoke to their loss mitigation department to try to arrange a modification for the overdue balance. Originally they stated we were fast tracked for a Disaster modification plan and we submitted all the paperwork which is attached. After almost a year of still making our monthly payments now they say we have to submit another application for loss mitigation. We do not have a lump sum to pay back what they are saying we owe. All we want is a repayment plan or a modification- we have proven that we can successfully pay our monthly amount, but we don't think we should be punished for not being notified for over a year that our refinance was kicked back. The constant calls and letters with no help but threatening of foreclosure even though we are paying our monthly payment are very upsetting and stressful. We just want a resolution to this matter which has been going back and forth for over a year.

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 2021-01-14
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Covington credit is harassments me at working and on my personal phone.. Its already on my credit report and they wont stop call everyday.. I told them i don't have the money to pay do to my wife being off of work doo to covid. my job is getting a call everyday. and i have written messages from a boos that the lady 's are being really vlogger a rude. as my boss cant give any information about me. this needs to stop>>

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Simpson Law Firm, P.A.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Had fees from a credit union account was closed for insufficient funds my account was sold to third party and my wages were garnish five years later.is there not a statute of limitations XXXX XXXX XXXX received judgment or Simpson law firm collecting agency in XXXX Mississippi on XXXX XXXX but my job wasnt located until XX/XX/2020 why was I still garnish after 5 years? Because of Covid I asked if I could make arrangements because of reduced wages but they said no I want my money back and something done about this company. My hours are not much and Im still being garnishment to this day its sad

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, ( ID : XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

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