BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-06
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
More than two months a go I applied for refinancing mortgage loan with Amerisave Mortgage Corporation. They collected their deposit and fess and I provided all documents they asked for, appraisal was done and all steps followed. Now they are not acting to close the loan as I am facing critical deadlines which will hurt me if deadlines are not met. They seem deceptive and use bait-and-switch mortgage-lending scheme. I have tried to contact them many times by phone, email but I get no response. Now I am stuck and don't know what to do since I already committed to them and paid them fees and all documents. It seems they have a bait and switch tactics and get you hooked but then put you in a tight situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage and escrow account with Freedom Mortgage ( https : //www.freedommortgage.com/contact ) for my condo. I paid all my monthly bills on time but they never paid the 2021 second half property tax for my property. I called them immediately after I found the issue and learned that they used the money in my escrow account and paid the tax of a *wrong* property that is not owned by us. 

I filed several notice of errors with them, they replied my mails with unrelated information but they never corrected the error. I had to pay for my property tax as well as the penalties and interests myself. 

Now they transferred my mortgage to another company and they refuse to correct their mistake by saying " the service has been transferred to another company ''.

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 2022-02-15
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX I refinanced some of my student loans that I had with Sallie Mae. I only refinanced the loans that had my Mother as my cosigner. We got the payoff emails, confirmation that loans were paid off. I found out in XXXX of XXXX that one of my other loans was paid off instead of the correct one. I called and was assured the error would be fixed and the agent promised me the loan was now paid off. The following month I was charged {$360.00} for the loan that was supposed to paid off. The " paid off '' loan had a balance of around {$800.00}. I tried communicating with a few different agents about the balance difference and each one told me I refinanced the wrong amount, my refinancing bank paid the wrong amount, etc. After many agents insisting it was my fault a manager assured me the remaining {$400.00} balance would be waived. Nothing was said about refunding me the {$360.00} that I should not have paid, etc. I still see the outstanding balance on my account and I can barely afford my current payments, so I can not afford to be in delinquent status as well. I have had an extremely negative experience with Sallie Mae since I first borrowed money for college in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15
Company: Caliber Home Loans, Inc.
State: MD
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:
Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request through AidVantage to refund student loan payments made during the COVID pandemic in XXXX of XXXX. 

AidVantage let me know that the process could take XXXX weeks to process the refund and receive the money for amounts paid. 

I have followed up with the company multiple times. In XX/XX/XXXX I was told this was still in process, well beyond the XXXX week timeframe. 

The last communication I had was in XX/XX/XXXX where I was again told this was in process. 

I know of many others who submitted a refund request and received their refund. I can understand that it may be beyond 10 weeks, but coming up on nearly a year since my request was first submitted is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: LEXISNEXIS
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an account without my written instructions.15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.

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 2022-05-25
Company: EQUIFAX, INC.
State: AZ
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:
I have 2 inquiries that I did not authorize and have 3 credit card accounts that have in- accurate dates of last acitvity and a inaccurate charge off status and 2 previous addresses I never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: DC
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 XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I filed a dispute for the inaccuracy of this account and submitted it to XXXX and the company itself, but no one has responded. On XX/XX/XXXX, I filed a Validation of Debt to XXXX but still no response coming from them and refused to remove the inaccuracy from my credit report. The account was last updated in the sum of {$8800.00} on XX/XX/XXXX, which is incorrect.

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 2023-09-06
Company: MOHELA
State: GA
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:
I am in the Public Service Loan Forgiveness Program. I consolidated my loans to FedLoans per the guidance from the Public Service Loan Forgiveness program back in XXXX. This was prior to a payment tracker since the program was still in its infancy. All the years prior to consolidation are missing. I filed a complaint here and they responded that they didn't count because I was in deferment which is 100 % not true and I can prove it. In XXXX, the program moved the annual income based repayment application to the FSA website. In XXXX, I re-certified my annual IBR repayment plan on the FSA website. How could I re-certify my annual income based repayment plan if I was in forebearance?? Also, I filed a freedom of information act request to get my call records and it shows that I called, requested that I was not on forebearance, filled out the form to waive it and I entered repayment ( and verified I was on repayment in the call logs as well ). It is incredibly frustrating I have to go through all these hoops filing freedom of information act requests and pulling my entire income based repayment history just to prove what happened. I want those years added on my history that I have proven over and over that were 1 ) in repayment 2 ) in an eligible repayment plan and 3 ) are certified by my employer already. I enter repayment next month and if those months are added as they should be, I would be done with my 120 months ( I have XXXX and XXXX now ). Please make them do the right thing here. I attached proof I requested, entered and recertified my IBR eligible plan in XXXX and my calls logs going back prior to that waving forbearance and entering IBR. Maybe MOHELA is confused looking at the history because I was at $ XXXX  monthly payment during that time period but it was not forbearance and my attachments prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am going through financial hardship and was trying to figure out payments. 

Barclays had called me several times and I was finally able to accept a low interest payment plan. 

I spoke to a representative on XX/XX/XXXX for over XXXX minutes. I accepted a low interest payment option and all of the terms over the phone. 5.99 % interest with a minimum payment of {$150.00} a month. I scheduled payments out until XXXX of 2023 for auto draft and gave my banking information. 

They have called and emailed me now stating my account will be charged off and I didnt not schedule payments. They have also stated my program is no longer available.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX, XXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for XXXX year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court XXXX ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. 

I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: FL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XX/XX/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 2023-06-30
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have called Global lending services regarding a car payment that was authorized by then and taken from my bank account yet Global Lending says its not there and yet its showing in my bank account as submitted and paid by debit card. They have put my car in an acceleration process threatening to repo my car when I in fact made the payment on XXXX as requested. I feel that Global lending tried to block the payment but it in fact went through. Now they are holding the release of my funds In pending transaction.. So that I will default and they can repo my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I borrowed {$9400.00} from Sallie Mae in XX/XX/XXXX to finish my education. From the loan disbursement date to the start of repayment, XX/XX/XXXX, I was charged capitalized interest totalling {$1500.00}. Those charges are incorrect as I was in my grace period before payments began. 
Capitalized interest is only charged when the interest was not being paid on the loan as you know. Moving forward in my account history, you can see I have been charged this interest multiple times in a total of {$9700.00}. Those charges are well over the amount I had borrowed. 
In total, my account was charged {$11000.00} for capitalized interest. The interest was paid monthly so these charges are inaccurate and I am requesting Navient correct their errors and have them removed immediately. 
Over a year ago, I contacted customer support over this matter and the representative reported there was nothing I could do about it except pay the loan off. Indeed, this information is incorrect. According to the XXXX XXXX XXXX XXXX, to comply with consumer protection laws of the Fair Credit Reporting Act I must have clear and accurate documentation regarding these charges. 
This includes the loan being modified in a favorable position to the borrower, delaying loss recognition resulting in inaccurate loan valuations. Neither of these rulings have applied to my case. It is simply illegal to make these false charges onto my loan. 
A loan I have been paying on for over a decade in the original amount of {$9400.00} with an interest rate of 7 % is well paid off and settled. 
The next inaccuracy I would like to bring to your attention is the late charges I was randomly charged. My loan is settled and needs to be closed out as I have paid it off. On XX/XX/XXXX, a disbursement was made of {$24000.00} without my consent. Then on XX/XX/XXXX I was charged a resale of {$10000.00} which is also not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ), Its been over 45 days and Equifax XXXX respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Every month around the the XXXX I received {$2200.00} for my social security XXXX payment to my checking account at JPMorgan Chase my account number is XXXX for the last several months Chase Bank is still my government entitlement and refuses to return the money to me he's a government benefits I believe this is a serious crime they belong to me not to Chase and Chase refuses to return them to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a letter on XX/XX/XXXX that is deceptive stating that my mortgage rate is expiring - actual quote " Because the rate on your loan will expire ''. My mortgage is an adjustable rate 30 year term originated in XXXX so my rate is not expiring but will reset in XXXX in accordance with my mortgage terms. They also frequently call and email me about refinancing which is harassment because I do not want to refinance at this time.

Company response to consumer: Closed with explanation