BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter dated XX/XX/2020, stating Quicken Loans were selling our mortgage to XXXX XXXX XXXX XXXX XXXX, but Quicken would continue to service our mortgage. 
I then received a call from a company named XXXX, which is listed as a debt collection agency, saying for me to call them to set up payments to them for our mortgage. 
Thinking this was a scam, I contacted Quicken and talked to XXXX XXXX who stated that she shows our mortgage was sold to XXXX, and has no record of the letter I read to her. 
Her letter was datedXXXX, which I have NEVER received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am interested in participating in and potentially expanding the CFPBs lawsuit against Navient Servicing. For five years, I participated in a ISRP with Navient. During that period ( from XXXX ) I made all payments on time, and annually certified my income and status as an employee with the State of Maryland. Navient annually confirmed my employment and my income, and collected all payments. After paying for five years, I discovered that Navient was not a qualified service to participate in the PSLF program. When I switched my loans to XXXX, I was struck over the similarity of the application process. There was basically no difference, except for a one page form provided by XXXX that merely sought signatures and consent. I was then easily enrolled in PSLF, and am 24 months in. My concern is that Navient, for years, offered an enrollment process that resembled the application process for the PSLF and in doing so, mislead me, and probably multiple customers/students to enroll and make multiple payments with Navient all while believing that they were paying towards the PSLF when in fact, no such credit was accruing. I believe Navients enrollment process was intentionally misleading, where they were aware of the PSLF and knew of my eligibility through the information they collected, but omitted providing any information to let me know that my payments were not building up PSLF credit. This process is designed to confuse customers. The only reason I figured out what they were doing is that I changed jobs within XXXX XXXX and wanted to confirm that they were aware of my new job and contact information. I learned soon thereafter that I had accrued XXXX credits in the PSLF and, was beginning at month one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Convergent Resources, Inc.
State: NJ
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:
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt on the behalf of XXXX XXXX in the amount of {$180.00} and that they would be willing to settle the account for {$170.00}. I found this letter to be alarming because I received a notice from XXXX stating that the same amount was due. 

This issue stemmed from this summer when I was supposed to have service installed at my new residence. Prior to the scheduled installation at the new residence, I cancelled the appointment with XXXX but XXXX failed to cancel the appointment and prematurely disconnected my service at my old address. As a result, I awoke to no television, internet, or phone service. It took XXXX hours to remedy the issue and as a result, they had to create a new account in order to restore my service. I was told that my prior account would be merged with this new account number for billing and statement purposes which clearly is n't the case. 

Ironically, I receive monthly statements for my active service and I pay my bill monthly. Until XX/XX/XXXX I  never received any notification from XXXX XXXX stating that there was an outstanding bill on the previous account and that failure to submit payment would result in collection actions being taken against me. I knew nothing of this debt. While I have no issue of paying this debt, I need XXXX to remove this from collections since it was an error on their part. I take my credit very seriously and this collection will hurt my credit score and has the potential of staying on my report. 

On XX/XX/XXXX I contacted XXXX and explained the situation to XXXX, id # XXXX who later transferred me to a woman who later transferred me to XXXX who refused to give his id #. I spoke withe supervisor, XXXX XXXX and I advised him of the collection notice and the fact that I was not pleased with XXXX. This is because I have an active account with a triple bundle package that I pay every month. Until Saturday, I never received a notice regarding an outstanding bill on my previous residence. I explained that I was under the impression the bill from my previous residence and my current bill were supposed to be merged. He stated that was not I explained my concern for my credit rating and I was told that this account with Convergent was an in-house collection agency and would not bear adversely on 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 explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 noticed an account and several inquires that i did not authorize reporting on 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 explanation
Consumer complaint received 2021-06-08
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2021 the State of New Jersey had a pending transaction to go into my account Navy Federal checking account to deposit Back funds owed to me. Currently, I am in a COVID19, Financial hardship, which is documented, and facing losing my home. Navy Federal Credit Union deducted the Majority of funds in the amount of {$4400.00} out of my account Without notifying me of any amounts owed for the debt, the charge account was also disputed, and I did not agree to their terms on my account. My checking account was not opened simultaneously with a credit card, and I did not consent to Navy Federal to remove Unemployment Funds from my account during a National Pandemic. On XX/XX/2021, Ive made at least four attempts to speak with a supervisor regarding this matter and was informed by multiple representatives no supervisor was available, but one would call back but call back but I was not provided with a date or time. The representatives also refused to provide their identity in which I repeatedly to know the first and last names of whom I was speaking with so I could document for my records. requested them and was spoken to very rudely without an attempt to find a resolution to the circumstances. The representative, XXXX did not want to hear what I needed to say nor would he provide his last name. Navy Federal Credit Union is Not operating with Fair Practices within the Government guidelines for individuals effected with a hardship due to the Pandemic. I also explained why I needed for the transaction to be reversed, the representative would not allow any other options for the account to be resolved. Navy Federal Practices are Deceptive, and I do not have a clear record of what was owed nor do I have access to the account to review any transaction histories or statements.

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 2018-09-18
Company: EQUIFAX, INC.
State: MO
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:
IMy car a XXXX XXXX XXXX was financed for {$7000.00} by XXXX XXXX XXXX. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe XXXX XXXX   XXXX nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel XXXX XXXX XXXX is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. Mr. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: LA
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:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

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 2020-01-11
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
After advertising and advising me a debt consolidation loan would payoff outstanding amounts they denied me a loan- That same day we purchased a new vehicle- score XXXX XXXX respectfully. They did NOT take into consideration we were paying and based their loan rejection of evidently erroneous information! See attached!

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 2019-05-06
Company: BROKER SOLUTIONS, INC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I signed a 'Borrower 's Authorization emailed to me by a Ms. XXXX XXXX of New American Funding who stated to me that my credit score was high enough to obtain a {$120000.00} mortgage. All was well until Ms. XXXX informed me that she would be handing me over to a Mrs. XXXX XXXX, of the same lender but located in the state where I reside, Alabama. Ms. XXXX informed me that All documentation asked for was uploaded by me and that I would have to inform Mrs. XXXX my realtor 's logistic information and that he/she would have to inform Mrs. XXXX of the home I was interested in and the amount of the home. On XX/XX/2019, Mrs. XXXX and I finally spoke over the phone with me asking if she needed any additional information in order for me to obtain the mortgage, she said she'd received the application from California and Ms. XXXX and she would go over it and get back to me. On XX/XX/2019, Mrs. XXXX sent me an email requesting I have a cosigner for my mortgage, another application for my cosigner to fill out she asked him over the phone, would it be okay to pull his credit, he agreed. When I emailed Mrs. XXXX information about low-income borrowers, ( DTI ) ratios, down payment assistant programs in our State, Mrs. XXXX commenced becoming angry, sent a demeaning email to me about FICO scores, my ( DTI ) ratio is okay but that my cosigner 's middle credit number was too low, and then at the end of her email she said that the company lenders Would Not Be Able To Offer Me A Mortgage. I feel that Mrs. XXXX XXXX XXXX was committing a " racially restrictive covenant on deeds to keep people of XXXX from buying homes ''. I thought the U.S. Supreme Court Banned Housing Discrimination in All States Including Alabama.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I submitted a complaint about XXXX Credit Card and XXXX  XXXX  because ai had paid my card down 2/3 of the balance and today I received an email stating that I had gone over the limit and ai havent used the card ; I called the automated number and my balance is almost paid off, so I paid the entire thing off and will now be cancelling the XXXX card.

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 2020-01-11
Company: EQUIFAX, INC.
State: GA
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:
They never removed my bill i paid off on my credit reports and they kept a bill on my account that turn in that was fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I disputed a account placed on my credit report from XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX claims they were collecting for XXXX XXXX XXXX XXXX. XXXX XXXX originally informed me to dispute with the collection agency and the bureaus bc they did not send anything to collections. 
I dispute as advised and the collection account was removed. I get an alert today informing me that Aargon Agency has placed this same account back on my report. I called and spoke with XXXX who was VERY rude and basically tried to over talk me. This collection agency is in violation of several aspects of the FDCRA. This company is also reaging debts that they clearly do not own and can not verify according to the FDCRA. Aargon agency is reporting that the account was placed with their company on XX/XX/XXXX but this same account was removed and deleted from my report with XXXX XXXX XXXX on XX/XX/XXXX. How could the account be placed with them in XX/XX/XXXX when XXXX XXXX XXXX was still reporting the same account in XX/XX/XXXX then deleted in XX/XX/XXXX after I followed all proper procedures to have it removed??? This collection agency is using illegal tactics to get consumers to pay collections they do not own.

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 2019-05-06
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I saw my statement and it said that I had an interest rate until 2024 and I was confused. So I looked at my disclosures to see what that means and it says something about ARM. 
I was not aware that I had an adjustable rate mortgage. When looking closer the difference between the refinance of my original loan is {$20000.00} when my cash out was only {$2900.00}. 

I'm trying to account for where the money has gone and my closing disclosure has empty cost brackets. Half of the page is not printed. 

I also believe I only received one right to cancel disclosure. 

I feel I have been misled and taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX I called because I was experiencing a financial hardship and I was told I was put onto a 12 month hardship program with automatic payments. In XX/XX/XXXX I received a call saying there was an issue with the program and it never actually set up but they were taking the automatic payments anyway. I fought with them because of the late fees and interest and they weren't fixing it. I went to the XXXX   XXXX  XXXX and they finally got it fixed. I then received a call in XXXX of XXXX saying that they fixed my account and I was put onto the program " correctly '' this time and all was good. On XX/XX/XXXX I received a call saying that I missed XXXX 's payment and when I asked how if you're taking it automatically they told me the payments are never set up. I fought with them and then asked for a supervisor, waited a half hour to finally get one who then told me that I was talking to the wrong department and transferred me. Then I finally get somebody in the " correct '' department who kept repeating the same line over and kept interrupting me while I was trying to talk then mumbled something and hung up on me. When I called back somebody picked up, mumbled something then hung up. I had to call back AGAIN and finally got somebody, who again kept interrupting me and finally got me to their supervisor. It took a full hour to have this resolved and a lot of anger when this should have been done correctly in XXXX then again in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Delinquencies have been reported to my credit report and no statement has been sent. I have not received any correspondence with due date or past due notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: MA
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: Didn't receive services that were advertised

Complaint:
A settlement check was mailed to my former address in XXXX by the company handling the Equifax XXXX in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX XXXX less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a XXXX dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 3 months and I still haven't received any results in the mail and these unverified account still show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
Equifax is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by Equifax to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase.com has locked my account. I've been emailing and calling for months with no resolution. They assigned a case number as XXXX and have not done anything. I very much need this issue resolved and access to my funds.

Company response to consumer: Closed with explanation