BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
Company: Phelan Hallinan Diamond & Jones, PC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The Department of Justice instructed you on XX/XX/XXXXabout the criminal and looting activity of this filthy lying firm to investigate their criminal activity since is a custom of those lair to defraud people lie to their own clients def-rod them and find guilty at the superior court of PA and this was done together with the criminals from XXXX the most corrupted looter organizer on this planet.I would like to inform CFPB that I establish a Non-Profit organization that will have enough money ( I have a conformation of {>= $1,000,000} NOW ). SEC, Commerce Dept. and other Banking Departments will provide help from their Alumni legal system. I also have a Promissory note for a lot more money that will be deposit once we establish a complete system that will give victims like me a chance not only to bring to court only the companies that foreclosure illegal against their property but also criminals that did their best to foreclosure in order to collect a minim bonus for defrauding people. I want to make sure that each victim have a chance now to sue those criminal organization for fraudulent foreclosures as was the case with a  XXXX year old lady for a balance of only {$0.00} and a XXXX  person XXXX year old for a balance of {$0.00}. If this is not the worst criminal activity than nothing is. I will also organize a special account so people that lose their property can defend themselves in court without any fear, Why CFPB penalize only XXXX XXXX for {$1.00} bill and did not close the doors permanently to such a filthy Law Firms?? To learn that they can defraud your property only because your name is on the Deed this to me is more criminal than any terrorist organization activity in this planet. Such Law Firm is the biggest danger today in America and I will do my best to expose them and close their doors permanently. I have a simple question for those organization that confused fraudulent mortgages. If a family sale their property and only one sign the contract is that contract valid or not? It is clear that the incompetents from this Law Firms will declare that selling contract is a valid contract because they have a marriage certificate!!!!! I will never stop until I make complete light to the criminal activity that took place inside my property for which I do not have financial obligation. I also want to mention that a Judge from XXXX  named XXXX XXXX XXXX. was sentenced to 28 years in prison and I expect that in XXXX to see the same soon. I mention in my leeter dated XX/XX/2016 about those activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The interest rate on my Nelnet-serviced loan recently increased by nearly 3/4 of a point. I received no notification of this change, and was directed to the servicer 's current rates page ( https : //www.nelnet.com/cXXXX  ). My loan rate on this page reflected a lower rate. 

I was then told to look into the rate with Congress as they set the rate. A website I was given indicated that changes in my rate should be discussed with the loan servicer due to the age of the loan ( https : //studentaid.ed.gov/sXXXX ). 

I was told that a mass email about the rate change was not sent to my account or email address, and that there was no way to have it re-sent. 

Several requests for third-party confirmation of the rate were denied. 

At every turn, Nelnet has engaged in practices designed to maximize interest payments, so my skepticism with this unproveable rate should not be cast aside. 

Nelnet should be required to notify customers when their rates are nearing a change, and provide third-party proof that the rates being charged are accurate as per decisions by Congress to increase them. Further, they should be required to maintain accurate information within their website with regard to the rates they are charging on billions of dollars worth of loans. 

These practices would not be acceptable in any industry outside of student loans, and should not be acceptable in these instances either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Resurgent Capital Services L.P.
State: IN
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 have requested validation of debt in XX/XX/2020 on two accounts with LVNV Funding and no response was given, yet when I started an investigation with all 3 credit bureaus, the results came back as verified and updated with no proof. I have went through at least three rounds of disputes and the collection company still claims all info is accurate yet information like open date and last activity are different across each bureau. There is also a past due amount reported on both accounts which is an FCRA violation. These accounts have also been removed/closed from my credit report on all bureaus but have been placed back or reopened on XXXX  and XXXX  which is also illegal. I demand these inaccurate accounts to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
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 am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX, XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I dated Mr. XXXX for approx. 1 year before I called it quits because of the XXXX. He was so XXXX. I gave him permission to use my XXXX XXXX XXXX XXXX for gas only. He's the only one with access to my card number and someone has drained my XXXXXXXX XXXX account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that Mr. XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX XXXX I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my EQUIFAX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my sucky credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and Mr. XXXX to defraud me and thieve my identity. Please contact me anytime for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ford Motor Credit tells you that your payment is due on the XXXX of the month and you have 15 days before it is considered late. So, the XXXX of month is 15 days later. However, when you call to pay them, they wait 2 days to process your payment. Payment must be made Monday - Friday before XXXXXXXX XXXX. and payments made on the XXXX, XXXX and XXXX are not posted until 2 days later. Then they charge you late fees even though they received the payment before the XXXX of the month. And they report you to credit bureau for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX - I have multiple accounts with Iowa Student Loan. One is active, payments on time, one is involved in a lawsuit brought against them by myself and the others have been closed/paid in full or charged off. I called today, XXXX and was transferred to XXXX. I have ONE account that it going through litigation, I was NOT calling about this account. I was calling for information on the OTHER accounts being serviced by ISL. XXXX refused me any information on these accounts. XXXX refused to tell me any information about a tax form I ask for from 2018 ( well before litigation ) and XXXX is refusing me information about all my other accounts in which they service. XXXX disconnected the call refusing me information about my accounts, refusing me access to copies of my recorded called and then hung up the call. 

Account information for current accounts not in litigation and past tax information on my account, such as tax forms and questions should not be withheld from me. 

I have attached a copy of all the accounts held at ISL, only the PLP01 ( XXXX ) is in litigation - all others are active or closed. I should not be withheld information on those accounts.

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 2021-02-09
Company: SUCCESS MORTGAGE PARTNERS, INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife is shopping for home loan pre-approval and provided information to XXXX XXXX NMLS ID # XXXX ( XXXX ) XXXX XXXX and provided my S.S. Number which she copied incorrectly. XXXX took it upon herself to pull my credit via other means as she did t have to correct XXXX number. Also, when I had a conversation with XXXX XXXX I specifically asked if the credit pul would be a hard inquiry, which she informed me it wouldnt. I called to speak with her and she became irate yelled at me and then hung up on me. I would like the situation rectified as my XXXX XXXX has decreased because if this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
Regions bank XXXX XXXX : company reported 30 day late payment & debt & colection on my credit report dropping my score 38 points. 
The car was total in a no fault accident XX/XX/XXXX, my insurance XXXX paid the on the claim XX/XX/XXXX, which left a balance XXXX after a gap payment ( XX/XX/XXXX ). My payments were XXXX {$390.00}, no regular payment in XXXX, XXXX {$340.00} & XX/XX/XXXX - {$1700.00} ( settlement offer accepted account closed ). Regular payments due date XXXX of each month. The account was never 30 days past due. I submitted a request with Region bank & XXXX but this negative reporting is still on my credit report. Also the negative report was made after the settlement and payment was completed with Regions Bank which is a knowingly dishonest reporting to the credit bureau.

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 2021-11-29
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX Balance $ XXXX Opened : XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Two of my 'references ' were contacted by XXXX of the XXXX , NC office of Mariner Finance on XX/XX/2018 about a debt I have with Mariner Finance. I called XXXX after learning she had contacted these references. XXXX said she did this because she hadn't been able to reach me. When I responded that I had spoken to two people in her office just last week and had agreed to make a payment by the end of XXXX, XXXX said that the notes on her computer said this, but, she had to contact my references because she didn't have an exact date when my payment would be made, and couldn't reach me. I told her that I did not need to contact her prior to the end of the month because I had already agreed to make a payment by the end of XXXX. I told her to not contact any of my references about my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On 2 different occassions in XX/XX/XXXX and XX/XX/XXXX we were told by Citimortgage that we could defer our payments, but we werent told that the interest would add up and come due immediately at the end of the deferment period. This added to our loan and violated deceptive lending laws. Following the deferment period we were pushed into a partial claim agreement in XX/XX/XXXX. We were already struggling with our mortgage payments and trying to save our home and were given the runaround. We were kept in the dark about our options and burdened with excessive paperwork. In the end we were slapped with sub ordinate notes requiring us to pay {$32000.00} which was 3 to 4 times the amount we were behind on payments. 

CitiMortgage misled me and did not notify me following the settlement with the Consumer Financial Protection Bureau 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 2021-02-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 information incorrect

Complaint:
Account that was closed is showing open and is also showing that I owe money and I missed payments. My credit score dropped severely in addition to my the credit bureaus are showing that I have a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX - called in today and was transferred to XXXX ... I wanted to inquire about COVID relief options for a loan that I am currently paying on, as they have continued to debit money from my account even during the " pause '' on payments. I called today to see if I had any options, instead XXXX refused to provide me any information about my account and I was denied information about potential relief and repayment options for the Parent Plus Loan that is current and being serviced by ISL.

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 2021-02-09
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I called and reported that the debt was included in a bankruptcy and was not collectible by this collection agency. I volunteerly moved out of the apartment before eviction due to non payment of rent when I filed for bankruptcy. I was in the hospital for an extended period of time and not collecting a paycheck which is why we moved. I sent the bk paperwork and the notice of departure due to inability to pay rent and they refuse to remove the collection. As part of the bankruptcy I moved out and the apartment was closing my file without just the deposit fee and they were not going to charge lawyer fees they just closed my account and balances it to zero. So there should not be a collection at all from the company or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

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 2021-02-09
Company: EQUIFAX, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a XXXX at a non profit company. I have been receiving calls from Wakefield & Associates ( Phone Number XXXX ) for 3 or more weeks now. When I answer the phone there is no one on the other end. I have called back the number and they say they are looking for a person by the name of XXXX XXXX. I told them we do not have an employee by that name and to stop calling. They said that they would take care of it, but the calls continued. I called them back and told them that by doing this that it was harrassment and that I wanted the calls stopped, again they said they would take care of it. Here we are a week later and the calls continue. I called them today and spoke with XXXX XXXX and I told him that I was going to submit a complaint to the CFPB and he said he would have it stopped. I hope so.

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 2018-05-04
Company: Navient Solutions, LLC.
State: FL
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:
Sallie Mae student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation