BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Today, XX/XX/2017, I received XXXX emails in a row informing me that my account had been put into an " administrative Forbearance '' based on my request that I never made. There was no information available in my account online to show what this was for. Navient has taken over from my previous lender XXXX just a few months ago, at the end of XX/XX/XXXX of this year. In the process of the switch we followed ALL instructions from XXXX and Navient and stayed 100 % on every payment. My phone call to Navient told me I did not have a choice on the forbearance since my account was DELINQUENT. I have not missed a single payment and all Navient could tell me was that it was delinquent but not how or why. She said " it must have been with XXXX ''. That is 100 % incorrect. I requested an immediate cancellation of this " administrative forbearance '' but have no documentation to prove it. 

I also applied for educational loan forgiveness through DOE and they have had 3 months to respond. In the phone call this morning I was informed they declined the forgiveness for the 3rd time due to something my employer was asked to fill out. I now have to fill out all of the paperwork and submit to my employer a 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am an attorney acting on the behalf of a client whose credit cards were cancelled without being provided a reason or reasons in writing by Capital One. A letter was sent by me to Capital One at XXXX XXXX   XXXX XXXX, XXXX XXXX Virginia, XXXX on XXXX20 explaining their failure to provide such information. As of the date of this complaint, I have yet to receive a reply. You have my e-mail address : XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, ESCROW ANALYSIS showed over {$600.00} shortage. This was right after mortgage was sent to different branch of Homepoint financial was closed due to illegal activities. Requested what happened to escrow? Received no reply. Property did NOT raise, nor insurance. County property taxes same as year prior, yet Escrow analysis in XX/XX/XXXX, shows another over {$600.00} deficit. All payments made before due date with additional principle.XXXX XXXX, sent money payemt with additional principle and escrow deficit. Homepoint applied payment & the rest to principle. Contacted Homepoint, informed of error, requested the escrow deficit be placed onto the escrow, the monthly payment should not change. XX/XX/XXXX, monthly payment went up. The additional principle & escrow deficit was put into unapplied funds. XX/XX/XXXX, the unapplied funds was dumped into the escrow, the monthly payment stayed at the increased rate applied in XX/XX/XXXX. XX/XX/XXXX, contacted Homepoint, identified the 3 errors in processing : 1. Escrow deficit not applied correctly, 2. 2nd time- additional principle & escrow deficit withdrawn from principle and placed into unapplied funds. 3. Unapplied funds dumped into escrow, but monthly payment remained raised. Homepoint stated they could not move from escrow to principle due to over 30 days. My solution was to return the money, my money, that was NOT processed correctly. The money was not part of any payment due, since Homepoint is more interested in siphoning property owners escrow accounts. There is a problem, since the escrow is NOT the mortgage company 's money, however, my escrow seems to lose over {$600.00} in a year. At this time, I an awaiting Homepoint to make a decision as to whether or not they are going to return my money. This takes 24 hours, starting at noon on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  is reporting accounts that don't belong to me on my XXXX  credit report. Account # XXXX ELEVATE RECO is reporting an account to my XXXX  credit report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: AES/PHEAA
State: VA
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:
XXXX XXXX  wrongfully applied the annually-recalculated, monthly Revised Pay As You Earn ( REPAYE ) payment for my student loan. As I am in repayment and on the REPAYE payment plan, I should make 12 monthly payments before my payment is recalculated. XXXX applied the newly recalculated payment amount for this year one month early. Instead of 12 monthly payments at the old payment amount, I made only 11. When I called XXXX and brought this to their attention, XXXX said they would look into it. That was over two months ago and I still haven't heard from them. By wrongfully applying recalculated amounts early, XXXX is in effect overcharging student loan holders. Correctly handling student loan accounts should be XXXX 's foremost priority. It appears to me XXXX is failing in handling this responsibility. Please look into this for me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/XXXX, the lease was ending on my XXXX XXXX XXXX XXXX After looking at the options with XXXX XXXX in XXXX XXXX, CA, I decided to purchase a XXXX XXXX XXXX. 

XXXX XXXX purchased my lease ( i.e. bought the car ) and sold me a new car. There was no mention of any other fees and I believe I was clear when I agreed to buy the car that this was the price and there were no other fees. 

About a month later in XX/XX/XXXX I got a bill in the mail for {$190.00} from XXXX. The bill did no indicate what the amount was for. Upon investigation, there was a scrape on the car that XXXX decided was a {$190.00} cost to myself. There was no math given and I only found out the details of the bill upon calling to investigate. More importantly, I closed the deal on the lot and then get this bill a month later saying that the deal on the lot was not the deal, there's actually this other bill that was never discussed. 

Getting a bill after turning over my lease and purchasing a new car is shady and unethical. Yes there is a contract that says I am responsible for excessive wear and tear, but the point is that XXXX XXXX purchased my car on the lot that day and then slipped this bill to me in retrospect and it was never discussed. I was never told there would be additional costs to turning over this lease on the lot. 

Additonally - this XXXX XXXX has a key, not a fob, that has to physically be put into the car and can be locked in the car, which I did not know until I got the car home. I didn't even think that this was an option on a XXXX vehicle that I had to ask about. I certainly was not made aware of it by the salesman who gets paid per deal that he closes and is only concerned with closing the deal, no matter what. 

I have paid this {$190.00} so that my credit will not be destroyed, but it is a shady, unethical poor business practice and I will never buy another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: NY
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:
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: OLIPHANT FINANCIAL, LLC
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
had a pay agreement to repay the loan. last payment made was in XX/XX/XXXX however, I have been unemployed since XX/XX/XXXX. I have been paying from my savings and have now depleted all sources of income. I have contacted XXXX XXXX on multiple occasions to inform them of my hardship status. after 90 days of non payment, XXXX XXXX has forwarded the debt to 3rd party collection agency OLIPHANT FINANCIAL LLC. I received written notice from OLIPHANT FINANCIAL LLC dated XX/XX/XXXX requesting a response to the collection debt. I contacted OLIPHANT FINANCIAL on Monday XX/XX/XXXX at XXXX and spoke with an EXTREMELY rude agent by the name of XXXX at XXXX. I informed XXXX of my current situation and stated I was unable to make any payments. XXXX was very rude and did not let me speak without interrupting. further more XXXX stated, her records showed I have a XXXX Credit card in which I could use to make payments. This sensitive information was disclosed to me without my consent to pull my credit report. In addition I did not authorize OPLIPHANT FINANCIAL LLC nor anyone representing OLIPANT FINANCIAL LLC to pull my credit. I question why they disclosed this information with out my consent and how would they know about this without unlawfully pulling my credit file?? I find the practices implanted by OLIPHANT FINANCIAL LLC in attempts to collect debt to be very unlawful. 
for the record this complaint is for OLIPHANT FINANCIAL LLC ( rep XXXX AT XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have contacted the bank several, several times and spoke in person about my issue. {$9000.00} was deducted from my line of credit by fraud and I have a copy I received from the bank with the account number it went into, that IS NOT my account number, and the routing number IS NOT my account. The bank will not help me solve this fraud or investigate this issue and are now charging me for this transaction that I did not make? 
I am now paying double the amount I owe. Where do I go from here for someone to investigate this situation? Thanks.

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 2021-09-14
Company: Experian Information Solutions Inc.
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:
Late Payments Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$8700.00} Dates of Late : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Balance : {$1600.00} Dates of Late : XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how I was late in those months. I know I have made those payments to you. I might have gotten my statements late during those months.. But I have always made my payments on time.

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 2018-05-08
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I applied for a used automobile loan with my bank, the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, New York. During this process, the bank noted my credit rating had dropped from the 800s to the 700s due to one past due account. I immediately contacted all 3 credit  bureaus. On the first site, I quickly located the problem, which was a credit card listed as XXXX ( translated as XXXX XXXX, XXXX XXXX XXXX ). Since I did not open this account, I filed disputes with the 3 bureaus. XXXX 's on-line process was completed in minutes, as well as XXXX. However, Equifax proved to be impossible. After two attempts at filing an on-line dispute, I was unable to tell if my request had been processed. The other bureaus gave me a file or confirmation #. This one did not. On XX/XX/XXXX, attempts to reach Equifax by phone ( XXXX ) were met with continuous instructions to use the website, with no option to reach a person. After a while, I finally located a different number ( XXXX ), and reached a person. This representative was difficult ( and at times impossible ) to understand, asked most questions twice after they had been answered and was generally robotic and unhelpful. I had to twice ask her to spell words that she could not pronounce. After 10 minutes of answering security questions over and over again, she advised me my answers were wrong ( they weren't ) and I will need to fax my license, a copy of my SS card and a letter to them. 

My credit rating has remained above 800 for decades. This fraudulent credit card was opened in my name and I want it corrected. Two of the three companies were able to do their jobs. I am filing this complaint against Equifax because I am very concerned about the level of professionalism and their inability to perform a basic function of their mission. My credit rating still remains very good, and this did not prevent me from getting a loan, but it did raise the interest rate I was offered for the loan. This obviously needs to be rectified and Equifax seems to be unable to help me. Thank you for your anticipated help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. They promised not to send this bill which is fake. I got the letter front the collection agency for a debt which does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a FHA loan through CHFA and because of Covid we went into forbearance for 6 months and then we were told we could file for a loan modification loan and through out this process we spoke to so many representatives that provided false information that prolonged the process for a loan modification and then were given a contact person XXXX XXXX XXXX who told me that I did not fill have to fill out the application because I already had an HFA loan and that he would submit the information for my loan modification and this was a lie, instead he submitted for a partial claim that increase our mortgage payment. I contacted him and told him this was not what I wanted so then he sent me the loan modification application packet and I filled it out and submitted it to the Loss Mitigation office and XXXX XXXX sent me an email confirming all was good and that he would be submitting it on XX/XX/2021 and we should have had the loan modification on XX/XX/2021, however when I contacted this office they told me that he had just sent the documents on XX/XX/2021 and as of today XX/XX/2021 we told that Mr. XXXX sent or received it on XX/XX/2021 so this will prolong it for another month we CAN NOT hold on any longer. This person is well aware that we need this taken care of ASAP and he has done everything in his power to delay the process. We are surviving on only my income that does not cover our mortgage and he still refuses to complete my loan modification and he will not return my calls or emails. He has delayed us for 6 months and we have called and asked over and over again to speak to his superior and no one will call us. We having been asking for a loan modification a 1 complete year and have not heard from on supervisor. I have sent complaints through their website and still no one will contact us. I have filed complaints over and over with CHFA and no one will return my call, their representatives continue to transfer me and hang up on me because I ask to speak with a supervisor or manager. I believe that if we do not hear from someone we will lose our home. I also believe that XXXX XXXX is waiting for interest rates to go up. PLEASE, PLEASES YOUR HELP IS GREATLY APPRECIATED. I can be reached at XXXX M-F at XXXX or XXXX XXXX  or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over 15 hard inquiries on my report. I have spoken to XXXX, Equifax and XXXX and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to XXXX, XXXX and Transunion and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.

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 2017-11-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My issue involves two incidents with my Chase AARP XXXX card. I have that I had been charged twice {$100.00} by XXXX XXXX XXXX on XX/XX/XXXX. When I contacted Chase in an attempt to resolve the issue I was told the conversation would be recorded. My response was that if Chase was recording the conversation I would be recording it too. Chase advise me that I was " not permitted to record and if I chose to they could not assist me ''. My response was that I did not want the conversation recorded if I could not record it too. After my requesting to speak with a supervisor I was told the conversation would not be recorded, my XXXX XXXX system indicated that Chase was recording. I spoke with the representative and ended up having to resolve the issue directly with XXXX XXXX XXXX. 

The second issue was on XX/XX/XXXX. I had stayed at the XXXX XXXX XXXX in XXXX and accidentally left an item. XXXX through XXXX found my item and agreed to ship it to me. XXXX had me go on line and complete the order, the time was XXXX XXXX Sun. XX/XX/XXXX. The charge was {$21.00}. Upon using my AARP Chase XXXX card the security code was rejected 3 times. I contacted XXXX and was advised to use another credit card. My other card went through immediately. I phoned Chase upon getting an email message at XXXX XXXX that a fraudulent charge may have been placed on my card. Again there was the issue of Chase insisting on recording the conversation and denying me permission to do the same. Chase told me the XXXX {$21.00} charge was pending on my account when I had a receipt that the charge was placed on one of my other credit cards. Chase sent an email at XXXX XXXX that my card had been cancelled and a new card would be issue upon my contacting them. This morning Monday, XX/XX/XXXX at XXXX XXXX I contacted Chase again had the recording conversation issue and was told the email was an error. I requested an email confirmation that my card was in good standing and have not received it. 

My main focus is that if Chase is recording the conversation I should have the right to do the same.

Company response to consumer: Closed with explanation