BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: NC
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 contacted Navient in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In early XXXX of XXXX, I started receiving letters from attorneys and other companies stating that a notice of default has been filed on my home by Specialized Loan Servicing ( SLS ) therefore on XX/XX/XXXX, I called SLS and spoke with a representative named XXXX. XXXX advised me to send in a Request for Modification Assitance application ( RMA ), and that once received I will be assigned to a single point of contact to work with me throughout the process. 

On XX/XX/XXXX, I called SLS to inquire why my application was still in the status of Document Intake and was informed that they would only accept a court order for child support, although their RMA application does not state that a court order is the ONLY acceptable documentation. Consequently, I sent a letter via email requesting SLS to process my RMA application with my other income. On XX/XX/XXXX, I called to follow-up on the status of my application and was informed that my application had been withdrawn and I would need to start the process over. The representative was unable to tell me how, when, or why it was removed. I asked to speak with a supervisor, but as usual, no supervisor was available. 

On XX/XX/XXXX, at approximately XXXX XXXX I called SLS and spoke with XXXX who again stated that the application was withdrawn. I asked for a supervisor and instead was transferred to XXXX in the Loss Mitigation department ( XXXX XXXX ). I explained the situation to XXXX, and he apologized that I was informed. He stated that SLS had all of the necessary documentation. Thus, he would reprocess and send my application to the underwriting team for review, and they would assign me to a single point of contact. 

As of today XX/XX/XXXX, my online RMA status still says document intake, SLS has not been in contact with me, and I have yet to receive a notice of default from SLS. 

Documentation timeline submittal via their specified email XXXX is as follows : XX/XX/XXXX : RMA Application,  Paystubs, and XXXX Tax Return. 
XX/XX/XXXX : Hardship Letter, Bank Statements, and KYHCA Approval Letter XX/XX/XXXX : Child Support Documentation XX/XX/XXXX : Child Support denial letter Please Note : Each time that I have called SLS I have been advised that my loan is at 2 % which is the lowest rate available. However, that is incorrect as my loan is currently at 4.375 %.

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 2017-04-18
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have made payments on time since the origination of our loan. However, every month we receive a late notice and they continue to pile up since  XXXX / XXXX / XXXX . We have documented proof of on time payments from our account to Ditech. When we contact  Ditech  to remediate, they give us a different reason for the issue every time and never fix it. Currently, we " have ''  5 late  payments, and they have marked are credit reports and are attempting to " foreclose ''. We contacted them early on  XXXX / XXXX / XXXX  regarding these errors and they said our account number was causing issues in receiving payment, it is now  XXXX / XXXX / XXXX  and they have not updated our account and have since issued to our credit report that we are in foreclosure. This is fraudulent and illegal, and we have contacted them every month regarding these issues, and still no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: QC HOLDINGS INC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
COMPLAINT XXXX XXXX has violated several rules of The Fair Debt Collection Practices Act : They called me numerous times daily, leaving messages and then to immediately turn around and call 2 of my family members leaving personal information with them including who they were. I spoke to them around XX/XX/XXXX asking them not to call anyone but me after that they called my sister ( s ) leaving a message as to whom they were.

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 2020-04-22
Company: SinglePoint GI
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I keep getting calls from this number ( XXXX ) XXXX, saying they are calling from general revenue corporation to collect a debt. 

I know I was behind on payments, but I had just received a letter from the school asking if I wanted to apply for a deferment, due to my income. I signed the letter and sent it back. About two weeks ago, I was still receiving that I had an amount due, so I made a payment of {$170.00}, so I can catch up on  the {$1400.00} I owed. I then later on kept getting calls from this number, which I answered and they kept asking for my birthday to verify identity, but I felt uncomfortable giving them that information since I had no information about them, or made payments through them before. Right after I hung up, my mom calls me saying that a company is calling my uncle asking for myself, and my husband. The number that called my uncle was ( XXXX ) XXXX. I found this very rude, since I do not want any of my family members receiving calls about my business! I don't even have my uncles numbers, so Im wondering how did they have that information? Also my uncle said they mentioned my husband in the phone call, and I have never given any information about my husband in any paperwork for my debt nor my uncles. I went online to check on XXXX since that is where I make my payments, and it says I have no payments due as they are extended until XXXX of 2020, BUT this company continues to call me while I am at work. Yesterday, XX/XX/2020 they continued to call my uncle asking for my information, as well as disclosing I have a debt with my student loans. That is information I don't share with anyone, not even my parents so I don't think they should be sharing it with people who I have very little connection too. 

I am tired of receiving these call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have several loans with Navient. All but one are defaulted. The defaulted ones have been sent to a collection agency, who bought them from Navient. I am working with the collection agency, XXXX XXXX, on those loans. The one loan that I have open with Navient, I send a check for every Saturday. The loan number for the open loan is in the check memo. Navient continually applies this payment to the loans that are closed that they have sold to the collection agency. Every three months this ruins my credit report by showing missed payments on the open loan. This is happening even though I was {$1300.00} paid ahead on the open loan when I started making the weekly payments. I am pretty sure it is illegal to apply payments to closed accounts that you no longer own. These payments that are being applied to the closed loans are also not being reported to the collection agency and lowering the balances on their end, so in reality, it is just theft on Navients part. This has been ruining my credit for over a year now and every three months I have to call them and fight with them to correct it. However, the second they receive another payment, they continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, And XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT

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 2023-06-09
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account from a company I've never heard of or done business with appeared on my XXXX and XXXX credit reports. The amount owed for this false account is {$1300.00} and was added on my accounts on XX/XX/2023. The company has yet to take any action so I'm taking action myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My complaint is with Fifth Third Bank ; its failure to send monthly/quarterly checking account statements by mail/email, and the delay in receiving a refund for monthly service charges which accrued to a total of {$400.00}. 

This issue involves my deceased husband 's Fifth Third Bank Essential checking account and debit card. He passed away on XX/XX/XXXX. I notified the bank about his death on XX/XX/XXXX. 

Fifth Third Bank failed to send any monthly checking account statements either by mail or email which resulted in monthly service charges/recurring debit card purchase charges accruing without my knowledge. 

Soon after, the COVID-19 pandemic hit, with lockdowns and restrictions causing further delays in conducting business matters. 

On XX/XX/XXXX, I presented a Small Estate Affidavit, his debit card, and my identification to personal banker XXXX XXXX at the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX in XXXX Illinois. XXXX contact numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and her email address is XXXX. XXXX proceeded on closing his checking account and issued me a cashiers check in the amount of only {$380.00}. 
I have an ATM transaction receipt dated XX/XX/XXXX, showing a deposit of {$1100.00} was made to his checking account. I immediately disputed this balance with XXXX, and she requested copies of his monthly checking account statements from XX/XX/XXXX through XX/XX/XXXX. 

These statements revealed a total of {$400.00} in monthly service charges from March 2019-March 2022. In addition, there were three yearly recurring debit card purchase charges from XXXX which occurred on XXXX for {$120.00} ; XXXX for {$120.00} ; and XXXX for {$130.00}, totaling {$390.00}. 

On XX/XX/XXXX, I compiled and sent four emails with attachments of highlighted debited charges as well as picture proof that Fifth Third Bank failed to send monthly checking account statements to his email address. XXXX acknowledged receipt of these emails to her email address XXXX and forwarded them for review to get a refund issued for {$400.00}. 

I have inquired both by voicemail and email approximately 7 times and still no refund has been issued. 

Fifth Third Bank failed to send his monthly checking account statements either by mail or his email address. I was completely unaware that any charges were being debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Shellpoint Partners, LLC
State: AZ
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:
When i was laid off by my company in XXXX of XXXX, i applied for and was generously granted Forbearance relief with my mortgage company. The assistance that i received postponed our monthly mortgage payment until the end of the Forbearance agreement which i believe was 9-10 months. 

Upon returning to work and and ending the Forbearance period in XXXX of XXXX, we began paying our back payments ( in addition to our monthly mortgage ). So, we paid double payments until through the end of XXXX until we were caught up. We were religious in making these payments a priority and did not miss or were late with payment during the repayment period. 

When we recently applied for credit, we were declined based upon having XXXX late payments reported by Shellpoint Mortgage. I contact Shellpoint and was told conflicting information. They showed the " lates '' but were not able to answer my question... how could i be late when i made every ( double ) payment. Strangely, the " lates '' came mid-way through my repayment- XXXX, XXXX, XXXX and XXXX of XXXX. 

I had received " late notices '' a couple of time earlier in the year. I was told that the system was still auto-generating delinquent notices, but i should ignore because i was on a Forbearance program. 

I would like to have the delinquent notices removed from my credit report with all three agencies. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I requested a PIN number for my  American Express Card so  that I could access cash through an ATM. I requested this on  XXXX   XXXX . I was told a permanent PIN would be mailed to me on the next business day. I was to receive it in  5 to 7 days. I checked with American Express o n the evening of the  XXXX  since I had not received it. I was told it could take a couple of more days and to let them know if I did not receive it.   I called them again on  XXXX   XXXX  as I still had not received it. I was told by the customer representative that it was out for delivery and I might receive it tomorrow and there was nothing that could be done. Wanting to see why it had taken so long I asked to speak to the Supervisor. I was given the same story. I then asked to speak to  the Supervisor 's  boss, a gentleman named  XXXX  who told me there had never been a PIN sent. When I told him what the customer representative had said and asked who was wrong he assured me it was not him. I then asked who had told me an untruth and he assured me it was not him. I was told that nothing could be done and that he would open an investigation. When I asked for the results of that investigation to be sent to me, he said they can not do that. I then asked to speak to his supervisor a gentleman called  XXXX  ( sp? ) who apologized and said they will investigate, but nothing can be done about my being given false information several times. I told him what upsets me most is that a financial institution has lied to me, he apologized for that as well. Basically I have done everything that I was asked to do, was misled and the answer is gosh we are sorry. This company handles cash?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: AZ
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 this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a satisfied mortgage with Citi Financial but all the lien releases for the property XXXX XXXX XXXX XXXX XXXX were not released. There were a XXXX and XXXX mortgage for the property. I have contacted the company who took over the loan and I have been told there is no recorded. The property was purchased in XXXX  the lien release was done XXXX. This is an oversight by the company which is preventing the sale of the property. Please advise. The one lien release has been obtained but the second release can not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

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 2021-01-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Td babks claims to say I owe them of XXXX but I havent had an account with them since I was a minor this is false and scams have been bought to my attention

Company response to consumer: Closed with explanation