BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE MLA WAS VIOLATED THE MLA WAS VIOLATED THE MLA WAS VIOLATED. It should be known I was in the military.XX/XX/XXXX and XXXX XXXX of XXXX violated the military lending act. I joined the military XX/XX/XXXX and my contract ends XX/XX/XXXX. The car was purchased in XX/XX/XXXX, therefore I am a covered borrower. Did you notice that she didnt investigate the MLA which was violated. I need to be compensated for all the damages that occurred. In the contract as a military member I was financed gap insurance. The Mapr needs to be investigated, also I didnt received any disclosure about the Military Lending act. Please note if this complaint doesnt get resolve after this complaint. I will be contacting the Military JAG and also the Florida Attorneys General XXXX XXXX Under the XXXX version of the interpretation of the Military Lending Act ( MLA ). MLA and Q & A # 2 The MLA prohibits creditors from charging more than a 36 percent military annual percentage rate ( MAPR ) on credit transactions to covered persons. It also, among other requirements and restrictions, prohibits taking the title to a motor vehicle as security for a credit transaction, unless the creditor is a federal or state bank, savings association, or credit union. However, the MLA exempts several types of transactions from those restrictions, including a credit transaction to finance the purchase of a motor vehicle or other personal property when the credit is secured by that vehicle or property. In addition to regulations, in XXXX the DoD issued interpretive guidance on the MLA in the form of questions and answers, and amended that guidance in XXXX. One question-and-answer in the XXXX  guidance ( Q & A # 2 ) advised that when a lender extends credit in excess of an items purchase price ( such as a hybrid purchase-money and cash-advance loan ), the loan is not exempt from the MLA. Initially, Q & A # 2 was limited to secured personal property loans. However, in the XXXX   amendments mentioned above, the  DoD stated that the interpretation applied to secured motor vehicle loans, too. Accordingly, based on the XXXX Q & A # 2, an auto purchase loan that included GAP insurance would not be exempt from the MLA or its regulations, unless the lender was a depository institution. Since those loans would be deemed subject to the MLA, they would not only be subject to the 36 % MAPR limitation, but also to the prohibition against securing the transaction with the vehicles title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I received several collection calls from sallie mae regarding the debt owed from the private loans. The time frame was from XXXX. They would call me XXXX times a day asking me to pay back the loan. I would say I did not have the money and they would tell me to ask my parents. I tried to plead hardship because I was dealing with mental health issues and they would just persist even until I cried. I asked them if we could do a payment plan and all they would offer is a forbearance. And the condition was always to pay XXXX or more. They did not explain in detail what it was just that it would hold my position of loan as current. I was not making enough to support myself let alone pay a loan. I had to change my phone number several times. They would call me and every time just make me feel bad for not having it. Then it was sold to navient and from XXXX they attempted to collect by sending several letters and even emailing me in XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have tried to settle issue with this company and no anvil they refuse provide proper information on this debt. this company is reporting invalid amount and invalid dates the amount owed is XXXX and the are reporting XXXX owed the original default date in XX/XX/XXXX they have updated it toXX/XX/XXXX restarting sol texas for debt collection I have sent out two letters to this company requesting proper information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Like many people I was struggling before the pandemic, but during the pandemic I was unable to make my mortgage payments. I applied for and was granted 12 months of forbearance of my XXXX XXXX mortgage serviced by Mr.Cooper. At the end of the 12 months I was NOT informed that under XXXX XXXX I was entitled to two additional 3-month extensions. When I did apply for those through Mr.Cooper I was told no. When I applied for a Loan Modification I was told no. I was told I could do a Repayment plan, but I would have to pay the outstanding balance of payments due in a lump sum ( in violation of XXXX XXXX  guidelines ). I requested written clarification of why I was not entitled to the extensions and why I was not entitled to a Loan Modification. I also requested an explanation was to why I had to pay back the payments suspended during forbearance as one lump sum. I have received NO written response to these questions from Mr.Cooper. I have however received two letters from XXXX XXXX XXXX informing me that Mr.Cooper has turned my loan over to them for foreclosure. This is extremely frustrating. Why am I being singled out for treatment that violates all of the XXXX XXXX guidelines currently in place? I do not have the money to hire a lawyer to help me with this. However, I am waiting on an inheritance which would allow me to pay the outstanding balance of payments of approximately {$32000.00} in a lump sum. That should be going to probate and should get through probate in 12 weeks or sooner. So if I was actually granted the 2 forbearance extension periods I am legally entitled to I would be able to pay the outstanding balance and make my mortgage payments on time from here on out. But Mr.Cooper would rather drive a XXXX year old woman out of her house and onto the street. Mr.Cooper is also aware that there are 14 old horses on this property that have nowhere to go. Is Mr.Cooper going to pay for their board at another property? Is Mr.Cooper going to have them all destroyed since I can't take them with me to live on the street? Or better yet, is Mr.Cooper going to follow the regulations mandated by XXXX XXXX and give me my forbearance extensions so I can save my home? Please help me. I would rather die than leave my home knowing my horses will all be killed especially when it can all be avoided. I have provided Mr.Cooper with proof of my inheritance. I have provided them with proof that I am serious about saving my home. And yet they can not bother to respond to any of my requests in writing I will be making a copy of this complain and submitting it to Mr.Cooper and to XXXX XXXX XXXX as well. I hope you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft, I tried with all 3 credit bureaus to get the inquiries from the last year removed, since I did not authorize them, the credit bureaus refuse to delete these inquiries which are hurting my credit score.

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 2017-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account below has been deleted from my credit report twice and readded. i have provided in a past the XXXX XXXX for this debt. it should be de ; letd again from my report. it is also more than 7 years old. not sure what equifax is doing on credit reports but alot of the information on my report is missing or readded debts that are mines. 

XXXX XXXX {$7600.00} Closed Overview You 're currently using 254 % of your account 's limit. 
Balance {$7600.00} Credit limit {$3000.00} Minimum monthly payment {$7600.00} Opened XXXX XXXX, XXXX ( 6 yrs, 5 mos ) Payment History Youve made 71 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$7600.00} Worst Payment Status No Info Account Details

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: SinglePoint GI
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am requesting the register agent and legal address for General Revenue Corp as I am needing to have a constable service serve them a legal affidavit I filed from Third District court. Please provide that information via the CFPB portal. Marking this complaint as a duplicate to avoid being served will be noted in the legal paperwork if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
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 information incorrect

Complaint:
XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, Please help me CARRINGTON MORTGAGE refuses to help me modify loan because they said is not on their best interest to help me keep my home. CARRINGTON MORTGAGE requested for my full application around 3 different times and now they are telling they are not going to review my application because they don't feel like it. 

Please help!!! all I'm asking is for help to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had done a modification in XXXX. And my first payment was on XXXX .and on XXXX/XXXX/XXXX I recast my loan with Wells Fargo to be in a fixed rate because I knew my rate was going to go up being in this modification. And when you recast your loan the rate stays fixed and the term stays the same the entire loan The payment is what gets lowered. As all this infomation is on Wells Fargo papers too. 
XXXX XXXX is trying to do a fraudrulent act on my loan saying I am still in the modification That 's why it 's going up. Well that not true at all there causing a fraudrulent act on my loan And I want them prosicuted to the fullness extent. And I want Wells Fargo to pay my loan in full due to they are trying to Cause a fraudrulent act on my loan. And I am not the only one Wells Fargo has done this to its all online in the news what Wells Fargo is doing. 
They need to be put out of business how dear Of them do this to my loan.

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 2021-08-21
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My XXXX year old daughter received a prepaid VISA card from NetSpend with {$10.00} on it for her birthday. When we called to try to activate it, we were informed that the card is expired. The expiration date printed on the card is XX/XX/2025, currently three and a half years in the future. NetSpend claims no money was ever put on the card. They offered to send a replacement card, but stated that there would not be any money on it if they did. I asked what good it would be to send me a card with no money on it, but they couldn't answer. I asked what would happen to the money on this card. Would they just keep it themselves? They said there was no money on it again at first, but then said that yes they would keep it for themselves. This company is seizing a child 's birthday gift.

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 2018-08-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2018 I submitted a letter to XXXX XXXX XXXX XXXX, XXXX requesting the correct Name and Address on my credit file be Updated. and the removal of any other names and addresses to be removed due that they are not deliverable to me by the U.S. post office and they are not reportable to the FCRA, since they are inaccurate. Equifax stated that they cant remove the address or correct my name on my file. this is an issue that I've tried to fix without it coming to me filing a complaint on XXXX XXXX XXXX XXXX, XXXX. I'd received a letter stating Address XXXX XXXX XXXX XXXX XXXX ill XXXX was removed, which I will upload with this complaint, But I'm still seeing this address on my file as of today XX/XX/2018. I spoken to Equifax on todays date and the representative stated its still on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am writing the letter with help of my financial aid reward. I was charged for the following Transportation total - {$1600.00} Meals total - {$2.00}, XXXX Miscellaneous total - {$1800.00} Room total- {$13000.00} I drive to and from school when scheduled. I never received a room I have my own home and miscellaneous! The University over charged me for XX/XX/XXXX-XX/XX/XXXX and for XX/XX/XXXX-XX/XX/XXXX for the same amount totaling XXXX. I need this issue resolved ASAP. I am sure I am not the only student that has this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CITIBANK, N.A.
State: VA
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:
This letter is regarding account # XXXX, which you claim my account was late 4 times. My CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX and XXXX ) and reporting correctly on XXXX This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX 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 2021-08-07
Company: EQUIFAX, INC.
State: TX
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 checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX/XXXX  XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in mid-XX/XX/XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XX/XX/XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: Bridgecrest Acceptance Corporation
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my car with XXXX XXXX and the payoff check has been sent in twice now, neither time has the check been cashed and I've received Calls demanding payment or telling me that my credit score will be compromised and my car repossessed despite the fact that the company is simply not cashing the buyout checks. The first buyout check was sent in XXXX, was not cashed and therefore after a month a stop payment was placed on that check. Another check was sent to them on XXXX and I have confirmed receipt on XXXX from my refinance company who has the tracking information from XXXX that it was delivered. I am told that the hold up is because my refinance company hasn't issued a new check which is false. I also was contacted by Bridgecrest to inform me that the check was received and that there was a {$140.00} or so difference between the check and the actual buyout amount which I paid over the phone and was told that my account was resolved. You can even see on my loan payment history that the buyout check was applied and then removed and further late fees were assessed after that happened as well. My refinance company tells me that they have a number of clients that this very same situation is happening to with regard to refinance from Bridgecrest specifically and frankly it feels like retaliation for refinancing my vehicle. I need this issue to be resolved with no detriment to my credit. I am being fed contradictory information from my original financer ( Bridgecrest ) and my new financer company ( XXXX XXXX ) is very frustrated at this situation as well as they are dealing with a number of accounts experiencing this exact issue.

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