BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-17
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Navient has continued to call multiple times a day. I have let them know that we have filed a forbearance and that the loans are being consolidated with the Department of Education. i have been polite speaking with these people but i have now explained the situation 4 times and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have fallen a couple of weeks behind in my loan payment. ( less than 30 days and less than a full payment since my last payment was a little over ) I have been receiving calls at work. I asked not to be called there but was called again. Even after I ask not to call me at the work number they continue to argue that it wo n't take long and they say that they can not stop calling me unless I take the time to verify all of my addresses and contact numbers and e-mail. I have not moved or changed my phone numbers at home or work for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I would like to investigate my mortgage company regarding my escrow account. I call to make a payment back in XXXX for {$150.00} to pay the shortage on my escrow account. The customer service representative process {$130.00}. I saw the charge on my account on XX/XX/XXXX. I call my mortgage company back to speak with a supervisor. I was advise that my mortgage payment was going up from {$430.00} to {$430.00}. They couldn't process the correct payment and the company wouldn't accept the difference. The statement advice starts XX/XX/XXXX the payment amount would go up. The company advises even if I pay the full shortage the payment would still went up even though the escrow bill said otherwise. I also would like to look into the previous escrow year. I had to make XXXX escrow payments last year. I think that it could possibly be a deceptive practice going on with my mortgage company. I have been other mortgage company and I never had this type of experience with company going back on its word in write on mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent a letter via certified usps mail to Transunion in XX/XX/2022 asking that they remove inquiries that I did not authorize and to do the same for account they are reporting. Transunion responded by saying that I am using a credit repair agency and they have NOT done anything on my report. I did NOT use a credit repair agency and I am insulted that they think that I'm not smart enough to write my own letter. I also called transunion they kept hanging the phone up on me. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I DID NOT GIVE ANYONE written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I HAVE NOT COMMITTED A CRIME15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They are INACCURATE! My right has clearly been violated! 
XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX, Acct # XXXX, Acct # XXXX *XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX XXXX XXXXt Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2022-10-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX because of the pandemic I lost my job as a nurse for a year we struggled to pay all bills. In XXXX, my husband and I decided to apply for forbearance for 6 months. After 6 months we continued struggling so applied for another 6 months of forbearance. We recently applied to the California relief program as our forbearance is coming to end this XX/XX/XXXX. Our company paramount residential mortgage group contracted a subservicer and refused to participate in the federal program. I understand mortgage companies arent forced to participate but my loan is backed my XXXX XXXX a federal funded company so it makes no sense for them not to participate and in addition not follow XXXX XXXX guidelines. Secondly they refused to speak to us the clients and transfer our calls to the subservicer who is XXXX who continuously lies to us. My husband and I have struggled with this issue for more than a month. We hope to get some help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Prime Choice Funding Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
While trying to close on our VA refinance loan the loan process was taking what seemed like an inordinate amount of time. After reaching out to both our loan processor and loan officer we were assured that we were close to a closing date. However, after some additional weeks had passed with no communication from the lended I became concerned. I had gone through my emails at that time and found a communication from the lender stating that they would close in 21 days of less. With that said, we had signed our loan estimate documents and intent to proceed document two months prior. 60 days had passed since document to process the loan were signed yet we had still not received closing disclosure or final lending documents. I then contacted the lender to inform them of what I believed to be inaccurate and false statements in regards to their closing timelines and that I intended to proceed with filling formal complaints if this issue was not immediately rectified. A phone conversation with our loan officer followed in which they stated they had never stated a closing date of 21 days or less. I informed the lending officer of the email in which he had stated a 21 day or less closing time line, to which he stated that he did not sent the email and that an automated system had. I did inform the lender that his name was on the email and that it had come from the lending company. We had further discussion about if I wanted to close the loan application, which I did not. The subject of closing the application seamed to be a threat of retaliation, if you file a claim against us then I will close your loan. I informed the lender a second time that I did not intend to close the loan process and that if the process was closed I would look at filing a retaliation claim. The lender then stated that I had been the one that was making threats. When asked what threat that was the lender stated the treat of filing a complaint. I did tell the lending officer that this was a threat to preform the action the lender had already committed to. The phone call ended at that time. In addition, I wanted to state that the lender had also made previous claims that we would be able to " skip '' two month payment on our mortgage when we refinanced. I'm not sure of this claim is legal or not but wanted to add that information incase it was a deceptive lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to get our mortgage provider to work with us in several ways. But they have refused us help at every turn. SPS ( Select Portfolio Servicing ) now is trying to take my house with no help. Can we get help with making them work with us so we can stay in the home we have lived in for 23 years before they bought our loan?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery and associates is saying I owe them a debt. I have never done business with them so Im requesting a written contract with my signature showing where I signed for this debt. If they can not provide the written contract I want this removed from my credit reports and all communication to to stop immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act US BKPT CT XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, U.S. Bankruptcy Court # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-04-13
Company: Pacific Union Financial, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX, Promise us when we refinance the company will make the appraisal fee of {$450.00} free of charge. Promo offer. But they still charge us {$450.00}. We try to contact them but not reply its 3 months now and they sell our loan to another company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My Wells Fargo Home Mortgage was in default by 60 days but wasnt in foreclosure. My wife made an electronic payment to Wells Fargo on XX/XX/XXXX and XX/XX/2023 which brought our home mortgage account up to current status. On XX/XX/2023 i stopped at my old home address XXXX XXXX XXXX XXXX Illinois XXXX, i found a red notice glued to my front exterior storm door that said this property was inspected and action will be taken to prevent further deterioration and new locks will be installed. I called XXXX and a Wells Fargo contracting company answered, XXXX XXXX XXXX XXXX is XXXX- inspection # XXXX, they told me even though i lived at this address for 15 years this is a FHA loan and Im required to live at this property permanently. My back gate had the lock remived and the gate was left open. This is appalling and unacceptable, i told them this property belongs to me and this is trespassing, loaki asset told me Wells Fargo can inspect my home anytime they want.

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 2021-04-30
Company: Kriya Capital, LLC
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:
THESE COMPANIES WILL NOT UPDATE THAT THE ACCOUNTS WERE COVERED UNDER A CHAPTER XXXX BANKRUPTCY THAT THEY DID NOT FILE A CLAIM TOO AND NOW THEY WANT TO CONTINUE TO HOLD ME HOSTAGE BECAUSE THEY FAILED TO RESPOND TO THE BANKRUPTCY COURT IN A TIMELY MANNER CREDANCE RESOURCE MANAGEMENT FOR XXXX XXXX Original creditor : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THESE ACCOUNTS WERE COVERED IN MY BANKRUPTCY PLEASE REMOVE THEM FROM ALL 3 CREDIT REPORTING FILES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have been with Bank of America for XXXX years and all of a sudden they transfer my mortgage loan to XXXX XXXX company which is fraudulent activity because I was making the payments and for the year of XXXX they say that they never received any payments BofA and XXXX XXXX company is trying to foreclosure on the house somehow they neighbors no exactly what is going on at the address in XXXX XXXX Nevada some how it is people that are in my family and friends like XXXX XXXX, XXXX XXXX, they have been paid to lie about me also they have been going into my house without my permission, putting toxic stuff inside the pipes going in my address getting statements there is illegal cameras inside, listening devices, etc. my son XXXX XXXX could be XXXX XXXX. His father is XXXX XXXX my son XXXX only XXXX years of age I dont understand how my family participated with this nonsense but I guess for bribery somehow, and then bribed other family members and friends as well, its very disturbing all this to take my home. I guess Ill make sure that I go in for closure. I dont know. Ive been trying to do a mediation with the company and I havent been successful yet. Its so much stuff going on. Its very sad. XXXX XXXX is XXXX XXXX father. Its so much I just dont understand how this is legal to continuously tow target harass manipulate lie very evil, but with the help of family members and friends, or listening on the phone calls whatever people do would be the only way that you would fraudulently be able to do what youre doing and consistency. I feel like the friends that I thought I had known a whole lot plus family members like my uncle XXXX XXXX my dads brother this is very disturbing and I need help my XXXX older kids XXXX passed away XXXX year ago Im worried about the safety and welfare of my family at the above address pls help us

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 2023-12-12
Company: EQUIFAX, INC.
State: CA
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:
The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A letter addressed to my wife, dated XX/XX/XXXX from Navy Federal Credit Union XXXX XXXX, XXXX, XXXX stating that a past due amount of {$12.00} needed to be paid to this Navy Federal Credit Union. Threatening statements indicated that late fees would be assessed, and information would be sent to the credit bureaus concerning late payments, missed payments, or other defaults might be reflected on her credit report. 

We called a toll free number to resolve this because my WIFE NEVER APPLIED FOR A CREDIT CARD from this credit union. We live in XXXX, ane we have never had any dealings with any credit unions. The first person we talked to said the following : A credit card had been issued to an XXXX XXXX at an address of XXXX XXXX XXXX, XXXX, XXXX, with a credit limit of {$25000.00}! This credit card was opened on XX/XX/2016. The {$12.00} charge was a XXXX charge to ship the credit card to the applicant! 
Supossedly the nexy day, Navy Federal Credit became suspicious, and the account was put on hold. 

WE WERE NEVER MADE AWARE OF THIS TRANSACTION. THE ONLY NOTICE WE RECEIVED WAS THE LETTER DEMANDING PAYMENT OF THE {$12.00}! I asked why we were not contacted, an I was told that the PHONE NUMBER WAS INVALID. BUT NAVY FEDERAL COULD HAVE CONTACTED US BY MAIL! WE RECEIVED BILLS FROM NAVY FEDERAL WITHOUT ANY PROBLEMS! 

We made several phone calls to the " fraud department '' of Navy Federal Credit Union. I was completely stonewalled by supposed fraud executives named XXXX and XXXX. XXXX was rude, abrasive, offered no information, and interrupted us several times. Her last comment was we needed to talk to XXXX. When we tried to contact her she was unavailable. We left a message for her to call us back, but she never called back. 

In conclusion we consider this matter to be ignored and unresolved. It seems that this Navy Federal Credt Union was totally unconcerned with our questions. This appears to be a serious IDENTITY THEFT attack. We we trying to get all the information about this breach, and how it could be possible that this credit union could actually issue a credit card particularly one with such a high amount from a credit union in XXXX to an individual in XXXX without contacting persons that would be responsible for the charges on this credit card! We need as much information as possible in this matter so that we might contact authorities that might protect us. Obviously Navy Federal Credit Union has no interest in advising us at to actions we might take to protect us. 

I consider the people in the department who verifies credit applictions and are in the fraud department to be useless and incompetent. It distresses me that this company is allowed to use the words " Navy '' and " Federal. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. 
The company refuses to cancel the account and according to my app, I owe a balance of XXXX.

Company response to consumer: Closed with explanation