BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a victim of hurricane Irma. I called after the hurricane to get an extension on my loan. I talked to a XXXX in XX/XX/XXXX. She and I filled out all the questions and I was told there would be no problem and that she would be sending me paperwork to sign and send back agreeing to the extension. The extension was for the months of XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I was to start payments again on XX/XX/XXXX. I was contacted again in XX/XX/XXXX about my payment. I went through the process all over again with the extension. This gentleman was very nice and apologized for it not going through the first time and did not have a reason why it didnt. Again I was told the paperwork would be sent out and just to sign it and return it. I was then contacted in XX/XX/XXXX from a XXXX which was very rude and said that I was in default and I owed over {$1000.00}. I told him I did the extension and he said that i never returned the paperwork but I told him I never received any paperwork. He at that time told me that I should have called to see where the paperwork was. He also said i only had 30 days to sign and return the paperwork, which i was never told that by the other 2 people at any time that I can remember. I did send my XX/XX/XXXX payment in and also XX/XX/XXXX payment in on time. After doing the extension for the third time with XXXX the paperwork was mailed out on XX/XX/XXXX and was received by me on XX/XX/XXXX. I did call XXXX back before this because i had not received it and he faxed the paperwork to me, I picked it up, signed it and sent it next day mail on XX/XX/XXXX and was told it would be delivered by XX/XX/XXXX by noon that day. They are still telling me I owe them {$600.00} by XX/XX/XXXX which I disagree with but was told thats the only way to get it out of default. I have called twice and have asked them for my loan payoff and was told that they couldnt generate it at that time and would email it to me within 7 to 10 business days. I called back a week later and was told they would have to put in a written request for my payoff amount because it would have to be hand figured out. 

This has also affected my credit score. 

I want my payoff and I dont believe it takes 7 to 10 days for it. 
I kept up my part of the agreement that I would start my monthly payments again on XX/XX/XXXX and was not late on any payments. 

This has been going on for 19 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Re : COMPLAINT - PennyMac Loan-Failure to Disclose. 
Due to recent hurricane Irma, I applied for and was approved for a Disaster Forbearance Plan. PennyMac expressly stated that during the Disaster Forbearance plan period, late charges would be waived and credit reporting would be suppressed. .. BUT PennyMac DID report to the credit bureaus that I was 2 months late which caused my credit scores to plummet. ( XXXX dropped to XXXX! ) I had made my XX/XX/XXXX payment on time and I made a payment XX/XX/XXXX after which I repeatedly tried to call their number without success. I was earnestly trying to speak with a live person. I finally sent a message through their message center. 
On the notice PennyMac sent me on XX/XX/XXXX, it states that at the end of the forbearance plan, ( XX/XX/XXXX through XX/XX/XXXX ) I would be contacted " to reassess '' my current circumstances as well as be provided information on alternatives that may be available to me. This did NOT happen. Furthermore, it states that " at the end of the forbearance period, PennyMac will work with me to repay the amounts included in the forbearance agreement. This too, did NOT happen. Instead. I was bombarded with NOTICES OF DEFAULT AND INTENT TO ACCELERATE. 
In one week I made 3 payments of {$930.00} ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
PennyMac has completely reneged on the agreement to suppress reporting to the credit bureaus. Now I am concerned that my low credit scores will affect my car insurance rate, credit card rates, etc. PennyMac should be made to retract the erroneous information they sent to the three credit bureaus.

I would appreciate any help you can provide regarding this matter. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CMRE Financial Services, Inc.
State: CA
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:
On XX/XX/XXXX, I contacted the CMRE Collection agency and negotiated to pay off a total of 8 collection accounts. It was agreed that upon payment of the collection accounts, CMRE would cease all collection actions and activity and grant a deletion of all accounts on all the credit reporting bureaus. 

In XX/XX/XXXX, upon learning that the collection accounts were not deleted as agreed, and that CMRE listed the collections as " paid '' collection account but did not delete the accounts from the credit reporting agencies as agreed, I contacted CMRE and explained the above information. I was then informed that there was nothing that CMRE would do to assist me. I requested to speak to a supervisor and was not provided with a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Kikoff Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KIKOFF LENDING LLC is currently showing XXXX  days late for the month of XX/XX/2021 in XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/2017 I have been in contact with AES to inform then that I am in school. They made minimal effort to properly inform me of information about my loan. Every time I have called I've given new information. When I spoke to someone in XX/XX/XXXX they said they sent out an in-school deferment form for me to sign, which I did not receive. I called to ask them to send it again earlier this month, they told me that I should've received it in my electronic inbox instead of by mail and that they would be sending it again that way. A few days later I receive an email stating I am not eligible because my account is in delinquency. I haven't made payment because I have been under the impression that my in school deferment would be rightfully instated, just as it has with XXXX. I contacted them again early last week and they told me that my school never submitted enrollment verification with the XXXX XXXX XXXX. I call the school who provides me with dates in XX/XX/XXXX that they have submitted my enrollment verification. This prompts me to call the XXXX who provides me with all of the dates starting in XX/XX/XXXX that they provided AES with verification of my enrollment. Throughout my multiple calls to AES over the week they give me varying excuses as to why I they can't provide me with in school deferment until finally a manager calls and tells me this morning that it's been five years school my loan has been disbursed therefore making me ineligible for in school deferment and I am out of options. I am distressed by how ineffective everyone I've spoke to has been since my contacting them in XX/XX/XXXX, and my credit score has dropped. Currently I am in a XXXX XXXX XXXX XXXX XXXX program and had I known that I was ineligible for in-school deferment back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth, I would have found a way to make the payments back then so my credit score would not have dropped and my account wouldn't have been in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Today XX/XX/2021 PayPal withdraw {$7900.00} from my business bank account without my authorization, leaving my account overdraft balance of - {$5400.00}. My customer used the wrong card to do his payment on XXXX XXXX who is from I receive my payments and he ask for refund with his credit card company. PayPal is charging the fees from that transaction and did the withdraw from my business account without my concern leaving with no money to work and left money on PayPal account who gets 1-2 business day to the money go to my bank account and They have a option who is suppose to transfer instant money paying a fee of course but the way dos nor work to and I have to wait 72 hours to PayPal review the transaction and maybe transfer the money to me. 
I have to hold all my crew and keep paying then per day until I have the money in my account back to start my jobs again. Until that my company XXXX XXXX XXXX XXXX will be close and putting me and a hardship situation who the only will pay for that for sure will be me because my employees will get they money, the customer who did a mistake paying with wrong card will have hes money back with full amount, PayPal will have they money and also me and my company will pay for everything mistake made for somebody else or some company. 
I will fill a Police Report against PayPal and for sure I will Law Suit for any damage they causing to me and my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Lending Club Corp
State: AZ
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:
Lending Club incorrectly reported payments, dates and amounts on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29
Company: Tribal Lending Enterprise, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
InXX/XX/2017 I signed up for what I initially believed would be a payday loan from XXXX XXXX for XXXX dollars. Just enough to pay my rent. When I initially agreed to the loan, it was presented in such a way that I was made to believe that I would make four large payments and the loan would be paid off. It appeared that I would pay around 200 dollars for a XXXX dollar advance, which I was okay with. However, after the four payments were made they kept taking payments out of my account in the amount of 150 - 250 dollars per check, with only 35 - 45 dollars going toward the principle. That is when I realized what it was that I had actually signed up for. At that point, my only option was to pay off the principle, something that was nearly impossible to do when they were taking XXXX dollars a month from my check before I even saw it. This loan has cost me around 2600 hundred dollars so far and has made me perpetually late on all of my other obligations, destroying my credit in the mean time. 

This has also kept me in a payday cycle that has made it nearly impossible to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CURO Intermediate Holdings
State: TX
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:
Friday, XXXX XXXX I have received a letter stating that my complaint has been closed due to CFPB feeling as though the complaint was not sent by me personally. I Authorize, notarize, and authenticate all disputes/complaints made on behalf of my credit report. I will not tolerate anymore hassle behind disputing this collection account. I demand my complaint is re-open and this collection account terminated from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
LVNV went to my parents house, told them I had credit card debt that was in collections and told them exactly how much I owed on both accounts. LVNV informed my parents they were attempting to process serve me. I called LVNV and told them I have never lived at my parents address but they have returned still looking for me. Date of first contact at my parents house XX/XX/2021 and second contact XX/XX/2021. I returned their call XX/XX/2021 and left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BlueChip Financial
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The fees are outrageous on the loan. They do not communicate that with you before sending the funds the APR 460 % which is illegal in North Carolina. There is a {$2000.00} finance charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields. 
Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency.

This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now.

I will consider not perusing legal action against XXXX if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had XXXX in my life, and I always use my military insurance when I go to the hospital. I guarantee that I have never went to XXXX what so ever. Maybe I was a victim of ID theft. As a result the hospital who provided the services should be able to identify the person in question as they are supposed to protect my person as a consumer. I cant believe that such injustice happened to me. When I call the hospital they stated that they didnt perform any service under this name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made my loan payments through navient for years and they did not inform me of XXXX or provide me with correct information when I asked. They did not ensure that I was on the proper payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credut Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 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  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 XXXX XXXX. XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: WA
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 declared bankruptcy in 2010. among the accounts discharged was a credit card account issued by XXXX XXXX XXXX XXXX , for $ XXXX and a loan consolidation for $ XXXX, prior to which had no late payments or negativity associated with the debts. Shortly after I disputed with Experian, to remove the false late payment information reported by the credit union, and they removed them. Still the credit union, now named XXXX XXXX XXXX, reports an open credit card account for {$7500.00}. that is raising my credit to debt ratio, nice for my score, but makes obtaining new credit more difficult, as my income remains the same and there is a threshold to how much credit lenders can offer. This caused me to lose a huge opportunity when my state issued me a permit and I couldn't fund the final requirements for start-up. I have disputed many times and it is always verified by the creditor as a correct reporting. 
When contacting the credit union, I am met with a direct connection to a certain manager, whom had also transitioned to XXXX XXXX XXXX. In our brief conversations I am met with accusations of thievery and inconsolable latent hostility. They added {$2500.00} to my credit limit after my bankruptcy and wont let me close the account. I even want as far as contacting the credit card fraud department and they could not help me because the account does not exist

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