BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-17
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit bureaus were notified that I was 30 days late on a payment to my Visa Credit card with my bank. I did attempt to make the payment ; twice! It seemed to go through, but both times the payments were later reversed. The only payments I have been able to make SUCCESSFULLY on this card are the ones I make in person at the branch. I have called the bank to see what is going wrong when I make online payments. I thought the problem was corrected, but it has not been. Since I do not see an " error '' message, or anything else to indicate the payments are not going through, I made the payments in good faith each month, thinking " this time it will work! ", but it never did. At no time in the payment process am I asked to type in the account number or any other number. I log in with my user name and password and then go into the credit card portal. I indicate which bank account I want to pay from and which amount, and then it is done. Again - no error message. I pay everything online. It all appeared to be fine. But, they were not going through. 
There is a 30 day late mark on my credit that should not be there. I am NEVER late on payments, for anything. I pleaded with the bank to help me, but to no avail. My credit score has dropped 40 points because of this!! 
Attached is a payment history for my credit card. The only payments that went through without the " payment reversal '' are the ones I paid in person, at the branch!

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 2018-03-22
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ).

Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. 

This error is concerning my Sofi/XXXX Account. 

The funds for the New Loan were disbursed on/around XX/XX/2018. 

Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding.

I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake.

Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. 

I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Disputes initiated XX/XX/2019 USPS Certified Mail Credit bureaus continue to report verified and meets FCRA requirements ( not correct ) Response from Collection Agency insufficient to validate XX/XX/2019 did not produce valid documentation. 
2nd Validation request sent XX/XX/2019 USPS Certified Mail Continued incorrect reporting to credit bureaus Violates Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), Fair Credit Reporting Act, Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan went into default due to me not paying it because I was not getting any information on my student loan mailed to me or through email. Once I found where my student loan was I began repaying it through a rehabilitation program, which I completed successfully. I have been out of default for a year paying on {$45.00} a month. All of the sudden my loan servicer Navient raised my monthly payments to XXXX a month which I can not afford. I attempted to apply for multiple income driven repayment plans and the only plan lowered my payments only {$40.00}. They told me if I could not take care of my monthly payment my only option was to go into forbearance. They also told me I had to make one time payment to begin forbearance. I was never offered any other repayment plans and was forced to go into forbearance. I was trying to get a public service loan forgiveness and now that has come to a stop because I can no afford my student loan payments with all my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Bliksum, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I originally took out a loan for less than {$6000.00}. I unfortunately defaulted on the loan due to medical reasons. Even though I tried to explain my situation and continued to make partial payments. I ended up using a debt settlement company to help resolve the account. Because the debt settlement company I was using provided false claim as far as resolving the debt. A settlement letter was at least sent to LoanMe. LoanMe was aware multiple times of the financial hardship and my efforts to resolve the case. Now my account has been turned over to a collection agency and the amount owing is {$21000.00}! They stated that the loan is still accusing interest at the original high interest rate even though the account was bought by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: CONGRESS COLLECTION CORP
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and noticed a collection agency Congress Collection has reported on XX/XX/XXXX and recently updated XX/XX/XXXX on my credit report that i owe {$170.00} dollars. Upon my own investigation of this company because i have no knowledge of this debt, I found that they are not even licenced to collect in the state of Arizona. This negative account is impacting my credit worthiness as well as my scored and i would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was hit during Hurricane Irma as I was in evacuation area. 
We received over {$100000.00} of damage to our property. 
We asked for a forbearance as well as made a claim to our insurance provider. 
There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. 
For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. 
To date I've not received either a call back or an email from my rep. 
This seems like a deliberate attempt to foreclose. 
All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Day This is a formal complaint against XXXX XXXX. On XX/XX/XXXX a certified letter with return receipt was sent to the company requesting validation of debt they stated I owed. I have no recollection or knowledge of the debt in question so I wanted and requested that the provide me with any documentation referenced to the account Midland stated I owed. On XX/XX/XXXX, a letter from Midland was sent to my address stating that they opened an investigation regarding my dispute. The letter also stated that in the meantime they would not be contacting me by mail or phone unless to respond to the dispute requested by me. The letter was signed by the Consumer Support Services Manager, XXXX XXXX. The letter also stated that the law limits state how long I can be sued on a debt, and because the debt was beyond the statues of limitations for the State of Md. However, they would continue to report the debt as unpaid. 


First, they need to provide documentation that the debt does not belong to me. A letter stating how they are going to respond to letter does not show any proof that I owe this debt. I am simply requiring XXXX XXXX to provide the documentation. I have also disputed this account also with the CRA 's for verification ( XXXX, XXXX, and XXXX  ) prior to requesting validation with the collection agency Midland. So the letter sent to them was my second attempt to resolve the situation with Midland. 


Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had issues with mortgage since it was sold in XXXX. Filed complaint against XXXX XXXX  for not notifying me of transfer. I was finally notified of transfer XX/XX/21 by PHH. ( Mind you payment is due XX/XX/21 ). I then recieve XXXX and XXXX 's payment in same statement on XX/XX/21. Which is also marked as received 26 days late on my account. ( no late charge issued ). Have Called them multiple times for a statement just for XXXX and am told they can not generate a statement for just XXXX. Was told by PHH to just pay XXXX statement and we will send statement for XXXX. Now since then PHH Mortgage refuses to send me statement for what is owed that month. It is XX/XX/21 and received statement today due for XX/XX/21. ( After 3 repeated calls to send me a statement to pay bill. ) which has XXXX and mays due on XX/XX/21. I have had repeated calls that turn into shouting matches. I have been assured by PHH management that my bill will be straightened out and that has not happened. I think they are up to something because I have never dealt with anything like this or it is a sick game. I have a great payment history and am never late with bills. This is very aggravating and need to know what can be done about this because I get nowhere with my situation. And would like to know my options. Please get back to me.

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 2020-05-12
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I recently was approved to receive unemployment benefits but i did not receive a way2go card. When i tried to go the website and register for a card it would not let me. Now i am curious on how i will get my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Ocwen Financial Corporation
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 information incorrect

Complaint:
PHH Mortgage Services is facilitating fraud and identity theft by an unknown third party. The property ( XXXX XXXX ) was foreclosed by the second lender in XX/XX/XXXX. Since then, the original first mortgage loan ( Account # XXXX ) has been fraudulently maintained, without my consent. 

Intermittent, minimum payments to the account are always late and made just prior to foreclosure by PHH. Accordingly, my credit report/score has suffered and the loan appears to be active. I have not lived at the house, derived any benefit from the property, nor made any payment to the loan since XX/XX/XXXX. 

( See attached : XXXX XXXX Deed, dated XX/XX/XXXX ; and, XXXX XXXX Tax Assessment, dated XX/XX/XXXX, for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 my lender, Homestar, paid three parcels from my escrow to XXXX county Taxes. I'm only supposed to pay for parcel number # XXXX XXXX and # XXXX XXXX. 
However, they also paid XXXX XXXX. Also, my property taxes weren't due until XX/XX/2021 but they said they paid in bulk to my county. However, my county never received payments for my property taxes as of XX/XX/2021 and could not cancel the taxes my lender paid from my escrow causing it to be short. 

I asked them if they could wait to do the escrow analysis until the payment was rejected by XXXX county tax office and they said they could not guarantee that and it was up to me to get the payment cancelled. How can I cancel a payment that was never sent? 

They also stated that because I was on forbearance I could not pay my escrow shortage until I was caught up on my payments even if I went on payment plans. This was not explained to me when I signed up for the forbearance program.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Approximately on the date of XXXX. XX/XX/2021, wrote a check to XXXX bank in the amount of {$150000.00} wanting to transfer funds and deal with only bank. At which time Chase bank froze the account and would not allow the transaction. Causing a situation at XXXX bank. Chase has been impossible to deal with or contact. If you do reach a person they are normally unable to help or are not cleared or authorized to comment. Please hold- next person same situation or you need to go to a local branch where I'm told that its out of their hands, here 's a number to call. Been there done that a number of times to no avail. 
Rude, discourteous, and even hanging up. Was told that the account had been close and check was in the mail around XX/XX/XXXX tenth.waited a couple of weeks and no check.Called back and was told check had been mailed and that they would have to investigate and resend. Waited an no check.Called back and was told they were investigating and the account had been closed and funds distributed. Not so. 
Consulting with our bank reps at XXXX and our attorney we're using on another matter, we were told there was no reason Chase bank was allowed to do this. Mr. XXXX XXXX XXXX, the first signature endorsed the check to XXXX for the transfer of funds to XXXX. Mr. XXXX passed XXXX. XXXX, which had no bearing on this issue because I was and am still the second signature on the account. 
Note that they have received copy of death certificate which they didn't actually need because I also owned the account. 
As a Veteran of this great nation and a senior citizen I feel deeply violated and humiliated and awed that a bank or any other business could rob you and it be allowed. I can't begin to describe the helplessness I felt, and the disrespect. Please HELP respectfully. Worst company Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Security Credit Services, LLC
State: FL
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:
SECURITY CREDIT SERVICES A COLLECTION COMPANY, ILLEGALLY PLACED A COLLECTION INTO ALL MY 3 CREDIT REPORTING BUREAUS DAMAGING MY CREDIT FILE. THE COLLECTION IS ( XXXX XXXX, AMOUNT {$1500.00}. 

THIS COLLECTION WAS IN MY CREDIT REPORT OVER 7 YEARS AND UNDER FEDERAL LAW WHEN THE NEGATIVE REPORTING REACHED THE 7 YEAR, IT WAS DELETED FROM ALL CREDIT BUREAUS. 

ON XXXX THE ABOVE COLLECTION COMPANY AGAIN REPORTED THIS COLLECTION AS A NEW DEBT. 

ALSO THEY VIOLATED FEDERAL STATUES FOR NOT GIVING ME THE RIGHT TO DISPUTE THE COLLECTION WITHIN 30 DAYS AS REQUIRED BY LAW, THEY JUST WENT AHEAD AND REPORTED THE COLLECTION INSTEAD AGAIN. IF THEY WOULD OF FOLLOWED THE LAW OF GIVING ME THE RIGHT TO DISPUTE THE COLLECTION, IT WOULD OF NOT BEEN REPORTED FOR THE 2ND TIME TO ALL 3 CREDIT BUREAUS DAMAGING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Trinity Hope Associates attempts to continue to collect a debt that is not due. It is a medical bill fromXX/XX/XXXX that was paid directly to the physician's office. I provided proof of that with them several times and disputed the debt in writing and verbally. They continued to try to harass me into paying anyway. I submitted a complaint to your agency in XX/XX/XXXX Case number: XXXX. There were attachments made in that case that I can not locate at this time to attach again. The last correspondence of this was that I provided again proof of the paid debt and they did not have any further response to me or you. There was nothing else communicated to me by them until recently, XX/XX/XXXXwhen they started calling/mailing me repeatedly again demanding payment. They would try to call at different hours and talk to my husband (who is not on this account and shouldn't receive any information about it) and demand payment from him. They even once told him I was trying to call them to make the payment so he should just "hurry up and do it" for me. When I spoke to them myself, I explained the whole situation again and they said they still have no record for the proof of payment and asked me to send it again. They clearly do nothing with this information that I've already sent them! They suggested that I just pay it again anyway in order to avoid "a higher counsel" and/or legal fees if I was to take legal action against them. I have disputed this debt many times and they are still contacting me, which I believe is illegal debt collection practice. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Tried calling XXXX XXXX 's office to workout a payment arrangement and they were rude and demanded the full amount in judgement and refused to allow payments on it. XX/XX/XXXX they tried to garnish my entire check from a previous employment but we're not successful. On XX/XX/XXXX they had me summoned to court for more than the original amount owed by 3 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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 used XXXX XXXX XXXX to get a settlement of a credit card debt, ( 1 ) the settlement resulted in a debt reduction of {$7200.00} was agreed to and all the balance ( {$6100.00} ) payment made in 12 monthly payments, until paid in full. Upon completion of settled payoff XXXX Sold the Reduction amount of {$7200.00} to XXXX XXXX  XXXX, XXXX. as unpaid debt. Now XXXX XXXX  XXXX, XXXX are Seeking payment in full for the amount of {$7200.00} as a debt owed to their company and notified all Credit Bureaus of lack of payment in the debt collection progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: EQUIFAX, INC.
State: FL
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:
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) XXXX, XXXX, Equifax Dispute Letters with the dates times and amounts there was a total of XXXX inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter

Company response to consumer: Closed with non-monetary relief