BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been asking for years for help with my loans as my income changed when I divorced and trying to raise XXXX kids. I was told there was not much they could do and that there was not programs to help lower my payments so of course I used up my forbearances and deferments which of course gives them ways to capitalize interest on me. My loans total has easily doubled or tripled and owe as much as a house for my Associates and Bachelors. The call centers would not release or offer any low income programs, I even tried got help from XXXX XXXX and they got me into a income based program charging me money to help me and then disappeared which caused me to be late to re-certify which caused me to loose time on the pslf due to lapse in my certification with income based programs. I called the Dept. of Ed and that is when I learned that those programs have always been available and other ones as well but none were ever offered to me in the last 10 years. I look at my total due that I owe and it is very depressing to know I owe so much money and was swindled into thinking there was not programs or help out there and I owe fees and high balances due to their scams to make money off a person trying to better themselves. I started PSLF program back in XXXX and I was told after 5 years I would be able to have some of them removed and forgiven all of them would be forgiven. I received a letter that I am not eligible till XXXX. More scams I guess I have no belief that they are trying to help people at all just to scam people, and fool people into the programs and then throw loops to make it never happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : Back in XXXX XXXX to XXXX reached out to me to help with my mortgage, after doing research recently with the XXXX it looks like XXXX XXXX XXXX is contracted and works with Ocwen to contact homeowners. This is illegal because XXXX to XXXX contacted me at my place of employment and I did not hand over my work contact information. 

In any event I went through the steps with them and singed over authority to contact Ocwen to receive access to my file. I provided XXXX to XXXX the necessary information and was informed by them that yes my monthly expenses should be looked at when under a review for a loan modification. All in all the modification that came back was unacceptable. The mortgage payment should be lower with P+I+ taxes.and within 31 % of my monthly income. Whatever they have to do the principal needs to be reduced to go along with the homes current value. I tried to appeal this with XXXX to XXXX and they refused to go back to Ocwen telling me I received the best modification going. REALLY for who, XXXX XXXX?? 

Because of this and getting XXXX to XXXX involved they took it upon themselves to turn around and deny the modification on my behalf which I did not authorize XXXX to XXXX to do,. I requested XXXX to XXXX to go back and negotiate a lower payment for me which they did not obviously at a rate of {$2900.00} payable to XXXX to XXXX. 

Now I received documents from Ocwen stating that there are NO MORE modifications available for my mortgage. Grant it I have been fighting for the past 9 years with Ocwen and in XXXX XXXX this year the CFPB finally sued Ocwen and it was settled over the summer and I have yet to receive information about this law suit. 

ESPECIALLY WHEN THE LAW SUIT CONCERNED FAMILY MEMEBERS INHEIRTING HOMES AND MORTGAGES FROM ESTATES WHICH I HAVE AND OCWEN SHOULD BE ASSISTING HOMEOWNERS AND OCWEN IS NOT DOING THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
In my original investigation request sent XX/XX/2021 I asked Transunion to delete anything that is not 100 percent accurate. They responded saying that all of my accounts were indeed correct and verified. How is it possible that TransUnion, XXXX, and Transunion all verified the accounts I inquired about as accurate, but they all have inconsistencies in the reporting? After that, I sent a letter on XX/XX/XXXX asking for Transunionto please remove the accounts below from my credit report because I still found inaccuracies in each entry. I also provided proof of the inaccurate reporting along with my letter. Instead of deleting the information as requested, they updated their file, which is against the FCRA. This is my 3rd attempt to remove the inaccurate accounts that Transunion stated was verified and correct.

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 2018-08-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has not responded back to my attorney in which notice was sent to them regarding this debt with XXXX in which they never responded back to my dispute regarding this debt. XXXX was mailed several letters in regard to the matter before Midland Funding LLC bought this account and I still disputed the account with Midland Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I was the victim of multiple credit card fraud via a HomeDepot/Citibank card. This fraud was timely reported to Citibank on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a 100+ point drop in my Credit Score and is due to a negative remark reported to XXXX by Citibank on one of these fraud accounts ( THE HOME DEPOT/CBNA # XXXX ) I contacted Citi and they told me they can't do anything since they sold this account to GC Services collection company. 

I need Citibank to contact XXXX  and remove this remark since it was a fraudulent purchase. 

I need XXXX  XXXX to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need Citibank to send me a check with the {$120.00} credit I was debited from my account during the fraud.

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 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 notified in the month of XXXX by credit wise that my credit score dropped by 100 points due to a 60 day Capital One credit card late-payment. I currently have 2 other cards from Capital One and the payments have been consistent. When paying on-line, the convenience of viewing each of the three credit cards due dates on a single account summary page helps in keeping up with and making sure my payments remain consistent and on time, no excuse to be had. I spoke with 2 Capital One reps on XX/XX/18 at XXXX XXXX  and learned the following about their on-line payment notification system. 

First, I didnt get a grace period to pay and the email system failed to notify me when my bill was past due. I have been a loyal customer to Capital One for about 3 yrs and this is the 1st time I have been more than a few days late with a payment. 
The following month due date, for this past due card, was provided when paying the other cards through this on-line account. I did not receive notice of a past due payment when viewing th account summary on-line. 

I wasn't given a 28 day grace period, as acknowledged by Capital One ( XX/XX/18 ) and again not reflected when checking on-line as it should have been stated as a past due payment. 

When making/viewing payments for either of the three cards on-line, each card has information of the amount owed, their due dates, and the minimum payment for each on the same page visible with no excuse for late payment. The card in question did not state that is was a past due payment. The due date for each of the three cards are as follows : 1st-card ( 60-day Late-Payment Card ), 2nd-card dues  on the XXXX each month, and 3rd-card due on the XXXX each month. If I am able to pay the 2nd-card due on the XXXX on time, no past due notification was stated for the 1st-card on the XXXX, and also make a payment for the 3rd-card due by the XXXX, I am still within my 28 day grace period, there is a problem with their system. 

I was late once by one or two days last year and received a card declined notice when making purchasing, within the 60 day late payment, this card was not declined of flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX is charging 279.50 % Interest on my loan and over 80 % of my payments are going to with is called " CustomaryFee '' instead of interest or principle. For example, XXXX XXXX took {$270.00} out of my last biweekly paycheck and {$210.00} was charged as " CustomaryFee ''. This seems to be predatory and with such a high interest rate, I will never be able to pay this loan off. It is a trap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to portfolio recovery on more than one occasion to explain to them the debt for the car loan was in litigation. I have been trying to get this removed for over a year now. I dispute it and they send me the same paperwork over and over again. I provided paperwork and proof showing it was part of a class action lawsuit. I also provided documentation showing that the debt was supposed to be removed from my credit report and they refused to remove it. The item is on my credit report multiple times by both portfolio recovery and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: AmeriHome Mortgage Company, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was injured on XX/XX/XXXX and required emergency XXXX on XX/XX/XXXX which caused a hospital stay and for me to be out of work for 12 week as I was completely XXXX. I have my mortgage through AmeriHome Mortgage and contacted them immediately I believe around XX/XX/XXXX to get loss mitigation/forebearance plan processing as I was going to be out of work and unable to walk for that matter. I submitted all of the necessary documents and was told it would take 30 days. I received information back stating I had made error which i corrected and sent back to them. I called weekly asking if they had all the information they needed and was told yes each time. They told me then they had 30 days from XX/XX/XXXX to make a decision. Meanwhile, I had been getting foreclosure letters in the mail every other week, had been continued to be told nothing else was needed, was signed on my credit report, and was told on XX/XX/XXXX one day before a decision was to be made that they needed a proof of hardship which I got to them. I called them and told them I did not have access to fax machine as i could not even walk. They told me to upload documents and send via email and put on subject line loss mitigation along with my account number. Spoke with a very nice lady on XX/XX/XXXX who told me they had not received my documents and note said I would fax them which clearly could not have happened so she was going to try to get it handled for me. I continue to have no answers almost 90 days later, my credit score has been impacted and this has not at all been good for my recovery especially mentally. Dealing with them has been a nightmare and no one can help me or give me answers. They ask if i have friends I can borrow from? Which I think is totally unprofessional and acceptable given they are suppose to be helping me. They have been punishing me for being injured and I would like this cleared up as soon as possible. I have not backed down and have worked with them and gotten them everything they need in a timely matter even with being laid up for 12 weeks. This has taken a toll on my mental health and in no way seems just or fair. Please advise! Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Follow up to Case No. XXXXContinued unauthorized confiscations of the card by third parties who are not in the line of business or do not make themselves known to the account holder and who may or may not return the card once the activity was reported. Card ending in XXXX was returned on or before XX/XX/2021. Vehicle was entirely searched for debit card before and after reporting it stolen. On XX/XX/2021, reporting party found debit card laying in backseat floor area between driver car and middle console. XXXX was checked on several occasions, including under the seat and around the area. This is not the first time that such party has done this. It usually occurs when a third party notices that I am driving and business is slow and their reactions demonstrates discomfort with arrival, even though I am making a legitimate purchase and there is nothing straightforward with the purchase, eg " XXXX  XXXX, may I take your order? '' " Yes, I would like to order $ XXXX '' " I'll have your total at the window. '' Absolutely nothing out of the ordinary and card is confiscated. On more than one occasion, bank has refused to deactivate the card or has acted like they have not to harass.

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 2018-08-08
Company: SUNRISE CREDIT SERVICES, INC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I requested that XXXX XXXX XXXX to stop calling me on my work number as I could not receive debt collection calls at work. They acknowledged but began calling me again on XX/XX/2018 on my work phone number.

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 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type XXXX Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : Amount Delinquent : Account Balance : XXXX Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.

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 2021-07-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX ( The year of the Pandemic ) A document was sent from XXXX ( aka PHH Mortgage Services ) stating I was approved for permanent loan modification so to help me be able to pay my mortgage during my hard times. I was instructed to sign the documents and return them before XXXX XXXX for which I did. My monthly payments were reduced to {$400.00} which I paid on time each month by way of XXXX XXXX as per XXXX  instructions. 

XXXX XXXX I received certified mail with expedited foreclosure documents enclosed filed with XXXX County District Court 133rd. Stating the following : " As of XXXX XXXX -- XXXX XXXX XXXX XXXX monthly payments have not been paid. The amount required to cure the default is {$5700.00}. The total amount to pay off the loan agreement, contract, or lien is {$44000.00}. 

Notice to cure the default has been sent by certified mail to each respondent who is obligated to pay the underlying debt or obligation. The opportunity to cure has expired. '' The problem is, I had signed a loan modification and were making payments as per our agreement so why are they acting as if they received no replies, or efforts to pay the debt. None of my payments were returned nor were they applied on the debt. 

When calls were made to XXXX I was told I didn't return my signed mortgage modification which I did within the time frame they instructed. So they resent another mortgage modification form, and I repeated the process and still they claim they didn't receive that signed loan modification documents. 

I need a third party to investigate for fraud because XXXX XXXX is acting as if I've not attempted to make any payments. Now I'm being threatened by them with foreclosure when I did as XXXX their servicer instructed me. Since they are behaving in a unfair and unjust manner I need someone to do a securitization audit of my mortgage to see if any fraud has taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: IA
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:
While looking at my Equifax report, I saw that two addresses list are places that I've never lived Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX IOWA XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX I have been a victim of Identity Theft, but wasn't sure what option to select when filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Kentucky Higher Education Assistance Authority
State: NY
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:
My student loan was transferred from XXXX to KHEAA XXXX of 2020. I entered in to a student loan rehabilitation program with them in XXXX of 2020 and my first payment of 10 to rehabilitate my loan began in XXXX of 2020 with a monthly payment of {$170.00}. I have paid every payment on time without fail and expect to meet the rehab requirement in XXXX of 2020. However, I received a harrassing notice from them insisting that I am in default and have to pay {$10000.00} immediately and that they will be pursuing all avenues for collection. First of all, I am rehabilitiating my loan successfully so far so this notice is unwarranted. Second, my rehab arrangement was made directly through KHEAA in XXXX. Also, the loan balance does not reflect any payments which is fraudulent on their part.

Company response to consumer: Closed with explanation