BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full to Westlake Financial SVC before the account was sent to collection. The account is reporting inaccurate beyond the Statue of Limitation. I have sent several letters to the Credit Bureaus and to the Creditor since XXXX 2020. Could you please assist in having this inaccurate information removed.

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 2020-09-17
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: Information belongs to someone else

Complaint:
I would like to Dispute these Account I did not Authorize or give any consent to these companies on my Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-12-07
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX 2017, I have received two calls a day, six days a week from a company call Portfolio Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. They use numerous different numbers to call from including:XXXX, XXXX, XXXX, XXXX. The calls come at approximately the same time every day. The phone rings twice and they hang up. Only once was I able to answer in time. The caller was looking for someone who I do not know and is not at this phone number. I explained this to the caller who was then very rude. I told them not to call any more, but the calls continue. NO ONE IN MY HOUSEHOLD OWES ANYONE ANY MONEY. THESE CALLS ARE NOT FOR ME. These are now Robo calls, there is an electronic sound on the line, but no one answers. Receiving thousands of phone calls over a 6 month period of time from the same company is simply harassment. The number they are calling me at is XXXX. I wish to report Portfolio Recovery for telephone harassment. I an also on the DO NOT CALL REGISTRY. I have NEVER received anything in the mail from this company about any issue, so why do they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on Experian and XXXX. This is not my account, and it seems like XXXX has proven this.

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 2021-02-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX of XXXX I have been reaching out to Lakeview Loan servicing company, in hopes to obtain a loan modification. We filed bankruptcy in XXXX and my husband lost income from leaving his job and we are struggling on monthly payments. I called at least 5 times and sent emails to request contact. Nobody has EVER called me back. There were times I waited on hold for SIX HOURS! SIX! I need someone to help me with the loan modification paperwork and to figure out exactly how to fill it out. Then I received an escrow shortage notification where they said that my PMI increased. How does my PMI increase? That is locked in at the start of the loan and decreases over time. With that, a and a raise in property taxes, It caused my escrow to be short over a XXXX dollars.But when I calculate how much my Taxes and homeowners insurance cost, it is not at the number they are asking me to pay monthly. I called last week and asked them to rerun it and explain it to me and the women said someone would reach out to me in a couple days. It has been a week now. I absolutely CAN NOT stand this loan company. if I had ANY chance of my bankruptcy not holding me back I would refinance somewhere that doesn't take 6 hours to talk to some one. But for now I guess I will just stick it out. I hope that they are reprimanded and that something happens because I am struggling.

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 2018-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A XXXX credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my phone at least 3 times a day for more than 6 months. Every time this company calls me, they use a different phone number. They often use phone numbers that match my area code to get me to answer. Ive answered a few times to see what would happen but each time I answer, the company hangs up within 5 seconds without having said anything. They have never left a voicemail. They have also been sending letters to an old address of mine at least once a month regarding the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Took out a private loan of XXXX for a XX/XX/XXXX through XX/XX/XXXXXXXX to enhance my career. Once clsss was over the pandemic was in full force so unable to secure job that I had planned on to repay loan as needed. Have contacted them several times to try to setup a payment plan to resolve but no response. Affecting my credit score monthly and I am suffering bc this is ONLY item on credit that is in default. Now its in collections and still no help from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX I signed up for PSLF. My loans were transferred from XXXX to Fedloan Servicing and I used an XXXX Award to make a large payment. At the time, I was on an income-driven plan and my bill was for XXXX dollars. When my payments continued to be XXXX dollars, I thought I was doing everything I needed to do. To my horror, it was only years later that I discovered I had been placed in paid ahead status, and the payments I thought were qualifying ... ..were n't. In addition, I never received any communication to re-apply to the income-driven plan and my approval lapsed, I was placed into an alternate plan with no notice. When the mishandling of many student accounts began to hit public consciousness I anxiously checked my own and discovered I was YEARS off track. 

I made dozens of calls to Fedloan and old loan holders to try and figure out what had gone wrong and no one could tell me. After months of being denied my own financial records, I had to put in a request with the State Attorney General to get copies of past bills and qualifying payment counts. When I, at last, received the documents I needed, I was able to prove several inaccuracies, and a 22 payment gap between XXXX of XXXX and XXXX of XXXX was identified as the consequence of paid-head status. 

This is the outcome of deceptive billing practices and horrendous customer service designed to deny students PSLF. There is nothing on the bill to indicate an account is in paid-ahead status. They don't even identify the repayment plan the loan is in!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: WELLS FARGO & COMPANY
State: TX
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:
I filed a fraud report with wellsfargo XX/XX/18. I have made a police report and had around 7,000+ deducted from my account without authorization. I notified wellsfargo and made a claim. I did not hear back from Wellsfargo until the 9th day and on the 9th day, my claim was denied. I was contacted by one branch of the fraud department stating part of my claim was being refunded in the amount of less than {$200.00}. Once he mentioned the wrong dollar amount he placed me on hold and stated he would reach out the main claim personal to have a follow-up call and work to get my funds return as soon as possible. No, follow up. I have spent half my day trying to receive support to learn three cards were sent out and only one was in my possession. I simply want what is rightful mine. The amount is substantial and by law, I feel, I should not be legally responsible for charges not authorized and reported.

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 2021-02-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Debt collection
Sub-product: I do not know
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:
received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX  accounts of the so called atty but has not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

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 2018-01-19
Company: Real Time Group, Inc.
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Under Florida law a loan modification agreement constitutes a novation of the original loan documents. See Florida caselaw XXXX v XXXX  XXXX XXXX, attached herein. It is therefore that a lender would attach a copy of the loan modification agreement XXXX  the foreclosure complaint so they can established that a default occur on the terms of the new contract. Select portfolio attached a copy of an unrecorded loan modification to the complaint. Under Florida Statute 201.08 ( 1 ) ( b ), & 199.282 ( 4 ) - " No Mortgage, deed, of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court room. '' Because the loan modification did not have any enforceability we filed motion for summary judgment. What happened next will shock you. The bank 's lawyers immediately recorded the loan modification. See loan modification recorded date XX/XX/2021. Upon closer examination of the loan modification we realized that the bank 's representative have engaged in fraud with the XXXX Clerk , therefore we ask that you provide a copy of the complaint to law enforcement, you have our consent. XXXX XXXX requires that a mortgage be notarized but also to reflect the legal description of the property on the document. XXXX XXXX will rejected and  not record a mortgage not notarized. If you carefully review the loan modification you'll find that just above the borrower signature it states " In witness thereof ". The borrower 's signature nor the bank 's were witness as the allege agreement was not notarized by either party. The XXXX clerk are not permitted XXXX  accept a loan modification not notarized because the loan mod is the new mortgage contract. The matter will be brought to the judge attention as we are requesting the Honorable Judge take judicial notice that the bank 's legal representative have engaged in fraud in connection with the unlawful recording of documents. The loan modification does not have the property legal description. For educational purposes, can a court dismiss a foreclosure action based on a mortgage not having a legal description? The answer is no, the court may give the lender the opportunity to amend the document before the judgment is entered .However, pursuant to Florida Case law Fed XXXX XXXX XXXX v XXXX XXXX XXXX, no judgment ever be entered until such correction has been made. What the caselaw does not say is that in order for a lender to correct this issue it requires for the debtor to sign the amended documents and we are not signing anything. SPS, you should know better than that, sps or their legal counsel engaged in a fraudulent act along with the XXXX clerk to record a document that can not be recorded and you been caught in the act, the question here is who among you in going to jail?.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
According to XXXX and XXXX my rental application for XXXX XXXX was denied because of the following below : This decision was taken for the following reasons : Rental history Prior to this denial, XXXX  directly called my prior landlord at XXXX XXXX XXXX. 
XXXX came back to me, stating I owed a balance of {$3100.00}. XXXX XXXX XXXX provided them with false information and I told XXXX that. However, they still denied my rental application solely based on a verbal from my previous landlord, rather than a derogatory mark or collections on my credit report. As of today I have zero derogatory mark or collections on my credit report. 

I have Experian report under XXXX which I have no idea why this is there. XXXX gave me XXXX  name and address, but provided nothing for Experian in the denial email they sent to me. 

XXXX stated in the denial email verbatim that, " The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why adverse action was taken. '' They can't give me a specific reason because it isn't on my credit report, and they took a verbal from a landlord.

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 2020-05-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent {$1000.00} on XX/XX/XXXX for my XXXX payment. It was clearly marked that XXXX $ was to go towards the payment and XXXX was to go towards principal. Yet, again, for the 3rd month in a row they didnt allocate the money to the correct place. They sent all to principal and sent me a letter telling me I didnt pay my bill and requested a XXXX $ late fee. I have heard that financial institutions start taking advantage of people at the end of their mortgage and I dont appreciate the way they are treating us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report about XX/XX/2021 and found a collection account from XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX I did not recognize. I sent Experian a letter on or about XX/XX/2021 to dispute the information asking for them to provide me physical verification including any signed contracts that these debt belongs to me and that all information was correct, to date they have only sent me a generic letter stating it was verified and updated with a different dollar amount. On or about XXXX I sent another letter demanding verification and received the same response about XX/XX/2021. On XX/XX/2021 I noticed the account number changed after all the the previous letters of verifications and updates I again sent another letter asking for an explination and documentation for the accounts in question on XX/XX/2021 and XXXX account was updated and XXXX XXXX ( XXXX XXXX XXXX ) was deleted on or about XX/XX/2021. I reviewd my credit report again on XX/XX/2021 an noticed the XXXX collection ( XXXX XXXX XXXX ) account had been added back to my credit report without any acknowlegement from Experian.

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 2018-01-19
Company: Overland Bond & Investment Corporation
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: Old information reappears or never goes away

Complaint:
I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.

Company response to consumer: Closed with explanation