BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: ORG GC GP Buyer, LLC
State: TX
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:
From XX/XX/XXXX -XX/XX/XXXX I underwent an administrative wage garnishment. At the time the garnishment was levied I was under a loan rehabilitation program. Be cause the collection agency failed to properly certify my employer I was garnished at a percentage ( 25 % ) above the legal limit of 15 %. I only had four months left of rehabilitation but I could not afford to continue the plan because I was unable to comply while trying to resolve the garnishment amount being withheld. It took 17 months for the improper garnishment to stop. I was charged {$10000.00} for this collection agency ( GC Services ) to collect on my defaulted student loan. I requested a hearing from the U.S. Department of Education and asked them to apply the excessive amounts as voluntary. They refused. After 2 years they refunded the amount ( {$5200.00} ) then charged me interest and penalties along with the collection costs on refunded amount for those 37 months. I remained in garnishment until XX/XX/XXXX when the garnishment ended. ( {$29000.00} ) The Department of Education stopped responding to me and I thought I was done. Then in 2017 another wage garnishment was levied by the Department of Education for another $ 77,000.00+ It appears that the U.S. Department of Education would rather  you remain in default for your entire life. Because my hearing was denied and a " records review '' was conducted I was not afforded due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal Credit Union wrote me a letter dated XX/XX/21 stating if I would pay them {$1600.00} they would settle my credit card debt with them ( attachments included with this complaint ). Navy Federal stated upon completion of the settlement they would send me a letter confirming the settlement of the account and no further collection activities will occur. Navy Federal also stated they would update the credit bureaus with the new information. 

I paid Navy Federal the amount they requested and they continued collecting on the account which you will see in the attachments. I've received 2 collection notices so far and my credit bureaus have not been updated showing settled. Navy Federal actually added lates to all the credit bureaus, including XXXX and XXXX XXXX. My credit has been harmed because of this and I have been denied credit because of XXXX XXXX 's deceitful tactics. 


Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: AES/PHEAA
State: CA
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:
My XXXX school loans were being serviced by XXXX XXXX. When I applied to PSLF, Fed Loan Servicing unfortunately took over. I refinanced part of my loans with a private lender XXXX. XXXX XXXX received the check from XXXX for the payoff amount of {$77000.00} to pay off the XXXX ( non -direct loan ) portion of my student loans. XXXX XXXX cashed the check within 1 week. XXXX XXXX then forwarded the money to Fed Loan Servicing. It has been 6 weeks, Fed Loan Servicing has not posted my payment. I have called several times. They keep telling me it takes a while to process a payment. I would like someone to look into this matter. I feel they have misplaced funds. It is unacceptable to wait this long to process a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called the customer service number in XX/XX/XXXX and XX/XX/XXXX constantly and the message was, theres no customer service representative available at this time. I was blocked from access online to view my account which has never happened before, even during a modification period. I found a telephone number on the federal government Webb site which listed mortgage companies that have class action law suits filed against them under the topic, if you are having problems with your mortgage. This is the only way initially I could get in touch with someone their at PHH mortgage in reference to my modification status. 

I have received my modification agreement in the mail after informing a relationship manager via phone conversation that I hadnt received a final offer upon making my 3 trial payments as contract conditioned. I was emailed a copy the day of our phone conversation but was told I would have to return the mailed copy which has limited my time to read the contract and respond by XX/XX/XXXX considering it arrived 3 days after this phone conversation. I contacted PHH Mortgage company on XX/XX/XXXX and spoke with operator # UCRF9, ( SWATI ) to question the balloon payment in the modification agreement of {$52.00}, XXXX  that would be owed at the end of the loan even if I made every payment of {$410.00} for the life of the loan until XXXX. I explained to her that his was incorrect and we could owe this much money. She recommended I submit a written request to have the matter investigated. She stated it had to be faxed to XXXX. 

When I purchased this house in XXXX, XXXX it was for the price of {$99.00}. This was done with an XX/XX/XXXX mortgage of {$79.00}, XXXX and {$20.00}, XXXX. I filed my first bankruptcy case in XXXX. My husband and I have paid on this case since that time. When this company attempted to foreclose in XXXX of XXXX, I was sent a notice from PHH mortgage stating that we owed for some missed payments. ( {$410.00} times 4 payments ) I sent a payment in XXXX and had receipts for other payments. In the midst of trying to prove payments were sent I filed a modification which brings us here today. We were in our last months of payment with Chapter XXXX  and our case is now paid in full. We do not owe PHH Mortgage {$52.00}, XXXX. The second mortgage of {$20.00}, XXXX was stripped in our chapter XXXX case when upon several attempts to meet with the debtors from XXXX XXXX XXXX never showed for court nor a representative. The bankruptcy judge stipulated it be null and void as of the completion of our chapter XXXX case. To sign this modification agreement would be admitting to pay something that we already have paid in chapter XXXX from XXXX to XXXX and agreeing to a debt thats more than fair and owed. Considering we have had an active Chapter XXXX Case since XXXX and making payments on past due amounts, how can we owe this amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Village Capital constantly reports my mortgage loan as late when in fact its not. I have filed multiple complaints and then they reverse the credit report. Then once its time to report for the next month it gets reports inaccurately AGAIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Ive contacted Transunion on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.

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 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America offered me a cash back deal with the following description, " Offer expires  XXXX / XXXX / 2017 . Must make  two sep arate transactions with  XXXX   XXXX   XXXX  on wireless products or services of at least {$15.00} on the card associated with this offer by  XXXX / XXXX / 2017 . Your {$75.00} cash back is earned within 30 days after making your second transaction. " I made a {$20.00} transaction with  XXXX  on  XXXX , and {$32.00} transaction with  XXXX  on  XXXX  with my eligible credit card. I filed an inquiry with Bank of America on  XXXX  and they said I should see the cash back showing up as pending on my account within  5 to  7 days. As of today, I still do n't see it being tracked on my account as a pending cash back.

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 monetary relief
Consumer complaint received 2020-04-23
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, the company called my phone using a tele automated device. Leaving a phone number to contact I called the number back trying to find out who was calling. I did not give them any information but asked for their legal information. They refused to give me any information. My husband called a few minutes afterwards and the person asked him if he was calling about me. He had not revealed his name or verified any information to identify himself or me. They specifically used my name revealing personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Self Financial Inc.
State: CT
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:
I have been unable to access my account for months. I have called and been told I will get a call from a supervisor, this never happens. I am unable to make any payments or access my account at all and have been unable to for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TD BANK US HOLDING COMPANY
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 have dispute this account XXXX/XXXX  and the student loans on my credit file and it was deleted then it came back on I didn't received to verification for this account in the mail at all from the creditor or the credit bureau at all I never do and when I dispute something as fraud and I report it to the FTC all they say is account verify as accurate because they verify my name address what verification is that and I never received anything in the mail at all I submit my letter my FTC report my ID I do my part but the credit report is not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: ND
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In acordance with the Fair Credit reporting act XXXX account XXXX XXXX account number : XXXX has violated my rights. This loan was paid in full by the coverage and purchase by another lender. They dont have the right to still reporting this account anymore. In addition to that they have a remark in each credit reporting agency as " paid in full and purchase by another lender ''. Also the debt was paid in full to the next company that purchased the loan. I have tried many times to contact this company XXXX XXXX XXXX to get this incorrect information out of my credit reports, but It has been unsuccesfull since 2018.

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 2017-07-06
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Advisa Mortgage and XXXX XXXX of Texas put me in a home that they knew that my income could't cover for the VA Mortgage and home expenses and bills. Advisa Mortgage and XXXX XXXX XXXX knew that my income was not insufficient to pay Va Mortgage and home expenses and bills. As I am Divorced and living alone in my new home and been XXXX XXXX and not receiving Social Security XXXX benefits. I provide to lender my XXXX XXXX XXXX letter and paystubs in which Federal Taxes was n't been debited from XX/XX/XXXX. Lender and Builder fail to disclose VA Administration my correct XXXX Lifetime Pension income with Federal Taxes not been debited.I owed the IRS {$9100.00} and have payment arrangement of {$120.00} a month for tax debt years XX/XX/XXXX. A Emergency VA Loan Modification should be implemented immediately so I can have a affordable mortgage payments. A comfortable and less strained VA Mortgage monthly payments of {$900.00} to {$1100.00} with property taxes and home insurance will ease my financial hardship and struggles.
Lenders can implement Grants to cover for any loss and pay for all lost dividends for investors. Can First Continental and XXXX XXXX implement a Grant to give me a Grant Certificate to pay for my property taxes and keep my VA Mortgage affordable for 30 years? My close of escrow was on XX/XX/XXXX. I am XXXX XXXX and Retired .I am Divorced and live alone in my home.I do n't Receive Social Security Benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent a Request to Validate Medical Debt. I requested two specific things 1. Please provide breakdown of fees including any collection costs and medical charges.

2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. I request full documentation of what you received from the provider of service in connection with this alleged debt.

This Debt Collector failed to answer the three questions listed above. Instead they sent a vague letter stating " ARS has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( ARS ). 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. ARS has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.

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 2019-01-23
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX  in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
PENNSYLVANIA credit statues of limitations is up to 7 years and it should NOT be on the report anymore.
This acound was closed in XX/XX/XXXX. It is more than 7years.
However, they reported a wrong date, late payment was XX/XX/XXXX.
It is not correct imformation. They reported the wrong date. 
It should be fix and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Penny Mac raised my mortgage an extra {$1000.00} a month due to incompetence on there part, they stated I had two parcels when I only have one and were charging me twice for property taxes that were part of another parcel and completely different address that I do not own. I have been back and forth with the company for the past several of days and was told numerous reasons why my mortgage was increased one of them being that my property taxes had increased and another reason being that my homeowners policy had also increased. My taxes and homeowners policy have not increased, the third representative that I spoke to today called my XXXX XXXX to clarify payments that had been made and that is when they found the error that they were charging me for someone else 's parcel/property taxes and overpaid basically charging me double the amount of what my property taxes should be.I would like to  make sure that this is rectified and corrected because unfortunately I can not trust this company. I have never missed a mortgage payment and have never made a late payment and I think this is disgusting the way the treat their customers and do not believe anything they tell me, I think that they are pocketing my money and hope they are not doing this to other innocent hard working people like myself. A full investigation should be considered and done regarding this matter and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Information belongs to someone else

Complaint:
I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.

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