BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: Village Capital & Investment LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to remove my FHA mortgage insurance and my mortgage company is denying my request. My wife and I bought the home in XXXX and FHA streamline refinanced in early XXXX. The loan was sold to XXXX XXXX shortly after the refinance. This year, I made a large principle curtailment payment of {$9500.00} on XX/XX/XXXX to reduce my Loan to Value ratio below 78 % and sent a request for XXXX  to remove the mortgage insurance via USPS on  XX/XX/XXXX. Within the month, my loan was sold to another company ( Village Capital & Investment, LLC ). I sent my first request to Village Capital ( via USPS ) to remove the mortgage insurance on XX/XX/XXXX and did not receive a response from them. I called their customer support in late XXXX and finally received a response via USPS letter dated XX/XX/XXXX that said my loan to value ratio was currently at 81 %. I called them again on XX/XX/XXXX and spoke with someone in the escrow department who ( incorrectly ) tried to tell me that loan to value ratio is calculated on the starting mortgage principle amount, not the value of the home at original purchase. As requested, I sent an email followup to the escrow department on XX/XX/XXXX to refute that claim and to tell them that the FHA connection printout they provided had an incorrect " Unpaid Balance '' ( it didn't include the principle curtail payment ). I have called several times since then and either I can not get ahold of the escrow department or don't get a return correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Navient Solutions, LLC.
State: IL
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:
Navient does not have a record of payments made between XXXX and XXXX. They suggested contacting Federal Student Aid about the matter. FSA sent a letter indicating that " the last federal student loan reported is a FFEL Program Consolidation Loan that is paid in full as of XX/XX/XXXX. The loan is now in forbearance and Navient claims I owe around {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been struggling for 2 years with this company. I'm a single mother of XXXX boys and can hardly pay my bills. I took a loan out XX/XX/XXXX in amount of {$5400.00} as of XX/XX/XXXX I have paid back {$6800.00}. That is my principal loan amount plus {$1300.00} extra they have made on interest. I have offered them a settlement to settle this account. I offered {$800.00} paid in full, making a total paid back my full principal plus {$2100.00} gain to there company. That is a gain of 40 %. I find that to be a very fair offer. They wont even consider trying to help and take that over XXXX and settle. They would rather someone loose everything. I'm very interested in finding or seeking a lawyer if they do not as well as filing a complaint with the state. I at least have paid my loan in full plus over XXXX they made in interest. They shouldn't be able to do these predatory loans in Missouri, they currently have a suit against them for doing illegal stuff with Virginia! People who are desperate and do not understand, nor did they actually go over the full loan details when I took the loan in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
- capital one secured credit account opened in my name, it was closed with a XXXX $ outstanding balance, I never opened that account I knew nothing of it until I started receiving mail about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Medical Data Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems is attempting to collect a debt for XXXX Hospital in XXXX TN when Insurance has already paid over XXXX dollars for what? I was told by the XXXX tech  the XXXX XXXX  all three were unreadable because the machine malfunctioned and was told my XXXX wasn't XXXX but because when they tested it in the past it was XXXX  as well it was okay ... does that make sense? Sounds like a lazy Dr. To me. I later had to have XXXX  XXXX  replaced in my XXXX  they missed it. I was there for 3hours they charged XXXX this is Gross over charging. And further more they turned me over to the debt collectors without contacting me Absurd

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 2021-05-20
Company: Experian Information Solutions 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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 

1. The status is incorrect for the following account XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX please delete it Credit Bureau is refused to respond on my letters, they do not investigate and just sent once to me letter saying that account was verified and updated, even thou nothing was verified.

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 2021-05-20
Company: AMERICAN EXPRESS COMPANY
State: MA
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've sent dispute letters to American Express on 3 different occasions via certified mail through the United States Postal Service. All have been delivered and signed for on XX/XX/2021, XX/XX/2021 and XX/XX/2021 with receipts from the USPS certified mail. The reason is for a dispute that they are reporting inaccurate information on my Credit Reports and failing to state or mark that my dispute inquiries are being disputed on all my reports. By law, they are supposed to mark the report as being disputed and they have failed to do so with any of the certified communications that I have sent them that were signed for in the dates listed above. By not following the law and marking my report as disputed or sending verification, it needs to be removed from my Credit Reports. Thank You, I've tried to resolve this with the company and ask for validations, but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my consumer credit report I noticed several fraudulent and inaccurate accounts.

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 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: GA
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX  XXXX and there are some inquiries also that are not mine XXXX XXXX  XXXX, XXXX, XXXX XXXX. XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX.

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 2019-08-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I opened up a new credit card with Citi Bank over a month ago. I already have one card with them, and I opened the new card with all the same info ( name, phone, address, etc ) Now, after 6 weeks and hours on the phone and online chat with them, I still haven't received the card. I pulled my credit report and the card is being reported on my credit report to all the bureaus, even though the card is not yet activated and I have never received the card. Is that legal?

One customer service rep today said the card has been returned to them as returned mail twice for wrong address. After an hour on the phone we finally discovered that Citi has a different zip code than is listed on my online profile and account. However, they still haven't changed the zip for me, even though it goes to a nonexistent address. They keep saying the will call me back, but fail to do so. At this point its been over a month, the card is on my consumer credit reports with all the bureaus, and I have no access to it. It doesn't look like I'm ever going to get the card in the mail, and I literally can not get anyone from customer service ( either online, fraud department, customer service department, new account opening department ) to follow up with me and fix the issue. It just seems absurd that no one at Citi is able to fix a Zip Code error that is only showing up on their end. I even tried to just cancel the card, but they said I can't because it isn't showing up on my online profile yet ... because I haven't activated it yet.

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 2020-09-09
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX  XXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C. Systems has reported and posted to my credit that I owe {$550.00} for a XXXX  bill. I contacted XXXX  and they stated the amount owed is {$320.00}. I have called both XXXX  and I.C. Systems multiple times since XX/XX/2020 -today XX/XX/2020 trying to get the correct balance updated so the debt can be paid. I.C. Systems have yet to make any attempt to update this amount.

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 2020-11-21
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have received multiple notices from Kramer and Frank, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX over CC debt through XXXX XXXX for XXXX XXXX XXXX. They keep sending me letters and I have sent them the standard cease and desist letter twice! I am XXXX due to mental illness. Multiple diagnosis. They are making it hard for me to get by. Their reference file # XXXX. I earn no money. I live on XXXX. Their letters are making me feel weird and I need your help. If

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is against Specialized Loan Servicing, SLS, this is what is going on : We have paid this debt in full, and have actually overpaid them at this time. They continue to send us letters stating that we owe more money, even outrageous amounts of money that we never even owed. They will not settle the debt or close our accounts, we have made all payments, and I will show a breakdown of all payments below. 

If you look up Specialized Loan Servicing on XXXX, and on the XXXX XXXX XXXX, you will find many complaints against them that are the same as ours. 

We have all of our bank statements, and the statements from SLS, that show what our debt was, and what we have paid. We have paid them in full, the total starting balance of the debt was, {$39000.00}. XXXX made two large payments to them after they began threatening to foreclose on our home. This has been going on since last XXXX XXXX. 

Here is a breakdown of the debt and the payments we have made : ( I will also attach documents to prove this ) Original date - XX/XX/XXXX - amount owed to SLS - {$39000.00} First payment - XX/XX/XXXX - amount payed - {$17000.00} Second payment - XX/XX/XXXX - amount payed - {$7000.00} Third payment - XX/XX/XXXX - amount payed - {$1200.00} Fourth payment - XX/XX/XXXX - amount payed - {$660.00} Fifth payment - XX/XX/XXXX - amount payed - {$660.00} Sixth payment - XX/XX/XXXX - amount payed - {$5000.00} Seventh payment - XX/XX/XXXX - amount payed - {$9100.00} Eighth payment - XX/XX/XXXX - amount payed - {$200.00} Ninth payment - XX/XX/XXXX - amount payed - {$510.00} Tenth payment - XX/XX/XXXX - amount payed - {$85.00} Eleventh payment - XX/XX/XXXX - amount payed - {$56.00} So, when you add up all of our payments - we have now paid Specialized Loan Servicing - {$42000.00} - more than the debt originally owed. 

Please see the attached documents below, from our bank - XXXX  XXXX XXXX - and from the XXXX  and of course SLS. 

Thank you for your help with this matter. Please contact me if you have any questions or need more information. 

Sincerely, XXXX XXXX XXXX XXXX

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 2023-05-16
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt of {$1800.00} from DISCOVER BANK was transferred to a debt collection law firm by the name of XXXX XXXX XXXX in XX/XX/XXXX. I have called multiple times to discover who has always transferred me to the law firm for discussion concerning the debt since the law firm XXXX XXXX XXXX now handles the debt. 

XXXXXXXX XXXX XXXXXXXX the law firm handling the debt have refused to discuss the debt with me. They keep saying " The account is on hold and they can not discuss the details of my debt at the moment. '' This has been going on since XX/XX/XXXX and till now they refuse to discuss the debt with me. I have asked for a letter of debt validation from them but they keep forwarding it to discover to do their job for them. This has messed up my credit further and has prevented me from receiving credit for any amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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:
Equifax continues to report an account with XXXX with a balance of {$40000.00} since I only see it on XXXX XXXX it does not report an account number. It shows I was an authorized user which I was unaware of anyone placing me on this account. This is not mine and it should not be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Continental Finance Company, LLC
State: MS
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 contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them XXXX. I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.

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 2020-09-03
Company: Experian Information Solutions Inc.
State: SC
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 check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX

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