BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-02
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, for the second year in a row, says that I have an Escrow shortage of {$1000.00}. That Escrow shortage was supposed to have been taken care of and factored into my Loan Modification from two years ago. Last year at this time I filed a similar complaint. The company called me in response to my complaint and factored it back into my loan modification arrangement and spread the payment of that shortage over a few years. I do n't know if they are going to try to do this every year. I made enough payments this past year to cover payment of my homeowner 's insurance and property taxes. This is the second year they have tried to squeeze out an up front payment of the supposed Escrow shortage that was a part of the loan modification that went into effect over two years ago.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have attempted to reach out to Santander in reference to balance showing owed. I have yet to receive information reflecting current balance. This account has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While trying to call Navient to issue a CORRECTED 1099C - they are currently giving me a runaround, hanging up on me, or reading off a script which does nothing but waste time. 

I co-signed many student loans for my XXXX children and other relatives. Navient sent a 1099C to the IRS and as of today - CAN NOT tell me who or which loan is involved. The IRS is now involved. I've tried several times to speak with the Navient Escalation team to rectify this. 

Today, in speaking with a Navient Escalation team member first told me she could not tell me WHO the borrower of the loan was, then proceeded to tell me it was for my daughter, then later in the conversation said my son 's name. When I questioned her on this, she denied saying my daughter 's name. She then read off the address that she claimed the 1099C was sent to and it was the wrong address. When I pointed this out to her, she denied reading off the wrong address. She then said she would 'RESEND ' the 1099C and then quickly she hung up on me. 

So, I'm am now VERY concerned Navient is going to CREATE and send out 1099Cs willy-nilly and impact more people. 

What's odd about this whole thing is that according to my research - Treasury Regulation SEC. 1.6050P-1 ( 7 ) - states that for purposes of filing, 'a guarantor is not a debtor ' - it differentiates between those who get the benefit of a loan and those who guarantee its repayment. 

Also, both my children SETTLED their loans with Navient and are debt free. 

If there is a class action lawsuit against Navient regarding incorrect 1099-Cs sent to the consumers and the IRS - I would love to join it. Seriously ... 

Students can apply on-line and get in debt for hundreds and thousands of dollars easy-peasy but Navient can't seem to support the after affect. 

Why do they continue to get away with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I start attending XXXX XXXX XXXX XXXX XXXX College fall XX/XX/XXXX and continue to spring XX/XX/XXXX. I completed the In school Deferment Request for both semesters, yet Nelnet continue to bill me while attending school. I paid on my school loan during my deployments, when I did not have too. Do not understand way Nelnet is ignoring my request for deferment. I must return to school because I need to obtain more education to increase my chances of obtaining a better paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: NY
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 have noticed that the credit reporting bureau, Equifax has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with XXXX XXXX, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with Equifax and provided copy of my credit card statement with XXXX. It still hasnt been removed. Equifax is doing shady business practices. I havent had these issues with any other credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: BARCLAYS BANK DELAWARE
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had an XXXX credit card for over seven years and have never been late. They were with XXXX bank and switched over to Barclays Bank ( XXXX XXXX XXXX ) in XX/XX/2021. I was not aware of the switch over and didn't receive their card until XX/XX/2021. When I realized the switch over I went online to see what was going on and discovered they were showing a late payment. I called them ( Barclays ) immediately to get it straightened out. They said there were glitches in the switch over apologized for the error, removed late charges and assured me that a late payment would not be reported to the credit bureau. Today I checked my credit report because I received notice from XXXX that my credit score had dropped considerably ( XXXX points ). When I checked my report I found that Barclays had reported a late payment for the month of XXXX. I pride myself in always being on time with all my payments and have never been late on any payment in over 20 years. I called Barclays on XX/XX/XXXX at XXXX a.m. and they would do nothing to help me. I believe their reporting practices should be investigated. Please review my credit report which will show you years of on time payments.. Thank You for your help.

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 2022-04-08
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:
My issue is with Experian Credit Reporting agency mishandling my credit file in particular XXXX XXXX XXXX and XXXX XXXX.Both these accounts were removed back in XXXX and XXXX due to identity theft..However, both accounts were reinserted in XX/XX/XXXX without notification..The FCRA requires credit reporting agencies to notify consumers in writing 5 days prior to reinsertion of previously deleted accounts..I never recieve notification, which is a violation of federal law in regards to credit reporting..I have sent several certified letters to Experian with no response..There blatant disregard of the law undermines the integrity of the credit reporting system..Creditors rely on accurate and true information on a consumer file..The forementioned accounts were deleted several years ago due to fraud, I sent both credit reporting agency and creditors police report as well as identity theft report FTC..I also asked for documentation with my signature/ consent that I have done business with these companies..I never recieve such documentation from either Creditors not credit reporting agency 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 explanation
Consumer complaint received 2021-06-12
Company: Chime Financial Inc
State: NY
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 have noticed that the credit reporting bureau, XXXX  has been doing unethical practices when updating my credit score and credit information on my credit report. No matter the changes or update to my credit accounts they will decrease my credit score by 75 points without reason. It is not logical to think every infraction or change to my credit report warrants a a 75 point decrease. In addition to that, I am constantly from XX/XX/2021 to now, disputing a former address that is not mine. Despite the fact that I have provided a copy of my drivers license and had the address deleted it keeps reappearing. Thirdly, I have a secure credit card with Chime bank, a.k.a XXXX XXXX, XXXX. Whatever spending I do on that account is covered by my balance in my checking account. Ive never carried a balance yet they have reported a balance of {$14.00} and even after the XXXX and XXXX statement showing no spending activity and a XXXX  balance, it still remains on my credit report. I have disputed with XXXX  and provided copy of my credit card statement with chime. It still hasnt been removed. XXXX  is doing shady business practices. I havent had these issues with any other credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Essential Lending Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have made several attempts to call and speak to someone and after waiting in their queue the call drops. Ive set up appointments for a call and I dont get a call back. Ive sent them emails like it says in their website and automated system and of course no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. Someone stole and used my personal information and obtain a state drivers license with my picture on the license and with a date of birth of XX/XX/XXXX and opened up a fraudulent and unauthorized checking and money market savings account with Bank of America. I was incarcerated at the time the fraudulent accounts was opened. Please review attached documents. My date of birth is XX/XX/XXXX. The checking and savings account that was opened in my name with Bank of America is fraudulent and unauthorized.

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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX 2017, I contacted XXXX XXXX XXXX in XXXX, Md. to inquire about getting a mortgage for my first home. After reviewing my credit score, asking about my income and my down payment amount, the loan officer said that I 'd need to work on my credit score before they 'd be able to offer me a long. The issue was my credit utilization. He told me that if I took care of that right away, my score should shoot up very quickly and I 'd be able to look for a home. 

I immediately paid all my credit cards to zero and got back in touch with the Capital One loan officer. He said that it would take a while for the credit agencies to reflect my new credit utilization, but that we 'd keep checking. It took about 30 days, but my scores had improved by about 80 points, which the loan officer told me was more than sufficient for me to buy a home. He issued me a pre-approval letter for {$420000.00} and I began looking for my home. 

I found a home on which I wanted to make an offer, which was significantly less expensive than my pre-approval amount. I was soon under contract with the purchase price of {$360000.00}. I contacted my loan officer and immediately provided him with all the documentation he needed to confirm my income and my down payment. Every piece of information I provided to him was exactly as I told him ( income was accurate, funds for down payment were accurate ). However, a few days later, the loan officer informed me that the bank would not be able to finance my mortgage. There was no clear reason for why, he just said the combination of my income, credit score, etc could n't work. The frustrating thing about this is that, if this were the case, the bank should never have told me they would give me a mortgage and issue a pre-approval letter. Nothing changed from the time they issued the letter to when I went under contract except for the fact that I was asking to borrow about $ 60k less than they approved me to borrow. 

The pre-approval letter lists qualifications they need to check for full approval as satisfactory appraisal and title report, verification of income, assets and other information, and no material changes to your credit or financial situation. I provided information to verify my income and assets, which were exactly as I stated in order to get the pre-approval in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: 360 MORTGAGE GROUP LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been in an active review with my lender since XX/XX/XXXX. There was no active foreclosure sale date every set, as I was told proceedings were on hold. The lender requested additional documentation around XX/XX/XXXX to where I then came home to a notice of sale on my front door. I do not understand why there is now an active foreclosure sale date without my lender resolving my issue, or at least providing a decision first. I do not believe they are following guidelines and as a homeowner I have my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Tues XX/XX/XXXXXXXX XXXX1 REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS 180 PAST DUE as of XX/XX/XXXX. THERE ARE MORE THAN 50 NEGATIVE ITEMS LISTED ON MY CREDIT FILES BY CREDIT ACCEPTANCE CREDIT ACCEPTANCE HAS A REPUTATION OF RUINING CUSTOMER CREDIT WORTHY. This car was PAID OFF by XXXX, I NEVER RECEIVED A LETTER FROM CREDIT ACCEPTANCE FOR MORE THAN A YEAR OF ANY BALANCE. WHEN I CHECKED MY CREDIT FILES, I SAW A HUGE BALANCE OF OVER {$9000.00} THIS CAR 'S VALUE IS LESS THAN {$5000.00} AS OF TODAY. HOW DID CREDIT ACCEPTANCE ARRIVE AT THAT RIDICULOUS BALANCE OF {$9600.00} FOR A CAR WHICH WAS TOTALLED AND PAID OFF THIS MATTER HAS BEEN REPORTED TO THE Attorney General 's Office in CA and ALL other Customer Reporting Agencies in the United States. CREDIT ACCEPTANCE obviously has not learned their learn from ALL the Lawsuits filed in State of Massachusetts ... .and the more than {$25.00} MILLIONS they were asked to pay for the BAD BUSINESS PRACTICES ..... 

You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 
It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX Insurance for which your Company received a PAYOFF in the amount of {$7600.00}. 
Claim Reference # XXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Your derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally XXXX ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) XXXX XXXX Inability to obtain a reasonable Interest Rate on a Car Loan XXXX ) Inability to obtain a Mortgage Loan XXXX ) Inability to obtain ANY KIND of Credit Card XXXX XXXX Inability to gain employment ( Executive Level position ) due to Low FICO Score XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my FICO Scores a. I have attached copies of my Emergency Room Visits and the related Costs XXXX ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT

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 2021-03-08
Company: Sequium Asset Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was first contacted by XXXX in XX/XX/2020 about the remaining balance owed. I disagreed with that amount as I had returned the equipment and felt it was {$200.00} higher due to that. They noted the system and I asked for an updated billing statement to reflect that amount. I never received it but did get a collection noticed from Sequium Asset Solutions , LLC for the full amount. The date on the letter was 30 days old when I received it so I contacted them inquirying. They advised that the total about was {$420.00} which again I shared what happened and they stated to call XXXX again. I did this and they acknowledged that it was noted and would send to that company. I never received a phone call, another letter and forgot about it until an email sharing my credit score dropped 57 points and a collection was reported. 

Called today and paid the amount I felt was due and they advised that no other calls, letters were warranted and that I would have to dispute with XXXX on getting it removed from my credit report. 

Account # XXXX Sequium XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a validation letter to Bullcity financial solutions on XX/XX/XXXX to get validation and verification of this debt reporting on my credit report. I have no known knowledge of this company and realize this is a third party collection agency. The original creditor XXXX XXXX has violated my rights under HIPAA. I requested for documentation with my signature saying i agreed to pay this debt and i have not received validation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Cell phone : XXXX Office : XXXX Email : XXXX Office : XXXX On Sunday XX/XX/2019 I received a called from an 800 number, I answered, and they said it was BEST BUY CREDIT regarding a past due balance, I was not aware of any charge on my BEST BUY CARD. 
After spending about an hour and speaking to 5 different people we finally identified the {$21.00} charged on my account. On XX/XX/2019 I made a purchase online and I chose to be pay with the available credit on the account, it looks like they charged me {$21.00} even though I had more than enough credit to cover the full purchase price. As of today, XX/XX/2019 I still have a {$95.00} credit for purchases on Best Buy, I still don't understand why I was charged if I had {$95.00} of credit available. 
I never received a statement or a past due notice from best buy, also when I attempted to access the online account I was blocked from the system, ( I have access now ). After identifying the transaction, I paid the {$21.00} and a {$26.00} fee in order to bring my account to current and XXXX balance ( even though I didnt agree or authorized the charge ). I made this payment on XX/XX/2019 with a debit card, I was assured the balanced on my account was current and {$0.00}. On XX/XX/2019, best buy reported my account as having an {$86.00} past due balance. I contacted BEST BUY today and I was told they will notify the three credit bureaus that my account is current as paid as agreed, but I honestly don't have much hope they will do it unless I filed a formal complaint. I am sending copy of the {$95.00} credit on my account and the {$0.00} balance on my account.

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 2018-12-03
Company: First Advantage LNS Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.

Company response to consumer: Closed with explanation