BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred to Option One showing a refinance 30 yr. in the amount of {$100000.00}. We never agreed to this in XXXX. 
I have been in contact with XXXX XXXX XXXX Consumer Account Analyst at the Consumer Ombudsman office at PHH Mortgage. The last conversation I had with him was on XX/XX/XXXX and he stated they were still working on it and he would send me a letter when it is completed. The Pandemic hit and I knew they were closed. I waited until XX/XX/XXXX and called his office, there was a message that he was working from home, but I could not understand what he was saying to reach him. I did call the main phone number and spoke with a representative, she would not give me any email or phone number for him but said she would send an email to the office of Ombudsman. I waited on the line while she did this and I was assuming that she was referring to the office there at PHH Mortgage, she told me I should be hearing back within 10 days, this occurred on XX/XX/XXXX. I also mailed Mr.XXXX  a letter on XX/XX/XXXX, thinking that he may check in for any mail. 
So at this point I am at a standstill.

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 2019-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX continues to call and harass me about a debt owed by my ex-wife, XXXX XXXX ( XXXX ) XXXX. We have been legally divorced for 17 years and I have no contact with her. Apparently this relates to a XXXX 's credit card debt that she incurred but never paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: TX
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 notice some negative items on my credit report and sent a dispute to the 3 CRA ( XXXX equifax, and XXXX ) on XX/XX/2020 about the inaccurate items -- most of them are items that are more than 7 years old and needs to be deleted asap, the rest are incomplete and inaccurate items that needs to be deleted as well. Neither of the CRAs has responded to me concerning the inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On/about XX/XX/2020 I refinanced {$100000.00} in private student loans with XXXX XXXX, previously held/services by American Education Services ( Account # XXXX ), resulting in a negative balance of ( {$2200.00} ). 

On/about XX/XX/2020 American Education Services ( AES ) issued a credit/refund in the amount of {$2200.00} to XXXX XXXX, who is not the account holder, nor associated with the account in any aspect. 

I contacted AES via website inquiry about the refund of the negative balance as was informed that checks were sent to XXXX XXXX. I then contacted AES via the website chat feature and was informed that AES policy is to issue the excess payment back to the payer. That language is not written in any of the loan documents for those loans serviced by AES. AES states that XXXX XXXX will credit the balance of my new refinance loan, but that language is not written in the loan document between me and XXXX XXXX. 

In addition, AES confirmed that the total amount refunded is {$2200.00} ; which is ( {$6.00} ) less than the actual negative balance then on the account of {$2200.00}. 

I am lodging this complaint to ensure this money is accounted for, and moreover, that AES has fraudlently refunded money ( and witheld some portion of the refund for their own gain ) from an account to someone other than the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
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: Account status incorrect

Complaint:
I HAVE A COLLECTION FOR XXXX XXXX  AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,

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 2018-11-20
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Loan was made in XX/XX/2008 for {$8200.00} current balance is {$8500.00} we make the payments every month {$100.00} it seems that it will never be payed off. the interest rate is 11.75 % variable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 at XXXX XXXX, I received a voicemail from a woman identifying herself as " XXXX '' from Quicken Loans, my mortgage lender. In her message she specifically identified herself as a " debt collector '' and said that she was attempting to collect on a debt and that any information I provided would be used to that end. She then advised me to call XXXX and choose option 3 to speak to a member of her team about this matter. At first I thought I was being phished, as Quicken Loans sent me an email just this week informing me that my mortgage payment for this month cleared on XX/XX/2018. However, when I retrieved my mortgage statement to contact the company directly, I noticed that the customer service number on the statement matched the one that was left on the voicemail. I called Quicken Loans this morning, XX/XX/2018 at approximately XXXX XXXX to clarify what this was about. I spoke with a representative named XXXX XXXX who informed me that although her records showed one of their staff had indeed called me yesterday, her records indicated that the purpose of the call was to get me to " provide feedback '' on my Quicken Loans experience which, up until now, had been extremely positive. She confirmed that my account is current and that there is nothing in her records indicating that I have ever missed or been late with a payment. I told XXXX that I did not approve of these deceptive practices regarding my finances and that I wanted to file a complaint. She asked if I wanted to have their researchers investigate the matter and I said yes, but said that unless they had recorded the original encounter then they would be wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In reference to my complaint number # XXXX I add as addendum the following ( 1 ) The Bank of America notification of denial for HAMP modification options and notification 45 days for me to move to forced short sale is based on the fact that the property is a rental and I do not live there as my primary residence. However according to the the government, the Home Affordable Modification Program and National Attorney General and Treasury Dept Settlement terms in addition to my medical bill burdens, " Owners of rental properties and homeowners burdened by XXXX expenses are now eligible for mortgage relief under a new expansion of the Home Affordable Modification Program ( HAMP ). '' " Changes announced by the Treasury Department extend eligibility for the mortgage loan modification program to several categories of homeowners who were previously ineligible. Along with owners of rental properties, the new guidelines expand the program to include homeowners with heavy debt burdens from medical bills, XXXX liens or other debts separate from their primary mortgage payment. '' ( 2 ) The bank letter further references designating an income for me of {$5200.00} for me but does not provide detail, breakdown or analysis of how this amount was calculated by the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: EQUIFAX, 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 advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. Bankruptcy Dismissed Ch XXXX Acct XXXX, XXXX, XXXX ( XXXX, Equifax and XXXX ), XXXX XXXX Acct XXXX ( Equifax, XXXX, XXXX  ), XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX  ), XXXX  XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( equifax, XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I received an alert from XXXX XXXX that my credit score dropped by 47 points on my XXXX report. I had no major changes on my accounts ( even during the holidays ). After carefully examining, I realized that Capital one had reported me 30 days late. I called them and explained that I moved in XXXX and that I have NEVER had any issues prior to this. I admitted my mistake and requested for them to remove this information as a goodwill adjustment. They initially stated that they couldn't remove it. I asked to speak to a supervisor who initially told me the same thing, and explained that he never encountered this situation before. After twenty minutes on the phone, he suggested that I contact the credit bureau and dispute it. I questioned the validity of his information since the credit bureaus will only report what Capital one reports. The supervisor, XXXX suggested that I send the request to the credit dispute department which I did, but I did not receive any response or solution to my request. I have this account since XXXX of 2016 and I have NEVER been late. I had such a good payment track record with Capital one that I even have car financing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have initiated contact and accepted calls from Navient to discuss resolving my school loans. Previously, all of the loans were supposed to be on deferment because of the Covid situation and me losing my job. The loans went from being covered entirely to only one specific loan. The few times I called I was given the run around and the customer service rep was only focused on how I would be paying my bill for the month. No assistance whatsoever. Again, this is me initiating the call. Between the months of XXXX to now, XXXX, I receive about 40 calls PER DAY from Navient. I am not even counting the emails that are sent. The company calls from different phone numbers, from all around the nation. I know because I have picked and spoken to a few and I have googled the numbers. Numerous complaints from people. It is beyond harassment and its frustrating to not even be able to receive calls because they are taking up the line. HELP!! Something needs to be done about this with this company. If other companies can not do this, why does Navient feel like they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions Inc.
State: NC
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:
I contacted on XX/XX/21 Expeian about there response to the cfbp they submitted, experian said they do not know who responed to cfbp ( XXXX ) is the dispute agent with experian. I ask XXXX if he has the letter from XXXX XXXX he said yes, I need to get XXXX XXXX on the phone to have them to say to remove the bankruptcy off of my credit report that the letter they have is not enough to remove it off of my report. XXXX also said to get XXXX XXXX agent on the line to ask them to remove the bankruptcy, the agent said he would not talk to XXXX XXXX.Lady from XXXX XXXX disconnected her line and then the agent from experian hung up on me. Experian has broke the consumer reporting law. I at this point I will seek Legal Aid with my concern, I can not go to work with the county in my state with this bankruptcy on my experian credit report.

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 2021-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
All the credit bureaus, XXXX Equifax andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}

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 2018-11-20
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: Account status incorrect

Complaint:
I HAVE A COLLECTION FOR XXXX XXXX AND XXXX XXXX XXXX, I DO NOT OWE THESE COMPANYS ANY MONEY, THEY CAN NOT PLACE A DEBT ON MY CREDIT THAT SHOULDNT BE ON MY CREDIT,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: PA
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/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX  XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid

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 2019-01-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. 

The CFPB claim on XXXX XXXX XXXX asks XXXX to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. 

The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. 

In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation