BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: ZWICKER & ASSOCIATES
State: PA
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 am a senior citizen age XXXX living on under {$900.00} a month direct deposited social security. Thats at about 80 % of the XXXX XXXX level. 

Zwicker & Associates, P.C. ( Ph : XXXX ) filed a claim against me on behalf of XXXX XXXX  in the Court of Common Pleas in XXXX XXXX PA in XXXX of XXXX. I received the paperwork around the beginning of that month. Arbitration is scheduled for XX/XX/XXXX at XXXX XXXX. 

The claim is seeking {$4700.00} of which {$2500.00} is interest. The account was closed in XX/XX/XXXX. Interest continued to be added from XX/XX/XXXX until XXXX of XXXX. From about XX/XX/XXXX to XXXX or XX/XX/XXXX this account was in Debt Consolidation with ____ca n't remember company name__. It became a hardship after making payments of {$180.00} a month from XX/XX/XXXX to XX/XX/XXXX. At this time I canceled my agreement with______ to move my debt to XXXX XXXX XXXX as they were able to lower the monthly amount. I was advised to stop paying on my credit cards so they could negotiate with the credit card companies. I was able to actually pay off some of the credit cards that I had at the time. But that too became a hardship and I calculated how long I would be paying so I canceled my agreement with XXXX and negotiated on my own and paid off two of my cards. 

I contacted XXXX to try to negotiate with them as they were listed on the collection letter I received and was told that they would only be able to accept {$290.00} a month for a year. I had one check debited from my account in XXXX of XXXX and was unable to continue without severe hardship. So I canceled that agreement. I did speak with someone and told them I could afford {$50.00} a month but there was no further conversation on the part of Zwicker to set up a plan I could afford. My complaint is that I tried to settle my debt in a manner that would not leave me with financial hardship and they refused what I could manage. It would be a greater hardship if I am also saddled with arbitration fees. 

PA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: NY
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:
the following accounts appearing on my credit report do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CCB/FOREVR21  Account Number : XXXX This is not mine. 

6. Identity Theft CB/VICSCRT  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 

8. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: NY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I borrowed a number of federal loans for my doctoral program through XXXX XXXX approximately {$150000.00}. After I graduated from my doctoral program my loans were sold to Navient. Today Navient is saying I owe more than {$400000.00} ( I only graduated in XXXX ). In the detailed statements the original principals have been increased by over 60 % in which they are now calling unpaid principal. My required monthly payment fluctuates every month despite the fact that I am on an income-based repayment plan. When I have called and asked about this they say they are late fees and service fees ( they ca n't tell me from when ). Since I began repaying my loan after graduation I have never had a late payment. Navient has also auto-adjusted my interest rates to as high as 8.5 %. A couple days ago I read the news about the class action law suit against Navient and I am interested in finding out how I may get help to resolve this abuse of student loan repayment plans. I have a paper copy XXXX XXXX statement from Navient that cites my unpaid principal as {$160000.00}. However today when I go to the website in the statement they have from the exact same period of XXXX XXXX they cite the unpaid principal as {$200000.00}. I am including copies of both these for your review so you can see how they have retroactively manipulated the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Gatestone & Co. International Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm receiving calls every day and multiple times a day from the following number, XXXX. Back in XX/XX/2019, I answered the call and told them to take my number off their calling list as the person they asked for was unknown to me. The woman told me she would do that. The calls stopped for a few months but have now started up again for the past two weeks, non-stop. Today at XXXX, I answered. No one spoke and they hung up. I called the number back and only get recordings saying they are XXXX XXXX, a collection agency. I'm unable to leave a message or speak to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
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: Information belongs to someone else

Complaint:
fcra violations see the ftc : remove : all on it please and the accounts attached to it : XXXX  XXXX XXXX {$13000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.

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 2021-07-01
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my HomeDepot Credit Card and then returned the product. The return was processed late on the credit card for some reason and I got to have a balance due to a late fee. The card is charging me a late fee OVER a late fee for a product that I returned. 
It is a very bad integration between THE HOME DEPOT and CITI CARD. 
I am extremely disappointed as I had a good perception of the HOME DEPOT. 
Now, not related to the problem here, THE HOME DEPOT does not accept returns without receipts or if you get the same card. I am an Atlanta-based consumer I am thinking about only buying at XXXXXXXX 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 monetary relief
Consumer complaint received 2016-10-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a XXXX year old XXXX study loan with XXXX XXXX. Navient is apparently the legal name that now administrates it. I have not received a bill in several years. Nor do I receive confirmation of payment. I quit paying it in XXXX of this year because I had no idea what was left owed or if I was dumping money into a black hole somewhere. I thought I would get a statement in the mail if payment was not made. Nothing happened. The loan was turned in for collection due to default. 
Upon checking my email I discovered Navient sent me several emails - but none of them are statements. Even if they had - I did n't sign up for email billing. Apparently the Navient process is for you to sign up for an account and view statements online. I 'm very familiar with online accounts - but was not noticed nor did I opt in to paperless billing or billing via a website somewhere. 

I 've contacted Navient to have everything sent by mail going forward. I was told that was not possible. I 'd like to pay off the remaining balance, but I do n't intend to pay penalty interest on late payments for an invoice I never received, which is all of them. 

I will contact their ombudsman program. 

Interestingly, my neighbor had the same issue with Navient last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent XXXX XXXXXXXX an Accord & Satisfaction offer for the FULL amount of the account listed. The 15 days expired for the deadline for the objection to my offer for the settlement. Based on XXXX XXXX non-objection to a 15-day restrictive endorsement notice, on XX/XX/2020 I included the settlement payment of {$1000.00} for account ending XXXX, and {$450.00} for account ending XXXX. XXXX XXXX agreed to the following : Once XXXX XXXX receives the payments of {$1000.00} and {$450.00} and upon endorsement of the checks in the amounts for {$1000.00} and {$450.00}, XXXX XXXX agrees to satisfy the debt on the above account. 
Upon payment XXXX XXXXXXXX, agrees to delete any negative items being reported to all Credit Reporting Agencies within 30 days and send me written notice of such deletion : and XXXX XXXX, will update the reporting on the account as PAID AS AGREED, with no late- payments or derogatory comments whatsoever, within 30 days to all Credit Reporting Agencies. 
In addition to the above terms, XXXX XXXX, must cease all collection or legal activity on the extinguished account noted above, unless debtor goes over 90 days into default on this Accord, which would render it null and void. 
XXXX XXXX endorsed, cashed/deposited both checks in the amounts listed above, but has not held their end of the Accord. They are still reporting negatively to the credit bureaus as well passed the accounts over to collections. All of which are in breech of the legal binding agreement we have in place. I have reached out to the company every month since XX/XX/2020 but to no avail. I have also disputed with the credit bureaus, submitted all documents to support case, but they have done nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan serving was transferred to OCWEN Home Mortgage effective XXXX/XXXX/XX/XX/2014. From this date OCWEN has not paid my property taxes from escrow on time. I have spent hours on the phone with them to ensure that my property tax is paid. Taxes have been due XXXX times since they took the loan servicing and each time they have been late and/or required significant effort on my part to pay the bill correctly. It appears that they do not know how to : transfer the funds to the correct place, track the funds, ensure the funds were received, or readily provide me with proof that the tax payments have occured on a specific date for a specific bill ( such as with an account transfer record number ). They also keep asking me to confirm my property 's Lot and Suffix number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen loan servicing has not given a account statements monthly ( none to date ) falsely reports on my credit report and is keeping payments in suspense. Multiple contact with this company in ref to these items, goes unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) Phantom fees on payment history from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX totaling {$1500.00} need to be explained and refunded. 
2 ) Forced place insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX was {$2500.00}. It was reversed on XXXX/XXXX/XXXX after 3 months. Three months of payments should have totaled {$640.00}. I was refunded {$1700.00}. The difference between what I was charged and what I was refunded is {$130.00}. 
3 ) Ocwen unfairly and incorrectly assessed the value of my home. I had an appraisal completed in XXXX XXXX and the value was shown as {$85000.00}. When I requested a payoff in XXXX XXXX I was told that a new appraisal needed to be completed. The second appraisal came in at {$230000.00}. I disputed the {$150000.00} in 3 month appreciation and it took until XXXX XXXX for another appraisal to be completed. The third appraisal came in at {$170000.00}. 
4 ) I was incorrectly charged shared appreciation of {$7900.00} as a result of the delay with the appraisal. The shared appreciation should have been {$0.00}. {$170000.00} - $ XXXX {$85000.00}. I submitted {$180000.00} of receipts for capital improvements. Ocwen accepted {$63000.00}. I am requesting that Ocwen honor the XXXX XXXX XXXX XXXX XXXX amount of {$48000.00} that was paid by Ocwen out of my escrow account. This would have resulted in a {$0.00} shared appreciation. 
5 ) There were to loan payoffs which were requested starting XXXX XXXX XXXX. I was not able to get a semi accurate payoff until XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: OneMain Finance Corporation
State: LA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: M&T BANK CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
M & T Bank has made multiple errors in processing my mortgage loan, loan # XXXX. I 've already filed XXXX complaint which they responded to, case # XXXX. However, when I disputed their response they ignored that dispute and the complaint is now closed. I need them to correct their mistakes as stated before and show that the mortgage is up to date. We have been paying as agreed since the mortgage was modified in XXXX 2014.

Company response to consumer: Closed with explanation