BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-10
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Navy Federal Credit Union raised my interest rate on my vehicle and changed the payment. The paperwork that I signed was for a totally different payment and interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This DRS account with a balance of {$450.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collection company. They are hurting me financially and this is a really big issue. To my understanding, they must comply with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have acquired my information and are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage Services/ XXXX XXXX XXXX XXXX To whom it may concern, Upon running title on XXXX XXXX XXXX XXXX XXXX NY XXXX it has been brought to my attention that XXXX XXXX XXXX PHH Mortgage Services has never had ownership or assignment of the current Mortgage or Note on this property in XXXX  XXXX name and has been collecting and servicing this loan. 

I also have ownership on this property, XXXX XXXX Attached is XXXX XXXX legal guardians authorization as well as title search for me to discuss this issue with your legal department ASAP. XXXX XXXX. 

Attached please find title search reflecting this fact.

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 2017-06-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
One girl contacted for renting my room from the ad of XXXX that i posted. She sent me a check for XXXX dollar for rent + processing of her car transfer from XXXX. And after receiving the check i deposited it and after one day the amount was posted in my account and i transferred the money to the above account according our discussion. But after one day when my money transfer was completed, she put a hold on the check and my check was returned and the whole amount was deducted from my account. After that i contacted her and she said i needed to XXXX XXXX dollar to some other account and i didnt have the money. She force me to send XXXX dollar at last saying that after i sent this XXXX she will withheld the hold, so i did that transaction to another account. But now she is n't responding. And the whole amount was deducted from my account. I complained to the bank, they were n't ready first time to take the complaint. After that they tooka complaint and gave me a reference number. Bank even didnt notify me about the pending process in time and didnt take my request to hold the online money transfer.

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 2017-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been trying to have all information removed from my credit many are paid off and others I have no clue whom they are. Ive reached out to theses companies and neither would provide me with anything about these debts. They 've called me harassing me as well the credit bureau refuse to verify these companies. Ive dispute with the credit breau over and over and nothing has happened.     Account Name :   XXXX   XXXX   Account Number :   XXXX Account  Name :   XXXX   Account Number:  XXXX  Date:  XXXX    Balance   : {$450.00}   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   XXXX   Account Number:  XXXX   Date :   XXXX   Balance : {$610.00} Address :   XXXX   XXXX   XXXX   XXXX   DE   XXXX   XXXX   XXXX   XXXX   XXXX   Date :   XXXX   Balance :  {$740.00}  Address   :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX   Account Name :   XXXX   XXXX   Account Number :   XXXX   XXXX   XXXX   Date : unknown Balance : {$450.00} Address :   XXXX   XXXX   XXXX   XXXX  MN  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CrossCountry Mortgage LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I received Loan Estimates and Initial Closing DIsclosure 's showing that the Lender of Cross Country Mortgage was collecting 7 months of Property Tax Escrows. At Closing we were informed that the mortgage company changed this to 5 months and proceeded to move on with signing the documents in the file. On XX/XX/2022 I logged into my mortgage company to check something and I noticed my payment increased from {$3400.00} per month to {$3500.00} per month. When reaching out to the subservicer on the website and loan officer I was informed that they failed to collect a 2 month cushion. The mortgage lender is blaming the title company but the mortgage company is who generates the FINAL Closing Disclosure, not title. In addition, the mortgage company is supposed to review documents prior to disbursement and should've caught this issue then as well. Now I am being charged and additional {$1800.00} for this issue. I do not feel as though because the mortgage company closed this loan with this issue I should be bearing the brunt when XXXX  does not require a 2 month escrow cushion. 

While I understand that escrow payments can change, this is far from a change, this is lack of oversight of the mortgage company and the closed the loan WRONG. 

Had I never logged into this account the notice for me would've been less than 15 days from payment date to cover this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my 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 non-monetary relief
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX is an old account that has been on my report displaying negatively.

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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name  : XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I brought a car from a dealer and I pay credit acceptance XXXX every month for that car. I have had the car for only 3 months. The transmission for the car is not good and my car is now in the shop. Before I put my car in the shop, I spoke to the person that sold me the car and she said it had warrant to contact credit acceptance. I spoke to a lady name XXXX from credit acceptance and she said they could help to just get a estimate for the car. Then crier acceptance calls back and says there no warrant with the it's only with the dealer. The dealer is not at the location I brought he car they closed down. The phone number I have for them she answers then hangs up. I have no car and credit acceptance is not trying to do anything to help. They just want me to keep paying them and I don't even have the car to drive which is messing up my credit if I don't pay them. I have ask credit acceptance to locate them or give me the number they have and it's the same number I have & the same number on XXXX. I just want somebody to help me because this is unfair for my first car I only drove it for 4 months transmission should be messed up so fast. I paid over XXXX already between the car insurance and putting money into the car. If I don't have the car I don't think I should be pay XXXX for 4 years with no vehicle.

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 2022-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was being held by XXXX XXXX  and was deferred by the COVID Relief legislation passed by the US Government. after 18 months, we began the process of repaying our loan, and filing the paperwork to go through the legally allowed steps to move our deferred payments to the end of our loan period. At the same time our repayments started ( XX/XX/XXXX ) and the loan modification paperwork was started, our loan was transferred to Carrington Mortgage. We paid our payments every month as they tried to transition our payments and modification paperwork, and every month when we called they told us they were still trying to get the paperwork straight. In summer of XXXX I was in an automobile accident and my car was a total loss, so I went to replace my car. At that point, I was told my credit score was so low I did not qualify for a car loan. Without time to deal with tracing why and how, I bought a beater car. in XXXX, I went to pay my mortgage with Carrington and they told me I had over {$700.00} in late fees. The representative could not tell me what they were for. They claimed it looked like they had been there since before they took over my mortgage. The credit score the car salesman had pulled up said it looked like I had a foreclosure on my credit report. I assumed it was something to do with the transfer of my loan but had not had the chance to deal with taking hours of my day to deal with contacting a labyrinth of financial bureaus while working two jobs. by the next month, we had tried to make another payment but Carrington applied our payment towards the late fees we didn't owe and told us the only way to contest the late fees was to pay them, contest my credit score with all three credit bureaus, and send a letter to a po box with my credit reports, and wait 30-60 days for a reply. Today, when we had made a partial {$80.00} payment last night and clicked " pay towards principal '' in the app, they took all back fees and payments ( totaling over {$1500.00} ) they claimed we had owed out of the bank account, and refused to believe there was an issue with the app, overdrafting our bank account. 

When I pulled my credit report last night with the three credit bureaus, I discovered that it was Carrington that had misreported my payments as late up until the beginning of summer XXXX, as much as 180 days late. This would explain the XXXX point drop in my credit score, and the {$750.00} in late fees they are claiming we owe. We have never been late with a payment with them, ever. 

Every time we have called we have gotten a different story and have been put off to a different date with a different reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For account  XXXX   XXXX   XXXX  I submitted timely all documentation to perform my annual recertification  for REPAYE , but FedLoan has refused  to process the paperwork. Instead they billed my closed bank account without my approval multiple times for over a  XXXX  dollars. I have lost at least  one  month of timely payment while working in the   XXXX   XXXX  , and they have confirmed that no one has even begun to work on my request nearly a month after submitting it. I reached out to the servicer multiple times, including their office of consumer advocacy, but they do nothing for me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase seems to be systematically trying to save money at the expense of their cardholders ' credit scores. I  have a  ( 1 ) Chase Freedom card and an ( 2 ) Amazon Prime [ Chase ] card and my wife has a different ( 3 ) Chase Freedom card that I am an authorized user on. Three times in the last 6 months my wife and I have been  notified that we were delinquent on our credit card payments and the reason is that we never received statements. Why did we not receive statements? Because, as Chase said to me over the phone in  XXXX   2017   ( I think ), I must have signed up for Paperless Statements on my Amazon Prime [   Chase ] card. I explained to them that the way I do my monthly bill payments, I MUST have a paper statement sent to me and that I would have NEVER EVER agreed to or signed up for paperless statements. Next came my wife 's Chase Freedom card  which we were informed had a delinquent balance in  XXXX  or  XXXX  of  2017 . Same ca ll to Chase, same response from Chase. No w today,  XXXX   XXXX ,  2017 , I received a text from  Chase about MY Chase Freedom card being delinquent. Same call to Chase, response from Chase rep was that he did not understand how it could be possible that I was switched to paperless statements without my approval because that was the only way ( to his knowledge ) that one 's account could be switched from paper statements to paperless. Coincidence? ... ..three times? I do n't think so. Th is is fraudulent and I hope that CFPB can do something about this. CONSUMERS BEW ARE OF CHASE 'S FRAUDULENT BUSINESS PRACTICES. I 'M SURE THAT I AM NOT THE ONLY ONE THIS HAS HAPPENED TO AND THAT I AM NOT THE ONLY ONE WHO HAS MADE A COMPLAINT ABOUT THIS. CHASE DESERVES TO HAVE A CLASS ACTION SUIT FILED AGAINST IT ON BEHALF OF THE CONSUMERS WHO 'S CREDIT SCORES THEY ( CHASE ) HAVE ADVE RSELY AFFECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Galaxy Capital Acquisitions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was already brought to court, at the time I could not pay the debt and the judge had advised the debt collector to settle for {$1000.00} of the debt. The debt collector denied the amount and the judge said I didnt have to pay anything back due to my low income. Years later, the debt collector sent me a letter asking for my updated employment information to garnish my checks. I, however, am not currently employed and was under the impression this debt had been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made repeated complaints on the same issue for the last 5 years on XXXX XXXX XXXX XXXX ( XXXX ) and Experian. It has been much work for me because I was being ignored and I need to be a squeaky wheel to get anything done. Both companies unlawfully accessed my credit report without permissible permission in XX/XX/2017. I have repeatedly requested the valid permission they used to access my report and they both refuse. XXXX company had this permission. Experian passes the buck to XXXX to protect themselves and XXXX then labels all complaints as duplicate and nothing gets accompllshed with their game.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.

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 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.

Company response to consumer: Closed with explanation