BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-06
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home on XX/XX/2019 in XXXX, Virginia. The mortgage company on the loan was XXXX XXXX. In XX/XX/2019 XXXX XXXX   sold the servicing of the loan to LoanCare LLC. The community I live requires an additional real estate  property tax referred to as a CDA. This additional tax is paid to the same place as the the usual real estate tax. XXXX XXXX paid the first part of the CDA which was {$790.00} on XX/XX/2019. The remaining {$790.00} due today ( XX/XX/XXXX ) should have been paid by Loancare LLC. Those payments are due on XX/XX/XXXX and XX/XX/XXXX of every year. I called Loancare this morning to ask them if the payment had already been paid. The representative did not know what I was referring to but told me that XXXX should pay it. I called XXXX and the representative there told me that I was the second call he had asking the same question. He informed me that Loancare should pay it since it is included in my mortgage. I called Loancare back and spoke to a representative name XXXX ID # XXXX. He told me that I would have to send him the bill. I asked him if I should send it by fax or email. He said fax but never mentioned it would take 48 hours which seems ridiculous. I faxed the bill and explained to him as well that the bill needed to be paid today. I called Loancare again at XXXX XXXX. to ask if it was paid. the female representative said they had just paid my taxes. I explained to her that this is an additional property tax and should be paid to the same office they paid the other taxes from my escrow account.. she said I would have to email them the bill. i told her I faxed it earlier. She told me that a fax can take up to 48 hours. I told her that the bill had to be paid today and that XXXX didn't tell me a fax could take 48 hours which makes no sense to me. I told her I was going to go ahead and pay it because I didn't want to pay a {$79.00} XXXX late fee. I asked her how long would it take to get my money refunded. She said I would have to send them the information showing it had been paid and the could take 30 days.

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 2022-04-15
Company: EQUIFAX, INC.
State: FL
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:
Good afternoon, The credit bureaus have been violating my rights by reporting erroneous negative accounts on my credit. I have been reading that the bureaus have to give me an update 30-45 days after receiving my letters in their offices, but this has not been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: TENET HEALTHCARE CORPORATION
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a copy of my credit report and there was a company that was reporting a collections. I was never billed from the hospital nor received correspondence from them indicating money was owed. I contact them directly and it was resolved. However the collection company ( Syndicated Office Systems ) continues to report a collection on my file when that is not the case. I sent a certified letter to them asking them to reach out to the hospital so that they can see it should not be listed and they have yet to respond. They signed for the letter on XXXX/XXXX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Mr. Cooper claimed to have received the only RESPA Notice of Error I have sent them in XXXX dated XX/XX/XXXX. See attached. Nationstar accepted an over charged amount for late fees of {$2800.00} and internally allocated {$11000.00} indicating an inaccurate XXXX late fee payments were made. Nationstar mailed me XXXX false outbound account reports concealing this fact in lines XXXX. XX/XX/XXXX the company 's counsel sent me by email an internal account history claiming XXXX inaccurate allocations of {$2700.00} and XXXX of {$110.00} and I verbally disputed this and XX/XX/XXXX Nationstar again sent their counsel a false claim of these lines being updated in a letter through the mail dated XX/XX/XXXX. I used this statement to rely on to govern myself through court pleadings and XXXX invalid agreements with Mr. Cooper. 
XXXX through XXXX of XXXX I requested a copy of the account history and received XXXX XX/XX/XXXX and XX/XX/XXXX that disclosed fraudulent concealment of the inaccurate late fee payment allocation that negatively impacts my ability to apply for residential lending. XX/XX/XXXX I noticed Nationstar. They unlawfully acknowledged my clear claims XX/XX/XXXX stating falsely they received the RESPA notice XX/XX/XXXX. 
Mr. Cooper as of XX/XX/XXXX has ultimately failed to claim no error exists, failed to respond within the 30 days of the XX/XX/XXXX notice or within 30 days of their claim of receipt of the valid RESPA Notice of ERror in payment allocation, leaving unearned never performed lender fees of {$2000.00} sitting in a still currently open suspense account and leaving {$11000.00} allocated toward deferred and current late fee payment when Mr. Cooper accepted an over charge without refund of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: WESTERN UNION COMPANY, THE
State: IA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Western Union claimed my friend would get the money in minutes. I did the entire process correctly and even called to verify everything and speed u the process. The lady on the line told me everything was set and the money was available for pick up. My friend waited hours then was told it was still on hold. I had tried to cancel my transaction XXXX just to be told my money would n't refund to me for 3-5 days even though it never even went anywhere to begin with! This was my first time ever using this service and my last!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in regards to original credit card XXXX account # XXXX with the amount of or close to {$12000.00} has more than exceeded the California time statue to collect since its been more than ( 6 ) years of no payment, corresponded and or dialogue. I would like that collection agency below contacts XXXX And or other credit agencies to remove this negative Mark from my credit report and or to issue to me a letter on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES IN REGARDS TO THIS DEBT. BELOW IS THE COLLECTION AGENCY THAT PERTAINS TO THIS DEBT. 

MIDLAND FUNDING ( their account # XXXX : XXXX, Ca. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
We have been paying these loans for 9 years and when you look at their information it is still at the amount we started out at 9 years ago. My father paid on these loans while he was still alive even when I was in school. I have paid for 9 years and it 's saying we have n't paid anything besides interest. We are getting hosed. They are never willing to work with us on anything. I have XXXX kids and a wife at home and work my XXXX off and ca n't afford these rates. I want someone to review this case as something shady is going on. I have seen several complaints like us and I believe something is not correctly being applied to my account. PLEASE HELP US! We ca n't afford any of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 an account on my experian credit report called Capital One Auto Finance account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact Capital One Auto which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan is with XXXX. I heard about the lawsuit and I was attending XXXX in XXXX in XXXX XXXX at the time. I wanted to know if I could help you with this. I also would like to place a complaint against XXXX I was promised job placement, I was rushed through the student loan process with very little understanding. Just told to sign here. I had to sign up online. It was all very confusing. They provided very little and now I 'm left with a outstanding debt no job to pay it back. I was wondering if I could be of any assistance toward the lawsuit against XXXX I was rushed into signing documents one after another with little understanding. Sign here, here, and here kinda thing. I feel cheated by XXXX and now they 're gone. Made millions off of people like me. I 've got a useless degree and a outstanding debt. They were the predator and I was the prey.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: The CBE Group, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017 I received communication from CBE group regarding a debt on behalf of XXXX. I canceled XXXX and was advised that even though I canceled I was charged after the cancellation. I disputed the debt and requested the verification in writing. I was denied the request to have the debt verified. The collector also told me without asking permission that my boyfriend 's cell phone would be called on an auto-dialer which is if I am mistaken is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I received a summons from merchants credit associates with 20 days to respond to XXXXXXXX XXXX XXXX before I could respond. They reported it to all of the credit bureaus and had three of my credit cards closed on me upon contacting the hospital and contesting the debt it was discovered that I was paying these things and they should not have gone to collections our direct contact was with XXXX XXXX at XXXX. And once we got the debt resolved, we asked both the XXXX and XXXX for a letter that I could send to XXXXXXXX XXXX credit card services, and to the credit bureaus, stating that this was a mistake. I have not received contact or any communication from either party ever since this was resolved on the debt collection end. However, my credit cards are still closed and the bank associated will not help me without evidence that this adverse action on my credit was in fact a mistake. I opened a complaint already with XXXX and they refuse to reinstate my credit cards without some sort of evidence that this is incorrect and I cant get merchant credit associates or XXXX XXXX to contact me back. I am incredibly disgusted by this practice you have completely put a wrecking ball through my credit, when inflation is at an all-time high, and people are already penny-pinching, and you put me in a position where I now owe an entirely separate debt plus interest upfront with a company that I was also paying consistently. Its like you guys caused me all of this grief and intend to just let me sit with it. I urge you to remember that I have been in contact with a lawyer, and if something is not done soon, I will be taking legal action.

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 2017-01-30
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Upon graduating in late XX/XX/XXXX, I entered the workforce working for XXXX in XX/XX/XXXX, right before the market and our economy hit rock bottom. On top of trying to start my career in finance during the worst financial crisis, I was having difficulty making my exorbitant payments with XXXX ( now Navient ). For 2 years, the only option they gave me was to go into forbearance and they continued to roll me into a new forbearance plan every few months ; never giving me an option to lower my payment based on my income. After reading the full complaint and learning of the rules on income based repayment plans that were rolled out in XXXX, I believe I was given bad guidance and now face excessive interest that accrued during the forbearance periods. With this new lawsuit against Navient, I realized I am one of the very people this lawsuit is looking to protect. Please help me understand my rights against this abuse and advise me on the next best steps to take against Navient. After paying my loan timely for years, my original repayment balance of ~ {$60000.00} is still greater than {$76000.00} ; 20 % greater 8 years after graduating. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this bill to XXXX XXXX XXXX and this company, Credence Resource Management, LLC, keeps calling me about it after I informed them that it has been paid. I also tell them not to call me any more, yet, they call XXXX - XXXX times a day. They have also slandered my credit with a false collection listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX overdraft fees from Wells Fargo. I am a XXXX XXXX and have been taken advantage of because of my age. I used a Pay Pal card to make XXXX purchases. I didnt realize that the XXXX card did not have sufficient funds so it was debited directly from my Wells Fargo account. XXXX transactions which incurred overdraft fees. I have never requested or felt the need to request an overturn or courtesy reversal of fees but i have no choice. I called and XXXX representatives and a manger who i requested to speak to claimed that Wells Fargo does not have any courtesy refunds for customers. I am XXXX man with little income and have been a good customer to Wells Fargo. This is an outrage! I went inot the banking center and they claimed that the banking center did not have a manager and no none could help me. Are they serious?? Please i ask that you the CFPB look into this and help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: The Receivable Management Services LLC
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Today I received a call from ( XXXX ) XXXX XXXX. The caller asked to speak with me and then requested personal information. I inquired who the person was and that the purpose of the call was ; the person stated they worked for Receivable management services. I asked if this was an attempt to collect a debt. They told me they were not allowed to tell me that. I said on the contrary they are legally required to tell me if this is an attempt to collect a debt. The caller refused to answer stating that they needed my information to verify the account before she could identify the purpose of the call. I requested contact information and she stated that she worked for the company named above, her name was XXXX XXXX and that the mailing address was XXXX XXXX XXXX in XXXX PA. I again asked if this is an attempt to collect a debt and she refused to answer. I requested a supervisor ; she stated the supervisor was at lunch. ( Call came in at XXXX which would be XXXX her time, so a little hard to believe ). I did XXXX this company and they are notorious debt collectors. I dont know if any debts Ive failed to pay so I cant think of a legitimate reason for this company to be reaching out to me. In the end though, their failure to identify themselves is a violation.

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 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am disputing comments/remarks posted on my XXXX Bureau Credit Reports. The negative comments include a foreclosure which should be permanently removed. I have attached the Case XXXX, Attorneys, Parties, Deadlines/Hearings and Docket Entries. I have also included the settlement agreement and release from property XXXX XXXX XXXX, XXXX, Texas,XXXX. According to the Scheduling Order dated XXXX XXXX, XXXX, this case was settled and closed. There was never a foreclosure, however, the loan was transferred to XXXX XXXX XXXX XXXX dated XXXX XXXX after an agreed settlement. According to the Federal Court Scheduling Order dated XXXX XXXX, XXXX, this case was Settled by the Bank of America NA, myself, and XXXX XXXX XXXX XXXX XXXX XXXX. As part of the settlement, I entered into a Cooperative Program offered by the Department of Treasury & Housing Urban Development Agency called ( Cash for Keys ). This agreement with the court entitled me to forego foreclosure proceedings, avoid eviction, and my house not being sold at a public auction. Based upon the settlement agreement I was awarded {$10000.00} and I qualified for financial assistance to help with my relocation costs. Finally, agreeing to the settlement, Bank of America was required to report that my loan was paid in full for less than the full balance. Bank of America sold this home on XXXX XXXX, XXXX, file number XXXX, loan number XXXX. XXXX XXXX XXXX XXXX sent me a XXXX and removed the remarks on XXXX XXXX, XXXX, stating this account was charged off repossessed. XXXX XXXX, XXXX, Bank of America placed a FORECLOSURE on my credit report. Finally, XXXX XXXX, XXXX, this case Ordered by the Federal District Court for the XXXX District of Texas, XXXX, be dismissed with prejudice. " THERE WAS NEVER A FORECLOSURE AND IT SHOULD BE REMOVED FROM ALL MY CREDIT REPORTING RECORDS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX, XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My rent check on my TD Bank checking account was fraudulently washed and personally cashed. The rent check is from XX/XX/2022. I filled out all the necessary paperwork with my bank and was supposed to get the funds put back in my account between 60-90 days. It has now been over 4 months. The amount was for {$1100.00} TD Bank XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Thank you

Company response to consumer: Closed with explanation