BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX ( XXXX ) is currently assisting the above referenced client to review a legal matter. 

We would like to bring a matter to your attention regarding the Keep You Home California ( " KYHC '' ), Reverse Mortgage Assistance Pilot Program ( " RevMAP '' ). As you know Reverse Mortgage Solutions Inc. ( " RMS '' ) has agreed to participate with this KYHC program. Please find the attached KYHC website printout which confirms that your company does in fact participate with the RevMAP program. Further, the KYHC website confirms that in order to be considered for the RevMAP program the customer must contact their servicer to initiate the application. 

That said, on XX/XX/XXXX, the client and I were in contact with both the RMS Customer Service Department and the Asset Management Department. Regrettably, our call was transferred several times and was disconnected. Finally after numerous attempts we spoke with XXXX which identified herself as a Single Point of Contact in the Asset Management Department. We requested that an application for the RevMAP program be initiated as was required. XXXX did not know anything about the program, and did not escalate the matter to a supervisor. XXXX advised the client and I that we needed to initiate the process with KYHC. I note here that I have spoken with KYHC and they confirmed that the application for RevMAP must be initiated by the servicer. After speaking with KYHC we again were in contact with XXXX, and spoke with XXXX who informed us that we needed to contact XXXX XXXX in order for the application to be considered. XXXX then attempted to transfer the call to XXXX XXXX but instead disconnected the call. 

Please let this letter serve as a written request to initiate the RevMap Program application for my client. The XXXX request that you provide a list of documents that will be required for the application to be considered. Enclosed you will find a request for mortgage assistance application and supporting documents typically provided for a mortgage assistance application. If any further documentation is needed please contact the client or I directly at the below telephone number. 
The XXXX request that the Foreclosure process be cancelled or postponed to allow this review to be complete, and to avoid any and all duel tracking on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Navient Solutions, LLC.
State: MN
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:
In XX/XX/XXXX, I logged into Navient to pay my student loan bill the day that its due which is the XX/XX/XXXX of each month, but it stated that no payment was due. Checked again a day later and it still stated that no payment was due. Checked again a week later and still no payment was due. I logged in yesterday to make a payment for this month ( XX/XX/XXXX ) and I not only had XX/XX/XXXX payment to pay, but also now XX/XX/XXXX payment finally showed up as a late payment and now I have to pay for both months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Ceannate
State: IL
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been trying to get FMS to work with me to help me repay a loan which I believed was still with my original lender, XXXX XXXX, on deferment but to no avail. Finally, the head of the call center, XXXX XXXX, agreed to set me up on a payment plan of {$5.00} per month if I would send a signed letter to them confirming I have XXXX people living in my household. I let him know I would not be filing taxes for the fourth person as a dependent, but he assured me my signed letter would be enough, and I would have no further issues with a payment plan. I went to make a payment of {$50.00} like I have been the last few months and was informed my minimum payment was {$83.00} a month because I have XXXX people living at my house. I was already assured by XXXX I was approved for {$5.00} per month. Now I am being told otherwise. I keep trying to reach XXXX to fix it, but he seems to be avoiding my calls. I am afraid they will start threatening me with litigation or wage garnishment even though I did everything they asked. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Upgrade, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I opened an account. I deposited a {$100.00} check via the mobile app. A few days later I transferred {$10000.00} from another bank account. 10 days later they suspended my account and will not give me my funds. They want my to provide a w-2 form plus a copy of my tax return. I dont want to provide this information as this is a new bank and Ive had identity theft in the past. Also, in all my years of banking Ive NEVER had to provide a tax return and a w-2 to open a checking account. I just want my funds and my account closed and never do business with this bank again. Had they not opened the accounts until I provided this information I would have not opened the account and would not have sent them my money. Ive tried to contact the bank several times and they are not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe any of these depts. In several months, every month, I have tried to dispute the bad reports to XXXX credit report agencies, and they all got removed. However, the next month, WEST ASSET MANAGEMENT keep adding the same debts on my credit reports. It wastes me a lot of time and frustration to file the disputes with XXXX agencies every month. The called me threatened mem and abused me for the dept that I did n't owe. I did ask them to spell the name and date of birth and they all were clearly not mine. I told them the dept is not mine, but they still put it in my credit reports every month anyway. 
I belief their stragety is to bother me to the point where I will feel so frustrated and I will pay for the depts I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit card was used to open this charge card in this consumer credit transaction. Through the use of my credit card, Capital One is repeatedly getting paid through my credit that is tied to the treasury account with the United States which is a corporation. This charge card is already paid for. This is a credit transaction but Capital One is continuously requesting cash payments. I sent Capitals One a cease and desist demand letting them know that 1. I do not owe this debt and 2. That they stop communication with me through all mediums as its my right under the Fair Debt Collection Practices Act, 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: CITIBANK, N.A.
State: MO
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:
Citibank put a hard count on my credit report and I have never reached out to them for credit. This put a negative mark on 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 explanation
Consumer complaint received 2021-09-28
Company: Dovenmuehle Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sold property XX/XX/21 mortgage paid in full. Debit from escrow account was logged XX/XX/21. Check had not been received as of XX/XX/21. After contacting XXXX XXXX mortgage servicing division I was told the check was mailed by one representative and that I must wait 30 days before requesting a replacement, the next representative claimed the check had not been mailed yet and would take up to 60 days to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX-XXXX-Balance {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When accounts are reported as being sent or sold off to a debt collector, they are considered to be in " collections. '' This usually occurs when a creditor is having difficulty collecting payments on a debt. A collections account will typically stay on your report for about seven and a half years from the date it first became late. 

According to this statement " seven and a half years from the Date it FIRST BECAME late. Applies to me in this case

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
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:
Portfolio Recovery Associates is reporting a debt/ negative account on my credit report. 

I sent them a letter ( attached ) certified mail that was received on XXXX/XXXX/2015 ( attached ). In my letter I stated that this debt does not belong to me and I also enclosed a copy of my drivers license and social security card ( attached ), to show that it does not belong to me.Since I know that I have never opened anything with XXXX XXXX. I asked them to verify the debt instead of doing such they responded by telling me, I never responded to their previous letter that I send additional info and they are now closing my dispute? ( attached ). Which I never received such letter. 

1. The debt does not belong to me. 
2. I sent this company proof of who I am. 
3. This company did not respond to anything I asked in my letter or take the time to verify the debt instead they close the dispute?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: FL
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:
Sallie Mae sold my student loans to XXXX. When this happened my Sallie Mae loans were transferred to XXXX, so I then sent payments to XXXX. However, on ALL of my credit reports XXXX companies are reporting on the loans and on late payments. So rather than having XXXX late payment for a student loan, I show XXXX for every late payment I have ever had. This DOUBLES the number of late payments on my credit reports which is completely inaccurate. I do not think it 's fair that Sallie Mae and XXXX can both put marks on your credit from the exact same loan. I want this fixed. There should only be XXXX company capable of reporting on the student loans. Allowing XXXX companies to report to the bureaus on the exact same loans makes for inaccurate reporting and greatly impacts my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I recently divorced. Our mortgage loan was XXXX of our names. I was awarded our home in the divorce settlement. I have been trying to refinance the mortgage in my name only with my local credit union. Our current mortgage is with Sovereign Bank/Santander. Ever since Sovereign Bank bought our Mortgage from another company, we have been having problems with them. I took over our mortgage payments in XXXX of XXXX. My ex-husband had been paying them previous to that. My ex-husband 's last payment was made on XXXX XXXX, XXXX. He was up to date on all payments and had not missed a payment up until that time. He did not give me the financial information to start making the payments myself until the middle of XXXX of XXXX. To make up for the payment due in XXXX, I made XXXX payments to Sovereign Bank to make up for it, XXXX on XXXX XXXX, XXXX and XXXX on XXXX XXXX, XXXX. From that point on, I have made every payment on time and in full. However, Sovereign Bank keeps charging me a late payment fee of {$28.00} each month because they claim that I am missing a payment somewhere, but can not show when the missing payment was. I have a printed copy from them showing each payment from XXXX XXXX, XXXX through XXXX XXXX, XXXX and a copy of my ex-husband 's and my own bank records showing our payments and neither show any missed payments. They also show a fee called " Conversion Unknown '' with a code of XXXX for {$740.00} on XXXX XXXX, XXXX. I have no idea what that is. I also get a fee with the code of XXXX or " Unapplied Funds '' that they have n't explained and another code of XXXX that is n't explained on their list of " Transaction Codes ''. I have tried to access their online mortgage services that I have previously used to contact them and for the last four months the site says that they are experiences technical difficulties and ca n't respond. I have had

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
Consumer complaint received 2016-11-02
Company: BB&T CORPORATION
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone rings, they leave NO message. I have caller ID so I know the company that is calling me. It is portfolio recovery. Their phone number is XXXX XXXX. I have not talk to anyone as I do not know who this company is. I have no idea why they 're calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being harassed by a 3rd party who bought a debt from XXXX XXXX the company whos harassing me is mcm midland credit management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: DE
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We have a second mortgage on our home with PNC. Our first is with XXXX XXXX XXXX. We applied and received a loan modification from XXXX XXXX XXXX. Then we applied and were denied a loan modification from PNC. We appealed the decision and were denied again. Each time we asked to understand their basis for the denial and they refused to provide us with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, We have a loan w/ HSBC and have been making payments since XXXX 2005, our original loan amt at that time was {$19000.00} and it is currently {$20000.00}. I have had to pay XXXX dollars in fees. I had paid the fees then told there were more, after review the new fees were removed. I wanted to see if there was someone that could review our acct as we are not understanding as to why our balance has in fact gone up. We feel that this loan is impossible to payoff. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asset Acceptance is a fraudulent company that has bought consumer information and falsely reports incorrect information to the credit bureaus. The number listed is for Midland Funding. When calling the number listed, Midland Funding states that they have bought Asset Acceptance and they do n't show an account matching my social and name. Asset Acceptance has several numbers that goes to a voicemail and ask you to leave a message. The one time I did reach a live person, they said the computers are down. They do n't have a physical address only a PO Box . I have NEVER received any correspondence via mail. The only contact has always been reporting on my credit and my efforts to track this company down. This company is a nightmare. I need to get this resolved and removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: LA
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:
I contacted the XXXX XXXX XXXX in an effort to verify that the information being reported on my credit report was accurate back in XX/XX/XXXX. I have sent several letters asking for proof ( with my signature ) that the amounts they are requesting be verified. They have sent letters back and included an e signature on a promissory note. They garnished my income tax last year and this year. This years garnishment was done in XX/XX/XXXX which totaled {$6900.00} I just pulled my credit reports on XX/XX/XXXX and they are still showing that the balance that I owe DOES NOT reflect that anything was paid towards the balance. In other words prior to XX/XX/XXXX my balance that they said I owed them was {$12000.00} and upon pulling my credit report on XX/XX/2018 the balance still shows that I owe them {$12000.00} which is incorrect. As of today XX/XX/XXXX I logged into my debt summary for the XXXX XXXX XXXX  and it shows that I only have a total of {$6200.00} in student loan debt. This inaccuracy on my credit report is causing a drastic problem with my scores and I need them to report accurately and remove this debt totally from my report!

Company response to consumer: Closed with non-monetary relief