BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I requested repayment plan based on income and never gets processed i am struggling with XXXX loans and need assistant asap. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: NY
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:
The bureaus have not updated the account to reflect " paid in full as agreed '', " never late '' despite the fact I provided a copy of a check that stated the before-mentioned status which was then deposited and cashed by the creditor and hence legally considered an acknowledgment and agreement by both parties.

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 2022-11-13
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Loan no is XXXX for XXXX and XXXX XXXX. I am getting collections and threatening letters from XXXX XXXX regarding unpaid taxes. I have not missed a payment and my XXXX XXXX have filed a judgement against me for unpaid property taxes. I have written and called XXXX XXXX regarding this and also sent the notices that XXXX XXXX have sent me. Per XXXX XXXX. They have sent invoices and statements to this mortgage company and have not received payment. Now, they are threatening me and file a judgment against me for unpaid taxes. 
My payments are up to date, Why arent they paying my taxes?

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 2016-07-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got my load mod and I have made XXXX installments for the trial period. They have a sale date on XX/XX/2016. The lady that is handleing the case said that if I made my payment by the end of the month so I can get the money to made the payment for the trial period. I talked a other person and they said that we need to make the last payment before XX/XX/2016. how can we get a XXXX in one week. I just made the XXXX payment of XXXX and that take all the money at i had. can you help in stopping they for the sale date. we have gotting the notice of sale..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Thank You for your help, i have a account with bank of america. I knew my balance was low so on tues XX/XX/XXXX i checked my account on line at XXXX it was ok, so i headed to work i start at XXXX i am a XXXX so the time i checked my account was on wed XX/XX/XXXX at XXXX i seen that the bank had charged me {$35.00} for not having insufficent funds ( - {$6.00} ) i called the bank and i explained that i checked my account on XX/XX/XXXX at XXXX i explained to garret the supervisor what happened that the bank was closed from XXXX to XXXX a total of 15 hours common sense would tell you this is not right i told him that he should refund my money because i was not given enough time to correct the problem he refused..

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 2022-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EQUIFAX XXXX. With intent shared private and protected information about cosumer information that XXXX XXXX. is aware of that via FEDERAL LAW XXXX HAD BEEN TOLD BY THE CREATION OF XXXX XXXX. XXXX AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/XXXX - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/XXXX. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. " COMPANY RESPONSE STATED- Company 's Response- The account has been returned to XXXXXXXX XXXX XXXXXXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHOULD SEND TO THE CONSUMER, AN ORIGINAL DOCUMENT ON ORIGINAL COMPANY LETTERHEAD THE WRITTEN STATEMENT TO THE CONSUMER AND APOLOGY FOR ALL WRONG DOING ON BEHALF OF THIER CLIENT - XXXX XXXX XXXX XXXX - AS WELL AS THE RETURN OF ALL ORIGINAL DOCUMENTS FRAUDULENTLY TAKEN TO INVADE MY PRIVACY WITHOUT CONTRACT, " WET SIGNATURE, '' FRAUDULENT VALIDATION TO ACT AS A THIRD PARTY OR PRETEND TO FALSELY CLAIM THEY WERE ATTORNEYS XXXX VIOLATION OF FDCPA, FEDERAL LAW, & DTPA PLUS THE CRA VIOLATIONS/ DEFAMING & IMPACTING CONSUMER 'S CREDIT SCORE WITH INTENT WILLFUL AND NEGLIGENT COMPLIANCE TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Collectibles Management Resources
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.

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 2016-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Multiple times i have tried to dispute a collections mark on my credit. First of all experian used to display that the collections mark would be off in XXXX or XXXX. Now it doesnt say that any more and the mark is still there. But i have given many reasons in my disputes including this as well as errors in the dates of the collection report and the collections agencies failure to locate the case with my social security number which they ask for on the phone. Experian has only given me vague dispute conclusions that say the collector is valid ; but thats it. No details perraining to my dispute. Im not even sure they looked into it. And to top it off experian went ahead and updated the collection report to todays date as opposed to 2019 which it had. So i can thank them for the extra two years of delinquency on the report. Not.

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 2016-09-23
Company: Credit Service Company, INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Under Investigation of the New Mexico XXXX XXXX, the State has Frauded, Scamed and Made Theft of, a XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently a co-signer on my sons Sallie Mae loan. I have filed bankruptcy due to financial issues and it has been XXXX. Sallie Mae loan was not included in the discharge. I have setup a modified payment plan with Sallie Mae that they offered as assistance. I accepted and am currently making the payments, however they are still reporting to the credit bureau as late or missed payments rather than reporting on a modified payment plan. Although my bankruptcy is a major negative to my credit score, how can I work to improve my credit with Sallie Mae reporting each month as if I am not paying at all. I am on this modified plan for next two years so how are they helping me by reporting as such. It appears that reporting in this manner continues to hurt the consumer that is trying their best to comply with terms even during hardship. I would like for Sallie Mae to report that I am paying rather than missed or late payments. My financial situation has not changed and yet I agreed to do my best to make some type of payment each month to keep it from going into default yet Im still being penalized by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.

Company response to consumer: Closed with explanation