BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-16
Company: Selene Holdings LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our home mortgage was transferred to a company called " Selene Finance '' located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Texas XXXX, XXXX, XXXX XXXX. XXXX. 

In XXXX 2020 there was a bad hail storm and we had alot of damage to our roof which required replacement. We contacted our insurance company, XXXX XXXX, who began processing our loss. We contracted a roof construction company, XXXX XXXX XXXX XXXX, XXXX. 

We arranged a construction date and notified Selene Finance of our situation. We then paid the roofer the initial deposit. Because the second check was made payable to my husband and myself AND Selene Finance, we signed the check and sent it for Selene 's processing which we eventually was able to give the new Selene Finance check to our roofer, but we did not receive the final payment for the roof at this time. We requested final payment based upon inspection of good/complete work done. 

To date ( XX/XX/2020 ) we have not received final payment and our roofer still has not been paid for the final payment XXXX {$7500.00} XXXX. We know XXXX XXXX paid Selene Finance on XXXX XXXX, 2020, for this amount, but Selene Finance will not release these funds to us. We have tried and tried to communicate with Selene Finance but we are told " the check is being approved '' which has been going on for over a month. No one seems to be able to help us expedite payment to our roofer. 

We appreciate any assistance you may offer to help us complete this transaction. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022 I have contacted XXXX, XXXX and Experian several times about the inaccuracies on the Dept of EDXXXX XXXX and XXXX that are being reported. Also there is a problem with the days being reported late.

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 2020-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
A debt buyer continues to re-age and park a debt on my credit bureau report. The debt is 6 yrs. Old and the debt buyer never notified me regarding collection and could not send documents supporting old debt. You can not take a old debt and re-age it to make it appears as currently delinquent. This has caused me credit problems I can get housing and this is years old. XXXX  refuses to remove it and allows the debt buyer to report it monthly as delinquent. No pmts were made on acct. For over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XX/XX/XXXX-XX/XX/XXXX I went to a for profit school for XXXX. The school lied about their success rates with the students who were actually working. Once done with the schooling I was to start paying my loans back after 6 months. I was never given any licenses except for XXXX. When applying for jobs I was over looked because i had no licenses. I was lied to about getting my pell grants which were supposed to go to my loans to help lower them. In the end it was never applied to the loan amounts. Navient has ruined my credit. I cant go back to school with this loans on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to control an Equifax credit freeze. 

Equifax 's online account continually fails to allow logins, problem has persisted for more than a week. Website does not give reasons for the error. 

Website does not let me unfreeze my credit report. Phone validation takes far too long and does not work. They want my documentation faxed or mailed, which is wildly insecure or prohibitive in COVID lockdown. 

Therefore, Equifax are failing to provide me with an appropriate credit freeze service, and are limiting use of the service through artificial barriers. 

This is completely unacceptable when the other agencies have their XXXX together and can have my freeze handled in seconds. This is rank website and security incompetence. Equifax let me place a freeze, let me unfreeze it. 

Most recent interaction was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter asking for validation of debt. I asked them to provide a breakdown of fees including any and all collection cost and medical charges. To provide a copy of my signature with the provider of service to release my medical information to them. 
They only sent me a letter stating they represent such company and verified the information with client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to XXXX and Transunion I have late payments on my XXXX XXXX account for the month ( s ) and year ( s ) as follows XXXX XXXX XX/XX/XXXX. I spoke with a representative in XXXX of XXXX at XXXX XXXX and had an agreement to where if I payed what I owe all derogatory remarks for the time frame mentioned above would be marked as payed on time. I payed as agreed and the derogatory remarks was not updated. I made a dispute and nothing was done. I got back on track with on time payments. XX/XX/XXXX my daughter was murdered on her birthday. I fell into XXXX and could not make payments due to funeral fees and XXXX. I reached out to XXXX XXXX in XXXX and explained my situation and asked can we make a payment agreement. I was offered a high amount to pay that I could not pay at the time which XXXX XXXX was aware of and they continued to report derogatory remarks on my credit report. Then Covid hit and I lost my job.They had no sympathy for the hard time I was facing. the information on this account is inaccurate therefore it should be deleted.

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 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XXXX XXXX, I visited Wells Fargo Bank, to applied for a FHA loan for a Modular Home. I was referred to XXXX XXXX, for a mortgage loan. He sent a link for me to do the application on line. I completed the questions for the loan and submitted it to Mr. XXXX. 

Once he got the paper work, XX/XX/200, on line and checked my credit through XXXX XXXX, credit bureau he called and told me they do not finance Modular homes. First of all why did he check my credit if they did not finance those type of homes ( Modular ) When I question him about checking my credit, he stated I did not tell him what king of home I wanted. That was not true, he is saying I can just walk in to Wells Fargo Bank FHA and say I want a house and you don't ask what kind of house are you looking for. 

His supervisor, referred me to Ms. XXXX XXXX, to investigate the case, she states a called would be returned to me on XXXX, I tried to call her before that date to give further info I saw on line. she did not return a call, only on XXXX I was given another date on XXXX, no info. 

I ask for another supervisor, he stated that I cancelled the loan, that's not true, why would I keep calling to get a loan. Then Ms. XXXX called back on XXXX, states she will call me back on the XXXX, of this month. The company in SC, called XXXX XXXX, they have a customer from Texas, Wells Fargo bank buying a home at this same co. that only sell these kind of homes. I went to this bank because they are a FHA, bank these homes are FHA Also there is a handbook on line with Wells Fargo Bank, FHA for this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened up an account while on vacation in XXXX and purchased 2 watches. If I paid in full prior to the promotion ending, I would not have to pay any interest to XXXX XXXX-Comenity. I paid my account on time the entire time and sent out my final payment that was due on XXXX XXXX, 2019 the same time as I had in the past if not even earlier because I was off of work and did all my bills during XXXX break. For some reason they are claiming that it didn't post to my account until XXXX XXXX, 11 days pass due the promotion. When I first spoke to Comenity-XXXX XXXX, the agent had asked me when I sent out the statement, my answer to her was, I would be lying to you if I knew the exact date when I had, why would I remember that, how would I be able to answer that question??!! So, I said to her well for sure by XXXX XXXX, I don't know but I always mail my bills out for sure at least a week before they are do as always. She said ok, and with that information the investigation was completed and because I said XX/XX/XXXX, and again I stress, I repeated over and over again, that I did not know for sure and just said XXXX XXXX the latest when she said she needed to know a date for the investigation. Well, they determined that I did not give enough time to get there on time as I had in the past so I was now past due over {$2000.00}. I then sent a certified letter telling them that I wanted proof that my final payment was delivered late by the post office and not by XX/XX/XXXX. I received no explaination, no person to talk to etc. just numerous, I mean numerous calls a day harrasing me for the past due finance charges, I again explain the story and they always maintain that it was my fault and since I can't prove when I sent it I have to pay the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was denied the option to any sort of repayment plan. I had spoke with Navient multiple times about financial hardship, and the only options I had were pay what they wanted or deference. I have also had issues with payments being processed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
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:
The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: DISCOVER BANK
State: WA
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:
I have tried numerous times with Discover to take out my payment within a decent time. They take up to XXXX days and have taken longer to take out my payment. I have had stellar payment history, even though the pandemic. As soon as I moved to XXXXXXXX XXXX I have been having problems with them taking my payment out. They keep saying it is because my bank has not confirmed that they can take the payment from my account yet, when I call my bank they tell me they haven't received anything from Discover. That has been the back and forth. I live paycheck to paycheck right now due to XXXX and have not been making the money that I used to be making. Taking XXXX days to take out a payment does not work for me, plus they have never done this in the XXXX years I have been with them. This has resulted my account going negative and shutting the card off. Another factor is I could only pay XXXX dollars on my card this month. They received the payment and it was taken from my bank account but ( originally XXXX, - {$140.00} ) and now that the payment processed and went though I am now at XXXX, - {$170.00}. That makes XXXX since to me. If I pay something, usually its supposed to be subtracted from the total not added. They will not help me nor, send the collections payment to someone else so I can pay this off. It has affected my credit score drastically since dealing with this and can do nothing for myself. I am drowning as is with XXXX and having to move cities just to stay afloat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had my mortgage loan through Bank of America since XX/XX/XXXX. The loan was for mortgage only not including escrow. The escrow has always been paid by me.. In XX/XX/XXXX I paid my taxes in four installments I was on my last quarter when Bank of America decided to make the last payment at the same time I was paying it. The city took the Bank of America check and they returned my check. I right away called Bank of America as to why they had done that and they apologized and said that if I pay the fourteen hundred something back to them that they would take away the escrow from account. I continue to paid my original {$700.00} mortgage payment and paid off the escrow they had paid. But they continue to add the mortgage and escrow, I had called them to see what was going on as to why they were still adding the escrow amount to my account when I have always paid my escrow on my own they could not give me answer. I still continue to just pay the {$700.00}. This past year I paid the full amount of the taxes in full four thousand something to the city. I called Bank of America to take off the escrow amount out of my account that I had paid the city the escrow.They had asked me to send them a copy of the receipt which I did. Then said they will take it off and from now on I would only paying the {$740.00} this started XX/XX/XXXX. So the coupon on the statement says {$740.00} but at the top of the top of statement they have Total amount I owe of {$6000.00}. They send several letters to have my mortgage modified, something I do n't want to do because I have not faltered on the account or have not missed any payments. It was Bank of America that screwed up and now they want me to pay penalties and for not agreeing for them to pay the escrow when I have always paid it on my own since XX/XX/XXXX. I 've called them several times to try and get this straighten out but to no eval they continue to add they escrow to the 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 monetary relief
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: FL
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:
Fraudulent inquiries on credit report XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-07-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For more than two weeks, I have requested a copy of my instalment contract regarding the vehicle that was financed by XXXXantandier Consumer USA, but have not received any response even after numerous follow ups. 

I spoke with staff with the following agent IDs and yet, they kept tossing me back and forth. 
ID # XXXX ID # XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan was with XXXX - established loan XX/XX/ in the amount of {$40000.00} with total program fees of {$2200.00} Total Interest {$1000.00} - Total Special Tax Assessment in the amount of $ XXXX.- When the loan was offered to me, I was told that the loan was on the house and that I would not be responsible for the loan when and if I sold the house. I recently started to consider to sell the house and move to another location. Our Realtor told me that there is a Tax Lien on the house and that I would have to pay off the loan if I wanted to sell the house. The only reason that I considered taking the loan is because I knew that I would be selling the house within the first 5 years of living in it. We are going into the 5th year of living here in the house. I am extremely upset with myself because I was mislead about the loan conditions. I will be XXXX years old next month and find myself in a predicament of not being able to sell my house. I have been doing some research since I found out about the conditions and was told that this is considered to be a PACE loan, which was never explained to me as to what that meant. I need some help on taking care of what I feel was a fraudulent representation from XXXX.

Company response to consumer: Closed with explanation