BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is refusing to block information on my credit report that has been asserted to have resulted from potential identity theft. I have filed a police report and thus complied with the provisions of section 605B and have asked for a block of the information. These accounts contain information regarding transactions I never made and thus state an inaccurate balance. I am submitting a copy of my police report, my FTC affadavit, and my identity for proof.

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 2015-11-11
Company: AES/PHEAA
State: CA
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:
In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In XX/XX/XXXX I sent them a {$10000.00} check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply the extra to principal. They used money to pay my regular payment due ( which I was sending separately and advised before money sent ) and the rest was not put toward escrow shortage or principal. So since then they have gone back and forth trying to fix this but it has only got more confusing no one there can explain, audit or resolve this besides sending a note in account to another department ( that department is who made the mistake originally not applying funds correctly ) and they have no other contact person in that department to speak to so they send it, the department screws it up more, I call again and now my next payment due is showing {$2400.00} ( are you kidding!!! I just sent them {$10000.00} ) instead of {$1200.00} ( last amount quoted that would be payment for the rest of the year. They do n't have an accounting, audit or corporate contact number for me to try to get resolved and the customer resolution department ca n't fix because they send it to cashier Dept no one can speak to. Please help me get my money applied to account corrected and any fees/interest charged by misappropriation of funds credited so I can make my monthly payment and not have amount switch monthly not able to pay if they keep switching after quoting me amount they say for sure will be the next payment due for the rest of the year. It is n't the same and has yet to be amount due on next bill so when I 'm told for sure, I tell them I highly doubt it because for sure has not happened and I even told agent on phone that it keeps switching they say do n't worry they fixed and are right. I do n't know if I need a lawyer or who to hire to get straightened out, please get me help from a real auditor that has knowledge and power to physically be in the phone and change/fix my account at the same time without sending to another incompetent department.

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 2016-03-15
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. I contacted the furnisher because I feel like the bureau is disregarding my efforts and so they agreed to UPDATE and REPAIR my account. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX 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 explanation
Consumer complaint received 2016-12-16
Company: Caliber Home Loans, Inc.
State: IA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold to Caliber Home Loans, Inc. My payment was due on XX/XX/2016. I logged into their system at XXXX cst on XX/XX/2016. It would not allow me to enter a payment date until XX/XX/2016, thus making this payment late and incurring a late fee. I completely understand they may not be able to process my payment until then, but there 's absolutely nothing preventing them from recording my payment on XX/XX/2016. I attempted to make a payment before it 's even due, yet I ca n't. This is a deliberate act on their part to ensure I am late. thx.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Caliber Home Loans, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To summarize : First Niagara raised my mortgage payment by almost 40 % due to an error in their automation.They may be able to give you more information on their process than I could but as I understand it, they analyze the next year 's taxes to figure out the escrow payment for the next year. 

In XXXX XXXX I received a letter from XXXX that said my payment would be going up to {$1000.00} from {$720.00}. Confused, I ended up reaching out to them for an explanation. I spoke to a very nice person who let me know that they have an automation that projects the next years taxes. The way this automation works is they take the amount of last years city 's taxes and base the payment off of that. The particular city I live in ( XXXX ) had a supplemental bill go out in XXXX. This bill was only {$130.00} ( the first bill was the normal tax bill ) so the analyzed escrow was based off of only {$130.00} when it should have been based off another amount. 

First Niagara claims I should have paid attention to my payment and that this was MY responsibility to catch and figure out. There is now a significant shortage with my escrow which caused my payment to go up. Until I called in, First Niagara offered no alternatives to alleviating the burden of this extra monthly cost. 

My wife and I have an escrow because of all the benefits it has for the consumer and servicer/lender. This was not our error. As of XXXX/XXXX/XXXX, I asked First Niagara for alternatives to my huge increase in payment. I have listed them below : 1. Reduce the shortage by paying a one time lump sum payment ( not odeal since we 're talking about {$2000.00} ) 2. Spread the shortage over a number of months ( 24-48 ) Can you please advise on this matter and let me know if there is any precedent for this? Again, XXXX 's automation caused this issue to happen and they never discovered the issue until I was short. Their response was to send a letter informing me my payment would increase over 30 %. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Third-party debt collector, Credence, has repeatedly sent me mail claiming that I owe an alleged debt. I am requesting that you show that I owe this debt that you are claiming I owe by providing me with the original signed contract, the chain of title, your XXXX XXXX XXXX insurance policy number, as well as your audit trail. Please do not send me an itemized statement back without providing the following information below because that is not what is accepted when it comes to validation of debt according to 12 CFR 1006.34. If you are not able to provide me the orginial signed contract, chain of title, your XXXX XXXX XXXX policy number, audit trail, or the following information, I have listed below- I am demanding immediate deletion and XXXX out of this alleged debt. 


( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.

( ii ) The consumer 's name and mailing address.

( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.

( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

( v ) The name of the creditor to whom the debt currently is owed.

( vi ) The itemization date.

( vii ) The amount of the debt on the itemization date.

( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. 

( ix ) The current amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: CBC Companies, Inc.
State: TX
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:
My local bank run a credit report for us to process a loan request, and we found out that there are two accounts listed as sent to " collection agency/attorney ''. These accounts are : 1. XXXX XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$670.00}. 
2. XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX and listed as " Affected by natural disaster ; Closed ''. Account balance is {$370.00}. 
Neither my husband or I have opened an account with XXXX XXXX XXXX or XXXX XXXX this year or in the past few years. 
Additionally, the credit report list an employer for either my husband or I as " XXXX XXXX XXXX ''. Neither one of us had worked for this employer. 
We presently do not have an account with XXXX XXXX XXXX at all. We have an account with XXXX XXXX which was opened in XXXX and is still active with no late payments ever. 
I believe these two accounts belong to someone else other than my husband or I. I am not sure if due to fraud or similar names. I need the credit agency to investigate these two accounts. I have called both XXXX XXXX XXXX and XXXX XXXX  on XX/XX/XXXX and neither one of these companies can find the accounts listed in this report under our profiles. They stated we would need an account number to help clear out any issue. However, we could not produce an account number as we DO NOT have an account which was opened in XX/XX/XXXX for either of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
I have been trying for over two weeks to combine XXXX Capital One credit cards. I have been given this error message several times : This Feature is Currently UnavailableWe 're sorry, but this feature is currently unavailable. Please try again later. 
If you continue to have difficulties, please call us at XXXX. ( Ref. No. XXXX ). 
I have spoken to no less than XXXX customer service reps and supervisors plus a few techs and they all say my accounts are eligible and there should be no problem combining the XXXX accounts. XXXX accts meet all qualification for acct combination, yet they have n't been combine. This is very frustrating to say the least. I feel like I am being discriminated against. I have several friends who had no problems combining accts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: MARINER FINANCE, LLC
State: IL
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 currently have a medical debt I wasnt suppose to be charged for and never got any mail or notification of an auto withdrawal of it. Its from Mariner Finance and should be a paid as agreed and closed account. Since its paid medical debt I would like it off of all three credit reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Accelerated Servicing Group LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The following message was left on my voicemail at XXXX XXXX XX/XX/2022 : Hey, this is XXXX with A S. G. This is not the first time we've tried to call, and it certainly won't be the last until we can get something figured out here. I uh did want to make you aware that the extra 10 % savings applied to your uh payoff online is temporary. So I urge you to lock in the settlement on your account. Now, even if you don't have the funds to settle it, you can set up a partial payment plan, or you can schedule your settlement for a later date when you are able to pay it. As of now, no, 10 99 C tax form has been issued on this account. So please take care of it before further action is required. We do also report to the Credit Bureaus and all applicable account. So again, I urge you to take this seriously and take advantage of this offer. Our website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That is XXXX XXXX XXXX XXXX XXXX XXXX I am legally required to inform you this is an attempt to collect a debt. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ocwen offered modification which when it was said and done made our monthly payment go up not down.and made it a 40 year loan from a 30 making it impposible to ever pay it off .we ended up short selling the house from not being able to keep up the payments.we applied for other help but where denied every time.we feel ocwen preyed opone our weakness and took advantage of us.

Company response to consumer: Closed
Consumer complaint received 2022-06-04
Company: EQUIFAX, INC.
State: OH
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:
I accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Original Creditor ), has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by the XXXX XXXX XXXX who evicted me because I reported and filed police reports because of safety issues. There was a man stalking my apartment and my XXXX young boys and after repeated notifications to the apartment complex they did nothing to help me. They even stated their cameras were not in working order so they could not catch the suspect on camera. I attempted to move to a higher level because I was on the ground level but was told I would have to pay a new security deposit and month 's rent before the transfer could take place. The apt complex knew I did not have the extra money to move because I was a single mother and recently lost my job. Despite everything that I was going through, I made attempts to pay what I could my last month of residing there ( approximately XXXX 2015 timeframe ) and my money was accepted, but I was still evicted. I then received a bill for over {$1700.00} stating that I needed to pay for the remainder of the month in which I was evicted as well as the upcoming month because I had voluntarily left the property. This is absurd. When I contacted the debt collector, they had stated that they had no recollection of eviction and their client, the apt complex had informed them that I voluntarily moved out and that I owed rent as well as replacement of carpet fees worth over {$1000.00}. They kept my security deposit and sent me a bill which was surprisingly already on my credit report being reported as a collection. This has ruined my credit and I want justice. They did threaten to take legal action and hired this attorney 's office which is the one reporting this false debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation