BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-22
Company: AES/PHEAA
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:
FedLoan Servicing has mislead me during a transition from Income Based Repayment ( IBR ) to Revised Pay As You Earn ( REPAYE ) and on whether the Standard Repayment Plan payments made during the transition would count toward Public Service Loan Forgiveness ( PSLF ). Before the transition, FedLoan Servicing explained that these would count and I was not informed that any applicable terms and conditions on the Standard Repayment Plan option would prevent them from counting. I was informed of the terms and conditions within the transitional repayment plan ( payment amount for 309 months was {$590.00} and the payment for the final month was {$580.00} ). I asked FedLoan Servicing that by opting to a Standard Repayment Plan during the transition, regardless of the months specified, on whether those payments would count toward PSLF. And they explained that such payments would count. If this would not have been the case, I would have requested the Reduced Payment Forbearance. 

Here were the XXXX : XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) XX/XX/2016 - {$590.00} ( Standard Repayment Plan ) In addition, according to XXXX, " Payments you make under a 10-year Standard Repayment Plan or under any other Direct Loan Program repayment plan with payments that are at least equal to what you would have been required to pay under the 10-year Standard Repayment plan also count toward PSLF. '' In my view, either these XXXX should count toward PSLF or I should be issued a refund. 

Can this please be looked into? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted several times ( 6 or more in the past 3-4 months to get a a loan modification package. My loan was sold to Fay Servicing while I was in the middle of a modification review with my prior lender. I get letters almost daily of a new acct manager in which I call and to no avail can reach live. I leave a message and do not receive call backs to answer my questions. I call the toll free telephone # and told I have yet another account manager. the lender stated to the courts they tried contacting me and serving my household since XXXX 2016 with no success. they got permission from the courts to serve publicly in the paper. There is someone at my house 24x7 and there were NO attempts to serve me. my home is going up for aution on XXXX/XXXX/16 and I have yet to get a call back from any of the many acct managers I was assigned. I also requested the investors contact information, telephone number and mailing address in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I setup my account to be auto drafted half my mortgage bi weekly with Fay Servicing. The initial payment would be deducted 30 days later. On the date of the deduction XXXX XXXX/XXXX/XXXX XXXX Fay Servicing deducted a full amount which causes my acct to go into the negative. I contacted the office the same day and was told there was not a manager or supervisor to speak with me. I called again the next day and was told the same thing again. It has now been 48 hours without a resolution to the matter nor funds deposited back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Other

Complaint:
Received attached letter from Elan. Letter states the credit is a " Provisional Credit '' that is permanent. The definition of provisional is " arranged or existing for the present, possibly to be changed later. '' So, is this a permanent credit or a credit that can possibly be changed later?????

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are several account that I have been trying to get removed because they are paid off account and then resubmitted to my credit. XXXX XXXX XXXX XXXX was paid off and still the all XXXX Credit Company want show it XXXX Also XXXX XXXX has reported on my reports after all their equipment has been returned and there is no unpaid balance on this account. XXXX XXXX is another account that was paid off back in XXXX in full and they had some fraudulent activities with in there company and they have added to my report again after it has been paid off. In fact they have the same account on my reports twice and I ca n't get the credit companies to correct them. This has been a ongoing issue for me and I am just trying to get someone to resolve these issues for me because it does n't seem as though the credit companies care or want to do the right thing. I have reported this to the Alabama XXXX XXXX and they still want send me proof of these debts nor will they remove them. I was informed by a mortgage company that there seem to be some inaccuracy and that I needed to contact the consumer finance department to get some resolute. I hope and pray that you can get me the answer I need to correct these error that are ruining my credit. Thank for you help and hopefully these issues can be resolved soon. Unfortunately these account are very old account and I do n't have the necessary paperwork to send but I have asked several time for these companies to validate these debts and they want.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX from Law office of XXXX XXXX XXXX called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the XXXX loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this XXXX loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
upon investigating the issue with XXXX XXXX, I discovered that the loan was brought by FED loan servicing around that time frame and was advised by the representative not to make a payment because they were buying the loan at that time. well now FED loans is giving me a hard time about getting this information which could clear this issue on my credit report. I need them to get me that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Today I received an email-the first one I have ever gotten from FedLoan-stating that I owed nearly {$500.00} on XXXX, XXXX, this upcoming Monday. I logged into an account created with my social and it showed that I had a XXXX balance. I then called their help line who informed me that the loan was in my mothers name. From there I was told all of the bills had been going straight to her account, but oh wait! She never created an account so she should do that in order to view the bills they have been sending and check the balance. After following their online sing up instructions, my mother received an error stating that she was banned from online access. I have no way of finding out what this balance is, let alone where and when it is from because no one at FedLoans will give me any answers. I can not even make a payment, something that I will not do until I receive the documentation of what it is, because we can not even create an account. I have been attempting to receive answers all day but, their customer service is little more than " make the payment and then we 'll figure it out ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I am now XXXX and retired. I have been paying on a 7.375 % interest from Bank America Home Loans since XX/XX/XXXX almost XXXX years. When interest loans were lowered to 3 and 4 percent, I started applying for a modification to reduce interest. 
I have been engaged in doing this for the past XXXX years. With the help of XXXX XXXX of XXXX State Assemblywoman XXXX XXXX office we have filled and submitted over XXXX applications for this. 
At first I was told while I was still XXXX that my income was too high. After I retired XXXX XXXX acting as Third Party have submitted al least XXXX more applications which involved bank statements for 3 months ; periods, letters from the college and reduced income supporting hardship -- all without success. This frustrating process required submission of appplications to always changing consumer relations associatte. This means that after submitting the ; package to that associate. another person would take over the next time : one in XXXX, another in XXXX, still another in XXXX. 
The only act of mercy I received was the acceptance of monthly escrow payment which I paid faithfully. 
After the month of XX/XX/XXXX had begun, I received a note from Bank American Home Loan informing me that my loan had been changed toXXXX Mortgage ... In dealing with XXXX the monthly payment is still exhorbitant and the interest still at XXXX which means there was deception all along -- or fraud. 
I choose as my title persecution of seniors, a descriptive title that used in a communication to the Commissioner of Currency which supervises banks. Bank America exists because tax payer monies bailed them out of the crisis it has been shown that they also helped perpetrate. 
I am submitting my story to broadcast my claim that I am being treated unjustly. 
i will be forwarding to you a copy of my letter to XXXX XXXX of Commissioner of Currency whose institution has done nothing. 
I am presently working with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Third Party. 
I can not just give up even in this unjust situation which is aimed to cast me out of my residence and my major asset. 
I am an XXXX great grandmother. Lowered interest and modification process were intended to render justice to ordinary Americans but the way it is handled causes plunder the old highway robbery system. The XXXX 2 weeks ago listed income of executives in seven figures why the poor are defrauded. 
I am trusting that you are a honorable American who is committed to do right. Righteousness will keep blessing America. XXXX. XXXX XXXX XXXX XXXX XXXX email : XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: JH Portfolio Debt Equities, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.

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 2015-12-29
Company: BANKUNITED, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My father got an XXXX loan in his name XX/XX/XXXX after being approved to build a XX/XX/XXXX. The original bank XXXX was taken over & all assets were purchased by XXXX XXXX XX/XX/XXXX. My father passed away on XXXX/XXXX/XXXX. Roughly 2 weeks after he passed XXXX started harassing us about the loan not having an Owner or signer. XXXX demanded my fathers " will '' that left the rink to my mother be probated, so she transferred the rink to me since I was the other partner in the business. XX/XX/XXXX we were having problems making the payments, so XXXX gave the business 3 months of interest only payments. In XX/XX/XXXX, my family & I decided to turn in the keys. XXXX XXXX ASKED us to run the business until they could sell it. First they were going to Auction it off XX/XX/XXXX, then they cancelled the Auction & they were going to take keys XX/XX/XXXX. This went on until XX/XX/XXXX when we decided that something fishy was going on & we sought out legal council & filed for Bankruptcy. During the Bankruptcy proceedings we found that several of the XXXX Executives sold the {>= $1,000,000} loan to themselves for {$750000.00} under another bank name " BankUnited NA ''. We went through the court system and the day we were going to finalize the agreement, BankUnited brought in an additional lawyer that said he was hired by BankUnited to " Kill '' the business. We had an agreement with BankUnited the day before. My attorney, the attorney we had been working with AND the judge were shocked. We had done everything that we needed to do. After talking to some other XXXX/XXXX/BankUnited victums, they all had the same thing to say. There was no negotiation, just Foreclosure & personal bankruptcy. The group has been buying loans at a reduced cost, foreclosing & selling at a HUGE profit. It seems as though this group is double dipping at the tax payers expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am having an issue with equifax. i have spent over 7 hours in the last two months on the phone with them trying to straighten out my credit. I subscribe to their online credit monitoring. and one of my problems that they ant explain to me is why my credit score keeps dropping XXXX points or more almost everyday I pay my bills ontime every month. XXXX accounts on equifax are fraud 1. XXXX 2. XXXX. i was on the phone today for a little over 3 hours trying to get answers and all i received was the texas two step. please help me. my score was XXXX now XXXX and less then 2 months and they cant tell me why..I also filed a police report with them showing that the items where a fraud accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I want to have charge off status deleted. There is no contract signed by me with Portfolio Recovery connecting me with them. They purchased the account from XXXX and I have not contract with them. I had no contract with XXXX either. 

XXXX XXXX XXXX, CA XXXX Portfolio Recoivery, LLC .XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$1100.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove the debt from XXXX credit reports, show as paid. 

Delete Charge Off Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Reporting company used your report improperly

Complaint:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

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 2022-06-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to fix the situation with this company multiple times with Fair collection & outsourcing. This debt that is not mine which is a result from identity theft, this company has been paid using a 1099c and the company is still reporting negatively on my consumer report. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter with police report and identity theft report and yet they refuse to remove the item from my consumer report. I am now demanding Fair collection & outsourcing to properly remit 1099c so that I can properly file my taxes. I am demanding that fair collections & outsourcing send me a copy of the 1099c b for the debtor documentation that Fair collection & outsourcing has already transferred over to the treasury. Also i am demanding that fair collection & outsourcing contact all 3 consumer reporting agencies and update the status of the consumer report to paid or remove the identity item from my consumer report either or because this is not my debt but since they have already been paid they have a choice to either update my consumer report to paid as agreed or remove and remit payment and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for. I am also aware of the certificate of indebtedness which Fair collection & outsourcing has used as assets on the trading market also files a 1099 c with the IRS for all debt over {$600.00} yet failed to provide.I know that Fair collections & outsourcing is trading my securities through the trade market system if not i will have to take extreme measurements in federal court which is the proper venue due to securities being involved. Along with IRS FOR TAX EVASION.

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