BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I took out several loans through XXXX in my name for my daughter to help pay for her college tuition. When she was done school and still searching for a job, she kept getting harassed by navient and XXXX. We explained to them that she was not working at the time and that she was not able to make payments. We had a small past due amount and they told us once it was up to date that we could file a deferment. Once we paid the past due amount we spoke with another financial counselor through the company who then told us we were not able to go through a deferment. We were very frustrated and just decided that she would start paying once she found a job. Navient and XXXX called me several times a day, at all hours of the day. They were not willing to work with us on anything. My daughter found out several months after she got a job and started paying her XXXX loan that she was on a loan deferment for three months, but that the company kept calling her multiple times a day harassing her for bill payments! 
She is now paying all of her navient & XXXX loans but is trying to get them lowered, she only works part time and has other loans to pay in addition to this. We called Navient yesterday to see if we could get the payments lowered, and all the representative said was that they can try to lower XXXX of the loan payments by {$29.00}. I also have asked them several times over the phone to send repayment options through the mail, they said they sent them out several times but I never received anything from them. As of now she has to pay navient until 2041. I hope that young adults with student debt will be forgiven from this amount of debt, it is crippling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!

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 2017-04-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was fraudulently charged for a camera by American Express. I placed the order for a {$460.00} camera with XXXX, and the charge came from XXXX for {$610.00} because they lied about the camera not having a battery and charger. I never received any order information, they have done this to person after person. Contacted American Express right away about the merchant cheating customers but American Express took the side of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My property located at XXXX XXXX XXXX in XXXX, LA was catastrophically damaged by Hurricane Ida. My insurance company has assessed the damaged at {$96000.00}. The funds dispersed total {$88000.00} ( total damage less {$7700.00} in recoverable depreciation ). The loan balance is {$51000.00}. 

I was issued an insurance claim packet, which I successful filled out to completion. I have since been asked to provide additional estimates from my contractor, which is in excess of the requirements spelled out in the insurance packet. 

It is now 76 days since Hurricane Ida made landfall, and I have yet to receive any money for repairs on the property. 

Roundpoint continues to put up road blocks, find excuses, and delay issuing funds required to repair my property. 

Furthermore, Roundpoint is retaining funds that exceed the balance of the mortgage by {$39000.00}. 

I was told on XX/XX/21 that funds in the amount of $ XXXX have been dispersed, however, I have yet to receive them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A company called, Conserve, from the State of New York, has managed to place a collection account on my XXXX Credit Report, even though I have a freeze. In addition, I did not receive any communication from this agency at all. They have not telephoned, written : nothing. The XXXX statement claims that it originates from XXXX, XXXX, which also did not write, email, or telephone. XXXX XXXX is engaged in fraud for doing this, and I intend to sue. I am tired of organizations trying to fleece the average citizen, and I won't accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from IC SYSTEMS. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against IC SYSTEMS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2022-04-30
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I reviewed my credit report through Transunion. I have an unidentified hard inquiry on my file. XXXX Inquiry from XX/XX/2017. I did not authorize this inquire and Transunion refused to remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My Trans Union credit report is 20 points lower than my XXXX  with the same exact information I am never been late on anything in the last six years since Ive declared bankruptcy because I had XXXX and paid all my bills Im on time and Trans Union is always behind now the 20 points behind

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the application XX/XX/2021. The first time by myself, they said due to DTI, added fiance, all good. Straight refi, no cash out, reducing interest and removing my dad and adding fiance. They said I need to remove my dad and add my fianc to title to make closing easier, done within 2 weeks, they said we should close by end of XXXX, then moved it to first week, kept pushed back and back. I kept callinf asking for a real status, asking for a supervisor. Never got a call from a supervisor or a real reason for the push. Every week or other week I would be told all is good and they are just waiting on stuff on their end. They ended up waiting for my rate to expire, they sent me a new XXXX. I asked why are they charging me when the delay was not my fault and they told me they would honor my original XXXX, they then asked me to write a statement that they can repull my credit... again I asked for why the delay and requested reassured I would be honored my original.terms discussed, they sent me the original XXXX, again no one reached out to me we are at the end of XXXX begging of XXXX, by mid XXXX they send me the last XXXX, and they request all information again and they now said I need an appraisal, even though I did not 5 months ago. I sent an email again requesting to be assured that I am not charged nothing other than on our original terms since the delay was not our fault, and that includes the appraisal fees. 
By the end if the day they call me to tell me the loan is denied because my fiance 's credit is noe XXXX. 
I feel they were holding on the loan waiting for the interest to go up or to be able to charge me credit points. I see no other reason they sat on the loan for 5 months and no supervisor or Loan officer could call me. I am glad they claim to record all calls so you can listen, I have all the emails we complied as requested. I think this is a pattern to up their fees. 
Bank : Freedom.mortgage, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Loan Originator XXXX XXXX XXXX XXXX XXXX : # XXXX I will forward emails when you request

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 2017-04-12
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Used my XXXX credit card. Was billed for the amount I charged. 

Payed the bill in full at the address I had in my bill pay, given to me on my original credit card statement. 

Check was cashed. 

Never received credit for my payment. Have contacted Commenity bank. Have sent documentation several times. Called them. Contacted their old account holder for help. 

No help. Keep receiving new statements with interest charges and fines. Bank will not help. 

Found out XXXX  changed banks from XXXX  XXXX XXXX to Commenity and never notified me of the new address for payment. 

They cashed my check to XXXX at their other account but will not give me credit or work with me. Trashed my credit score from 800s to 600. 

I need help. Would like to take legal action for relief and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Trying to get pay off balance for a VA loan from Selene Finance and given conflicting answers and no follow up correspondence. I was told they can not send emails to confirm request was received as they monitor everything internally, so unfortunately they hold all access to information and you are unable to confirm its accuracy. Could not even produce amount of interest owed each day of loan. Our title office trying to conduct businesses with them have ran into several issues as well, such as being told no one monitors the fax anymore even though it is provided as an avenue of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a tax lien with the state of Maryland, which was paid off and released in XX/XX/2016. In XX/XX/2016 I reached out to the state comptroller 's office to have this tax lien withdrawn. The state decided to vacate and WITHDRAW the lien,. The comptroller 's officr sent me a copy of this letter in which I faxed to Equifax in a previous dispute but even with the letter from the state 's comptroller, Equifax refused to remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home is in XXXX XXXX Illinois. My mortgage was transferred to Specialized Loan Servicing XXXX phone # XXXX XXXX in XXXX. I have been trying to have my escrow account deleted since XXXX. They denied my request in XXXX stating that my loan-to-value ( XXXX XXXX must be reduced to 80 % Based on the CURRENT VALUE. In XXXX they denied me again stating that the XXXX must be reduced to 80 % Based on the ORIGINAL VALUE. By XXXX I have reduced my XXXX below 80 % of my Loan 's ORIGINAL VALUE. This time they denied me on XX/XX/XXXX Stating that the XXXX must be reduced to 65 % based on the ORIGINAL VALUE. 
I have complained by phone and have had many correspondence with supervisors in the escrow department. During some of these correspondence I have been told lies or misinformation such as that I could possibly have my home reappraised. 
After many hours on the phone I received a document on XX/XX/XXXX that based on my current XXXX that I now have a choice to delete my loans escrow account if I send a written request to them. They also stated that once they received the request they would be required to refund the existing amount in the account to me within 20 working days. 
I sent my request to delete the escrow account via XXXX on XX/XX/XXXX. I have since had many more hours on the phone trying to find out if they received my request. 
Now they are telling that the letter they sent me on XX/XX/XXXX was probably sent in error, that Illinois is the only state that requires the XXXX to be reduced to 65 %. 
I complained that there is more legal writing in this law than just the 65 % and that they need their legal team to interpret the entire law. I also have no clear answer from them on what value of my house they are basing the XXXX ratio on. 
The supervisor stated that they are reviewing their policies trying to determine why I have been mislead. They also stated that they are still trying to resolve this problem and allow me to delete my escrow but that in his opinion the outcome will not be in my favor. He was supposed to call me back by XX/XX/XXXX but I have not heard anything. 
So here I go again with many hours on the phone.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: MI
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:
{$470.00} XXXX XXXX  Closed Charge_off {$330.00} XXXX not more than XXXX payments past due {$390.00} XXXX XXXX XXXX  Not More Than XXXX Payments past due {$6.00} XXXX XXXX XXXX as agreed XXXX XXXXXXXX XXXX XXXX Closed account Hard Inquiries XX/XX/XXXX Consumer portfolio Services XX/XX/XXXX Global Lending Services XX/XX/XXXX Capital XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 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 2022-04-30
Company: EQUIFAX, INC.
State: GA
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:
The law stipulates that you must investigate withing XXXX of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
Item # : Reason for Correction : XXXXXXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXXXXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX This account was opened fraudulently XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX This account was opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX This account was opened fraudulently XX/XX/XXXXXXXX XXXX XXXX  This account was opened fraudulently XXXX XX/XX/XXXX According to the provisions of the Fair Credit Reporting Act 661 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit

Company response to consumer: Closed with explanation