BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-17
Company: Navient Solutions, LLC.
State: NJ
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:
Navient aggreed to reduce the interest rate on my account to .0001 % and take automatic payments of XXXX dollars a month to help pay down my balance. The .0001 % interest rate was supposed to begin after I made XXXX qualifying payments. I began making the payments in XXXX 2015, the reduced interest rate should have began in XXXX 2015. They never reduced the interest rate and although I continue to pay them the XXXX dollars a month, my balance continues to grow. I called the Navient Department handling my loan in XXXX 2015. They assured me that the interest rate would be reduced to .0001 % and that my total loan balance would be adjusted. When I received the statement in XXXX, my loan balance increased again. They lied and mishandled my account. I attended the XXXX New Jersey.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
So-called creditor is in direct violation of FCRA, FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
XXXX XXXX was advised to investigate a few things that I believe are inaccurate and their response came back as " verified ''. All they sent was a computer generated response regarding my Re-Investigation. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law

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 2017-01-09
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current. 
I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy. 
In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Since I 've already paid into the process of the inspection, the refinance office has been especially slow in answering questions I have to get my loan processed. They have at times made me wait 48 hours ( possibly longer as I 'm still waiting ) for an answer to valid applicable questions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery Services offered to remove XXXX accounts from my credit reports ( all XXXX ) if I paid the amount due. I paid the accounts and they have not removed the collection accounts from my credit reports as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: VA
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:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX veteran not being helped with XXXX loan forgiveness. Tried numerous times during XXXX 2021-present date XX/XX/2021. 

I am not getting the help or service I need answered or correctly handled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Finance of America Mortgage LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I cancelled a no cash out, refi of my primary residence with : Finance of America Mortgage LLC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX # XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Notification was sent the day after closing. They have not returned my funds. They do n't answer my attempts to contact. I 'd like all my money back. How do I get it? Thanks. 

Best Regards, -XXXX XXXX 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 monetary relief
Consumer complaint received 2021-12-22
Company: Paramount GR Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Sold before our 1st payment on XX/XX/22. 1st home buyer assistance they added to the loan and what we thought was a grant. Then they sold it right away. I've contacted XXXX and told goodleap it was 1sXXXX time home buyer. Said if they over pay XXXX that they would send it back. Like they aren't liable after. I'm sure we got messed over. Need some help if possible. It's like they added gov money into the refi then sold it. Thanks for your time. 

XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Social Finance, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The account was opened on XX/XX/2021. My twin brother fraudulently opened a card in my name and spent {$1000.00}. Previously to this account opening, I received hard inquiries from SoFi. I have never heard of this company before and never applied for a credit card from them. I called them and they said they would cancel the card but they did not believe me when I said I didn't apply. I've already sent out a follow up letter to them and the three major credit bureaus. I filed a police report and a identity theft report FTC. He may have applied for the card in my name and made himself an authorized user without my knowledge. since he is a twin, his SSN is one digit off from mine. He has already stolen checks from my grandfather and father. He has charges being pressed against him. They reported this to the credit bureaus and my score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Seattle Service Bureau, Inc
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
National Service Bureau threatened me with jail time and revocation of my license over an auto mobile accident. I had insurance during the accident but my insurance provider refused to pay because it was not the correct type of insurance. I understand that I am financially responsible to pay back the debt but they are asking for amounts that I am not able to currently pay. I have been out of work due to covid-19 pandemic and they threaten me with jail and revocation of my license. Also screaming at you on the phone and are extremely rude and very aggressive. I've tried to work with them to come up with a reasonable amount to pay back but they demand I pay a certain amount a month which I am not able to. It's alarming because of how aggressive they threaten every time I speak to them. I am willing to pay the debt back but I can not pay them what I do not have. It's especially a shame because I've explained to them the situation with my insurance and they just do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My Capital One billing cycle closed on 4th of every month. Capital One has reported to XXXX twice for the month of XX/XX/XXXX and XX/XX/XXXX. Also Capital One reported twice on my XXXX credit report XX/XX/XXXX, and XX/XX/XXXX. Due to Consumer Financial Protection Bureau rules and regulations Capital One is in violation of the rules, and regulations. I have had this issue before XX/XX/XXXX compliant # XXXX this is a ongoing issue. Please help me resolve this issue and have Capital One to report accurate information with XXXX, XXXX, and XXXX. Account is has a open balance of {$86.00} dollars not {$980.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Debt Recovery Solutions, LLC
State: LA
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:
This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I disputed a bankruptcy with Experian on XX/XX/2021 Experian received my disputes on XX/XX/2021 it shows according to the certified mail. it is now XX/XX/2021 and I've yet to hear back from experian the FCRA gives the company 30 days to respond, i have not gotten a response from experian i called to see wat was the XXXX they then stated XXXX XXXX lexis it keeps coming back verfied!

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 2015-08-03
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency is showing on my credit report with incorrect information. The original creditor, amount owed, and date debt became deliquent. Collection agency has also listed debt as new debt with false opened date. This information is preventing me from obtaing a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, this collection agency contacted me via phone. They also skipped traced XXXX additional numbers to family. I called them on XXXX XXXX asking them to REMOVE my family numbers and made it clear that they had a good number for me and to stop contacting 3rd parties attempting to skip trace. I spoke to a women who barely spoke any english and I verified my identity with her and again told her to remove XXXX additional numbers from my account. She began to get very rude and said she removed them. Today, on XXXX XXXX some of those 3rd party numbers that were skipped traced even after a verified contact with me had been made and I ordered them to remove those other numbers. I contacted the company back today and asked them to remove those numbers again. The gentleman who answered the call was much more professional than the first women. He advised me the numbers had not been removed and he was removing them at that time. I again went through the verification process with them to confirm my identity and confirmed the numbers had been removed. Less than XXXX hours later I received a call again .... this time i spoke to another representative who stated again the skip traced number had not been removed ... and went through and removed the number again and went through the verification process again. At this time I advised the representative i was filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: MO
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:
During Experian, XXXX, and XXXX Investigations after my disputes in XXXX, 2021 and XX/XX/2021 Experian, XXXX, and XXXX has informed me via mail that they are going to continue to diminish the value of my consumer report and violate my consumer rights under the FCRA. I have included evidence that Experian, XXXX, and XXXX is violation of the FCRA, has not investigated my matter properly pursuant to Federal law and have verified my dispute as " Accurate ''. 
1. Experian, XXXX, and XXXX has use my report improperly nor did they have permissible purpose or my written instruction pursuant to federal law-15 USC 1681b ( a ) ( 2 ). 
2. Experian, XXXX, and XXXX has Infringed upon my consumer right to privacy pursuant to federal law- 15 USC 1681 ( a ) ( 4 ). 
3. Experian, XXXX, and XXXX has not conduct a proper investigation pursuant to federal law -15 USC 1681a- ( e ).

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 2015-12-17
Company: Navient Solutions, LLC.
State: MD
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:
In short order, Navient whom is servicing the loan has shared with me that the interest rate is variable and should be 2.5 % + Libor reset monthly. However they are and have been charging my Dad and me 9.625 % per annum ( calculated at 360 days ) and can not explain why. As such, we have been overcharged for 5 years and asked that they go back and deduct the overpayments each month from principle. As you know this would have a snowball effect given the compounding at a significantly lower interest rate and lower principle. Simply put they have 1 ) put us on a indefinate hold 2 ) told us they can not help 3 ) do n't understand the interest rate and thus will not take corrective action. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My husband and I submitted an income drive-repayment plan for student loans with Navient. We choose " ( Recommended ) I want my loan holder to place me on the plan with the lowest monthly payment '' in Section 2. We put the application in on XX/XX/XXXX and had not heard anything from them. We call Navient today and she tells us that " we did not fill out an application exactly for PAYE plan. '' She tells us we have to submit an additional paperwork to get on the PAYE plan and that what I filled out was not the right application. They ca n't place us on a plan until we specifically choose one. My husband and I are both lawyers, I think we can read an option that says " I want my loan holder to place me on the plan with the lowest monthly payment. '' Either she did n't know what she was talking about or this is an attempt to prevent people from getting on IDR payment plans. This did not happen to me when I filled out the same exact application from my own loans with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in an auto collision where my car was totaled. The individual who caused the accident was sued. The financier throughout the entire ordeal played games. Didn't want the car, let it stay at the lot etc. The Financier got money from the settlement between the attorney and individual sued, the financier has tried attaching this to my credit to ruin it, which has already been handled, to which I have partially recovered from. I have already filed a complaint against this company with the FTC for phone harassment, I wish for this company to stop contacting me. After I filed an FTC report for them to stop contacting me they took retaliatory action against me " I feel '' as a consumer, and I also feel this is continued harassment and retaliatory action as consumer and I wish for it to stop. I want all business between me and the individuals running it to cease immediately including MAILED statements. 

I will happily file another FTC complaint, and the submit paperwork I have regarding the legal suit, and the bill with zero information. They have been paid.

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 2022-05-13
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the letter by XXXX XXXX XXXX XXXX, they have send me a debt collector. Total amount " owned '' was XXXX and decided to drop it by 50 % coming at a XXXX. 
Treated to ruin my credit for a debt not owned by me. As I already paid in full to the previous company. XXXX XXXX XXXX XXXX XXXX said in written and I quote " Any negative credit repot reflecting on your credit that has been or may be submitted to a credit reporting agency will remain if you fail to fulfill the terms of your credit obligation. ''

Company response to consumer: Closed with explanation