BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-06
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX, Greentree Servicing foreclosed on my residence. They provided me with a XXXX at that time. On XX/XX/XXXX, the house was sold to a private party. I have yet to be given a XXXX. When I checked my credit report, they were reporting it as an active mortgage with a balance of {$120000.00}. I contacted them via email requesting that they provide me with the XXXX. They followed up with a XXXX showing no interest paid XX/XX/XXXX. I contacted Senator XXXX XXXX 's office and they sent a letter on my behalf. Once again, Greentree Servicing sent me a XXXX. After the contacts, they have changed the status and dollar amount on my credit report. They are now showing it as " open - collection/charge off '' with a balance of {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge

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 2016-10-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I submitted a request for an Income Based Repayment ( IBR ) plan to Navient in XXXX of XXXX. I was assured that the request was received and that my new payment amount would be {$0.00} per month. When I checked my account in XXXX of XXXX I was surprised to see that I had been charged at the regular monthly rate since XXXX XXXX and I had accrued late fees for the past 6 months. I immediately called Navient and was told that the IBR was received in XXXX of XXXX but was never applied to my account. They did n't know why. They then asked me to resubmit another IBR request and again assured me that it had been received and applied. In XXXX of XXXX I checked my credit report to find that my credit score had dropped considerably due solely to Navient 's incorrect reporting of 6 months of missed payments on my student loan accounts between XXXX XXXX and XXXX XXXX. I called Navient to have them remove the fees which they agreed to do. The account was brought current and I had a XXXX balance. Today is XXXX XXXX and I just checked my Navient account because the missed payments are still showing up on my credit report and affecting my credit score greatly. Navient now states that I owe {$270.00} for my student loans when according to my IBR I am supposed to be at a {$0.00} payment until XXXX of XXXX. Their offices are n't currently open so I can not address this with them today but again they are incorrectly billing and applying charges when none are due. I continuously have to go behind them each month only to see that they still are applying charges that should n't be there. Then I have to sit with them on the phone for hours for them to correct it in their system, rehashing the story over and over, only to have to do it again the following month. It 's exhausting and a complete scam to charge people this way hoping that they wo n't notice and ruining their credit in the process. This needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: I.C. System, 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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX and IC SYSTEM # XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 )  ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, Please find my complaint against XXXX and PennyMac for fraud ; misrepresentation, deceit, identity theft and other crimes. 

On XX/XX/XXXX I went to local tax office to check if PennyMac paid for my taxes. 

XXXX XXXX  had no records that PennyMac paid my taxes - but it was done by XXXX who did it twice - in XX/XX/XXXX and XXXX, XXXX. In other words, as soon as XXXX XXXX removed PennyMac from their XXXX system, PennyMac was unable even pretend to do any servicing functions. 

PennyMac on XX/XX/XXXX told me that XXXX as their " tax vendor ''. 

XXXX previously claimed that XXXX has no relationship to my loan. 

Since XXXX  is now my " tax vendor '', I demand XXXX  to confirm their status as PennyMac 's tax vendor ; identify which Company handles my escrow account ; and provide me the name of the company whom PennyMac and XXXX are servicing. 

XXXX informed me that Servicing rights were transferred to PennyMac ( but did not mentioned WHOM XXXX serviced from XX/XX/XXXX to XX/XX/XXXX ) PennyMac continue to insist that they PURCHASED my loan from someone whom PennyMac can not identify. XXXX never mentioned any sales of my loan to PennyMac. 

I demand PennyMac to identify the Seller of my loan ; provide me a copy of release of my so-called " lien '' to the prior " owner '' of my loan and explain why this release is not recorded with VA as required by their rules. 

My checks are always cashed by XXXX  XXXX XXXX who deny any relationship to my loan ; and collected and processed by XXXX/XXXX.. My taxes are paid by XXXX who bear to repeat deny their relationship to my loan. 

PennyMac continue to pretend to be a SErvicer without ANY evidence regarding the establishment or current status of the account reflecting ownership of my alleged obligation. 

While I have a pile of evidence that PennyMac is merely an actor for hire to play " Servicer 's '' role hired by Investment Banks ; and the actual " servicers '' are XXXX  and XXXX XXXX  who serves their masters ( investment banks ) and is willing to sacrifice itself and the self-proclaimed servicers to protect the XXXX ( investment bank ). 

This means that all records, payment history and document handling does not originate with XXXX, XXXX or PennyMac, but rather with XXXX XXXX and XXXX, who are actually answering to an investment bank who receives both proceeds from my payments and who pockets my escrow money ( taxes are paid by XXXX from a pool operated by XXXX  XXXX XXXX received from sales of derivatives to investors ) And the investment bank ( here : XXXX  XXXX XXXX ) receives it as off balance sheet transactions that are actually revenue that is untaxed. This game has been played by investment banks for last 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SUN LOAN COMPANY INC.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know, someone else 's loan. 
SunLoan.com Does n't understand Do-not-call list rules ; asked to be removed from being called two months ago -- calls again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Was at Kohls store located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. When checking out I wanted to use Kohls XXXX. The cashier said she needed some information to look up my account. I gave her the requested information including my driver 's license and SSN. She then preceded to use my information to apply for a Kohls Credit card with out my consent. After checking out she told me the charge would be made to my Kohls Credit card. When I explained to her I did not have XXXX, she said " I just signed you up for XXXX '' I did not consent to this credit card. This was XX/XX/23 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please note the attached documents were submitted and the BANK OF AMERICA has offered us a cash settlement to sign our interest over to them and we have been trying to work with them for over 5 years on this.! The tax liens are attached to the property XXXX XXXX XXXX XXXX NC XXXX. All was filed and documented as you will see attached. This has been such a beyond nightmare and I have received a ton of letters from BANK OF AMERICA stating they would get a resolution, they have kept on and on and back and forth and never want to resolve or give any answers! I am sick of being put on the back burner and treated like a automated letter will go out. I am going to mail, fax and send all XXXX pages of correspondence to you, banking commissions, and any other complaint places because they are wrong! Desired resolution- We will release our unencumbered interest to them for settlement we sent them. This has caused my family to break up, move XXXX times and end result wasted a ton of my time when all they had to do was work with us originally. It is so beyond fair that people just have to let BOA give them what they want because they do n't care. I am actually sick of playing games and getting all this correspondence, letters, sign this and do this and I am not agreeing to a settlement until it is right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: FL
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:
In the month of XXXX My wife and I had mailed a dispute into Experian regarding the incorrect reporting of our mortgage loan. We had both mailed the same letter ( attached ). We each received notice that the information disputed wasn't valid and that we'd need to provide more detail and that it wasn't processed. Then a couple days after that, we received another notice stating that the dispute was completed, and the results stayed the same. 

We had both called Experian, with our mortgage lender on the phone, and indicated what our dispute was. The rep allegedly submitted a dispute stating that our mortgage was not a foreclosure. We received correspondence back from that stating again the creditor furnished correct information. The rep acknowledged that we still have ownership on the property. 

We both received our results stating that the original creditor verified the information as being correct. 

We called Experian again and the rep had indicated that the months in question shouldve been disputed and not the entire account. He further stated that the previous rep had disputed the entire account incorrectly. Again, we waited only to get the same results. 

The issue here is how Experian reports a borrower, where foreclosure may have started and/or was being reported during a trial period of a loan modification. In the months of XXXX, XXXX and XX/XX/2018, our mortgage was coded as an " XXXX '' which is the foreclosure status. This incorrect reporting is prohibiting us from being able to purchase a new home. We are being told that the automated underwriting system used, both through XXXX XXXX   and XXXX XXXX, are giving a denial since there is a foreclosure reporting on the credit report. The other two bureaus do not report the modification trial period as an XXXX. They each have reported a XXXX or being 120 days past due during those months. 

From my understanding via my lender and through self-research, Experian 's reporting is inaccurate. The home was never foreclosed upon. The status reporting shouldn't be that of a foreclosure or even pre-foreclosure which indicates that the home was sold before being foreclosed upon. This incorrect reporting should have been at XXXX for those months, which would alleviate my issues. 

Now I'm at a loss since we are in jeopardy of losing our newly built home to address our change in family size. We have a deposit on hand with them and have been trying to rectify this since XXXX which we stand to lose along with not having a place to live. The home in which this inaccuracy is reporting, which is under contract to be sold, almost XXXX years past this error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX   violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax will not unlock my account, I have called more times than I can remember. They asked me to fax them my name, SSN, Drivers license and pay stub, which I have done at least 8 times over the pass four months. I have also created a customer care case, which has been open for three weeks with no response from them. I'm fed up with their lack of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America enticed me to participate in their Trail Loan Modification Program and inflicted financial hardship on me and messed up my credit ratings. 
I have never been late or missed any payments with Bank Of America. Then I get letters from them informing me to participate in their Trail Loan Modification program to lower my monthly mortgage payments. So I enroll. My mortgage payment were reduced for five months from {$2000.00} to {$1700.00}. At the end of five months they informed me they were going to extend my current 30 year mortgage another 15 years in order for me to receive these lower monthly payments. 
I refused to participate in this program. Paying another 15 years of interest to B of A is not in my best financial interest. They immediately inform me I had to pay the difference of my lower monthly payments within 30 days or suffer the consequences. A difference of {$1000.00}. Placing extreme financial hardship on me and my family. But I paid this amount. 
Upon paying this amount and opting out the program I reviewed my credit. A review of my credit disclosed negative information reported to XXXX from B of A. Plus, XXXX and XXXX XXXX had me XXXX and 60 days late on payments. I have never been late with any payments. I contacted their credit department and they insisted the information reported was correct. 
I should not be punished for cooperating with my bank. Currently this negative information submitted to credit reporting bureaus prevents me from refinancing with another bank. An intentional ploy by B of A.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-28
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:
I 've been paying my Navient college loan payments ontime via the Internet. It was a place where I could see my bill, plan future payments and budget. Last week Navient blocked my access to online services saying that if I do n't take the clause to not have them call me off my record, then they will not give me online access. They are saying that I must pay over the phone and are charging me for this. Again, I not only make my payments ontime, I over the most minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: CA
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:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with XXXX XXXX  and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I tried to apply for a new car loan through chase bank for a XXXX XXXX. I had a previous auto loan with them which I paid off. My husband died in XXXX. But my current income us {$3200.00}. Chase has denied me for a new loan and most car finance companies require a stable income of {$2000.00} a month. My income is a stable amount of {$3200.00} a month. I am being discriminated against.

Company response to consumer: Closed with explanation