BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended a financial aid meeting with a friend at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. My friend was told that he would not need any private student loans because he would receive grants and federal student loans. I was asked to give my information to be used as a reference only. I did not question why my social security number was needed. I was added to a loan application as a cosigner without my knowledge or permission. All documents were signed electronically so I can not dispute my signature. The school applied for XXXX loans with my information. The XXXX loan was denied. The XXXX and the XXXX loan were approved. The school representative requested XXXX for one of the loans and XXXX for another loan. Those amounts were very high and again not necessary due to the PA state grants and federal loans my friend would receive. At the end of the day I am on the hook for over XXXX in private loans. I have battling back and forth with Navient formally XXXX XXXX about these accounts. Despite the charge offs I have a credit score in the XXXX. I was taught about credit at a young age and I would never have cosigned for a loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX closed its doors in 2012 making it impossible for me to dispute any claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX has been named in a class action lawsuit for fraudlent behavior and I feel that I am one of their victims. The loan was charged off of XXXX XXXX 's books years ago. I contacted XXXX XXXX XXXX the collection agency for XXXX XXXX and they were unable to send me information on the loan. I learned of the loan being handled by Navient by looking at my credit report. I contacted Navient and I was told by a Navient representative to dispute it through the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow up to complaint numbers : CFPB # XXXX, XXXX, and XXXX ( filed under my former last name XXXX ) against Bank of America and XXXX XXXX. Both companies indicated in XX/XX/XXXX that they would submit and correct my credit report. Bank of America indicated that they would correct my credit report to reflect that the accounts were paid as agreed via short sale in XX/XX/XXXX. I learned today after applying for a loan, that my credit report still shows me owing Bank of America and in the amount of over XXXX dollars!!! I have no idea what this loan is for and it has the same loan number as the one paid under the short sale. 
XXXX XXXX should also be deleted from my credit report. I feel that Bank of America is continuing to harass me and purposely putting incorrect information on my credit report. Please help.

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 2022-10-01
Company: EQUIFAX, INC.
State: NC
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 to the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights XXXX 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information. any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Portfolio Recovery Associates '' is calling me every single day from different telephone numbers for the last 8 months. 
To today I have counted 233 phone calls from XXXX different phone numbers in the last 8 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
All of my credit card debt has a last payment date of XX/XX/2011. That is more than the 4 years time limit for debt collection that is allowed in my state of California.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: Ideal Collection Services, 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 was paid

Complaint:
I was renting an apartment at XXXX in XXXX, FL XX/XX/XXXX-XX/XX/XXXX. Upon leaving I verified with previous owner XXXX that the account was paid in full. 
In XX/XX/XXXX the complex was sold by previous owners XXXX and XXXX ( Last names unknown. ) New owners know nothing about this. 

Now, XXXX years later, Ideal collection agency is posting negative information. 

I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX and it was sold thus they have no information. Ideal refuses to provide contact information for previous owners. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was XXXX years ago I no longer have receipts or any such thing. 

My lady and I are XXXX and this is very stressful. We need this removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having a very difficult time with Mr Cooper. I have tried to get a loan modification approved a couple of times and have been denied. I have never been approved for a loan modification in the past. I was default before COVID hit and was trying to get approved. Mr Cooper denied. Then when COVID hit California I lost my income. Mr Cooper placed me on a forbearance for 18 months. On XX/XX/22 I was declined again for a loan modification. Mr Cooper is stating because they can not lower the payment. Of course you can not lower the payment after an additional 18 months of COVID default. Modification does not mean lower the payment. It is a restructuring of debt to avoid a foreclosure. I am asking for a loan modification to save my home, and can afford a higher payment. I am back to work full time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has held onto 3 payments since 2014 ; per their own payment history ; there has not been a consummated loan modification because of the various mistakes that Ocwen has made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am under a modification however Ocwen is reporting me late to the credit bureau-XXXX. This is erroneous. They are saying I am 180 days past due. This is wrong. I have my approval email enclosed for the modification which converted my mortgage from adjustable rate mortgage to fixed rate mortgage. I am tired of complaining and going through this Ocwen. My loan need to be service by a capable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a interest only arm loan with ocwen for the last 10 years. where can Ifind the information to help me determine if I have been overcharged. 
Thanks so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Name is XXXX XXXX, I would like to file a lawsuit against Portfolio Recovery. 
I was just denied for an apartment for me and my XXXX daughter. I asked the management office the reason for the Denial she told me a new collection from portfolio recovery. I told her that it is not new and it was getting ready to fall off. 
When I checked my report I saw that Portfolio is reporting the collection as new XX/XX/XXXX. I went ahead and check a few old reports and I see that Portfolio has erase each Month and would only report the current month as if it was a new collection. I spoke with XXXX and the representative told me that the collection is new. I told him that it is not possible he then replied by saying that is what the collection agency is reporting and asked for me to contact Portfolio Recovery. 
Portfolio continues to violated all laws of the FCRA and insist on reporting incorrect and inaccurate information with is a violation of my rights. This has caused me financial harm as I had to pay for the application that is refundable. I can provide proof of many credit report where they report XX/XX/XXXX, then delete XX/XX/XXXX, then delete XX/XX/XXXX report XX/XX/XXXX. The pattern is they delete every prior month so that it appears that the collection is new, causing my credit score to decrease. 
My next step is to file a class Action law suit. I am also part of a law suit filed in California where they repeated called my telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Paypal sent me an email stating someone charged XXXX on my account and to call to get help. He wanted to refund my money and the next thing that happened was instead of putting XXXX back, he put XXXX and he said I could not transfer the money back and that I had to buy gift cards to make up the XXXX. I went to XXXX and got XXXX XXXX gift cards with my bank card and XXXX XXXX XXXX gift cards, XXXX. Then went to XXXX and bought XXXX XXXX gift cards and paid cash for them. Before I realized what was happening, I scratched off the # on back of the cards, took a picture of the cards and emailed them to him. After I realized what was happening, he got the XXXX XXXX cards and XXXX in XXXX XXXX  cards. I called my credit union and asked them to freeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent XXXX debt validation letters to Portfolio Recovery Associates LLC. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX in an effort to get verification of this debt. The company has ignored by requests and has failed to prove I am the owner of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt in 2012 and it is continuing to be reported and collection attempts continue and the balance is inaccurate. I have tried disputes with the bureaus multiple times and with them requesting all the proper documentation but have not ever received anything other then my disputes are verified with no explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Caliber Home Loans, Inc.
State: NY
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:
I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery has been and continues to attempt to collect monies from me that I do not owe. I have never had an account with the company they are representing and I have also signed an affidavit of fraud as they requested. This negative reporting on my credit report is causing great damage and I want this matter corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is trying to collect a debt they bought from XXXX XXXX and they are not licensed to operate in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I sent in a complaint against my servicer, Ocwen Loan Servicing , LLC ( Ocwen ). I received an email from you with a Case number : XXXX. I have been unable to log into my account and requested the password but have not received the last email, so I am filing a new one. Ocwen has still been giving my the run around. I have spoken to several people including XXXX XXXX | Consumer Account Analyst | Office of the Consumer Ombudsman. I have been promised information along with an updated escrow analyst, but have not received. I am worried they are going to place the forced place coverage back on my account at a much higher rate then the homeowner 's insurance that I had before Ocwen decided not to pay and it got cancel in no fault of my own. My mortgage payment has increase two times since I submitted my complaint ( which I have paid in order to keep my mortgage current ). This is causing a financial burden on me and it has still not been resolved. The only thing I am getting is empty promises and and letters from Ocwen stating they are reviewing my account. This has been going on since XXXX 2015. I am so frustrated that I do n't know what to do at this point. What are my opinions? How can I get this resolved once in for all? PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: United Recovery Solutions
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have an issue with United Recovery Solutions , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX. I was called & threanted, i was told i am ignorant for not paying my bills, i was told i 'm a boy and i 'm XXXX years old. I would like for this company to have no more contact with me. They threatned to call me and my wife 's jobs. I asked them not to call me and they are still leaving me VMs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

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 2016-10-27
Company: North Shore Agency, LLC
State: IN
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:
FAILED TO VALIDATE SAID DEBT ALONG WITH CONTACTING MY FAMILY MEMBER XXXX XXXX IN VIOLATION OF FCRA, FDCPA AND TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed bankruptcy in 2010, I moved put of the a home that had major sewer issues. I filed that home on my bankruptcy and the mortgage company OCWEN never forclosed on the property.They have my name still attached to the title of the home and are aware that I have filed bankruptcy. I asked them when are they going to file for forclosure the said they do n't know. I asked can my name be removed off they title since its on my bankruptcy they said no. They asked for proof that I surrendered the property I asked what number I should fax it to they gave me a number. I called back again to verify the number and they gave me a different number. They never had one set protocol to handle the situation. They then told me to sell the house its the only way to get my name off the title. I explained I do n't own the home. I have no finanical responsibilty to it. They said yes I do. They told me although I have no fianancial reaponsibilty it is still my house.

Company response to consumer: Closed with explanation