BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have an FHA mortgage loan with Firdt bank PR, in which I accepted the moratorium starting in XX/XX/XXXX due to the pandemic. I work as a XXXX  and I was very affected economically by this situation. In XX/XX/XXXX they tell me that I do not have to make payments until XX/XX/XXXX. In XXXX they tell me that I do not qualify for the moratorium, that I have to pay the 6 months in arrears. My economic situation prevents me at this time, I was only not affected by the pandemic, also by the earthquake of XX/XX/XXXX. My workplace was seriously affected, it is in the town of XXXX. I hope you can help me since I have XXXX underage children and I don't want to leave them on the street.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have inquired about removing the PMI on my home almost at least every six months since we moved into our home in XXXX XXXX. The house was fixer upper so even though we had enough for a 20 % down payment we only did a 5 % down so that we could invest and add more square footage to the home. We purchased the home for approx. {$420000.00} dollars and we put between $ XXXX into the addition. I had an appraisal completed in XX/XX/XXXX that appraised at {$520000.00} but they stated that even though the value was high enough they did not have to waive the PMI and I should try again when the mortgage had aged officially 2 years. 
I have made several attempts to contact Mr. Cooper but they don't have enough Escrow / Insurance people to answer the phones. Instead they try and refinance my loan, which would be a financially poor decision for my family. I work during the day and prefer to interact through tickets. They refuse to put the actions I need to take to get my PMI removed in writing. I am attaching an image of the messages that were returned to me after I chatted with Mr. Cooper or opened a ticket. It almost seems like they do not want to provide clear written clear instructions and expectations as to when my PMI can be cancelled. I am well within my right at this point as I have secured an additional Home Improvement loan to add on a custom deck that is {$55000.00}. Mr. Cooper only cares about you if you want to refi and take out another one of their products. But if you are just a customer looking to have decent servicing, that is not their priority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with XXXX XXXX and XXXX XXXX on my mortgage and mortgage closing. The two have been unresponsive in my requests to acquire the closing documentation ahead of the date. I have asked for all of the closing paperwork in writing 4 times and have received nothing. I have also tried calling but neither answers their phones nor do they return my calls. The closing is tomorrow and we are trying to keep it short given the pandemic but that won't be possible now. I have never had issues getting this paperwork in advance before.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TCF FINANCIAL CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected ASAP : XXXX XXXX XXXX XXXXXXXX

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 2016-04-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I first signed my student loans, all were under XXXX XXXX. I was told by my college, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, that I would need several more loans to in order to graduate. I did not qualify for another federal loan, so it was recommended that I apply for a private loan. That was in 2009. Once I graduated and began making payments, I was told by XXXX XXXX that all of my loans qualified for Public Service forgiveness if I remained in a public service job for 10 years and made 120 on time payments during that time. I also applied for income based repayments ; I make FAR LESS than what the Department of Education thinks I do. For some reason they have decided to make their income based repayment plans based on what someone makes BEFORE taxes ; not after. I honestly do n't know how the people that work there can sleep soundly at night after making this decision. but I make the payments. I have been on this plan for three years. Each year I reapply for my income based repayment plans. Under XXXX XXXX this was not a problem. My loans have now switched over to Navient my problems have gone from bad to worse. They have decided to inform me that my private loans do not qualify for public service forgiveness, nor do they qualify for income based repayment. After THREE YEARS of being told otherwise. I make {$1600.00} a month after taxes. Navient takes around {$560.00} ( both private and Federal loans ) of that. that 's XXXX % of my monthly income. I 'm XXXX years old and have to live in my parent 's basement. I make more than what I ever have, and yet I still live from paycheck to paycheck. It 's humiliating and degrading. The one hope I had, The public service forgiveness program, has now been ripped away from me. It is unfair of the Department of Education and of Navient to demand such unreasonable repayments. I have all the desire in the world to get these paid and yet no one is willing to work with me so I can regain my dignity and actually feel like an adult while making these payments. If this continues, I will continue to be stuck in the same situation I currently am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CL Holdings LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have a collection agent trying to collect on some thing i no nothing about. i asked the the original creditor 4 years ago for proof they refused to send me anything.now i got a collector doing the same thing. i sent them a letter of debt validation and they wont comply i have disputed with the credit bureau 's but you might as well bang you head on the wall

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-04
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Ditech was paid off on XX/XX/2019. I have been trying unsuccessfully to recover my escrow refund of {$3000.00} since that time. I have called repeatedly once I did not receive that refund within 30 days. They said they issued by check but they did not. It was never received. I was told on XX/XX/XXXX that the check was cancelled and the payment would be automatically deposited into my bank account and that I would receive no later than 7-10 business days. I still have not received it as of today, XX/XX/2019. I called Ditech once again and told it would be issued today and I would receive in 3-5 business days. I no longer believe anything this company tells me as the story keeps changing. What  do I need to do to recover this money? I am at a loss. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of American has wasted XXXX hrs of my time between yesterday and today. I contacted Bank of America yesterday about refinancing my mortgage, which included rolling in the HELOC held by Bank of America. I had XXXX conversations with the loan officer and reviewed the hypothetical offer he sent to me, which was exactly what I told him I did n't want. He said they ca n't roll the HELOC into the refinance, and he lied about significantly reducing/almost eliminating the closing costs. So, I called Bank of America today to ask about an increase in my HELOC instead. I 've been trying to get to the right office for over 1.5hrs and I 'm still on hold. They disconnected me twice, they 've transferred me to XXXX different people, and left me sitting on hold for a ridiculous amount of time. I make my monthly payments and they 're not doing their jobs by failing to provide customer service related to my loan. They also refused to answer my questions about a refinance online and they told me I had to call, then they wo n't put me thru to the right department.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
My Repport there are many errors in my credit score that are almost XXXX points in less than a month that lowered what it has cost me so much work to upload. there are XXXX or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. 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 explanation
Consumer complaint received 2022-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery calls me XXXX times a day. Non stop back to back to back. Ive told them not to contact me any more. This has been going on for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Javitch Block LLC continues their disregard for the law. They havent produced any of the XXXX documents being requested to validate that the case is lawful. 

I urge the federal government start a full-scale audit/investigation on Javitch Block LLCs practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in anyway to get any illegal judgment.

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 2017-02-07
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Navient to change the date of a scheduled payment I make with autopay. The person I spoke to agreed to move my payment from XXXX to XX/XX/XXXX. 
As we were concluding the phone call, he asked me to call back after XX/XX/XXXX to switch it back for XX/XX/XXXX. I said that that was a waste of my time, and asked if they could just toggle it back after this month. He said that was n't possible. I asked to speak to his supervisor, as I wished to see if all of this could be handled in one call. He got defensive and said that was n't possible, that supervisors do n't take calls. I insisted on speaking to someone hire up. 
He put me on hold for forty minutes, and then told me he could n't find a supervisor. He also told me that he could no longer change the date of my payment, and that it would proceed on the original date! 
I asked if he could make the date change if I withdrew my request to talk to a supervisor. He said that he could. I pointed out that this was really unfair, that he was clearly trying to use my perfectly reasonable request - a request he had claimed to already have fulfilled at one juncture - as a bargaining chip to prevent me from speaking to his boss. I begged him to just put the date change through and volunteered to hang up without speaking to his boss if he did. He agreed. 
At this point I had wasted over an hour of my work day. My time is valuable, I have this loan to repay after all! 
When I called back later, I discovered he had n't even put in the date change! I also noted that I was able to get a supervisor in under five minutes on the callback.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have contacted Navient many times trying to release and ex husband who refuses to help me with the student loan. I was told they would not help me and that they could do nothing to help me out and release him even though the divorce decree says I am totally liable for the loan. I am a single mom with no support and they will not help me get onto the income sensitive payment. My loans with the educational loan have a payment of {$0.00} based on income sensitive repayment but Navient refuses to help me and I can not afford the {$370.00} they want per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
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 CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 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. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the XXXX XXXX are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
have received repeated calls from XXXX but my spam blocker does not allow call to ring my phone, notifying me of an incoming call. today at XXXX XXXX  I received another blocked call from the same number. I called the number back and it states that it is Transworld Systems Inc. I have no idea who exactly is calling or why. a XXXX search informed me that they are a collection agency for various clients. I have not spoken to anyone at this number at any time they have been calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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