BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Lender states that I was able to use credits from previous school that went bankrupt, this school : XXXX XXXX  College LLC was not accredited. Which I have a letter from the new school XXXX XXXX XXXX XXXX that attests to that. So I have to start all over and in a completed different field of study, I enrolled in an XXXX program at the 2nd school which is different that ultrasound at the first school. So there was no benefit from having attended the XXXX XXXX College LLC school. They basically committed fraud in accepting students as they were not even accredited and they were going bankrupt. Now even though the loan states I am responsible for the loan, there are exceptions to that when it comes to schools closing before the education is completed and no credits being able to be transferred or accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Made complaint XXXX XX/XX/XXXX on mortgage company XXXX has a service rating of exceptional poor or one star. There have been class action on their escrow service and failure to pay insurance. 
My complaint logged XX/XX/XXXX about their escrow account reimbursing home owner insurance before a proper audit was conducted in XXXX. The reimbursement was sent to me in XXXX. Which then caused a shortage and a proposed increase on the mortgage payment from {$1300.00} to {$1500.00}. I paid my county taxes had sent the mortgage payment of XXXX for XXXX payment which they received. I called XX/XX/XXXX to tell them the county taxes were paid XXXX and that I was dropping the mortgage to just mortgage and principal which comes to {$1000.00} for XX/XX/XXXX. I was told that there was a minus XXXX on the escrow account which didnt make sense seeing that the payment coupon sent for XXXX didnt not show a negative balance but a balance ( XXXX ). 
I had a heated exchange with the company and stated that there was no way it was short especially have the recent they received. The stated it is in suspension balance because the payment of XXXX wasnt received and that a late payment will be applied after the XXXX of XX/XX/XXXX. 
I was told until the escrow account is on a positive balance then it will sit in suspension even after they had received the XXXX payment. I had given them the county tax account number XXXX and receipt number XXXX to show the taxes were paid. 
I didnt enter into a mortgage agreement with Pennymac it was assumed shortly after XXXX XXXX signed it with me. My first dealings was XXXX of last year with Pennymac by constant phone calls which I dont take because of my XXXX issues. I finally relented and called to see why the were calling and blowing up my phone. They stated that my mortgage payment had gone up in XX/XX/XXXX and that it was sitting in suspension and wanted almost a XXXX dollars increase to the payment. They said that they would take it over the phone to make the payment current. I asked for the address and asked why I had not been notified in writing, they stated all correspondence had been sent back. I told them I had not sent it back then asked for the address for which the sent correspondence. It turned out it was my physical address which I dont receive mail at but all correspondence goes to a XXXX XXXX XXXX I sent them a check for the amount requested but they still made a 30 late payment on the credit report even tho I have my bank electronically transfer money from my account and check mailed to their address. Now this mess again and I dont trust their accounting seeing it was their improper audit that screwed up the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
- XX/XX/2015 due to an XXXX condition I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the XXXX. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the first invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a second invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency Transworld Systems Inc. located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX XXXX XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about 20 min losing the call at the end with no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: DC
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:
Comenity Bank - XXXX XXXX  has NOT been reporting my payments to any of the three credit bureaus since XX/XX/2020! I have bank statements and XXXX XXXX  account statements confirming " on time '' payments every month. But if you look at my XXXX, XXXX  and XXXX reports they all show X 's for  the past six months to date?? I am now paying more each month then my minimum payment due and there still is incorrect reporting on my credit reports. For the past few months I've gotten a Credit Help Agency to dispute the false report. No change. I called XXXX XXXX/Comenity Bank Customer Care last week. They confirmed all of my on time payments and saw that I was paying more than the minimum required. They could not understand why the credit agencies were not reporting it. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX   and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX, I lost my job due to COVID-19, Called my mortgage service provider, PHH Mortgage Services, and asked for forbearance and was granted it, on XXXX, I called PHH Mortgage Services and let it know that I was ready to make normal regular monthly payments, asked for a " Loan Modification '' based on the " CARES Act '', in which, I asked the mortgage company to put the deferred amount to end of my loan based on the " FHA COVID-19 National Emergency Standalone Partial Claim, '' instead the company mailed me an application, in which it started a lengthy process by asking me for many documents as proof, never modified the loan, extended the process from XX/XX/XXXX till today ( XXXX ), and lastly reported me to the credit bureau with negative report, including 120 days of late payments. All the mentioned above included many conversation back and forth with the company since XXXX. The company assigned me a Case Manager, named " XXXX XXXX '', who I could never speak to because she never is available and even me setting up appointment four times to speak directly to her via other Case Manager, she never had come to the phone, nor reply to my emails. PHH Mortgage Services has violated the COVID-19 CARES Act by failing to modify my home loan and by illegally reporting negative to the Credit bureau about my mortgage status. Please take a look at some proof that I have attached to support this complaint. Consumer must beware of this horrible mortgage company. " PHH Mortgage Services ( XXXX XXXX XXXX ) is violating the COVID-19 CARES Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me. 

My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDLANDMCM {$5100.00} MIDLANDMCM claims that I owe a debt. I have contacted them several times to provide a validation of the original contract of the debt they claimed that I owe but they have refused to respond to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: PA
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 have 2 prior complaints that were closed by Experian and XXXX, # XXXX and XXXX without resolving the issue. Experian is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information and Experian and XXXX have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter XXXX Bankruptcy. I am also providing proof that XXXX has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. Experian and XXXX have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. Experian and XXXX keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX pulled an inquiry on my credit report on XX/XX/2020 from Experian. I requested a copy of that report pulled by XXXX XXXX and they were not able to provide that exact copy. 

I've requested these copies directly from XXXX XXXX and directly from Experian and have not provided me the documents to review my report. 

I requested a copy for the following dates : XX/XX/2020 and XX/XX/2020.

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: Experian Information Solutions Inc.
State: DC
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:
What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

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 2020-03-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm trying to access my Equifax credit report and the Equifax website says it is unavailable. I'm unable to see the report, place a security freeze, view my credit score, basically, I can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. 
On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. 
I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: PA
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 have 2 prior complaints that were closed by XXXX   and Equifax, # XXXX and XXXX without resolving the issue. XXXX is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information anXXXX XXXX and Equifax have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter  XXXX Bankruptcy. I am also providing proof that XXXX  has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. XXXX and Equifax have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. XXXX and Equifax keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
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 checked my credit report AGAIN and it appears that Equifax has reported an item, namely a Bankruptcy. I have reached out to the Circuit Court of XXXX  to find out if they reported a Bankruptcy, they did not. I checked XXXX  XXXX XXXX and it does not exist on either bureau. On the credit report it shows that XXXX XXXX was the furnisher of the item. My XXXX XXXX report has been SUPPRESSED since XX/XX/XXXX and is still in force. I've already filed a report with the FTC regarding erroneous, unverified, and inaccurate reporting. I do not understand what is going on with the bureaus, but they are either not verifying the method in which they've obtained any of these items. They are also CLOSING OUT DISPUTES WITHOUT HAVING PERFORMING THEIR DUTIES TO CONSUMERS. They are only UPDATING ACCOUNTS without answering disputes or sending correspondence. It is COVID 19, people are suffering, laid off jobs and are short on food and funds. The bureaus have been granted leniency with taking long periods of time to respond to consumers. They are not sending out updated credit reports for months at a time. They are misreporting items and placing consumers in horrible positions. I've filed an FTC Report, my next step will be The Attorney General of the State of Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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.. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my credit report there is several companies that was listed on my credit report and was disputed because the account did not belong to me. The Companies could not provide information because they were not mines and they was deleted, but they reappeared on my credit report again and the companies are listed as : XXXX for {$900.00}, XXXX for {$520.00}, XXXX for {$600.00}, XXXX for {$55.00}, and XXXX for {$30.00}. These accounts do not belongs to me and they could not validate the debt and after it was removed the first time it was sold to another company and placed back on my credit report for all three bureaus. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hi, I was given misleading information from AMEX rep via the phone two times : 1. I wanted to close my credit card account but did a credit card conversion to a different card instead because the rep told me I can keep the old credit card history and it wont open up a new account. This is not the case on my credit report. 

2. I requested an investigation a few months ago and was told I will be reached out for explanation. It never happened and when I called and asked today I was told there will be no response if they deemed they didnt do anything wrong. 

In summary, I opened up a new credit card account with misleading information and American Express refused to correct the mistake or provided any compensation for my loss.

Company response to consumer: Closed with explanation