BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: Collection Technology Incorporated
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Enrolled in rehab student loan agreement to stop payroll garnishments ... .made all payments turned in all required paperwork. They stop taking payments out of my personal account. I called them the inform them and figure out why. Agent stated I had been rejected from program due to a " black line '' on my paper work, this stopped them from approving rehab program. I re set up the payments. They start receiving the money from my personal account. My pay roll check Started being garnished 3months after I had to reapply, even when I made the payments out of my personal account. Student loan co stated that they sent the letter after I set up payments in error, however they can not stop it once its started. Im now being told they will never stop the garnishment until all money is paid ... while they continue to take the monthly payment off my personal account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I already have a complaint Case number : XXXX, and waiting for your review. I would like to add additional information to the complaint. I contact XXXX by phone XX/XX/XXXX and spoke with XXXX, who stated that she worked in the billing department. I informed her that XXXX ( floor Leader ) claimed that Certegy contact XXXX regarding my dispute, and XXXX ( floor Leader ) stated that XXXX response was that there was unconfirmed conversation or calls relating to complaint about the product that was falsely advertised. XXXX said anything someone call the customer account is noted, and there was a conversation noted about product that I refused and they try to offer me something else, and I reply I call you back. ( the reason I said I call you back, because the conversation was getting debatable with the representatives because I did not want the services ). I have enclosed copy of statement that show that there was a conversation about refunding. On XX/XX/XXXX a transaction was made for {$190.00} under misleading advertisement, XX/XX/XXXX a refund was issuer for ( XXXX ) and it sat there until XX/XX/XXXX part of ( XXXX ) was apply to account that I never authorize or hear of, why would I order a XXXX Standard SSL, without a website. I do believed if Certegy and XXXX had follow the consumer protection law, I would have avoided, embarrassment, stress, credit denial. I call Certegy after speaking with XXXX at ( XXXX ) and spoke with a lady who claim that she needed my bank account and routing number in order to see if a dispute was made, the lady was quoting the same statement that XXXX ( Floor Leader ) had said, after I told him XXXX ( Floor Leader ) said there was a dispute on file. XXXX ( Floor Leader ) said in the beginning that there was no dispute file but when I told him XXXX ( Floor Leader ) said there was a dispute file, then that when XXXX ( Floor Leader ) starting asking for my bank account and routing number, and every since them all the Certegy representatives starting asking for my bank account and routing number in order to see if a dispute was file, I refused cause I thought it was a tactic that will be used against me for payment. XXXX ( Floor Leader ), XXXX and XXXX never asked for my bank account and routing number they asked for my I.D and the state it was issued to pull my account and to see if a dispute was filed. 
I do not trust Certegy representatives at their call center to handle any of my concern going forward. 

Please add this to complaint Case number : XXXX, already on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I phoned the service and the bank and have not gotten any where. The account was closed and although, I do not feel like any money was owed it was paid anyway so that they would leave me alone. 

There was fraud on the account and they still made me pay and the charges did n't have my name connected to them. So the is just in no way right at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chexsystems has a bank on my report that should n't be on there. They removed one bank but they did n't remove the other. They should have removed it. It does n't belong to me and I would appreciate them removing it. I am tired of going back and forth with them. I just want it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We fell behind on our mortgage in XXXX due to hardship. Despite monthly attempts to CCO mortgage for forbearance, we received none. The representative, a XXXX XXXX XXXX from their collection department, repeatedly pressured my husband and I, XXXX, to short sale our property. Because we help over XXXX in equity, we found this repeated suggestion harassment. The In XXXX XXXX, we applied for of loan modification of our mortgage. We promptly provided all the required paper work, including a copy of my husbands XXXX and his XXXX XXXX statement reflecting his XXXX XXXX retirement income. XXXX XXXX then repeadedly called my husband requesting " the letter of permanent retirement income from XXXX ''. Despite My husband 's attempts to convince XXXX XXXX that this letter did not exist, XXXX XXXX continued to insist and to pressure us to short sale. In XXXX XXXX, XXXX XXXX closed and destroyed our loan re-modification application and our mortgage was then sent to forclosure. The day we recieved the notification, I promptly called XXXX XXXX supervisor and started a new application. Our paperwork arrived to CCO mortgage in 3 business days. We were accepted for an internal loan modification, however, we were charged between $ XXXX {$1000.00} to remove our loan from the foreclosure department. We agreed to this for fear of losing our home. We signed the loan agreement in XXXX of XXXX and have been on time with our mortgage payment since. My attempts to discover what exactly happened and how much we payed for the " forclosure Fee '' have been ignored. I know this practice was not legal and was another mortage company trick used to cheat consumers. We would like to recover this money and have it applied to the balance with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Novea Portfolio Management LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I had an Old account with cash call that was sold to a completely different 3rd party company and a completely different scam company started to call me almost 5 times a day and began calling my references and family members who were never listed as references. The person named XXXX was threatening me with legal action and was very aggressive and rude. I dont feel i should have to tolerate any kind of harassment from anyone for a past due account. I think i would be better off filing for bankruptcy at this point because i cant afford to pay this bill at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recieved from Credence Resource Management LLC a bill for  XXXX  XXXX  in the Amount of {$230.00}, repeatedly this past week, I have recieved phone calls to either have " discount payments '' or to have it " auto debited from my account '' " this way, " THERE WOULD BE NO CREDIT REPORTING BECAUSE IT IS DUE NOW TO BE ON YOUR CREDIT REPORT ''. I set up a {$20.00} a month payment, I am on Government XXXX and have other payments to make then their Royal Majesty 's aforesaid. This little bill better NOT go on my credit report or I will sue the living snot out of these people. The Phone calls and the Credit Report Damage Threats need to come to a grinding halt. I have kept my end of the bargain. Mam or Sir, As Uncle XXXX pays me, I will pay Credence/XXXX XXXX XXXX XXXX. Any further problems, I want a Lawyer!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: Skopos Financial, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt was removed from my credit report on XXXX XXXX. ERC a company which i have never heard of took over the account with a start date of XX/XX/XXXX. I have never received a phone call, letter, or an email from them stating that they brought the account. my last payment on this account was in XX/XX/XXXX which would have been the last payment and the reason it was a " removed collection ''. i have a valid debt from a company that followed the debt collection procedure and i acknowledge it, but i have never heard of ERC and i wish this to be investigated. i have copies of my credit report and XXXX XXXX was the last company that handled this and the company that removed the collection.

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 2016-08-03
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My mortgage servicer and lender ( s ), Shellpoint Mortgage, et. al., will not acknowledge nor process my application for modification. I have sent it via email to XXXX ( XXXX ) email addresses they gave me and also, for good measure, sent it by First Class US mail. I followed up months after sending it in, but, they will not acknowledge nor process my modificatiion application. They now say that I they have given me loss mitigation options, but, they have not, refuse to process my application! They are referring my file to foreclosure. I have been trying to modify this for years and this is what happens every time. They also are harassing my wife ( who is not on the account whatsoever ), my little girl ( XXXX years old ) and my son ( XXXX years old ), by sending a man to our front door and interrogating my family about collection / foreclosure, writing erroneous collection / payment demand letters and communicating on the phone about erroneous collection / payment demands. This man would not give his name or his company. I requested information pertaining to this man, who has been to our home on multiple occasions, but, Shellpoint, nor XXXX or XXXX would not respond. Also, they have given me multiple names of Owners of the 'loan ' including XXXX , XXXX and XXXX. I requested a meeting or video conference to see the Original Note, but, they will not respond. I want to see who is on it ( my wife is really upset because she is not on it ), who the real Owner is? and who they endorsed the Note to. If I had all of the money to pay this off, I would Honestly not know who to pay and would not for fear of XXXX or XXXX or XXXX other entities trying to collect on me ( and illegally attempting to collect my wife, daughter and son at our home )! I know that the RESPA law requires that they properly accept, acknowledge and process a loan modification / loss mitigation request timely prior to taking people 's homes. I ask that you require that they enforce this, with whatever authority you have or offer me any guidance and / or direction to remedy this large problem. Thank you so much in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Experian Information Solutions Inc.
State: NC
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 contacted the bureau regarding a collection account that I do not believe I owe as it is from North Carolina at a time when my husband and I were in California. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2009, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.

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 2016-11-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I Q Data International, or RentCollect or whatever new name they choose to use, is a collection agency with hundreds of XXXX, CFPB and XXXX complaints. In my case, they ignored documentary evidence that no debt was owed and instead colluded with a property management company to fraudulently collect " past due '' accounts based on invalid information provided by the " creditor ''. What is especially insidious about this collection agency is that they do not verify the legitimacy of the debt and even after they have enough information to NOT pursue an invalid debt, they merely move forward with collection efforts and try to damage the victim 's credit rating. They claim to operate an ethical and legal business when, in fact, it is clear they do not. To be blunt, I Q Data is a crooked operation that attempts to collect invalid debts. The only way to deal with this company is to retain an attorney. They know they have been retained to collect money from victims who do not owe anything to a property management company. They willingly participate in a shakedown of renters.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: LAND HOME FINANCIAL SERVICES
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.

Company response to consumer: Closed with explanation