BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-10
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a 2nd job to pay my bills and due to the COVID 19 my income has been drastically reduced. I am asking for a deferred payment to the back of the loan. the servicer flagship cr acceptance is wanting to charge me during the non pay of interest. this is highway robbery. taking advantage of the situation. I am so upset right now. I can barely think.

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 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To whom it may concern, I have been dealing with Navient since XX/XX/XXXX-XX/XX/XXXX. Since payments started after I was finished school, I have been in a constant battle with options of repayment. My father is my co-signer and has helped me as much as he could. With his income always fluctuating, repayments have been hard for us. Since XXXX years ago I have managed to find a financially stable job, but with {$36000.00} in student loan with Navient and XXXX it totals around $ XXXX monthly. XXXX has thankfully helped my father and I by letting us sent up an income based payment plan, but Navient has basically told us we have no option. In the last year my father and myself have made countless amounts of phone calls to Navient asking for help or trying to correct payment issues that the previous Navient representative did n't handle correctly. I called in XXXX day to Navient to beg if there is a way they can look into an option for my payments even if they helped me with {$20.00} a month. I was advised that due to my father being my co-signer we can make the full payments, I cant take him off as co-signer to go off of only my income, I have no other options unless I do not make at least XXXX months of to prove I can not afford full payment, or I can look into suspending payments for a month or XXXX and just add the interest into my payments. With no help for my payments I was finally able to have Navient set me up with breaking my full payment up into XXXX separate monthly payments, but also finding when I looked into my account I was being charged late fees. I tried to address with a representative about these late fees since I had set up a auto debit payment plan and they told me someone would have to check into my account to see if it could be taken off. On top of all the miscommunication of what my father would be advised of when calling in and what I would be told, this process has caused major strain in our lives. I am XXXX years old and I am not looking for my fathers help with any of my bills. That is not fair to him or my mother to be responsible for my student loans until I am in my XXXX 's. I noticed there is a potential lawsuit for Navient and I read what problems are causing this lawsuit to come about and my family and I are going through the same situation. If I did n't have the help of my fiancee there is no way I could ever move out of my parents house. I am in the process of trying to become a XXXX time home buyer, but taking into consideration of that I can afford with my student loan payments every month I am not much help to my fiancee. I dont feel that I should be stuck in this position and feel that it is unfair to my family and myself to find " help '' by not making payments to prove Navient 's payments are too much for me. I will not drain my credit down to seek help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: WELLS FARGO & COMPANY
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We are XXXX citizens living in XXXX. Wells Fargo is closing our bank account with them in their DC branch because we do not have a XXXX address. This is due to the US Patriot Act. That Act does not stop any XXXX bank from having a non XXXX address. It is because of the extra cost of Patriot Act due diligence that Wells and increasingly other XXXX banks are denying bank access to XXXX citizens and taxpayers that live abroad.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Covid-19 Happened. We lost the financial means that would allow us to make our mortgage payments. We called our mortgage servicer numerous times with 2-4 hr hold times only to be transferred to another line to hold for another 2 hrs and have the rep pick up and get disconnected. We did this process many times with the same exact result. Additionally, we left messages for them to get back to us, we sent many emails as well with no reply. We also, as instructed by their website and those who did answer the phones, went to the " XXXX  XXXX  XXXX  '' link with the intent to fill out the form they say must be done BEFORE they consider you and nothing was, nor still is, found at the link given forcing us to call back only to have the reps say, " that's strange, it should be there but let me transfer you '' ... .never ending cycle. 

On there suggestion, we tried multiple browsers, XXXX XXXX, XXXX, XXXX, XXXX, and on multiple computers and at different times of the day and night to no avail. We were forced to use the limited funds we have for food and emergencies during this time to pay for XXXX because on their Covid-19 website they state the following : " Customers should not stop making mortgage payments until they have been approved for an alternate plan ''. We can not do this again. We are only trying to receive the help that has been set up by the Federal Government during this time. No one reaches out, no one cares.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington morgtage refuse to accept a payment on line wants to force me to make payment over the phone so they can charge additional money to process the payment. Have been threaten with foreclosure by this company every month, we are late because of them because when this loan was transferred to them it was XXXX days before they set the account up. My name is XXXX XXXX asa result this made me late and because I am on a fix income I could never bring the account up to date but I am never over XXXX days late just ca n't catch up to be on time I do pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I just received an email that XXXX is closing all of my account and all of the accounts that also belong to my 5 children. I am on an account with my sister who has a problem with XXXX but she is closing her account and that has nothing to do with me or my 5 kids accounts. My husband and I have had this account for over 20 years and my husband, my kids, and myself should not be punished for something that had nothing to do with us. I was on an account with my sister because she has XXXX XXXX XXXX and I TRY to help her. I don't care about the bank closing her account but my family should not suffer because of her. Especially my children! I have never even heard of something like this! My family has 10 accounts and has never had issues. This is absurd we are being punished for my sisters actions. Her actions did not even happen with the account that I share with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the beginning of XX/XX/XXXX, I was contacted by FCO ( Fair Collections and Outstanding Inc ) over a debt for a townhouse I was renting in XXXX. 

I cosigned a lease with a roommate that was from XXXX XXXX XXXX XXXX. 
Only XX/XX/XXXX, I notified the leasing office that I will be moving out at the end of the lease, while my roommate will continue to stay. On XX/XX/XXXX, the Leasing Office, my roommate and myself, all signed my vacate forms. 
-- -- I requested the debt collector provide verification as well as provide an itemized list of what I owe. What was produced was only an FCO made document outlining debts accrued in XXXX of XXXX. XXXX month after I have already left the property. 

After 3 weeks of attempting to get paper work from the leasing office, I was finally given my vacate form. 

After sending the signed vacate form, I notified the collector that I was not associated with the property during that time, and that my old roommate was the one whos name was associated with the lease at that point. I was informed by the collector that my vacate form is not good enough to show i dont owe the debt. despite correcting her and stating that the responsibility is on FCO to prove I owe the debt, she refused to remove my name from her list. 

I was then told by the agent that since the roommate was not responding to attempts to collect, they are communicating with me instead. This is illegal. 

I again asked them now a second time, to provide all documentation they have of me regarding this situation. What was sent back to me was the initial lease, and the Vacate form that was missing the signature of me, the property manager, and my roommmate. It also did not show the dates it was signed. The document is also supposed to be 2 pages long, and they only managed to display 1 of the 2 pages. This is illegal. 


All information provided by the Collections Agency lacks any evidence or proof I was on the property, associated with the lease for the debts. Infact, upon further review of what little evidence they provided, I sent notice of my leave months ahead of time, and left at the end of my lease. This was confirmed by all parties involved.

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 2022-05-06
Company: Experian Information Solutions 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 with the Fair Credit Reporting 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, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXXXXXX XXXXt : XXXX XXXX, has violated my rights. 
XXXX XXXX  : XXXX XXXX, XXXX, has violated my rights. 

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 an account without any written instructions.

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

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

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 2022-10-06
Company: U.S. BANCORP
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an existing loan with USBank for a boat. The boat was caught by a tornado and suffered a catastrophic loss. I paid the remaining amount owed ( in full ) with a personal check and the insurance company issued a loss claim check for the amount owed and US Bank was a co-signer on the check. Since I paid off the loan already, I asked them to co-sign and then they confiscated the check, saying that they have a process for claims andit needed to be sent to claims dept. I told them I already paid the existing loan off. They indicated I should cancel my personal check. Which I tried to do with XXXX XXXX, but was informed that US Bank already cashed/processed it. I have been waiting for over two months for them to return the insurance check or refund my money over {$26000.00} and they will not refund my money or return the insurance check.

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 2021-04-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I, XXXX XXXX sent a Identity theft report letter regarding inaccurate and unknown things on my credit report. I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. 

I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: FL
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:
I have sent my disputes multiple times out to the credit bureaus fighting this issue as off XXXX, XXXX and XX/XX/2022 its getting very serious because there starting to take points off due to me complaining to the CFPB AND Also ignoring my request. I told the credit bureaus to re '' investigate every piece of information '' on the accounts i have listed below. but they never did a full investigation. 
ACCOUNT : XXXX  XXXX XXXX According to the FRCA the term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account were verified and updated but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this accounts are still not reporting 100 % Accurate. and according to the FRCA 15 USC 1681 everything has to be Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
l was foreclosed without any notice from the trustee or lender. Since l was working with a real estate agent who was to work with bank on my loan. Instead he sold it to his investor friend under the table.The broker knew people at the bank in XXXX XXXX where Citi residential was before they closed down.. Closing of Citi residential, my loan was transferred to Citi mortgage since both are part of Citigroup. l have asked Citi mortgage to send me my loan docs. Customer service agents would be so confused when they would look up my account some agents managed to give me information who had called for the serviced released matters and acting as a agent for me .which was the broker agent .Every time l called information would change it seemed like the account was monitored .Citi mortgage still have not provided me the loan docs l got my payment history which indicates my loan was still with them the last transaction was dated XX/XX/2009 but foreclose was on XXXX/XXXX/2009, The loan was transferred to XXXX then XXXX now XXXX they also did not have my loan in their system. Months and years trying to get docs and facts l have also got CFPB involved to get answers to my answers am still waiting for results, its still in process with CFPB. l was denied by foreclose review according to rust consultants the denial was from the bank it did n't make any sense. They could n't tell me more. l meet all the forecloser qualifications. lam still waiting for help. l wanted to bring this issue up with your dept. to help me and my boys we have been displaced, fraud out of our home by greed. The buyer of the property took out a XXXX XXXX did the loan with improper documentation. Then here we are can not pay rent, cant even get justice no money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Diverse Funding Associates LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First, I found this collection on my credit report and I disputed it. 
Then I had a letter sent to me at an old address but it was forwarded to me, claiming they bought some account of mine and I needed to pay them. I responded with a demand for validation and I gave them my correct mailing address. 

They did not respond with validation. What they did is send information about me to a different tenant in the same building and actually addressed it to him. He is a lawyer and I guess they think they were being funny by harassing and intimidating me. The lawyer got my mail to me and I responded to DNF Associates letting them know that they didn't validate ( which I'm sure they knew because they didn't send anything I requested ) and I also called out several violations that they committed. I also told them to cease and desist all communication with anyone other than me. 

Now I have received another correspondence from DNF Associates and again they intentionally addressed it to the lawyer they sent stuff they were supposed to send to me. It was basically more of the same XXXX they sent before, not validation, but personal collection information to embarrass and intimidate me AGAIN! This is after I gave them a cease and desist order and they absolutely know what they are doing. They aren't even addressing the envelope to me! 

I have just sent them another letter. I will include the letters I have sent to them and a copy of the envelope that they sent to the tenant that is NOT me and who I specifically instructed them not to contact. The gentleman is NOT my lawyer and has nothing to do with me. We share space in the same building, we are both tenants, that's it. I've never even met the gentleman. DNF 's behavior is criminal and ruthless, violating federal law over and over again. 

The only thing they did correctly is to remove it from my credit reports, which they had no authority to furnish to in the first place as I had never consented and have never done business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: WELLS FARGO & COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I claimed Fraud on My Credit Card with Wells Fargo on purchases in XX/XX/2020. 

Wells Fargo Issued a new card but never arrived to my address. 

On that new card there was a XXXX  charge for XXXX and XX/XX/2020. 

I claimed Fraud on those XXXX  charges and told wells fargo to shut down my account in XX/XX/2020. 

I have been unable to close the card and have contacted wells fargo In 3-4 times and have been promised it would be closed and the fraud balance would be taken care of. I have spoke with Disputes, Fraud, Collections and Card Services and they have all told me that they would take card of it but it still hasnt happened. 



My Credit Card is XXXX and I need support with closing my Wells Fargo Credit Card for good.

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 monetary relief