BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: Allied International Credit Corp., (US)
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I reviewed my credit report and noted an open ( paid ) account for allied international credit union account # XXXX for original creditor XXXX XXXX that was dated placed for collection XXXX/XXXX/XXXX and full payment made XXXX/XXXX/XXXX. I remember an account that I had with XXXX XXXX XXXX, however, the dates were prior to XXXX. Therefore, I was disputing the dates and validity of this account in collections. After sending a letter certified on XXXX/XXXX/XXXX with delivery on XXXX/XXXX/XXXX, I received no response regarding the status of this account as of XXXX/XXXX/XXXX. I spoke with a representative on XXXX/XXXX/XXXX and was told that they no longer have a contract with XXXX XXXX XXXX and have no records of this account. I was told to refer to XXXX XXXX because records would be sent back to them for protection of my account after the termination of the contract. After speaking with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they were not able to find a previous outstanding account with search of full name, address, social security number, and driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Meridian Title  Corporation
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
The Loan held with PHH/Century 21 Mortgage was paid and satisfied XX/XX/2016. This lien has still not been released of record and is still showing negative reporting on the homeowners credit report. Please demand this lender compliance. It is a Lender 's Fiduciary Responsibility to Release of Record at the Register of Deeds. This homeowner is a XXXX Veteran. 

PHH/CENTURY 21 LOAN # # # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, XXXX a direct deposit of {$200.00} was made into my account within minutes of the deposit my account was hacked. The hacker attempted to transfer {$220.00} from my account by XXXX separate transactions. I immediately called American Express customer services, reported the pending fund transfer. I was then transferred to investigations, answered all their questions, changed secured question, password, etc. I was told the matter would be investigated and someone would contact me in a few days. Although I reported the hacking immediately while the transaction was still pending, American Express proceeded to transfer the money to the hacker! 
I waited until XXXX XXXX, XXXX before calling American Express again. This time when I called, I was told oh they should n't have told you that an investigation takes XXXX-10 business days from the date of the incident. So on XXXX XXXX, XXXX I called again to check on the status of the investigation and get an answer as to why my {$220.00} was still being held. Now American Express is saying that the investigation takes 45 business days!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of XXXX myself and my husband filed a chap XXXX bankruptcy. We did not re-affirm the property. We continued to talk and work with Homeward Residential Financial in an effort to keep our home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX. The home was in re-modification. In the beginning of XXXX our note was sold to Ocwen Loan Servicing ( Ocwen ) and they refused to work with the re-modification contract in place and found multiple reasons to decline a new re-modification contract. The account was closed in XXXX of XXXX and the property was put up for auction. We moved from the premises and Ocwen took possession in XXXX of XXXX. The property did not sell at auction. Ocwen proceeded to put the home up for auction every 3-6 months consequently sending us certified letters and running an announcement in the local paper. They have also put the home up for sale stating that they have possession through securing a " deed in lei of For-closure ''. The fact is they have never filed ( stamped ) the deed for for-closure. They instead filed a pass-through deed. We have contacted them multiple times as has my attorney. They have kept us from purchasing a new home as our 3 year seasoning period will not start until the deed is stamped. We feel very victimized by the neglectful handling of our paperwork. We have been forced to spend XXXX dollars on rent instead of investing into a new property and beginning to rebuild our lives. We have also been ignored, patronized and lied to in the process by Ocwen and its representatives. We are looking for the deed to be stamped and dated correctly as of XXXX XXXX and retribution be paid of {$30000.00} for rent that has been paid. This money would have went to the property in question if they had honored any re-modification or to new property so that my family can regain a sense of stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I submitted a previous claim with this company due to the inability to assist me in lowring my payments. since my previous claim was closed I would like to start a new forrnefor misinformation given about my extended repayment payment. I was advised it would be XXXX @ 284 months 1 payment at XXXX 1 payment at XXXX XXXX payment at XXXX and my last payment would be XXXX for a total of 300 payments. I looked at my statement last week and its now upto XXXX dollars a month which I can not afford. can you please look into this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have talked to them several times about removing the false debt from my report, this debt is hurting my chance to purchase a house. The account was used by someone else and not me, and their conclusion was that i was the person using the card and that it wasn't fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Caliber Home Loans, Inc.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold to another company and the mortgage payment went from arouond {$520.00} a month to over {$1000.00} a month. Is this legal? I have tried to get information as to why the change has occurred but no one can tell me why the payments have doubled. I have been fighting with the new lenders since XXXX. Now my mortgage is in jeopardy of foreclosure. I 've been with XXXX XXXX since the loan was taken out in the XX/XX/1990 's and now they sell my mortgage and I 'm getting punsihed for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Have tried to set up payment arrangements within my budget with Navient and they are not willing to work with me and do NOT have any GOOD options that there clients have to choose from unless you do n't have a job, a teacher and or government worker and I am neither.By me not being able to make there payments due to my Budget my credit score has fallen XXXX points.Have tried working with them and giving them all my Bill/Budget information and they still will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
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:
Since 2010, I have been completely unable to complete a file for income based repayment. They would either 'lose ' my application, which at first was only able to be submitted via mail, and force me to resubmit, I 've done this plenty of times a year since 2010 and checked up on it but every time they forced me to accept deferment so I would n't pay but interest would still incur. They refused to acknowledge that I 've applied for IBR at any point in the last -7 years- and kept forcing me to defer. Even when I was able to put the application through online, there has been -no- action on it besides " Submitted '' even after sending in my IRS return as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CL Holdings LLC
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Harris & Harris, Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calls from " Harris and Harris '' a debt collector. XXXX I called this number XXXX/XXXX/2016 to tell them I owe no one, they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Amerisave quoted me for a refinance of my home loan and took an application online. I enter my info and found out later that the rate the lender quoted me was not for an investment property. I asked the Lender to cancel my application at that time and refund my appraisal fee and they refused to do this. I have filled a dispute with XXXX XXXX and wish to have my appraisal fee refunded ASAP. The rep I was dealing with was XXXX XXXX XXXX XXXX is also investigating this claim and Amerisave has still yet to refund my appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Ceannate
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Madam/Sir : [ Today 's date XXXX/XXXX/2015 ] Today, I contacted Seterus, Inc. by phone ( XXXX ), to request a copy of my current monthly statement, which reflects all of the missed payments up to the currnt date. I usually login into my account online to obtain any information I need, but because the last statement reflected on my account, as of today, was not current ( only went up to XXXX 2015 ) I was forced to call to request the information by phone, expecting it would be mailed. 

The first representative I spoke to told me that I would not be able to receive a current statement that lists the outstanding monthly amounts because I was automatically opted out of receiving monthly statements and placed into a category of borrowers who now only receive coupon payment vouchers. This is not a request that I personally made, but that Seterus placed me in. I proceeded to ask the representative for a copy of my current monthly statement, but he refused to process the request. He stated that he needed to know why I wanted a copy of my account. I explained I needed an accurate record of all missed payments. He refused to process my request. I asked that he transfer me to his manager. 

His manager, XXXX XXXX, was placed on the phone. At the start of the conversation he explained that Seterus could provide a statement, but could not provide a letter. I said that a statement would be fine, as long as it provided the amount I owe of the missed monthly payments. He then began to ask questions on why I needed the statement and what it was being used for. I explained that it was for my records so that I could confirm the exact amount owed in order to bring my acount current. He then began to create reasons he thought on why I needed the statement. I explained I needed an accurate record in writing. I told him that I have always received statements. I am not sure why Seterus would cancel my ability to receive paper statements without my consent. XXXX . XXXX, the Manager then said that it was Seterus ' perrogative to do as they choose. When I told XXXX . XXXX that I now have all of the information I need to discuss this matter with the proper authorities and that I was happy the call was being recorded, he then said that Seterus could provide me with the letter with my account information, but that it would have to be requested from a department called " Correspondence ''. The address provided was : XXXX XXXX XXXX, XXXX, CT XXXX. He said it would take 30 days to process the request. 

I was refused a copy of my current statement and told that this information was inaccessible to me at this time. The explanation provided was that I have been placed in a category of borrowers who have been forced to receive coupon vouchers without their consent. I just want a current copy of my montly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has been ignoring the rules set forth in the FCRA. Back in XXXX XXXX I sent a dispute in for acct US Dept of ED. Equifax claimed they verified the account on XXXX XXXX, XXXX & I needed to contact the data furnisher for further verification. On XXXX XXXX, XXXX I sent the data furnisher a letter requesting all proper documentation verifying this account belong to me & I was liable for the account. I also wanted to know the methods used to investigate the account. I was n't convinced they account belong to me or was properly verified using the proper methods required in the FCRA. On XXXX XXXX, XXXX, US Dept of ED received my letter. As of today 's date I have never received any correspondence from US Dept of ED. On XXXX XXXX, XXXX I sent a complaint back to Equifax explaining that US Dept of ED has ignored my request for further information & they needed to remove the account from my report. It has been over 2 months now since my XXXX XXXX, XXXX letter was mailed. Equifax still shows the account on my report & has not sent me any correspondence as to why it has n't been removed. I would like this account removed at once ... it does n't belong to me ; there is no signed agreement between me & the data furnisher which I 'm aware of & Equifax has failed in doing their due diligence in protecting my credit. I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Valor Intelligent Processing, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They called early in the morning. very disrespectful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received the attached letter from CitiMortgage. I do not deny I am in arrears. I have tried so many times to work with these people but they are all over the map with their stories. I gave up trying to communicate by phone and letters do not get a response. I was told that I could cure the outstanding debt by sending in extra funds. Now they returned my last payment because said that the debt goes back more than 120 days and I ca n't pay this way so they are putting my into foreclosure. I am on Social Security so I do have a limited income but I work a few housecleaning jobs etc. to get extra money to help settle this. They wo n't put me on a repayment plan.

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 2017-04-07
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Disputed the following accounts with Equifax in which I either did not receive a response or the information was not updated to reflect correct information on my credit report. I filed a complaint with CFPB in which Equifax provided a response which did not reflect the correct information on my credit report. The following accounts were disputed - XXXX XXXX ; {$4400.00} ; CHARGE-OFF. ( Account Paid in Full ) Still on credit report after Equifax reported to CFPB that the account had been removed. ( See Attached ) - XXXX XXXX ( See Attached )

Company response to consumer: Closed with explanation