BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: Collection Bureau of the Hudson Valley, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under XXXX XXXX XXXX XXXX & XXXX XXXX on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been disputing with the Credit Bureaus the amount of a repossessed car I purchased with HONDA beginning in XX/XX/XXXX-XX/XX/XXXX. The purchase of the car was XXXX with a mandatory warranty, that i could not deny or remove from my loan. My payment was XXXX monthly. I was let go from my company in XX/XX/XXXX, and I kept up with my payments until I could not any more. I made last payment of XXXX on XX/XX/XXXX. My car was repossessed XX/XX/XXXX. The amount I had left on the loan was XXXX. I never received notice of sale nor did i receive an updated amount that i owe after the sale of the car. My credit report states that i owe XXXX. I need assistance please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
these company is trying to collect a debt that is 12 years old. It was a lease return in XX/XX/XXXX to Honda Finance. They sent me a bill I refused to pay. Honda charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XX/XX/XXXX and Honda was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XX/XX/XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really Honda should concern them self with the destruction on innocent people on the XXXX airbag issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical Revenue Services continues to report and confirm my disputes with the credit agencies that I owe a debt that has been settled. I have sent MRS and the credit agencies dispute letters along with proof I have paid these medical bills. MRS confirmed they had received a letter to cancel the collection from XXXX XXXX in XX/XX/XXXX, yet has not removed them. This has prevented me for four months now from obtaining a mortgage loan to purchase a home. I 've been forced to rent until I can get this matter resolved. I have called XXXX, MRS , and the credit agencies multiple times and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: CA
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 have been forced into filing for forbearance due to the amount of my loans that I need to pay. I did not have a job to support myself to pay the loans of at the time when I was being billed more than {$200.00} a month. The only thing that made sense was to go into forbearance. My interest rates have gone higher, and now I do n't know how to pay it all off. Every time I try to call Navient, all they offer me is to go into forbearance and then to go into an income driven payment plan. To my knowledge, that does n't do anything except that my interest rates are still hiking up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file.

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 2015-09-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan is from XXXX XXXX XXXX in XXXX XXXX, it used to be on XXXX XXXX but I guess they moved to mile of cars way. Interest is as high as 7 % and I can not use any of the credits I got there anywhere else, I still owe XXXX, I want some relief or a refund because this school is just not worth it, none of the teachers knew what they were doing. My loan used to be with XXXX XXXX but now it is with navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
First, I was given a private loan for {$21000.00} that immediately started accruing interest, even though I was n't going to start making payments on it for at least 4 years. Why on earth is that legal??? 
Second, the bank that issued that loan has since sold it off to American Education Services. I 've been paying this loan for almost 3 years, yet my balance is still higher than the amount I borrowed, AND the principal plus unpaid interest is {$6300.00} less than my current balance. So what exactly do I owe besides principal and unpaid interest? 

Also, since AES has purchased my loan from my bank, my interest rates have increased 4 TIMES IN LESS THAN 1 YEAR! I have all of the documentation needed, if you would like me to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We had a shortsale, but Bank of America has it posted as a foreclosure on our credit record. We 've requested multiple times to have it fixed and they are not responding.

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 2015-07-08
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
we applied for a mortgage loan, and this error is reporting on both our credit. we mailed letters to all XXXX bureaus and a direct letter to SYNCB/Care Credit to remove this account that is not ours. It was removed off my wife 's credit file, but it still remains on mine. We ca n't proceed until this problem is fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: Ocwen Financial Corporation
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have battled with XXXX, for 4 years now. They advised us they had purchased our mortgage in 2012, from another company. Our Loan Modification was already done, with the prior company, we were waiting for the paperwork to sign. 
Now, they can find nothing for paperwork, except theirs. We have been to Court 12 times, each time, Each time, I had all my paperwork in order, they did not. 
At the 11th Hearing, they lawyer for XXXX/Wells Fargo, apologized to the Judge, advising him, she had just received a call, from XXXX. The Modification was going through, everything was in order, including the financials, but it was to late to cancel the hearing. The Judge specifically asked her, if this was settled, the Lawyer responded " Yes Your Honor '' .... The Judge then scheduled a hearing to dismiss in 60 days, after the Modification was signed and in effect, everyone agreed. 
60 days later, all the paperwork was gone, missing information etc, back to Court. 
I had to re-admit everything again. Most of it got there, but I had a XXXX and surgey, at the next hearing, they moved forward with the foreclosure ... .. 
I have done everything required, attended every Hearing, was always ready, with extra copies, of each item they claimed to be missing ... 
Even the Judje said to them, they are deliberately, causing all these delays, which was evident, through their Lawyers Statements, Questioning XXXX XXXX XXXX, who could not answer any of his questions, with a actual fact based answer. His every answer was " I 'M not sure about that your Honor '' after the 3rd same answer, the Judge, denied their request and told them to redo everything immediately. 

I can not keep battling the blatant abuse and blatant lies, from their XXXX Lawyers, which they were caught in every time ... 
We also have requested copies of the Original Loan Documents, to date, they have been unable to locate the document 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Bread Financial Holdings, Inc.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The number XXXX has called my cell phone multiple times daily since XXXX XXXX 2015. Any attempt to answer the call results in an immediate hang-up. XXXX time a person came on the line asking for another individual, but did not provide any other information and hung-up. They continue to call relentlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have been receiving phone calls on our land line from XXXX for more than 1 year on our land line. The number calling is XXXX XXXX. They called 3 times today starting around XXXX. We are elderly and my wife has XXXX Can we sue them in small claims court to receive damages for aggravation? We need this to stop. We have a credit rating well over XXXX and are up to date on all debt payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? 
My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. 
Why was no notification sent to me, the borrower, that this transfer had taken place? 
If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?

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 2015-09-23
Company: Platinum Holdings Group, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they Premium Asset Services LLC. They have just started calling me this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Alorica Inc.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In XX/XX/XXXX, my US Department of Education Loan was sent to West Asset Management. At that time I entered into a payment plan of {$55.00} a month taken directly out of my bank account. Faithfully for the past XXXX months this withdrawal has been taken out with a monthly reminder sent from West Asset Management that I granted them permission to do so. On XX/XX/XXXX a XXXX XXXX called XXXX XXXX at XXXX leaving a message stating that she was calling to speak to him in reference of me. Also on XXXX XXXX XXXX called XXXX XXXX and stated to her for this call was that the reason XXXX was calling was because I had XXXX XXXX listed as a contact person in my file. Both of these phone calls were told as a lie and are harassing to these individuals. I have the original paperwork that was sent over to West Asset Management and neither of the people that are listed above is on my paperwork. West Asset Management employee XXXX XXXX crossed the line when she lied to these individuals and did not have permission to contact them. If West Asset Management was trying to get in contact with me, they could have sent a letter just like they do every month to state they will be making the withdrawal for payment. I can see if I missed a payment and they needed to contact me regarding non payment, but I have my all of my bank statement starting from XX/XX/XXXX to present that payments have been made on time. West Asset Management should not be allowed to do this to anyone. The debt is being paid on time and the harassing and lying should get them maximum fine for crossing the line because I am following through with the agreement we have in place, and they did not have my permission to contact anyone.

Company response to consumer: Closed with non-monetary relief