BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Experian twice since XX/XX/XXXX to remove inquiries from my report because they do not meet the FCRA requirements which that they are only permissible purpose for pulling someone 's credit port is a ) firm offer or credit b ) insurance c ) employment or d ) court order the following credit inquiries are related to non of the aforementioned permissible purpose nor did I authorize these companies to pull my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These items should be removed from my credit report immediately

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 2017-03-24
Company: KEYCORP
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have received various requests for re-payment on a identified loan wit h Keybank National Association. Unfortunately, the primary borrower h as not been responsive to neither   XXXX   XXXX   recovery program,  Keybank  's collection efforts nor my communications to assume full responsibility in satisfying the loan obligation.   As the cosigner of this loan, I 've been left with little to no recourse in trying to remedy the situation with all parties involved. There were past attempts to try and see if, as a cosigner, I could completely shift the responsibility to the primary borrower. However, I was informed that the loan documents did not have the necessary loan provisions in order to transfer or allow for a cosigner forgiveness.   The situation at hand was originated out of a goodwill to provide hope so that a disadvantaged youth could benefit from the opportunity of going to college, receive an education and ultimately better themselves. As I experience the unfavorable results, I do n't take back my act of kindness, but wish I was in better circumstances to make good on the obligation, regardless of the youth 's success.   Today, the fact of the matter is that I now too find myself in an economic hardship. As a result of unemployment and new initiatives for self-employment, I can not continue to make good on the aforementioned loan. I have inquired into the possibility of some alternative programs for deferment and/or forbearance. After much effort, I have gained little ground in reaching a solution that is fair. It seems that the primary borrow continue to have all the rights to negotiate and do what they see is convenient for them, while I 'm stuck with the obligation of payment with no recourse. In hindsight the loan product seems predatory in design. I have humbly asked if not complete forgiveness, then the possibility of a 50 % settlement on the outstanding balance of the loan, which was denied.   After this ongoing scenario, my credit severely affected by it and it creating a hardship, while I 'm obligated to make monthly payments for the past year, I have been notified by the Loan Administrator -  XXXX , that a  XXXX  interest tax form can not be released to be because of IRS Legal rules. In short, I 'm responsible for paying, but ca n't claim interested on my taxes.   I 've have never felt so vulnerable, hopeless and a victim of predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Refer to complaint [ Case number : XXXX ] I can not view anything about the response from Discover to my complaint in nor at the link that you have provided below. Please send me the same in regular text via email so as to have transparency. 
https : //XXXXconsumerfinance.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CONTRACT CALLERS INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. 

XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection

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 2016-08-02
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage servicing company OCWEN every 6 months sends us a notice that our Condominium Association Master Insurance Policy on our rental property has expired. It then requires us to contact the Homeowners association and master insurance company to provide all the master policy information, endorsements, etc., etc. What on earth is the mortgage servicing company getting paid for if not for basic services like establishing contact the Homeowners Association to verify their Master insurance coverage? We are hounded every 6 months with this repeated huge paperwork exercise. OCWEN is getting paid to do this or do I misunderstand their obligations and what they are being paid for? We understand perfectly our requirement to verify we have homeowners insurance on the condo itself. 
This is just one of the regular hassles that OCWEN puts us through because they do not follow up on the information we provide or require repeated re-sendings of information and paperwork because they lose track of our material. OCWEN is without a doubt the worst organization we have ever dealt with concerning mortgages and insurance. Constant difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2019 I was in a hospital for the entire month with complications stemming from my parathyroid XXXX. I am not married nor do I have a significant other so I paid my bills a bit late that month. More specifically, my mortgage with Freedom Mortgage is due on the XXXX of every month but in XXXX of 2019 I paid it on XX/XX/XXXX at XXXX p.m. because of being hospitalized. I have a computer generated receipt with the Freedom Mortgage letterhead on top of it, stating the date, the time and the seconds of the payment. Even though my payment was made on XX/XX/XXXX, well before being 30 days past due, this pathetic company reported me as being 30 days past due to all three major credit bureaus. I talked to them as well as the credit bureaus and even forwarded the receipt from Freedom Mortgage website that clearly stated what time and date my payment was made but Freedom mortgage would not remove the negative payment history from the credit bureaus. This egregious act has caused my credit score to plummet almost 100 points as well as prevent me from doing a 100 % VA XXXX out loan on my home in order to help my XXXX sons, of which I am a single father, pay for their college. I am a XXXXyear-old retired XXXX veteran that XXXX XXXX XXXX and hand in a XXXX  XXXX in XXXX from an XXXX  XXXX and this is the first time in my life that I have ever had a negative remark put on any of my credit reports. I am pleading with someone to give me the help that I deserve. I recognize the payment was not made on the first of the month as is the language in the contract but the payment was not 30 days past due and I have proof stating exactly that! Thank you for whatever help you may be able to give me. XXXX XXXX

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 2021-10-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank Best Buy credit card closed my account on XX/XX/XXXX and sent a letter to me XX/XX/XXXX. I used this card monthly and paid it on time. I only found out they closed it when I paid of the balance so I could make a larger purchase.

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 2017-01-26
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently experiencing some of the same issues involving navient. I took a private loan out to repay for my XXXX XXXX. I was informed that these loans are in forebearance rather than deferment while in school. So a small loan turned into a large amount which is currently accruing interest while in forbearance. I feel as though I have been lied to about the correct appropriations of my repayment efforts. Furthermore, Navient did not consult me regarding my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Integrated Recovery Services
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was contacted by XXXX at Integrated Svs. regarding a complaint that had been red flagged for fraud. When I returned XXXX called he indicated that the issue for my dad ( Sr. ), they were n't able to give me information without him.I called the company back on three way with my dad. The customer service reps attempts to verify the last four digits of a SSN. It is not my dad 's number, so he says no. The CSR proceeds to provide DOB that is my brother 's. My dad says no and then the CSR starts yell and say that he is lying and he knows it 's him. I try to interject and let him know he had the wrong person. He told me I needed to shut up and listen. He threatened legal action and mentioned some other judgement. He 's still yelling and I 'm trying to out yell him to let him know he has the wrong person. He continues to spew insults saying that " the whole family has issues paying bill ''. I told him he has a problem and he proceeded to say " I do n't have a problem, I go to work everyday and pay my bills ''. So many other things were said by XXXX that seemed totally inappropriate and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On approximately Saturday, XX/XX/XXXX I reviewed my TransUnion credit report. Upon reviewing my credit report I noticed that an old credit card account from " XXXX XXXX '' was still reporting as a " current account '' despite being closed nearly three years ago. On the report, under " Payment History '', Trans Union 's comments indicate this account was closed in XX/XX/XXXX ( a comment of XXXX is noted ). I disputed the status of this account with TransUnion on approximately Sunday, XX/XX/XXXX. TransUnion responded saying that they incorrectly verified the account status as accurate ( despite my credit report from the other two bureaus correctly showing this account as closed ). I have attached the investigation results for the CFPB to review.

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 2017-10-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Balance on my XXXX XXXX Credit Card was {$1000.00}. I decreased the balance to {$200.00}. That is a Decrease from 100 % to 20 %. I got an alert from experian of this change and my score dropped 5 Pints.. I contacted Experian and spoke with XXXX and she was not able to give me a reason that this happened.. This is a Big issue.. If my Balance on my credit card increases they drop my score now if I pay my balance down on my credit card they drop my score as well.. This just is n't correct and there needs to be some type of investigation into this credit bureau. 

There is something fishy going on for this to happen.

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 2021-10-06
Company: EQUIFAX, INC.
State: FL
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:
I HAVE A DISPUTE REGARDS 10 INQURIES ON MY CREDIT REPORT. THEU INCORRECT ITEMS ONM Y CREDIT REPORT EQUIFAX. ITS BEEN WELL OVER 30 DAYS. I HAVEN'T RECEVIED INACURRATE RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loans were dismissed when I was determined to be  XXXX  due to   XXXX   XXXX   in  2013.  I ended up going back to work before three years and my loan was reinstated immediately and payments were due with interest. I was talked into a deferment/forbearance due to not having an income for several months. The interest that my loan received is astonishing. I am still trying to catch up from being off work during  XXXX    XXXX   and it is almost impossible to pay back {$60000.00} in loans. I only received an  XXXX   XXXX !

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for XXXX credit, insurance, employment or other services XXXX with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Sincerely, XXXX XXXX

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 2017-01-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient. When I was experiencing financial difficulties they told me I have no opinions. For years I paid what I could covering interest only. They falsified information I could have used to pay off my loan earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was owned by XXXX XXXX in XXXX. The loan was sold and then returned to XXXX. XXXX sold the loan again. This time to an alleged company called XXXX XXXX XXXX XXXX. XXXX never contacted me. I was contacted by a " servicer '' company called Select Portfolio Servicing. From the onset, I was charged late fees and other fees not disclosed at closing. Ive never been late with a payment. Everytime I ask SPS about XXXX, Im told the same statement. XXXX owns the mortgage, SPS is the servicer. I demanded to see a copy of the note, and to have XXXX provide authorization for SPS to communicate about the loan. SPS replied with the same statement, which leads one to believe that XXXX does n't exist. A search found XXXX to be nothing more than a XXXX corporation using a bank address in Delaware. I wrote to XXXX at that address asking for documentation proving they own my mortagage and authorization for SPS to discuss this loan. SPS sends me a letter that they received my letter and will respond. I did n't write to SPS. I get a pamphlet from XXXX XXXX. It describes what a trust is and the servicer makes the decision to foreclose. This all leads to what the heck is happening with my mortgage? You cant get a straight answer out of anyone. SPS raised my mortgage payments to an amount I can not afford. My ARM went down as it has many times, but SPS raised the monthly payments. This is a common complaint made by others whose loan has been sold and is serviced by SPS. I fear Im about to lose my home because SPS continues to say Im in default even though Im never late. Ive disputed the increase in payments and all of the fees they charged which that say is for my benefit. The internet is filled with people who have lost their homes with SPS as the servicer. XXXX does n't look like a viable solution due to complaints made by others who tried only to lose their homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2021 I, a consumer was denied to opening a new account and applying for a open end credit as a result from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the banker named XXXX Banks who used my social security ( credit card ) informed me I was denied in respects to my consumer credit report from XXXX XXXX Pursuant 15 USC 1602 ( g ) As a consumer it is my right to extend credit and I have been violated for unlawful conduct in regards to denial of credit. I demand Bank of Nevada take notice of 15 USC 1681 ( a ) ( i ) and 15 USC 1681b the usage of my consumer report does not include determination on my approval of extension of credit directly or indirectly.

Company response to consumer: Closed with explanation