BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I became a 100 % service connected XXXX veteran and notified my lender that I wanted to apply for loan forgiveness as stated in my VA paperwork. The suggested I complete an additional form so I would n't have to make payments while I waited for the loan forgiveness to process. They walked me through how to complete the form step by step and I sent it in, followed by the loan forgiveness application a few days later. I was told I did n't have to make any more payments. Two months later I was told that the first paperwork I completed to not pay while the forgiveness was processing was not filled out properly and my payments were now several months overdue. I asked if I could resubmit the form and was told they could only process one request at a time and the loan forgiveness was already in process. Now I have a negative hit on my credit report showing student loan delinquency when I did everything I was instructed to do by the loan company. How do I get this removed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Highland Capital
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by this company who is threatening to sue me. So i entered into an agreement to repay the debt. I was sent an email of a letter after i asked that a physical copy be mailed to me. i then noticed small typos and no street address only a po box . However i was unsure of the laws, and felt a little uneasy so I checked my credit report and I did not see the debt they are attempting to collect so I assumed it had been charged off or was too old to be collected. After trying to research the company I am now afraid that they may not be legitimate and maybe be trying to collect money from me for fraudulent purposes.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Specialized Loan Servicing ( SLS ) has once again threatened to purchase insurance on my behalf in the amount of {$89000.00}. which well exceeds the amount of my loan with SLS ( of which I owe less than {$20000.00} ). I have no other loans on my property and SLS has no right to purchase any insurance in my name. I sent ( Certified Mail ) and faxed SLS proof of the Discharge of Mortgage with the 1st mortgagee ( XXXX ) and therefore am not required to obtain more flood insurance than I owe SLS. I provided SLS with a copy of my XXXX flood insurance in XX/XX/2016. I have also requested that SLS provide the name of the " Investor '' in writing and have not yet received any response.

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 2018-05-29
Company: EQUIFAX, INC.
State: MA
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:
I was going through my credit report from the 3 major credit bureaus ( XXXX, XXXX, and equifax ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Not enough information of validation of debt. I contacted MIDLAND FUNDING through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$600.00} }, however I do not owe this debt and know nothing of it. MIDLAND FUNDING appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing in reference to Loan Number XXXX being serviced by Bayview Loan Servicing LLC. The objective of this correspondence is to File a formal complaint against Bayview Loan Servicing in reference to the payoff of my home. 
On XXXX XXXX, XXXX I signed a loan modification agreement with Bayview Loan Servicing , LLC that also had a principal reduction component as part of the agreement. The principal reduction component was for a total amount of {$410000.00}, reducing the principal of the loan over a 36 month period ( modification agreement attached ). 
In XXXX of XXXX, I received an IRS Form XXXX as a cancellation of debt for the total amount of the principal reduction of {$410000.00} ( Form XXXX attached ). I have also, received XXXX separate payoff since XXXX of XXXX that state the amount of the payoff of the loan with the total amount of the principal reduction included. Additionally, I have a taped conversation with an individual from Bayview stating that the payoff amount included the total amount of principal reduction. I have attached copies of all the payoff statements sent to me over the last few months. 
Lastly, I currently have the home for sale. Please assist me in resolving this matter in an expeditious manner and avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
XXXX is a loan servicer and they have reached the statue of limitations. It has been more than 7 years. ACCT # INCORRECT. Date opened XX/XX/2006. I want this item deleted from my 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 2016-06-28
Company: Premier Portfolio Group
State: KS
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Premier Portfolio group continues to call and leave me messages from different numbers. I have just received another call today. I have received no documentation from them that I requested to be mailed to my home. They attached a document on another complaint that shows my debt is from XX/XX/XXXX. I have a chapter XXXX bankruptcy that was discharged XXXX/XXXX/XXXX. this debt was included. They should not be able to keep calling and harassing people that have had a bankruptcy discharge 4 years ago. Please have the debt collection stop as bankruptcy should stop those calls. And the company has still not sent any valid paperwork to my home as they stated. and this has been over a month. Now they call and leave another threatening message on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX & XXXX XXXX 16. XXXX XXXX 17 Inquiries Name of Company Date of Inquiry Type of Business XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code XX/XX/XXXXg - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently noticed 2 accounts on Transunion that do not belong to me. Please remove XXXX # XXXX ... and XXXX # XXXX .... I have tryed both companies to release information and proof incleding signatures and copy of Identification to me and neither could produce anything or could find me in their records.

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 2016-06-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
These inquiries I did n't authorize. I have attached two emails and text proving I did n't authorize the inquiries. 

The following information is part of your credit history and is provided to others. 

XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016

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 2017-04-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Please be advised that I, XXXX, complainant in CFPB Case number : XXXX, one that your system indicates as not having been disputed by my person, have never received a written and/or verbal response as to the complaint from Ocwen. Further, as has been the case in other circumstances when I have written to them, I am not in receipt of an acknowledgement letter from Ocwen as to receipt the complaint with a timeline for a response submission. 

This is not surprising, as Ocwen, in unpredictable with respect to continuity and consistency in its operations, especially outsourced global operations. 

I request that your office request Ocwen send me a complete, unedited, response to my complaint XXXX, to my person at my home address so that I can review the same for validity and content integrity, thus allowing me to accept and/or refute. If necessary, I do not have an issue with filing another formal complaint on the same issue. Thank you in advance for your assistance. XXXX. 
Ocwen Loan Servicing , LLC said :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: U.S. Collections West, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. 
They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Funding LLC. To date, Midland has a poor track record in regards to its collection tactics, which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX dollars in fines and penalties due to their unlawful business procedures, which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative a remark, which includes myself. Please remove Midland Funding LLC from my file ; you can also see that I am apart of a class action lawsuit against Midland Funding LLC and Midland Credit Management. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: EQUIFAX, INC.
State: TN
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:
The XXXX XXXX XXXX is reporting duplicate chargeoff on my credit report. Both was a part of an identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: FORD MOTOR CREDIT CO.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I am preparing to return a leased vehicle financed through Ford Motor Credit ( FMC ). FMC subcontracted AutoVIN to perform a lease end inspection. According to this inspection, I am responsible several repairs totaling {$580.00} that do not fall under " normal wear and tear. '' One of the charges for {$220.00} is to repair a " XXXX inch scratch '' on the front bumper. The picture provided with the inspection, clearly shows that this is not one XXXX inch scratch, but a series of smaller scratches that I should NOT be charged for according to the information provided by FMC. I have called FMC a total of 6 times to try to speak with someone to try to resolve my dispute. Each time I call FMC I am told they will look into it and they will call me back. They never call me back and FMC is clearly just delaying things until I am required to return my lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I dont have this credit card, nor did i ever recieve this credit car, however it is non my credit report. I would like this whole enitre account shut down and to never open back up! I dont use paypal the first time i ever had an account was just the other day when i made it. And I would appreciate a letter in the mail or even an email stating that paypal will shut this whole account NOW! THANK you very much! XXXX XXXX ADDRESS XXXX XXXX XXXX, XXXX PA XXXX, AND I HAD A STATE I.D TO PROVE THAT AS WELL, ALSO YOU CAN SEND ME AND EMAIL AT XXXXXXXXXXXX thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: FIRST MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
To whom it concerns, my husband and I tried to purchase a home and have been deeply hurt. XXXX XXXX XXXX was our Realtor and Mortgage and XXXX XXXX was the Broker ( XXXX XXXX XXXX XXXX XXXX ) ( although we never met the Broker ). We proceeded to follow through with the contract ( XXXX XXXX XXXX Tx XXXX ) and put up the honest money {$1000.00} to XXXX XXXX. On the contract it stated that its not subject to buyer being approved for finance and it does not involve FHA or VA Finance on page XXXX # XXXX fin. a and d ; This was a FHA loan. We had to give additional {$1000.00} to the sellers made out directly to them and {$200.00} option fee made out directly to the sellers ( XXXX XXXX XXXX, XXXX XXXX XXXX ). The house was inspected {$350.00} and it passed inspection. We ask our agent to make sure that we get our money back if things do n't work out and please do n't let any time lapse. He assured us of this and in returned he stated that the sellers requested and additional {$1000.00} made out to them because underwriting was taken too long and it would go over the time. XXXX XXXX came to us and told us we were not approved and that we also lost all of our money. He then put a contract on another house XXXX XXXX XXXX XXXX XXXX, Tx XXXX ) where we had to put down honest money of {$500.00} with XXXX XXXX XXXX ) and {$100.00} option fee and to have the inspection done within 5 days which cost XXXX the first time and an additional {$200.00} the second time because the house did n't pass inspection because there were no fire detectors in each room which we had to purchase and put in before they could move forward. I really feel that we have been taken for our hard earned money and the Realtor, Broker and Title Companies are all bogus. I really feel no one was honest and had our best interest at heart. We as new buyers are relying on agents to be honest and explain in detail so that we have clear understanding and feel comfortable and safe with their decisions but this is one case that have us afraid to trust any agent or broker.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-16
Company: FIRST MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company will no longer take payments from me because they were not able to insure my loan and decided to sell the company and call my loan due. In turn started to report 30 days late every month that i could not pay the full balance and this is not the terms on my contract, therefore they need to remove the 30 days late per the original agreement on the contract as they have changed the terms without me agreeing to them.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian maintains a " blacklist '' of consumers it will not allow to access their credit disclosures online. This " blacklist '' maybe be punishment due to a consumer previous filing a CFPB complaint against Experian and / or it may be to generate increased revenue by forcing consumers to pay for additional disclosures since while denying access to disclosures for dispute purposes, if one pays they will allow the individual online access. On XXXX/XXXX/2015 I obtained a free FCRA copy of my Experian disclosure online. Experian specifically allows consumers to view their disclosure again in the near future also online by entering their report number. However, Experian refuses to allow me to view my report again for purposes of disputing a multitude of items that Experian is reporting incorrectly. Instead, if I want to dispute online I must pay {$12.00} to purchase another copy of my Experian disclosure online. I have previously phoned Experian and they have informed me that I am in indefinite " special handling '' as " punishment '' for having filed a previous CFPB complaint against Experian. Experian in their response will state that they have security measures which dictate when online access is given. Experian, in my case, is a liar. If security measures result in not being able to dispute online, then why do these same security measures not prohibit one giving Experian money and obtaining their disclosure to dispute online. Experian is simply retaliating against me and countless others who file CFPB complaints against Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief